How to Pick the Best Credit Card for Your Lifestyle via Vi Finance

In today’s world, the right credit card is more than just a payment tool; it’s a lifestyle enabler. Whether you’re someone who loves dining out, enjoys watching movies over the weekend, shops online regularly, or travels frequently, the perfect credit card can help you save more while enhancing your experiences.

At Vi, we understand that choosing a credit card can be overwhelming. There are dozens of card types, reward structures, cashback terms, and hidden conditions. That’s why we have introduced Vi Finance, an easy, smart, and transparent way to discover, compare, and apply for the best credit card for your lifestyle, all from the Vi app.

We’ve partnered with Credilio, a trusted financial services platform, and top banks to bring you the most rewarding credit card choices in one unified place. With Vi Finance, you can compare multiple cards, review benefits, and apply instantly, in just a few clicks.

For customers who are new to credit or currently building their credit score, we also offer FD-backed credit cards, so eligibility is no longer a barrier.

What Are the Different Types of Credit Cards?

Credit cards come in different categories, each tailored to a particular lifestyle or spending behaviour. Understanding the basics makes it far easier to choose the right one.

1. Reward Credit Cards
   Earn reward points on every transaction, ideal for frequent shoppers.
2. Cashback Credit Cards
   A percentage of your spending is returned as cashback, helping you save instantly. Perfect for everyday expenses such as food delivery, groceries, or fuel.
3. Lifestyle & Dining Cards
   For those who enjoy movies, dining, and entertainment, these cards offer discounts and complimentary packages.
4. Travel Cards
   These cards offer airport lounge access, travel vouchers, and reduced foreign exchange mark-up fees.
5. FD-Backed or Secured Credit Cards
   Great for beginners or those looking to improve their credit score. You can open a fixed deposit, and your credit card limit is set against it.
   
   

Tips for Choosing the Right Credit Card

To pick the best credit card for your lifestyle, consider the following:

• Identify your spending pattern
  Do you shop online often? Travel? Spend more on food delivery and entertainment? The best card will unlock rewards where you spend the most.
• Compare annual fees and renewal fees
  Some cards waive annual fees based on yearly spending or come with no charges at all.
• Check cashback/rewards structure
  A card may offer points, cashback, or a mix. Choose what benefits you the most.
• Look for joining perks and welcome bonuses
  Many cards offer vouchers, membership plans, or instant cashback as soon as you activate the card.
• Consider lounge access and fuel benefits
  If you travel frequently or drive regularly, these features can provide substantial savings.
• Eligibility criteria
  If you’re a first-time user or have a low credit score, consider secured cards backed by fixed deposits through Vi Finance.

With Vi Finance, you can review these factors clearly and apply with confidence.

Find Your Ideal Credit Card with Vi Finance

Our credit card marketplace is designed to make your decision effortless. Simply tell us what you’re looking for and we’ll show you the best matches from leading banks.

Benefits of Getting a Credit Card with Vi Finance

Here’s how Vi Finance helps you choose smarter:

• Compare top credit cards in India, side-by-side.
• Quick digital application with no paperwork.
• FD-backed options for customers with no income proof or credit score.
• Instant confirmation from issuing banks.
• Tracking and application status updates within the app.

Whether you're a seasoned credit card user or getting your first one, we guide you at each step.

Top Credit Card Options Available via Vi Finance

Here’s a curated look at some of the most rewarding cards you can apply for through Vi Finance:

1. SBM Credilio Credit Card

   Highlights
   • Welcome benefits worth INR 5000 on fuel, fashion, OTT, and travel.
   • Free Movie Ticket: Buy 1 get 1 free on BookMyShow.
   • 10x rewards on fuel: earn 10% reward points on UPI at any fuel outlet.
   Card Benefits
   • No income proof, no credit score required.
   • INR 5000 to INR 5 lakhs: Flexible FD options. 90% of FD will be available as a credit limit. Physical card from FD amount of INR 10000.
   • Savings of INR 5400/year on BookMyShow + Swiggy + Zepto.
   • Earn up to 7% p.a. Interest on your FD and increase it anytime to boost your credit limit.
   • On UPI, earn 10% of your spends as reward points at any fuel outlet (Max 400 points per month, min INR 400 per transaction).
     On card swipes, earn 1% of your spends as reward points at any fuel outlet (Max 40 points per month, min INR 400 per transaction).
   • Earn 5X Reward points on your spends made via UPI and POS transactions, for non-fuel transactions. Unlimited reward points, never expiring.
   • Rupay offers on leading brands.
   Key Details
   • Card Fees: Joining fee - INR 0, Annual renewal fee - INR 0.

