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Your rate also directly affects how long it takes to pay off your credit card debt. A lower APR can allow you to pay down debt faster and make your balance less expensive in the long run.

Standout benefits: This card earns up to 1.5% cashback. You'll earn at least 1% cash back and receive the full 1.5% cash back on eligible purchases after making 12 on-time monthly payments.

250. With Kotak Bank, you can avail of the balance transfer facility for a minimum of Rs. 2,500. The maximum amount allowed is up to 75% of the credit limit on the Kotak Bank credit card.