Best Credit Cards For Fair Credit In India

A Credit Score that ranges between 630-689 is considered a fair credit score. Although a good credit score of 750 or above opens the gate for many promising credit card options, but you can still get suitable alternatives if you have a fair credit score as well.

The fair credit score ranges from acceptable to low, which means you won't qualify for many prime credit cards. However, getting started with whatever is available for you may be able to help you manage your credit sensibly and improve your credit score.

Below mentioned are some of the best credit cards for fair credit in India:

SBI Advantage Plus Credit card

Joining Fee: Rs. 500+ Applicable Charges

Features:

• Worldwide acceptance

• Easy EMI Conversion of purchases above Rs. 2500 and above.

• Add on cards facility for family members.

• Withdraw up to 80-85% of the total fixed deposit amount.

• Reward redemption fee of Rs. 99

• Balance transfer on EMIs.

• Can withdraw up to 100% of your cash withdrawal limit.

Standard Chartered Platinum Reward Card

Joining Fee: Rs. 250 + Applicable Charges

Features:

• 5 reward points on every Rs. 150 spent on dining and fuel.

• 1 Reward point on every Rs. 150 spent on other purchases.

• No monthly Cap on how many rewards you can earn.

• Option to get a lifetime free supplementary credit card for family members.

• Contactless Payments.

• Balance transfer on EMIs.

• Renewal fee waived off on spending Rs. 60,000 or more in the previous year.

Citibank Cashback Credit Card

Joining Fee: Rs. 500 + Applicable Charges

Features:

• Up to 5% cashback on telephone & utility bill payments, and movie ticket purchases

• 0.5% cashback on all other spendings.

• Cashback is auto-credited to statements in multiples of Rs. 500

• Convert big purchases into small and affordable EMIs.

• Get a discount of up to 20% on your meal at any Citibank partnering restaurant across the world.

• Reward points earned have no expiration date.

HDFC Moneyback Credit Card

Joining Fee: Rs. 500 + Applicable Charges

Features:

• Earn 2 reward points on every Rs. 150 spent in-store.

• 4 Reward points on every Rs. 150 spent online

• On spending Rs. 50,000 or more in a quarter, get a gift voucher worth Rs. 500

• Up to 50 days of Interest-free period

• 500 cash points as a welcome bonus

• Contactless Payments & Smart EMI

Axis Bank Insta Easy Credit Card

Joining Fee: Rs. 500 + Applicable Charges

Features:

• Earn Up to 6 reward points on every Rs. 200 spent.

• Bonus 100 reward points on the first online spent

• Up to 50 days of Interest-free period

• Add-on credit card facility for family members

• 1% fuel surcharge waiver

• 80% of the deposited amount will be the card’s credit limit.

• Exclusive dining, travel, and hotel discounts are available.

Bottom Line:

Having a fair credit score already indicates that you are sailing on the correct path, however, there is still a long way to go to reach a higher milestone. You can achieve a higher credit score by optimally using credit cards such as the ones mentioned above. Individuals having a fair credit score can apply for credit cards online here.

Additional Reading - Tips for Managing Your First Credit Card