   Terms and Conditions apply*

2. IDFC First Bank Millenia Credit Card

   Highlights
   • Movie Tickets: 25% discount once a month up to INR 100 on Paytm App.
   • Dining: up to 20% off across 1500 restaurants.
   • Lounge access: complimentary railway lounge access-4 per quarter
   Card Benefits
   • 3X reward points on online and in-store spends respectively on spends up to INR 20000 per month, Applicable on rent, property management, property purchase, wallet, education, and government transactions..
   • 10X reward points on incremental spends above INR 20000 per month and spends done on your birthday (Excluding rent, property management, wallet loads, education, government services, utility bills, and insurance premium payments).
   • 1X Reward points on Insurance premium payments and Utility bill payments.
   • 1X=1 reward point per INR 150, 1 reward point= INR 0.25
   • Unlimited reward points that never expire.
   • Fuel surcharge waiver up to 1% to INR 200 per month (applicable only on transaction values between INR 200 and INR 5000)
   • Forex Markup 3.5%.
   Key Details
   • Joining Fee: INR 0
   • Annual Renewal Fee: INR 0

   Terms and Conditions apply*

3. Flipkart Axis Bank Mastercard Credit Card

   Highlights
   • Unlimited 5% cashback on every Flipkart order
   • 15% off on dining: discounts up to INR 500 at 10K+ partner restaurants.
   • Free lounge access: 4 complimentary domestic lounge access.
   Card Benefits
   • Unlimited cashback on every spend.
   • Welcome Benefit: INR 500 worth Flipkart voucher on first transaction* 50% instant discount on Swiggy up to INR 100 on first ever transaction (Offer is valid on the minimum cart value of INR 129)
   • 4% cashback on Cleartrip, Curefit, PVR, Swiggy, Tatasky, Uber.
   • 1.5% cashback on all other spend, wallet loads, EMI, Rent, Jewelry, Government services, etc.
   • 5% cashback on Flipkart spends*
   • 15% off up to INR 500 on dining at 10k+ partner restaurants across India with Easydiner.
   • 4 complimentary lounge access per calendar year (one per quarter)
   • 1% fuel surcharge waiver for transactions between INR 400 and INR 4000.
   • Annual fee waived off on annual spends greater than INR 3,50,000. .
   Key Details
   • Joining Fee: INR 500
   • Annual Renewal Fee: INR 500
   • Annual fee waived off on annual spends greater than INR 3,50,000

   Terms and Conditions apply*

4. IndusInd Bank Legend Credit Card

   Highlights
   • Discounted mark-up: 1.8% discounted forex fee on international payments.
   • 1% fuel surcharge: Instant Fuel surcharge waiver on all petrol pumps.
   • Buy 1 get 1: Buy 1 movie ticket & get the second 1 free. .
   Card Benefits
   • World-class privileges on travel, dining, and shopping.
   • Earn 1 reward point for every INR 100 spent on weekdays and earn 2 reward points for every INR 100 spent on weekends.
   • Exclusive Bonus Rewards: Earn 3000 Bonus reward points on spending INR 5,00,000 or more in a year.
   • Book one movie ticket and get another movie ticket free on Thu-Sun.
   Key Details
   • Joining Fee: Lifetime Free
   • Annual Renewal Fee: Lifetime Free

