Best 16 Secondary Credit Cards In India 2022 | Top16 Secondary Credit Cards In India 2022

Sometimes having only one credit card is not enough, this is because a single card can not serve all of your needs. Having more than one credit card can also help you to increase your credit score because it shows that you have the ability to maintain your finances. A secondary credit card can also be helpful in case of emergencies especially if the card has a higher credit limit. 

So if you are looking for a secondary credit card but have no idea what to choose, then go through the 16 credit cards list given below, and hopefully, it will help you to make an informed choice. 

• Table of Contents

  Axis Bank Indian Oil Credit Card

There are a few credit cards that can match the axis bank indian oil credit card in terms of fuel benefits at a competitive rate. Fuel expenses have never been more rewarding with this card. It offers accelerated rewards on fuel, movie ticket discounts, dining discounts, and a whole lot more. Go through the complete axis bank indian oil credit card review to learn more about this card. 

How much does the axis bank indian oil credit card charges?

• Axis bank indian oil credit card joining fee: Rs. 500 + GST*
• Axis bank indian oil credit card annual fee: Rs. 500 + GST*

*As a limited period offer you can now get this axis indianoil credit card without any joining or annual fees.

100xGain Rating:

7/10

What are the major axis bank indian oil credit card benefits?

• This indian oil axis bank credit card offers 20 reward points for every Rs.100 transaction made at IOCL fuel stations.
• You can also bag up to a 10% discount on movie tickets.
• There is also a 1% fuel surcharge waiver on this axis bank credit card.
• On this indian oil credit card axis bank offers a 20% discount on dining bills.

Pros and Cons of the indian oil axis bank credit card:

Pros	Cons
The rate of earning reward points is quite impressive. The annual fees seem reasonable. There are also some attractive deals on dining and movie tickets on this card.	This card doesn’t have any travel booking benefits. This axis bank card is not very good for frequent shoppers.

If you want to know about axis bank credit card pin generation process or how to set an axis bank indian oil credit card limit? then make sure to take a look at our axis bank credit card faq page.

• HDFC Doctors Regalia Credit Card

If you are a doctor looking for a credit card that can match your profession then you should take a look at the HDFC Doctors Regalia Credit Card. This unique credit card is stuffed with all sorts of benefits that are needed to make a doctor’s life worry-free. It offers complimentary indemnity insurance coverage, a multilingual travel concierge service, free access to airport lounges, and lots more. Make sure to read the complete review to know more about the benefits.

What are the doctor regalia hdfc bank credit card charges?

• HDFC doctors regalia credit card joining fees: Rs. 2500 + GST
• HDFC doctors regalia credit card annual fee: Rs. 2500 + GST

100xGain Rating:

8/10

What are the hdfc bank regalia credit card benefits?

• You will get a professional indemnity coverage of Rs. 20 lakh. 
• This hdfc bank credit card offers a multilingual travel concierge service to make your life worry-free.
• We will get up to 12 free access to domestic and international airport lounges via the doctor regalia hdfc bank credit card priority pass membership.
• There is also a 25% discount on dining expenses.

Pros and Cons:

Pros	Cons
There is a huge professional indemnity insurance coverage on this hdfc bank regalia credit card. You can also enjoy some free access to domestic and international airport lounges. This card also offers a handsome discount on dining expenses.	This card is only available for doctors. You will not get any movie benefits from this hdfc bank credit card.

• Amazon Pay ICICI Bank Credit Card

There are a few credit cards that are more popular in India than the amazon pay icici bank credit card. This is a specially designed credit card aimed at shopaholics. Additionally, it allows you to enjoy huge discounts on Amazon, exclusive dining deals, and attractive waivers on fuel surcharges, and what is more intriguing is that you will receive all those benefits for free. Seems interesting, then make sure to take a look at the complete icici bank amazon credit card review.

What are the amazon pay icici bank credit card charges?

• Amazon pay icici card joining fee: None.
• Amazon pay icici bank credit card annual fee: Free for a lifetime.

100xGain Rating:

8/10

What are the major amazon pay icici bank credit card benefits?

• This amazon pay icici bank credit card offers you up to a 5% discount on Amazon.

• You will also get a 15% discount on your dining bills.
• There is also a 1% waiver on fuel surcharges on this amazon icici bank credit card.

Pros and Cons of the icici bank amazon credit card:

Pros	Cons
This amazon pay icici credit card is very good at offering shopping benefits. You will also get a handsome discount on your dining bills.	This card does not offer any movie benefits. There are no travel booking benefits on this icici bank amazon pay credit card.

