At present, credit cards have become an indispensable financial tool. They offer convenience, rewards, and the flexibility to manage your expenses efficiently. There is always a perfect credit card for you, whether you’re a frequent traveler, a shopaholic, or looking to build your credit. Credit cards have become an indispensable financial tool in today’s world. They offer convenience, rewards, and the flexibility to manage your expenses efficiently. Here in this article, let us explore the best credit cards in India that cater to a range of financial needs and lifestyles.
Table of Contents
List of 30 Credit Cards in India
1. LIT Credit Card (AU Small Finance Bank) – Best Overall
The AU Bank LIT Credit Card is a multipurpose and flexible credit card that provides a variety of rewards tailored to your specific needs. LIT, which stands for “Live it Today,” highlights the card’s emphasis on making the most of every moment and living life to the fullest. The AU Bank LIT Credit Card encourages you to embrace and enjoy the moment, whether you are traveling, shopping, or engaging in diverse experiences.
- New cardholders can enjoy attractive welcome bonuses in the form of reward points or cashback, providing an instant boost to their rewards balance.
- The LIT Credit Card offers reward points on various spending categories, including dining, groceries, and fuel. These points can be redeemed for a range of rewards, such as vouchers, merchandise, or statement credits.
- The card features contactless payment technology, allowing for quick and secure transactions at eligible merchants.
- Cardholders can enjoy a waiver on fuel surcharges at select fuel stations, helping save on fuel expenses.
2. Flipkart Axis Bank Credit Card – Best for Flipkart Shopping
The Flipkart Axis Bank credit card is tailored for Flipkart enthusiasts with rewards and discounts on Flipkart spending. You can earn Flipkart SuperCoins on all purchases, including groceries and dining. Other features include complimentary airport lounge access and fuel surcharge waivers at select fuel stations.
- This credit card is tailor-made for avid Flipkart shoppers. It offers substantial rewards and discounts on Flipkart spending, making it an ideal choice for those who frequently shop online.
- Cardholders earn Flipkart SuperCoins on every purchase, including groceries and dining. These SuperCoins can be redeemed on Flipkart for a variety of products and services, adding extra value to your shopping experience.
- Travelers can enjoy the luxury of complimentary access to airport lounges. This benefit enhances the overall travel experience, providing a comfortable space to relax before a flight.
- The card offers a fuel surcharge waiver at select fuel stations, helping cardholders save on fuel expenses during their journeys.
- The Flipkart Axis Bank Credit Card is equipped with contactless payment technology, ensuring quick and secure transactions at eligible merchants. This feature adds convenience and security to your payments.
3. IndusInd Bank Legend Credit Card
IndusInd Bank Legend Credit Card is a premium card, that is suitable for shopping, travel, and dining. This card provides exclusive benefits like priority pass membership, travel plus program, and dining benefits to its members. There is no joining fee or annual fee for this credit card. Hence, we highly recommend this credit card.
- Enjoy up to 30% discount on dining and up to 15% discount on various hotels and restaurants in India.
- Airport lounge benefits with Priority pass membership and more than 8 visits to international Airport lounges.
- You get 1 reward point when you spend Rs. 100 on weekdays and 2 reward points for Rs. 100 spent on weekends.
4. HDFC Money-Back Credit Card
HDFC Money Back is an entry-level credit card. The card comes with multiple features & benefits. You can use a Money-Back credit card for all you’re shopping and purchases either online or direct via shops.
With a money-back credit card, you can redeem your reward points for the cash amount. And each reward point is equal to Rs 0.30.
If you are trying to get your first credit card then HDFC money back will be one of your better options.
- Earn 2 Reward Points (RP) on Rs 150 spent. And 2X Reward Points on online spending.
- Zero Lost Card liability post reporting of the loss of the card
- Save money with a 2.5% fuel surcharge waiver, capped at Rs. 250 every billing cycle. EMI Facility
5. IDFC First Credit Card
The IDFC FIRST Credit Card is a good option for individuals seeking a basic credit card with cashback rewards and a range of benefits. Its no annual fee feature and cashback rewards on everyday spending make it an attractive choice for those looking to manage their expenses efficiently.
