Top Trending Credit Cards 2025 — சிறந்த கிரெடிட் கார்டுகள் மற்றும் விண்ணப்பிக்கும் முறைகள்

Today Trending Best Credit Cards  இன்றைய பிரபலமான கிரெடிட் கார்டுகள் & எப்படி Apply செய்வது

A practical, original guide in Tamil + English mixing — categories, top options, pros/cons, step-by-step apply guide, KYC checklist and approval tips.

Quick TL;DR — யாருக்கு எந்த கார்டு?

• Cashback / Everyday spends: Beginner to mid users — look for no-fee cashback cards or low joining fee cards.
• Rewards / Shopping: Frequent online shoppers — cards with partner discounts (e-commerce, groceries, utilities).
• Travel / Flights & Lounge access: Frequent flyers — travel cards with miles, lounge access and hotel benefits.
• Premium / Concierge: High spenders — premium cards with concierge, airport services and luxury partner benefits.
• Student / Starter cards: Low limit, easy eligibility or add-on cards for first timers.

(Lists & comparisons below are based on current market aggregators and issuer summaries — see references.) :contentReference[oaicite:1]{index=1}

Top Trending Card Options (Category-wise) / பிரிவு வாரியாக பரிந்துரைகள்

1) Best Cashback / Everyday — Cashback & Low Fee

Who is it for: Daily spenders — groceries, fuel, bills.

What to expect: 1–5% cashback on category spends, sometimes capped monthly; annual fee can be waived on minimum spends.

Popular issuers in this category: SBI Cashback cards, ICICI cashback variants, and entry cards from other banks. Compare exact rates on aggregator sites. :contentReference[oaicite:2]{index=2}

2) Best Rewards & Shopping — Points, Partner Benefits

Who is it for: Online shoppers (fashion, electronics, groceries).

What to expect: Reward points per ₹ spent, bonus points on partner merchants (e-commerce), discount vouchers, festival offers.

Look at HDFC/Axis/ICICI shopping variants and co-branded cards (Flipkart, Amazon, etc.). :contentReference[oaicite:3]{index=3}

3) Best Travel Cards — Miles, Lounge Access

Who is it for: Frequent flyers and hotel bookers.

What to expect: Air miles or points that convert to flight bookings, free/complimentary lounge access, travel insurance, golf/concierge perks at premium tiers.

Popular picks: Axis/IDFC/HDFC travel premium cards and AmEx travel cards — check each issuer for lounge & reward rules. :contentReference[oaicite:4]{index=4}

4) Premium / Lifestyle Cards — Concierge & Luxury Perks

Who is it for: High spenders who value premium lifestyle experiences.

What to expect: High joining/annual fee but rich benefits: hotel credits, dining privileges, travel credits, airport limo or concierge services.

Examples: Premium Infinia / Diners Black / AmEx Platinum class cards — weigh fee vs annual benefits carefully. :contentReference[oaicite:5]{index=5}

5) Starter / Student Options — Low-limit / Simple Eligibility

Who is it for: Young professionals, students, first-time credit users.

What to expect: Low credit limit, easier approval (salary account holders or add-on cards with family).

Many banks offer co-branded or secured credit cards (against fixed deposit) — ideal for building credit history. :contentReference[oaicite:6]{index=6}

How to Choose the Right Card — எப்படிக் தேர்வு செய்வது

1. Map your spending: travel / shopping / groceries / dining — choose category that returns highest benefit.
2. Check effective annual cost: annual fee minus cashback/vouchers you realistically will use.
3. Read T&C: reward expiry, capping, merchant exclusions and conversion rates for points to rupees/miles.
4. Consider acceptance & customer service of issuer in your city (after-sales matters).

Step-by-Step: How to Apply for a Credit Card (Online) — Online மூலம் விண்ணப்பிக்கும் முறை

அ) Pre-application checks — முன் தயாராக செய்ய வேண்டியவை

• Check your CIBIL / credit score. Higher score increases approval chances.
• Keep PAN, Aadhaar, latest salary slip / bank statement and registered mobile number handy.
• Decide exact card variant (joining fee vs benefits) and the primary reason to use it.