Now if you are thinking about when do you need to pay annual charges for amazon pay icici bank credit card? or what is the maximum reward you can get using amazon pay icici bank credit card? then feel free to take a look at the complete amazon icici bank credit card review.

• ICICI Manchester United Signature Credit Card

If you are a crazy fan of Manchester United and looking for a credit card that can support your passions then, the icici manchester united signature credit card would be a perfect choice for you. While this card charges an annual fee of Rs. 2499, it lets you enjoy exclusive discounts on Manchester United merchandise and stadium tickets, free access to airport lounges, attractive deals on dining expenses, etc. You can find more about the benefits from the complete icici manchester united signature credit card review.

What are the icici manchester united signature credit card charges?

• ICICI manchester united signature credit card joining fee: Rs. 2499 + GST
• ICICI manchester united credit card annual fee: Rs. 2499 + GST

100xGain Rating:

7/10

What are the icici manchester united signature credit card benefits?

• This icici manchester united credit card offers a 10% discount at Manchester United online and physical mega stores.
• You will get a 20% discount on Manchester United Stadium tickets.
• You will get two free quarterly accesses at most of the premium domestic airport lounges.
• There is also a 15% discount on dining expenses on this icici bank manchester united credit card.

Pros and Cons of the icici bank manchester united signature credit card:

Pros	Cons
This card offers attractive deals on Manchester United merchandise and match tickets. You will also get free access to domestic airport lounges.  This card also offers attractive deals on dining expenses.	The icici manchester united signature credit card annual fee seems a bit high. The lounge access benefits are only available at domestic airport lounges.

• Uni Pay 1/3rd card

The uni pay 1/3rd card is probably the most unique credit card available in India. Even though we refer to it as a credit card, it is actually a line of credit disguised as a card. Uniorbit Technologies developed this card in conjunction with the public sector bank RBL. The unique feature of this card is that you can split any of your transactions into 3 months of no-cost EMI. To know more about the benefits and the terms and conditions, make sure to check the complete uni pay 1/3rd card review.

What are the uni pay card charges?

• Uni pay card joining fee: None.
• Uni pay credit card annual fee: None.

100xGain Rating:

6.5/10

What are the uni pay credit card benefits?

• This uni pay card offers a 3-month Zomato Pro membership as an introductory bonus.
• It allows you to convert your monthly credit card bill or any payment made using this uni pay card into a 3-month no-cost EMI.
• You will also get a very unique unboxing experience with this uni 1/3rd card.

Pros and Cons of the uni pay ⅓ card:

Pros	Cons
You can convert any transaction into EMI without paying any extra charges. There is also a 3-month Zomato Pro membership with this uni pay card.	There are no reward points or cashback benefits on this uni pay 1/3 card. You will not get any lounge access or travel-related benefits.

If you have questions like; how to close uni pay card account? or how to pay uni card bill? then make sure to take a look at the 100xGain faq page.

• RBL Bank Paisa On Demand Credit Card

If you are looking for a credit card that can stand for you in emergency situations then the rbl bank paisa on demand credit card would be a decent choice for you. The feature that makes this card unique is the instant loan facility, which allows you to get a loan against your credit limit. Apart from that, this card offers some attractive rewards on every transaction, and some free movie tickets every month. You can find more about the benefits from the complete rbl bank paisa on demand credit card review.

What are the rbl bank paisa on demand credit card charges?

• RBL bank credit card joining fee: Rs. 500 + GST
• RBL bank credit card annual fee: Rs. 500 + GST

100xGain Rating:

6.5/10

What are the rbl bank paisa on demand credit card benefits?

• This card lets you get an instant loan against your credit limit. You can even pay back the loan amount in small monthly installments.
• This rbl bank paisa on demand credit card features up to 2 reward points for every Rs100 online transaction.
• You will also get some free movie tickets every month.

Pros and Cons of the Paisa On Demand rbl credit card:

Pros	Cons
The Instant loan facility can offer you some financial support during emergencies. The rbl paisa on demand credit card also offers some free movie tickets every month.	The rate of earning rbl credit card reward points is not that great. This card does not feature any shopping or dining benefits.

If you want to know; How to check rbl bank paisa on demand credit card status? or how to close rbl credit card permanently? Then make sure to take a look at the 100xGain faq page.

• Axis Bank MY Zone Credit Card

When it comes to attractive online benefits at an affordable rate, the axis bank my zone credit card is the choice of many Indians. With attractive deals on online shopping and other online expenses, this card has the ability to make your every transaction rewarding. Read the complete axis bank my zone credit card review to know more about this card.

What are the axis bank my zone credit card charges?

