Credit cards are built with different users in mind. Some cards help you save on everyday purchases, while others reward you for luxury spending or international travel. Here are different types of credit cards tailored to various habits and personalities:
Cashback Cards – For the everyday saver
Well suited for people who value small savings on regular purchases.
Earn cashback on groceries, fuel, utility bills, and online shopping
Simple rewards structure – what you spend is what you get back
Often come with no-cost EMI options for essential purchases
Ideal for families and salaried professionals managing monthly budgets
Travel Cards – For the wanderer at heart
Perfect if your idea of happiness is boarding passes and hotel bookings.
Complimentary lounge access at domestic and international airports
Collect air miles that can be redeemed for flights and upgrades
Travel insurance and lost baggage protection
Discounts on hotel bookings, airport cabs, and forex markup charges
Reward Points Cards – For the strategic spender
Great for those who love making their money work smarter.
Earn points on every spend – from shopping to dining
Redeem for vouchers, electronics, travel bookings, or lifestyle brands
Often include bonus points for milestone spends
Suitable for consistent spenders who want flexible redemption options
Lifestyle Cards – For the experience seeker
Ideal if you enjoy the finer things and curated experiences.
Discounts on fine dining, salon visits, events, and movies
Access to invite-only experiences and brand collaborations
Complimentary subscriptions (OTT, dining clubs, etc.)
Perfect for urban professionals and social explorers
Fuel Cards – For the daily commuter
Helps take the sting out of rising fuel costs.
Fuel surcharge waiver at partner petrol pumps
Reward points or cashback on every litre filled
Often include auto-debit and bill payment features
Great for long-distance drivers or people commuting by car or bike
Student or Entry-Level Cards – For the first-time cardholder
Tailored for those just stepping into financial independence.
Low or zero joining fees
Lower credit limits for controlled spending
Helps build a credit score over time
Ideal for students, first-jobbers, and anyone new to credit
So, whether you're hunting for the best travel credit card or just need something that simplifies bill payments, there's a card that fits your rhythm. The trick isn’t to chase benefits — it’s to choose what aligns with the life you’re already living.