ஆ) Online application — step-by-step

1. Go to the issuer’s official website or a trusted aggregator (e.g., Paisabazaar, CardExpert, Groww) to compare and click “Apply”. :contentReference[oaicite:7]{index=7}
2. Fill basic personal details: Name, PAN, Date of Birth, Mobile number, Email.
3. Enter financial details: monthly salary, employer name, total annual income. For self-employed: business income details and last 2–3 years ITR or CA certificate.
4. Upload KYC documents (scanned copies) or choose e-KYC via Aadhaar OTP if supported. Common documents: PAN (ID), Aadhaar or Passport (ID+Address), latest salary slip or bank statement. :contentReference[oaicite:8]{index=8}
5. Complete in-page or IVR OTP verification on your registered mobile and submit.
6. Issuer may do instant soft-pull for eligibility; some apps show instant pre-approved offers — accept if suitable.
7. On approval, you’ll get a soft copy communication and physical card will be couriered after address verification or e-KYC completion.

இ) Branch / Offline application (if you prefer)

1. Visit the issuer branch, ask for credit card application form.
2. Submit filled form with self-attested KYC documents and salary proof.
3. Sign the form; branch may initiate verification and issue in principle approval.

Note: Several banks now allow instant issuance of virtual card (for online spends) immediately after approval — useful while waiting for physical card.

KYC & Documents Checklist — தேவையான ஆவணங்கள் (RBI compliant)

As per RBI & issuer guidance, commonly accepted documents include: PAN (mandatory), any one Officially Valid Document (Aadhaar / Passport / Driving Licence / Voter ID) for identity & address, and income proof (salary slip / bank statement / ITR). :contentReference[oaicite:9]{index=9}

Purpose	Common Documents (examples)
Identity	PAN card, Passport (first page), Aadhaar (masked), Voter ID
Address	Aadhaar, Passport, Driving Licence, Recent utility bill (not older than 3 months)
Income Proof	Latest 3 months salary slips OR last 6 months bank statement OR ITR for self-employed
Photo	Passport size photo (if offline)

Approval Tips & Common Pitfalls — Approval பெறும் நிபந்தனைகள்

• Stable income & low existing debt: keep credit utilisation low (<30 better="" chances.="" for="" li="">
• Accurate application: mismatch in name/PAN/Aadhaar slows approval — ensure exact details.
• Don’t apply multiple cards at once: multiple hard enquiries can hurt score.
• Use pre-approved offers if available: banks sometimes list pre-approved cards linked to your account — higher success rate. :contentReference[oaicite:10]{index=10}

After Approval — Card Activation & Responsible Use / அங்கீகாரத்திற்குப் பிறகு

1. Activate by calling the number / using issuer app. Set PIN and enable SMS alerts.
2. Pay monthly statement on time — avoid interest and maintain score.
3. Use card benefits (reward redemption, lounge access) but track expiries & caps.
4. Maintain credit utilisation under 30% to keep score healthy.

FAQs — அடிக்கடி கேட்கப்படும் கேள்விகள்

Q: How long does approval take?

A: Instant decisions possible for many online apps (minutes to 48 hours). Full KYC & courier delivery may take 7–10 business days.

Q: Can I get a card with low CIBIL?

A: Cards for low CIBIL are limited; secured cards (against FD) or add-on cards via family members are alternate paths.

Q: How to get annual fee waived?

A: Many issuers waive annual fee on achieving a minimum annual spend threshold — read T&C or call customer care to request waiver after meeting spends.

Sources & Further Reading

• Aggregator lists & comparisons for 2025 — Paisabazaar, CardExpert, Groww (useful to compare specific cards & live offers). :contentReference[oaicite:11]{index=11}
• RBI Master Direction & KYC FAQs — for accepted identity/address documents. :contentReference[oaicite:12]{index=12}
• Bank guides on KYC & re-KYC — ICICI / HDFC explanation pages. :contentReference[oaicite:13]{index=13}

Disclaimer: This content is educational and original. Specific card features, fees and offers change frequently — always verify the latest T&Cs on the issuer’s official website before applying. This is not personalized financial advice.