• Axis bank my zone credit card joining fee: Rs. 500 + GST
• Axis bank my zone credit card annual fee: Rs. 500 + GST

*As a limited period offer, you can now get this axis bank my zone credit card without any joining or annual fees.

100xGain Rating:

8/10

What are the major axis bank my zone credit card benefits?

• This axis bank my zone credit card offers you up to a 40% discount on Swiggy.
• You can earn up to 4 reward points for every Rs.200 transaction made using this axis bank my zone card.
• You can enjoy free access to some of the selected airport lounges. 
• Also, this axis my zone credit card offers a 20% discount at premium restaurants. 

Pros and Cons:

Pros	Cons
This axis bank card offers a huge discount on online food orders and dining at premium restaurants. The my zone credit card reward points earning rate is quite impressive. You will also get some free lounge access with this axis bank my zone card.	axis bank my zone credit card online shopping offers are only available on Myntra.

If you want to know; how to activate axis bank my zone credit card? Or how to increase axis bank my zone credit card limit? Then make sure to take a look at our Axis credit card faq page.

• HDFC Times Titanium Credit Card

The hdfc times titanium credit card may be the best option for you if you are only looking for entertainment benefits. Whether it’s huge discounts on movie tickets or exclusive shopping deals, this card is sure to make your day better. Read the complete hdfc times titanium credit card review to know more about this card.

What are the hdfc times titanium credit card charges?

• HDFC bank times titanium credit card joining fee: Rs. 500 + GST
• HDFC times titanium credit card annual fee: Rs. 500 + GST

100xGain Rating:

7/10

What are the major hdfc times titanium credit card benefits?

• This hdfc bank times titanium credit card offers up to 5 Reward points for every Rs.150 transaction.
• You can get a 25% discount on movie tickets booked from BookMyShow.
• With this times titanium credit card hdfc bank offers Rs. 250 monthly waiver on fuel surcharges.
• You can also grab some exclusive deals on shopping.

Pros & Cons:

Pros	Cons
The hdfc titanium times credit card reward points earning rate is quite good. This hdfc credit card offers a decent cashback on movie tickets. You can earn some good waivers on fuel surcharges.	There are no dining benefits on this hdfc titanium times credit card.

If you want to know about how to redeem hdfc times titanium credit card points then feel free to take a look at our HDFC credit card faq page.

• Apollo SBI Credit Card

If you want to earn some savings from your medical expenses, then the apollo sbi credit card can be very useful for you. Offering attractive instant savings on Apollo services, attractive rewards on medical expenses, and handsome monthly waivers on fuel surcharges, this card can offer you huge monthly/annual savings. If you want to know more about the benefits, then make sure to take a look at the complete sbi apollo credit card review.

What are the apollo sbi credit card fees?

• SBI apollo credit card joining fee: Rs. 499 + GST
• SBI apollo credit card annual fee: Rs. 499 + GST

100xGain Rating:

6.5/10

What are the sbi apollo credit card benefits?

• This apollo sbi credit card offers a 10% instant discount on selected Apollo services.
• You can earn up to 3X reward points for every Rs100 spent on Apollo services. You can also redeem your earned points from your sbi apollo credit card reward points redemption catalog.
• This sbi apollo credit card features a one-year Apollo gold tire membership as a welcome gift.
• You can earn up to Rs.100 monthly waiver on fuel surcharges.

Pros and Cons of the sbi apollo credit card:

Pros	Cons
You can avail a huge instant discount on Apollo services. This apollo sbi credit card offers accelerated rewards on apollo services.	This sbi credit card is not very good for dining or entertainment-related benefits.

If you want to know how to redeem sbi apollo credit card points? or how to check sbi apollo credit card application status then make sure to take a look at the 100xGain faq page.

• Mumbai Metro SBI Card

If you are a regular traveler of Mumbai Metro, then having the mumbai metro sbi card can offer you some handsome savings. It lets you enjoy accelerated rewards on Mumbai metro smart card top-up, dining, movie, and groceries. This card also features an auto top-up facility that stops your metro smart card balance from going below Rs. 50. Make sure to read the complete review to know more about the benefits.

What are the sbi mumbai metro credit card fees?

• SBI mumbai metro credit card joining fee: Rs. 499 + GST
• Mumbai metro sbi credit card annual fee: Rs. 499 + GST

100xGain Rating:

6.5/10

What are the mumbai metro sbi credit card benefits?

