An ideal credit score occurs between 670 and 740 and anything beyond this is considered to be a very good credit score. There are many benefits for you if your credit score lies between this range or anything above this. Due to a good credit score, you will be able to avail of additional credit with relative ease.

Moreover, a good credit score opens up the opportunity to grab better rewards and offers from credit card companies. Thus, there is enough incentive associated with being willing to maintain a good credit score.

While many users do not understand what is CIBIL score, they are also unaware of the functions which a credit card can play, when it comes to improving your credit score.

Since every credit card has a liability attached with it, making payment of the due amounts on a credit card has a role to play in improving your credit score. This happens each time when an amount becomes due on your card and the details regarding the same are shared with a credit rating agency.

Thus, if you are suffering from a bad credit score, you can significantly improve the same by owning a reliable credit card. By making timely payments on the said card, you can easily move towards a better credit score in due time.

Here are some of the best credit cards which are available in the market. These secured credit cards are among the best options to choose when you need to maintain a good CIBIL score.

Best Credit Cards To Maintain An Ideal Credit Score

ICICI Bank Coral Credit Card

You can avail this credit card if you have a minimum balance of INR 20000 in your fixed deposit account. The said balance must be maintained for a minimum span of 180 days.

Once this requirement is complete, you can join at a low fee of INR 500 to avail various benefits on dining, movie tickets and lounge access. Additionally, you will be able to avail a discount of up to 15% on dining partners.

The bank also offers a number of features with the card. Thus, it is a lucrative option to spend your balance and seek a better credit score.

ICICI Bank Instant Platinum Credit Card

This credit card is also available at a minimum fixed deposit amount. Thus it motivates you to perform better on the financial front and secure a better credit score.

Once you are eligible to obtain this card, you will be able to benefit in many ways. From free credit facilities to cash withdrawal limits, there are many benefits waiting for you.

Citibank Cashback Credit Card

There is no joining fee limiting you to get this card. However, there is the applicability of an annual fee due to which you will be able to avail the benefit of several features on this card.

The major benefits which accrue to you by using this card include attractive cashback on your spending, the redemption of reward points, and additional savings on your spending. Thus, you can spend your limit to gain attractive benefits while also improving your credit score.

Indian Oil Citibank Platinum Credit Card

The annual fee on this card is applicable only if your spending is below a certain limit. This card is highly rewarding for you if your major expenses occur across fuel expenses.

Using this card will bring major savings your way. All points accumulated by using this card will bring you the benefit of savings in terms of fuel surcharge waiver and fuel savings. Thus, you can easily use the limit on this card to make some savings which will also enhance your credit score.

HSBC Visa Platinum Card

There is no joining or annual fee applicable on this card. However, when it comes to rewards, there is no dearth of benefits which will come to you if you use this card to make various payments.

Using this card brings you the ultimate benefit of saving money. The more you use this card, the more would be your savings. Thus, it will help you spend the limit on this card easily without worrying about debt.

IndusInd Bank Platinum Credit Card

Since this card belongs to the premium category, it brings along with it some handsome rewards for you. It gives you access to some priority rewards and also makes it a rewarding experience for you to spend your money.

Thus, it becomes hassle-free for you to make payments and take the advantage of a good credit record. This credit card offers various additional benefits in terms of brand vouchers and insurance cover as well.

SBI Card Elite

With this elite status card, you will have to spend a considerable fee in terms of amount for joining this card and an annual fee. However, it is quite worthwhile since you will also receive some really handsome rewards in return.

For every spending across major categories such as dining and airport bookings, you will earn reward points which can be redeemed later. There are many reasons to make use of this card and gain benefits of a good credit score by repaying the amount due on it.

Simply SAVE SBI Credit Card

The joining and annual fee associated with this card is quite simple. In return, this credit card offers you several benefits and rewards. So, there is a wide array of sections across which you can spend your limit and hope to earn rewards.

If you are someone who spends online money on basic shopping needs like groceries, this credit card is a good option for you. The plus point is that you can hope to improve your credit score at the same time as paying back for the amount due to it.

In Conclusion

If you are hoping to improve or maintain your credit score, then you can opt for these credit cards. There are yet other credit cards such as the best Axis credit card which can help you attain this goal. However, even these cards are best suited for your requirement.

Your credit score will improve every time you make use of this card and make timely payments of its due amount.