Which is the Most Used Credit Card in India?

The most used credit card in India would automatically translate to, in the minds of several individuals, a card with the best features.

However, the most used cards may not fit into this representation, as cards are used by different cardholders for distinctive purposes. 

In this sense, a credit card customer uses a particular CC, not just blindly for making purchases more convenient, but because a specific CC offers distinctive advantages for certain individuals.

The main rule of thumb before you choose any CC is to select one that matches your requirements. You can browse through the myriad credit cards available in India, but credit card features that suit your specific spending patterns will be the ones that are most useful to you.

Most Used Credit Cards

Credit cards are slowly gaining steam in India, and although this is gradual,

it is significant considering the population of the country and the traditional mindset of ‘cash is king’ being prevalent.

Individuals have a latent fear of credit card use, believing they will overspend if they use one.

However, there is potential to actually save money if you use a credit card wisely,

making the most of its features and benefits. 

Credit cards in India offer you features on par with most international cards, and using them will only be advantageous to you.

If you choose a multi-purpose card such as the Bajaj Finserv RBL Bank SuperCard, you get to leverage the features of four cards in a single payment tool.

Coming to the ‘most used cards’, these cannot be defined in terms of specific types of cards or particular card issuing authorities like banks and other CC companies.

The most used cards are probably those that are utilized for overall spending purposes, and not specifically attached to benefits like that for use by travelers or shoppers distinctively. 

List Of Popular Cards

The most used credit cards in India are the ones that are popular cards among cardholders.

These cards cater to different needs.

As mentioned earlier, singling out just one wouldn’t be a fair assessment of credit cards in the country.

However, if you broadly know the categories of cards that cater to specific purposes,

you may find that some are more used than others in a determined category.

Typically, for applicants who are using a credit card for the first time in their lives,

like those who have just begun their careers, a credit card that suffices for overall use is the most popular.

For instance, a superb card that caters to different needs is the Bajaj Finserv RBL Bank SuperCard.

If you want a credit card that gives you great rewards while you spend, the Citibank Rewards CC should be a popular choice, which is used by several individuals who shop on EMIs.

Similarly, a much-used card is the HDFC Moneyback CC which gives you great rewards while you shop as well. 

Useful Choices

When you are considering the most used cards in India, you have to think of the types of cards according to spending purpose and purchase use of individuals.

Based on cards for varying use, you can select cards with credit card features that suit your distinctive needs.

Here is a list of popular choices for different purchase uses: 

  • Bajaj Finserv RBL Bank SuperCard – Best for overall use
  • Yatra SBI Credit Card – Most used for travel-related spending
  • BPCL SBI Credit Card – Used widely for fuel spending
  • ICICI Bank Amazon Pay CC – Broadly used for online purchases
  • American Express Everyday Spend Gold Credit Card – Most used for overall general purchase patterns

One of the Best Cards Today

Deciding on a credit card can be a little difficult, especially for a new applicant. However, doing your research will help you a great deal.

You can find a great card in the Bajaj Finserv RBL Bank SuperCard, which extends numerous benefits and features. This CC can be used to withdraw cash from ATMs, as a loan card, an EMI card, and a standard credit card!


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