• This sbi mumbai metro credit card features an auto top-up facility that ensures that your smart mumbai metro card balance never goes under Rs.50.
• You can earn up to 10 reward points for every Rs.100 spent via the auto top-up facility.
• This sbi mumbai metro card also offers 10 reward points for every Rs100 spent on dining, movies, and groceries.
• You can earn up to Rs. 100 monthly waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
The rate of earning reward points on this card is very impressive. You can earn some handsome rewards for recharging your mumbai metro card.  The auto top-up feature can be very helpful for frequent travelers.	This sbi mumbai metro card is not very good for offering shopping or entertainment benefits.

• RBL World Safari Credit Card

The rbl world safari credit card is specifically designed for frequent international travelers. Cross currency conversion fees can be a headache for frequent travelers, and this card can solve that issue by offering a 0% convenience fee on foreign currency conversion. This card also comes with a ton of useful travel facilities, more of which are discussed in the complete rbl world safari credit card review.

What are the RBL world safari credit card fees?

• RBL bank world safari credit card joining fee: Rs. 3,000 + GST
• RBL world safari credit card annual fee: Rs. 3,000 + GST

100xGain Rating:

7/10

What are the rbl world safari credit card benefits?

• This rbl world safari credit card offers a 0% convenience fee on cross-currency conversion.
• You can earn up to 5 travel points for every Rs.100 transaction made on travel expenses.
• With this world safari credit card rbl bank offers up to 2 free access to most of the domestic airport lounges. 
• You can enjoy complimentary golf rounds at some of the selected golf courses in India.

Pros and Cons of the rbl world safari credit card:

Pros	Cons
Using this world safari rbl credit card you can make cross-currency transactions without paying any extra charges. You will also get free access to domestic airport lounges. There are also some complimentary golf rounds on this rbl bank world safari credit card.	The rate of earning reward points could be a bit better. There are no shopping benefits on this world safari rbl bank credit card.

• Standard Chartered Manhattan Platinum Credit Card

The standard chartered manhattan platinum credit card would be a good choice if you want a second credit card solely for movie and entertainment benefits. It may seem that the annual fee is quite high at first, but when you consider the benefits, it makes a lot of sense. The card offers us the chance to watch movies, dine, travel, and shop, all at competitive prices.  Read the complete standard chartered manhattan platinum credit card review to know more about the benefits.

What are the fees of the standard chartered manhattan platinum credit card?

• Standard chartered bank manhattan platinum credit card joining fee: Rs. 999 + GST
• Standard chartered manhattan platinum credit card annual fee: Rs. 999 + GST

100xGain Rating:

7/10

What are the major standard chartered manhattan platinum credit card benefits?

• This standard chartered manhattan platinum credit card offers exclusive deals in the dining and entertainment categories.
• You can bag up to a 20% discount on premium hotel booking via MakeMyTrip and Goibibo.
• This standard chartered manhattan platinum credit card features a 5% cashback and supermarkets.
• You can also earn up to 3 reward points for every Rs.150 transaction.

Pros & Cons of the manhattan platinum standard chartered credit card:

Pros	Cons
You can get some handsome discounts on movie tickets. The rate of offering reward points is also quite good. There are also some exclusive deals on shopping and hotel booking and dining.	This standard chartered platinum credit card doesn’t offer any free movie tickets.

If you want to know how to set a standard chartered manhattan platinum credit card limit? Or how to check standard chartered application status? Then make sure to take a look at our faq page.

• SBI BPCL Octane Credit Card

Those looking to maximize their fuel expenses will find the sbi bpcl octane credit card a great choice. The card’s annual fee is Rs. 1499, but the rewards you receive on fuel expenses, the value back on fuel purchases, the monthly waiver on fuel surcharges, and other benefits make it well worth it. If you want to know more about the benefits then feel free to take a look at the complete sbi bpcl octane credit card review.

What are the sbi bpcl octane credit card charges?

• BPCL sbi octane credit card joining fee: Rs.1499 + GST
• SBI bpcl octane credit card annual fee: Rs.1499 + GST

100xGain Rating:

7.5/10

What are the sbi bpcl octane credit card benefits?

• This sbi card offers 25 reward points for every Rs.100 transaction made on fuel.
• You will also get a 7.25% value bank at BPCL fuel stations.
• There is also a monthly Rs.100 fuel surcharge waiver.
• This sbi bpcl octane credit card features a fraud liability coverage of Rs.1,00,000 on this card.

Pros and Cons of the bpcl octane sbi card:

Pros	Cons
The rate of earning reward points is quite impressive. This bpcl sbi card also offers a handsome value back on fuel expenses. You will also get complimentary fraud liability coverage with this bpcl octane sbi card.	There are no shopping or dining benefits on this sbi bpcl octane credit card. This card is not very good for travel expenses.

