SBI Card Unnati To IDFC FIRST WOW: Five Best Credit Cards For Senior Citizens
SBI Card Unnati and ICICI Platinum Chip Credit Card are among the options senior citizens can explore.
Financial priorities change at different stages of one's life. Lifestyle expenses and monthly budgets must be tailored to an individual's evolving needs, especially senior citizens. From regular medical check-ups to grocery shopping and paying utility bills, financial needs typically rise in the retirement years.
Credit cards designed specifically for senior citizens can be a practical solution to meet changing financial needs, offering benefits such as cashback, healthcare discounts, travel perks, and lower fees.
Senior citizens can explore credit cards that offer ease of use, low fees and benefits that align with their lifestyle and health-related needs.
Here are some of the best credit cards for senior citizens in India in 2025.
Top Five Credit Cards For Senior Citizens
1. IDFC FIRST WOW! Credit Card
The IDFC FIRST WOW! Credit Card for senior citizens does not charge any joining or annual membership fees. To get this card, you need to have a fixed deposit with IDFC FIRST Bank with a minimum amount of Rs 20,000.
It provides roadside assistance, personal accident cover and fuel surcharge waiver.
2. ICICI Platinum Chip Credit Card
The ICICI Platinum Chip Credit Card is a lifetime free credit card as it has no joining or annual fee. It offers 1% waiver on fuel transactions in the range of Rs 400 to Rs 4,000 at Hindustan Petroleum Corporation Limited (HPCL) pumps. It lets you earn and redeem points across multiple categories.
3. SBI Card Unnati
The SBI Card Unnati is free for the first four years. Thereafter, an annual fee of Rs 499 is charged. It provides one reward point on spending Rs 100. Cardholders can get 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000.
4. Axis Bank My Zone Credit Card
The Axis Bank My Zone Credit Card comes with a joining and annual fee of Rs 100 each. It offers complimentary lounge access once every quarter at specific domestic airports. It also provides an instant discount of Rs 120 for food orders on Swiggy.
5. SBI SimplyCLICK card
The SBI SimplyCLICK card has a joining and annual fee of Rs 499 each. You can earn 10X reward points on transactions with partners such as Apollo 24x7, BookMyShow and Cleartrip. It also offers an Amazon gift card worth Rs 500 on payment of the annual fee.
To conclude, the right credit card can enhance financial flexibility and provide valuable perks to senior citizens. Before signing up for any card, make sure you read the terms and conditions, especially for fees and rewards.
