India offers a wide range of credit card services provided by banks and financial institutions, catering to different customer needs and lifestyles. Here’s a comprehensive overview of all types of credit card services available in India, grouped by category:

1. By Purpose / Benefits

a. Rewards Credit Cards

• Earn reward points for every purchase.

• Examples: HDFC Regalia, SBI Card ELITE, Axis Bank Magnus.

b. Cashback Credit Cards

• Provide a percentage of spending back as cashback.

• Examples: Axis Bank Ace Credit Card, Amazon Pay ICICI Card, HDFC Millennia.

c. Travel Credit Cards

• Airline miles, travel discounts, lounge access.

• Examples: SBI Air India Card, HDFC Diners ClubMiles, Axis Vistara Cards.

d. Fuel Credit Cards

• Fuel surcharge waivers and discounts at petrol pumps.

• Examples: IndianOil Citi Card, BPCL SBI Card, ICICI HPCL Card.

e. Shopping / Lifestyle Credit Cards

• Discounts and offers for shopping, dining, and entertainment.

• Examples: Flipkart Axis Bank Card, Myntra Kotak Card, SBI SimplyCLICK.

f. Business / Corporate Credit Cards

• Designed for business expenses, travel, and accounting tools.

• Examples: HDFC Business MoneyBack, SBI Corporate Card.

g. Student Credit Cards

• Basic features, lower credit limits, sometimes linked to education loans.

• Examples: SBI Student Plus Advantage Card, HDFC ForexPlus Card for students.

2. By Credit Type / Features

a. Secured Credit Cards

• Issued against fixed deposits, for users with no or poor credit history.

• Examples: ICICI Coral Secured Card, Axis Insta Easy Card.

b. Prepaid / Virtual Credit Cards

• Not real credit; loaded with money in advance; used online or internationally.

• Examples: HDFC NetSafe Card, ICICI Virtual Card.

c. Co-branded Credit Cards

• Issued in partnership with brands like Amazon, Flipkart, IRCTC, airlines, etc.

• Examples: Amazon Pay ICICI Card, IRCTC SBI Card, Club Vistara Credit Cards.

d. Premium & Super Premium Credit Cards

• High credit limit, concierge service, golf access, international lounges.

• Examples: HDFC Infinia, Axis Reserve, ICICI Emeralde.

3. Specialized Credit Cards

• Contactless Cards (NFC-enabled) – For tap-and-pay convenience.

• Forex / International Travel Cards – For foreign currency transactions.

• EMI Cards / No Cost EMI Credit Cards – Convert purchases into EMIs.

• Lifetime Free Credit Cards – No annual or renewal charges.

Major Credit Card Issuers in India:

• Banks: HDFC Bank, SBI, ICICI Bank, Axis Bank, Kotak Mahindra, IndusInd Bank. 

• Payment Networks: Visa, MasterCard, RuPay, American Express.

• NBFCs / Fintech: Slice, OneCard, Uni Card, Paytm SBI Card.