If you want to know how to check sbi bpcl octane credit card limit? or how to redeem sbi bpcl octane credit card reward points? then feel free to take a look at the SBI credit card faq page.

• HDFC Intermiles Signature Credit Card

When it comes to premium travel benefits, the Intermiles hdfc intermiles signature credit card is the choice of many Indians. With a huge joining incentive, InterMile points, and other travel-related benefits, this card can add the touch of luxury that you are looking for. Read the complete hdfc intermiles signature credit card review to know more about this card.

What are the intermiles hdfc bank signature credit card fees?

• HDFC intermiles signature credit card joining fee: Rs. 2500 + GST
• HDFC intermiles signature credit card annual fee: Rs. 2500 + GST

100xGain Rating:

8/10

What are the major hdfc intermiles signature credit card benefits?

• You can earn up to 12 InterMile points for every Rs.150 transaction. 
• This hdfc premium intermiles signature credit card gives you free access to domestic(4 per quarter)  and international lounges(5 per year).
• This card offers a 10% discount on Etihad business-class flight tickets.
• There is also a 25% discount on dining expenses on this hdfc visa intermiles signature credit card.

Pros and Cons of the hdfc bank intermiles signature credit card:

Pros	Cons
You can use your interMiles points for travel booking. You can enjoy free access to domestic and international airport lounges. This hdfc bank credit card also offers a handsome discount on Etihad flight tickets.	There are no hotel booking benefits on this intermiles hdfc signature credit card.

If you want to know how to check hdfc credit card statement? or how to make hdfc credit card payment online? then make sure to take a look at our HDFC faq page.

• HDFC Millennia Credit Card

The hdfc millennia credit card is one of the most popular credit cards among Indian millennials. Offering excellent deals on online shopping and travel booking, free access to airport lounges, and an unbelievable discount on dining bills, this card brings so much value with it that it can easily justify the Rs. 1000 annual fee. Read the complete hdfc millennia credit card review if you want to know more about this card.

What are the hdfc millennia credit card fees?

• HDFC millennia credit card joining fee: Rs. 1000 + GST
• HDFC millennia credit card annual fee: Rs. 1000 + GST

100xGain Rating:

7.5/10

What are the major hdfc millennia credit card benefits?

• This hdfc millennia credit card offers you up to a 5% discount on Flipkart, Amazon, and on other major e-commerse platforms.
• You will get up to 8 free access per year to most of the domestic airport lounges.
• You can bag a gigantic 20% discount on your dining bill.
• With this millennia credit card hdfc bank offers Rs. 250 monthly waiver on fuel surcharges.

Pros and Cons of the millennia hdfc credit card:

Pros	Cons
This card gives you huge savings on online expenses. You can get some free access to domestic airport lounges using this hdfc credit card. You can also earn a handsome waiver on fuel surcharges.	The lounge access benefits are only applicable at domestic airport lounges. The hdfc bank millennia credit card annual fee seems a bit high.

You can visit our HDFC faq page for questions like how to apply for hdfc millennia credit card? or how to activate hdfc millennia credit card?

• Kotak Myteam Credit Card

Have you ever thought that a credit card can reward you for watching cricket, if not then take a look at the kotak myteam credit card. This card is uniquely crafted for IPL lovers, giving them an opportunity to show their love for their favorite team in a unique way. This card comes with a unique reward scheme that can reward you for every achievement of your favorite team. To know more about this card, make sure to read the complete review.

What are the MyTeam kotak mahindra bank credit card fees?

• MyTeam kotak credit card joining fee: Rs. 199 + GST
• MyTeam kotak credit card annual fee: Rs. 199 + GST

100xGain Rating:

6/10

What are the MyTeam kotak mahindra bank credit card benefits?

• You can earn up to 6 reward points every time your favorite team scores a boundary.
• Also, if your favorite team wins the finals, you will get 1000 reward points. 
• This card also offers some exclusive deals on lifestyle categories.

Pros and Cons:

Pros	Cons
This kotak credit card comes with a very interesting reward scheme. The annual fee of the card is very low. You will get some attractive deals on lifestyle categories.	You will not get any dining or entertainment benefits from this kotak mahindra credit card. This card does not have anything in the travel category.

For questions like; how to check kotak credit card application status? or if you want to know about the kotak credit card payment methods, you can take a look at our Kotak faq page.

The purpose of getting a secondary credit card is to provide the facilities that your primary credit cards lack. You do not need a high-value premium credit card; a low-cost credit card will be enough. So, decide wisely about your second credit card, and take advantage of the many benefits it has to offer. Also if you have any questions about credit cards then feel free to take a look at the 100xGain faq page.