- One of the key advantages of the IDFC FIRST Credit Card is that it often comes with no annual fee, making it a cost-effective choice for cardholders.
- Depending on the specific variant of the IDFC FIRST Credit Card, cardholders can earn cashback rewards on various spending categories, such as dining, groceries, fuel, and more. These cashback rewards provide tangible savings on everyday expenses.
- The card typically offers an interest-free period on purchases, allowing cardholders to make payments without incurring interest charges if the outstanding balance is cleared within the billing cycle.
- IDFC FIRST Bank is known for its digital banking services. Cardholders can manage their credit card account online, making payments, checking statements, and tracking rewards conveniently through the bank’s digital platforms.
6. SWIGGY HDFC Bank Credit Card
The SWIGGY HDFC Bank Credit Card is an excellent choice for food enthusiasts who frequently dine out or order food online. Its rewards and benefits cater to those who enjoy culinary experiences and can provide significant savings on dining and grocery expenses.
- New cardholders typically receive attractive joining benefits, such as discounts, cashback, or vouchers on their initial transactions with the card.
- The SWIGGY HDFC Bank Credit Card is designed for food enthusiasts. Cardholders earn reward points or cashback on dining at restaurants and ordering food through platforms like Swiggy and Zomato. This is especially beneficial for those who frequently dine out or order food online.
- Many variants of this card offer rewards on grocery shopping. Cardholders can earn extra points or cashback when they purchase groceries from select stores, adding value to their everyday expenses.
- Equipped with contactless payment technology, the card allows for quick and secure transactions at merchants that accept contactless payments.
7. Axis Bank Indian Oil Credit Card
The Axis Bank Indian Oil Credit Card is an excellent choice for individuals who frequently use their vehicles and seek to maximize savings on fuel expenses. Its focus on fuel benefits, including discounts, cashback, and surcharge waivers, makes it a valuable tool for managing transportation costs.
- The Axis Bank Indian Oil Credit Card is specifically designed for fuel savings. Cardholders can enjoy substantial discounts and cashback on fuel purchases made at Indian Oil outlets across the country. This feature can lead to significant savings on fuel expenses over time.
- Welcome Offer: New cardholders often receive a welcome bonus, which may include fuel vouchers, discounts, or cashback on their initial fuel transactions.
- Fuel Surcharge Waiver: The card typically offers a fuel surcharge waiver, helping cardholders reduce the cost of fuel when filling up at Indian Oil petrol pumps.
- Accelerated Rewards: Cardholders can earn accelerated reward points or cashback when they use their Axis Bank Indian Oil Credit Card for fuel transactions, making it one of the most rewarding options for fuel-related expenses.
8. SBI Simply Click Credit Card
An ideal card for Online Shopping. This card has its main focus on e-commerce and offers numerous benefits and rewards to online shoppers and is one of our favorites on this list of Best Credit Cards In India.
Websites like Amazon, Flipkart, MakeMyTrip, and other vendors provide you with hassle-free transactions with this card.
If you make a fuel payment 2.5% waiver is provided on the surcharge but the transaction should be between INR 500 to INR 3000.
- Welcome e-gift voucher worth Rs 500 from Amazon
- 2.5% fuel surcharge waiver (on 500+ transaction amount)
- 10X rewards on online spending – Amazon/ BookMyShow/ Cleartrip/ Foodpanda / Lenskart / FabFurnish/ OLA / Zoomcar
- Earn 5X rewards on all other online shopping
9. ICICI Platinum Credit Card
ICICI Bank offers you an instant credit card against a fixed deposit if you have a savings account with ICICI Bank. You can simply log on to ICICI online banking and apply for the card.
This credit card is a good option for Students, Housewives, and Non-Salary people if they want to apply for a credit card against a Fixed Deposit.
There is a simple credit card without any annual fees.
- Get ₹ 100 off on movie tickets twice a month.
- Enjoy delicious treats at a minimum of 15% savings at over 800 leading restaurants across 10 cities in India.
- A 2.5% fuel surcharge waiver can be availed on fuel transactions of a maximum of ₹ 4,000 at HPCL pumps.
- 3 payback points for every Rs.100 spent.
10. Citibank Cashback Credit Card
Best for you if you watch movies and pay your bills online.
