About Us

General-Purpose cards are not really a category according to most banks.

However, in our analysis, most cards fall into this category given their rewards design, that offers roughly equal return on almost all spend. Their additional benefits might skew towards travel, dining, or shopping, but you wouldn't sign up for these cards because of them.

Who should get a General-Purpose Credit Card?

Most people. If you don't like to carry too many cards, and your spend is not particularly skewed towards any one category, then a General-Purpose card makes sense. Think of them as "Jack of all trades" cards.

Who should not get a General-Purpose Credit Card?

If you have spikes in spend in specific categories, then you're better off using category-specific cards to maximise returns

What to look (out) for in a General-Purpose Credit Card?

Simple rewards redemption mechanism without hoops to jump through to redeem. Examine the rewards catalogue before signing up to see if has enough things that you'd otherwise pay for.

We analyzed 71 cards that we call "General-Purpose". Four cards deserve consideration, with one new card that could well move higher over time.

Our research is completely independent. We make no commisions if you click through and sign up for any of these products.

The Best General-Purpose Credit Card

SimplyClick SBI Card
Read full review
  • Joining Fee
  • ₹499
  • Annual Fee
  • ₹499
  • Joining Bonus
  • Amazon voucher worth ₹500
View Card
What we like
  • Excellent value on online purchases, especially on all major ecommerce sites
  • Nominal annual fee waived on crossing Rs 1,00,000 spend
  • Simple rewards redemption mechanism
What we don't
  • Offers on bookmyshow and urbanclap are for first time users only
In a tweet

One of the simplest reward programs out there, all spend on the SimplyClick SBI card translates to vouchers on cleartrip and amazon. If you'd just like to carry one low-cost credit card, this one is a strong contender.

Also Good General Purpose Card

ICICI Amazon Pay
Read full review
  • Joining Fee
  • 0
  • Annual Fee
  • 0
  • Joining Bonus
  • Amazon Pay credit worth ₹750
View Card

Also Good General-Purpose Credit Card

Axis Bank Buzz
Read full review
  • Joining Fee
  • ₹750
  • Annual Fee
  • ₹750
  • Joining Bonus
  • ₹1,000 Flipkart e-gift card
View Card

Other General-Purpose credit cards we considered:

  • ICICI Bank Carbon
  • Standard Chartered Manhattan Platinum
  • American Express Membership Rewards
  • MoneyTap Card
  • RBL Bank MoCash
  • RBL Bank Crossword Rewards
  • SBI SimplyCLICK Advantage
  • RBL Bank Crossword Black
  • RBL Bank ETMoney Loanpass
  • RBL Bank Paisa On Demand
  • RBL Bank Platinum Plus SuperCard
  • American Express Gold Card
  • RBL Bank India Startup World
  • Axis Bank MY Zone Easy
  • RBL Bank Shoprite
  • HDFC Freedom
  • RBL Bank Titanium Delight
  • SBI SimplySAVE Card
  • Axis Bank Neo
  • RBL Bank Platinum Choice SuperCard
  • Kotak Fortune Gold
  • SBI Card Unnati
  • SBI SimplySAVE Advantage
  • RBL Bank Platinum Delight
  • RBL Bank Classic Reward
  • Axis Bank Insta Easy Credit
  • RBL Bank Platium Max Supercard
  • RBL Bank Platium Prime Supercard
  • RBL Bank Cookies Credit Card
  • SBI Card PRIME Advantage
  • Standard Chartered Super Value Titanium
  • Yes Prosperity Edge
  • Allahabad Bank SimplySAVE SBI Card
  • RBL Bank Platinum Maxima
  • RBL Bank Platium Classic Supercard
  • Karur Vysya Bank - SBI Card
  • Oriental Bank of Commerce - SBI Card
  • Bank Of Maharashtra - SBI Card
  • RBL Bank Classic Platinum
  • RBL Bank Classic Shopper
  • Kotak Privy League Signature
  • Axis Bank FreeCharge
  • Yes Prosperity Rewards Plus
  • Kotak Solaris Platinum
  • RBL Bank Platinum Advantage SuperCard
  • Kotak League Platinum
  • Kotak Wealth Management Infinite
  • Kotak Corporate Wealth Signature
  • Kotak Best Price
  • Apollo SBI Card
  • ICICI Bank Platinum Identity
  • ICICI Bank Ascent American Express
  • RBL Bank India Startup Club Platinum
  • Federal Bank SBI Credit Card
  • Kotak Delight Platinum
  • Yes Prosperity Rewards
  • Karnataka Bank SBI SimplySAVE Card
  • South Indian Bank Simply Save SBI Card
  • LVB SBI SimplySAVE Card
  • EKotak ssentia Platinum
  • SBI Card PRIME
  • Kotak Silk Inspire
  • RBL Bank Platium Edge Supercard
  • RBL Bank MoneyTap Black Card
  • Yes Prosperity Cashback
  • RBL Bank Icon Card
  • SBI Card PRIME Business
  • Allahabad Bank SBI Card PRIME
  • Kotak Privy League Signature