Looking for the top credit card in Noida or Gurgaon? Instant approval, low interest rate, or no annual fees? You’ve landed at the right destination. Cred-Mart.com makes it easy for you to choose the ideal credit card, particularly for Delhi NCR residents such as Delhi, Noida, and Gurgaon.
In this guidebook, we have kept everything in one place: Offers, benefits, eligibility, and online application.
Why the Right Credit Card is Important
Credit cards now are not merely swiping. The appropriate card can assist you in saving money, provide you with cashback, reward you, and even assist with credit score building. Delhi NCR dwellers have plenty to choose from – but best for you?
Noida and Gurgaon’s Best Credit Card Offers
Living in Gurgaon or Noida? These are the top credit cards options in 2025:
- HDFC Millennia Credit Card – Ideal for online shopping, dining & travel.
- SBI SimplyCLICK – Ideal for newbies and e-commerce enthusiasts.
- ICICI Coral Contactless Card – Ideal for lifestyle and entertainment rewards.
- Axis Bank ACE Credit Card – Cashback on every purchase, powered by Google Pay.
Suitable for salaried and self-employed individuals.
Delhi, India Credit Card Promotions
If you are a Delhi shopper or a small business person in Delhi, look for cards that offer high-end rewards and airport lounge access. Top picks are:
- American Express SmartEarn – Build points on anything you purchase.
- YES Bank Rewards Card – Decent reward-to-redemption ratio.
Tip: Choose cards that reward you with cashback on grocery, fuel, and online shopping.
Application Process for Credit Card in Delhi NCR
It is easy to get a credit card, and online is no different. These are the easy steps:
How to Apply for a Credit Card in Delhi NCR
Step-by-step to apply:
- Go to www.cred-mart.com
- Choose your city: Delhi, Noida, or Gurgaon
- Select your preferred credit card
- Click “Apply Now”
- Enter basic information (PAN, income, mobile)
- Upload Aadhaar, Address Proof (KYC documents)
- Wait for immediate approval or additional verification
Approval in minutes on certain cards!
Low-Interest Credit Cards in Noida & Delhi NCR
If month by month you pay balance, choose low-interest cards:
- Kotak Mahindra Royale Signature – Affordable APR with great lifestyle advantages
- Standard Chartered Platinum Rewards Card – Low interest, for salaried customers
Select cards with 0% interest introductory periods of 3–6 months.
Gurgaon’s Top Cashback Credit Cards in India
Cashback cards actually save money on gas, food, and dining out:
- Flipkart Axis Bank Credit Card – 5% cashback at Flipkart
- Amazon Pay ICICI Card – Excellent if you buy from Amazon Prime
- HDFC Bharat Cashback Card – Best for offline transactions
Most cashback cards are accepted in the majority of NCR supermarkets and fuel pumps.
Best Rewards Credit Cards in Delhi & New Delhi
Points can also be redeemed for booking tickets, vouchers, or even EMI deals:
- HDFC Regalia – Luxury card with travel benefits
- Axis Magnus Card – High-end card, higher income threshold
- ICICI Amazon Pay Card – Easy shopping and redeeming on Amazon
Use reward points wisely — don’t let them expire!
No Fee Credit Cards in Noida, India
Why pay yearly fees when there are cards that reward you for free?
- IDFC First Classic Card – No joining fee or annual fee
- AU Bank LIT Credit Card – Pay as you use advantages
- HSBC Platinum Credit Card – Intelligent features for a lifetime free card
For college students, first-time card users, or freelancers.
Delhi NCR Instant Approval Credit Cards
Require an instant credit card? These cards provide instant electronic approval:
- OneCard Metal Card – 100% digital KYC & approval
- Slice Super Card – Young professionals’ favorite
- IndusInd Platinum Aura – Fast processing, virtual card immediately.
There are banks that even give you a virtual card which you can use immediately.
Gurgaon and Noida Self-Employed Credit Card
If you’re a consultant, freelancer, or small local business owner, don’t worry-you’re still invited to apply.
- YES Prosperity Business Card
- ICICI Platinum Business Card
- HDFC Business MoneyBack Credit Card
Last 1–2 years ITR, proof of business address, PAN. More Information.
Secure, Fast and Paperless Internet Credit Card Application
Banking trips and forms are a thing of the past. Apply online at Cred-Mart.com is:
- Secure (SSL-encrypted)
- Quick (application in less than 5 mins)
- Paperless (scan/upload documents)
Track application status on your smartphone whenever you want.
Conclusion: Which Delhi NCR Credit Card is Suitable for You?
Choosing the best credit card in Delhi NCR depends on your requirements:
| Type of Need | Suggested Card |
|---|---|
| Online retail | Flipkart Axis, Amazon ICICI |
| Low fees | IDFC First Classic, HSBC Platinum |
| Self-employed | ICICI Business, YES Prosperity |
| Quick approval | OneCard, Slice |
| Travel & Rewards | HDFC Regalia, Axis Magnus |
We at Cred-Mart help you compare and apply — all from the convenience of your home in Noida, Gurgaon, or Delhi.
Frequent Asked Questions (FAQs)
Q1. Which is the best cashback credit card in Delhi NCR?
Flipkart Axis Bank and HDFC Bharat Cashback have good ratings.
Q2. Are self-employed individuals eligible for a credit card?
Yes! File ITR & business proof. Cards such as YES Prosperity Business are ok.
Q3. What is the time needed for credit card approval?
There are certain cards like OneCard which take minutes to authorize. Others take 2–5 days.