The biggest advantage of this card is that you get 5% off on movie tickets and telephone bill payments. While that might sound good, you can enjoy better offers on Bookmyshow and Paytm.
This is again a very beginner-range credit card similar to the Citibank Rewards Credit Card but is actually better than that.
- 5% cash back on movie ticket purchases.
- 5% cash back on all your telephone bill payments.
- Pay through Citibank Online Bill Pay and get 5% cash back on Utility Bill Payments.
11. Standard Chartered Manhattan Credit Card
This credit card is good if you want to dine out, go shopping, or purchase online.
To start with 5% cashback is provided to you if you go shopping in a supermarket and buy groceries.
Shopping stores like Reliance Fresh, Big Bazaar, Food Bazaar, and others will give you the benefit of getting 5% cashback.
The point to be kept in mind is that you have to make a minimum purchase of INR 1000.
- 5% cashback on credit card expenditure at supermarkets & department stores.
- 5x rewards when you use your credit card to pay for Hotels, Dining, Fuel, and Airline ticket reservations.
- Earn up to Rs. 500 as cashback every month and Rs. 150 per transaction.
12. SBI Card Prime
SBI Card Prime was recently launched which is our pick of 2017. If you’re looking for a single card that serves all purposes, it’s the SBI Prime Credit card Prime. It is an all-rounder and one of the best in this list of the Best Credit Cards In India.
It’s a power-packed credit card with a lot of features stuffed inside. From milestone benefits to lounge access, SBI Card Prime has everything you need under a single roof, and that too with a renewal fee waiver of 3L spent.
Best for Dining, Groceries & Departmental stores Spends, International/Domestic Lounge Access
- 20 RP per Rs.100 spent: Standing instructions for Utility Bills payments (5% Value)
- 10 RP per Rs.100 spent: Dining, Groceries, Departmental stores, and Movies (2.5% Value)
- 8 complimentary visits per year to Domestic VISA/Mastercard Lounges in India (max. 2 visits per quarter)
13. Standard Chartered Platinum Rewards Credit Card
This Standard Chartered Platinum card is a very good choice for salaried people who are looking for free and easy-to-use credit cards with no annual fees.
There is an entry fee of Rs 399 and in the first year, you don’t incur any annual charges. But in the second year, you have to pay Rs 750 as renewal charges.
The person applying for this card must earn a monthly income of at least Rs. 25000 per month.
- Get an additional 1000 reward points if you transact within 60 days.
- Bonus 500 points for registering for online banking.
- 20% cashback on Uber rides.
- 5 points on spending 150 rupees on dining.
14. Indian Oil Citi (IOC) Platinum Credit Card
The Indian oil Citi platinum credit card is one of the most famous cards for availing maximum benefits on fuel.
You earn up to 4 points on every purchase of Rs 150 fuel from Indian Oil. These points can be redeemed at Indian Oil for fuel purchases. 1 turbo point is equal to Rs 1 free fuel.
That means a benefit of 2.67% + you will get a waiver on 2.5% of the surcharge on fuel.
You can get 2 Turbo Points on every Rs.150 spent at groceries, supermarkets, and dining.
- There is no annual fee to be paid if you spend Rs 30000 or more on this card in a year. But subscribers who have not spent Rs 30000 will have to pay an annual fee of Rs 1000.
- Get benefits worth Rs 250 on the activation of the card.
15. Citi Premier Miles Credit Card
If you are a regular traveler doing transactions online then the Citi Premier Miles credit card is one of the best cards for you.
Because you can get 10% rewards miles for your spending. It is also useful if you spend on Flipkart for shopping and MakeMyTrip for booking.
This card offers 10 miles per Rs.100 you spend with this. If you redeem miles at preferred partners you get Rs.4.5 per Rs 100. In short, 4.5% of reward points, such a big discount.
- Get 10,000 miles with your first spend of Rs 1,000 or more on your Citi PremierMiles card within 60 days of card issuance.
- Get 3,000 miles on card renewal.
- Provides air accident insurance cover up to Rs.1 crore.
- It also provides complimentary language access to participating airport lounges in India.
16. American Express Gold Card
This card helps you earn 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of Rs. 1,000 and above every month.