   Terms and Conditions apply*

5. Swiggy HDFC Bank Credit Card

   Highlights
   • 10% cashback on Swiggy Food, Instamart, and Dineout.
   • Flat 5% cashback on 1000+ online shopping apps.
   • Free 3 months Swiggy One: Welcome benefit redeemable upon card activation
   Card Benefits
   • Complimentary Swiggy One membership for 3 months on card activation.
   • 10% cashback on the Swiggy application (Food ordering, Instamart, Dineout, and Genie), capped at INR 1500 per billing cycle.
   • 5% cashback on online spends across online merchants (includes apparels, electronics, department stores, home decor, personal care, pharmacies, online pet stores, discount stores, Entertainment, and local cabs) capped at INR 1500 per billing cycle.
   • 1% cashback on other categories *capped at INR 500 per billing cycle
   Key Details
   • Joining Fee: INR 500
   • Annual renewal fee: INR 500.
   • Spend INR 2,00,000 in a year and get the renewal fee waived off.
   Terms and Conditions apply*
   • Cashback will be credited as Swiggy Money in the Swiggy App.
   • Minimum transaction size for earning the cashback is INR 100.
   • 1 unit of Swiggy Money = INR 1 updated.
   • Conditions apply

6. HSBC Visa Platinum Credit Card

   Highlights
   • Fuel Savings: Up to INR 3000 annual savings on fuel surcharge.
   • Rewards: 2 reward points for every INR 150 spends.
   • Air Miles conversion: Available on Air India, Etihad Airways, Singapore Airlines, and British Airways .
   Card Benefits
   1. Apply for a credit card online, and your application, Video KYC (VKYC), and receive your credit card to get an Amazon e-gift voucher worth INR 100.
   2. Download and log in to the HSBC India mobile app and spend at least INR 5000 in the first 30 days of having your card to get INR 500 cashback
   Key Details
   • Joining Fee: INR 0
   • Annual Renewal Fee: INR 0

   Terms and Conditions apply*

7. IndianOil Axis Bank RuPay Credit Card

   Highlights
   • Up to 15% discount on dining at partner restaurants.
   • Flat 10% discount on BookMyShow.
   • 1% fuel surcharge waiver: Instant fuel surcharge waiver
   Card Benefits
   • Earn 100% cashback up to INR 250 on transactions within the first 30 days of card issuance.
   • 10% discount on movie tickets booked via BookMyShow.
   • 5 EDGE Reward points per INR 100 spent on online shopping. Applicable on maximum spends of INR 5000 in a card statement month.
   • 1 EDGE reward point per INR100 spent on all other eligible spends, minimum transaction value of INR 200.
   • 1% fuel surcharge waiver is applicable on all fuel spends between INR 400 and INR 4000. Maximum waiver: INR 50 per statement month.
   • 15% discount on dining at partner restaurants in India. 20 EDGE Reward points per INR 100 spent on fuel at IOCL outlets across India. Fuel transactions between INR 400 and INR 4000 will be eligible. Maximum EDGE reward points that can be earned on fuel spends in a card statement month are INR 1000
   Key Details
   • Joining Fee: INR 500
   • Annual Renewal Fee: INR 500

   Terms and Conditions apply*

Step-by-Step Guide to Apply for a Credit Card through Vi Finance on the Vi App

Applying for a credit card via Vi Finance takes just a few minutes:

• Step 1: Open the Vi App
  If you don’t have it, download it from Google Play or App Store.
• Step 2: Go to Vi Finance → Credit Cards
• Step 3: Compare different cards
  Check rewards, cashback, annual fees, and eligibility criteria.
• Step 4: Select your preferred card
• Step 5: Fill in your basic details
  • Name.
  • Mobile number.
  • PAN and income details (if required)
  For FD-backed cards, simply create a fixed deposit digitally.
• Step 6: Complete digital verification
  Many cards offer video KYC, so no paperwork is required.
• Step 7: Get instant confirmation
  Your card will be approved digitally; the physical card will arrive in a few days.

Conclusion

Choosing the right credit card shouldn’t be complicated; it should be empowering. With Vi Finance, we make sure you pick a card that aligns with your lifestyle, maximises rewards, and helps you enjoy more value out of every spend.

Whether you are a frequent shopper, a foodie, a traveller, or someone starting their credit journey, Vi Finance offers a curated selection of the best credit cards from India’s leading banks, all in one place, with no hassle and complete transparency.