The Annual Fee for the first year is Rs. 10,000 (Second year onwards Rs.4,500). But you also get 5000 MR Points on renewal for the second year.
It’s best if you already have another cashback credit card. Use it to earn 1000 bonus points worth 400 rupees every month.
- Welcome gift of 4,000 Membership Rewards Points after the first 3 spends in 60 days.
- 1000 Bonus MR Points for using your Card 6 times every month.
- Earn 1 MR point on Rs.50 spent on all spending except for spending on Fuel, Insurance, Utilities, and Cash Transactions.
17. SBI Signature Credit Card (Elite)
As the name suggests, this card belongs to the elite class of credit cards. The SBI Elite Card is a top-class credit card with exceptional benefits and features.
Although the annual fee is high (Rs. 4999), it is justified if you look at the features and benefits offered by the card.
Welcome gifts, up to 5x rewards, airport lounge access, and free movie tickets are some of the benefits related to this card.
SBI is one of the most trusted banks in India and it has come up with a gem of a card.
- Benefits worth Rs.30,000 every year.
- A welcome gift worth Rs.5,000.
- 2 Free movie tickets every month from Bookmyshow.
- Earn 10,000 bonus Reward Points for achieving annual spending of Rs. 2 lakhs, 3 lakhs, and 4 lakhs.
18. RBL Platinum Maxima Card
This card will give you the most benefits when used for dining, entertainment, utility bill payments, fuel, and international purchases.
Its annual is higher as compared to the other cards but it offers good deals against these annual fees.
You also get complimentary lounge access, bonus rewards for achieving milestone spending, and a lot more.
Usually, all cards provide a fuel surcharge waiver but RBL Platinum Maxima does not provide any fuel surcharge waiver.
- Swipe your card within 60 days of issuance and get 8,000 reward points.
- Earn 2 points per Rs.100 spent on all purchases.
- Earn 10 reward points when you use your card for Dining, Entertainment, and Utility Bill Payments.
19. HDFC All Miles Credit Card
This credit card mainly caters to middle to high-income people. The card offers an opportunity to earn 3 reward points for every Rs. 150 spent. In addition, you get double reward points on the ALL MILES Website (on Hotel Booking, flight booking, Mobile Recharges, and DTH recharges) along with a fuel surcharge waiver.
To get the most out of this card use it for travel purposes. After considering the benefits of the card, you should definitely apply for this card if you don’t mind paying an annual fee of only Rs. 1000 which can be waived easily if your spending exceeds Rs. 100000 in the previous year. In our Best Credit Cards In India list, this card stands out due to its versatility.
- Get a welcome gift of 1,000 reward points.
- Provide lounge access at airports in India or overseas.
- Get 3 reward points per Rs.150 you spend on anything.
- Enjoy double reward points on your spending on the All Miles website.
20. American Express MakeMyTrip Credit Card
American Express is associated with online travel companies (the only one in this Best Credit Cards In India segment) MakeMyTrip takes advantage of the rising popularity of online travel reservations. To take the full benefit of this American Express MakeMyTrip credit card offers multiple rewards and privileges.
If you spend Rs.2.5 Lakhs you get Rs.9,000 worth of MakeMyTrip vouchers which you can use to book flights/hotels.
Additionally, you get 1.25% via payback points spent on MakeMyTrip and 0.5% spent elsewhere. So you get an overall reward rate of ~3.7% (normal spend) to ~4.4% (MakeMyTrip spend).
- Welcome Gift: 2 MakeMyTrip vouchers, each worth Rs.1,000
- Spend Rs.1.25 lakhs in a year to get: a MakeMyTrip voucher worth Rs. 2,000
- Spend Rs.2.5 lakhs in a year to get: a MakeMyTrip voucher worth Rs. 5,000
- 5 Payback Points for every Rs. 100 spent on MakeMyTrip & 2 Payback points on every Rs.100 spent elsewhere.
- Additional 5% cashback on MakeMyTrip bookings.
21. HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit card is your ideal first premium credit card. It’s one of the best suited in our Best Credit Cards In India list for frequent flyers or business travelers.
It is a lifestyle card, you get a decent reward rate, free domestic and international lounge access, low foreign currency markup fees on international transactions, 5X rewards with selected merchants, and access to a host of other offers with HDFC.
If you find it tough to get approved, apply for Regalia First and then upgrade it to the Original Regalia after 6 months.
- 2500 welcome bonus points and 2500 renewal bonus points
- 4 points on every Rs.150 spent, 8 points on every Rs.150 spent on Dining/Air Vistara.
- Low-interest rate
22. SBI Simply Save Credit Card
SBI Simply Save credit card is a good option for those who are looking for a multi-purpose credit card with Public sector banks. Simply Save Card gives you almost every benefit and feature you are looking for.
This isn’t as beneficial as SBI Simply Click credit card but this is easier to select. We recommend first applying for an SBI Simply Click Card and if rejected then try this one out.
- 10 Reward Points per Rs.100 spent on Dining, Movies, Departmental Stores, and Grocery Spends. (4 Reward Points = Rs. 1)
- Freedom from paying the 2.5% fuel surcharge at any petrol pump
23. ICICI HPCL Coral Credit Card
The ICICI Bank HPCL Coral Credit card is specially featured for those who want to reduce their fuel bills.
This Credit Card helps you keep fuel costs under check with powerful cashback and fuel surcharge waiver programs. You can also avail of a minimum of 15% savings on dining at over 800 restaurants across the country.
The joining fee is only Rs 199, but it can waver if you spend Rs 5000 in the first 60 days.
- 2 Payback Points on every Rs 100/ spent on retail purchases except fuel.
- You can Redeem 2000 PAYBACK Points for fuel worth Rs 500/.
- Enjoy a Rs 100 discount on up to 2 movie tickets per month at bookmyshow.com.
24. HDFC Solitaire Credit Card ( Women’s Credit Card)
One of the largest private sector banks in India HDFC bank has offered an exclusive premium Credit Card for women. The Solitaire card comes with lots of added advantages for women.
Women can redeem Reward Points as CashBack against outstanding amounts on their Credit Card (100 Reward Points = Rs. 30). This is also a pretty cheap credit card when considering the benefits – just Rs 500
- 3 Reward Points on Rs. 150 spent.
- Earn 50% more Reward Points for dining and grocery spending.
- Save Rs. 1,500 in a year on your fuel transactions.
- Zero Lost Card liability post reporting card loss to the bank.
25. CITI Bank Rewards Credit Card
This Citibank Rewards card is pretty similar to the Citibank Cash Back Card.
The rewards program lets you earn up to 10 rewards points for every Rs. 125 spent and a decent annual fee of Rs. 1000 which can be easily waived off by spending Rs. 30000 or more in a year.
Using the card at department and apparel stores will fetch the most points.
- Earn 10X reward points on spending at apparel and department stores.
- Get 300 bonus points on card spending of INR 30,000 or more in a calendar month.
- Avail of up to 20% discounts on 2000+ selected restaurants with a Citibank Reward Credit Card.
26. ICICI Coral Visa Credit Card
ICICI Coral Visa Credit Card is one of the best Credit Cards under 30K monthly salary customers. Coral Visa is an International credit with exciting features & advantages. With this card, you can get unlimited cash rewards, free movie tickets, discounts on dining, and many more benefits.
You also get a Complimentary Provogue tie on joining as a welcome gift.
- Enjoy 2 complimentary movies every month under the Buy One Get One offer through the www.bookmyshow.com website.
- Avail of a minimum 15% discount on dining bills at over 800 restaurants across the country.
- Earn 4 Cash reward points on dining, groceries, and at supermarkets.
27. RBL Titanium Delight Credit Card
Ratnakar Bank aka RBL Bank Titanium Delight Card is a multi-purpose credit card.
This card is designed to complement the lifestyle. The card will give you the most benefits when used at Domino/Pizza Hut or for grocery shopping on Wednesdays.
You also get a fuel surcharge waiver along with movie offers. An annual fee of only Rs. 750 will be charged for this card which can be waived easily if your spending exceeds Rs. 1,00,000 in the previous year.
- Earn 2K bonus reward points if you swipe your card within 60 days of card issuance.
- Spend 10,000 in 60 days and get another 1,000 reward points.
- Get 1 free movie ticket on Bookmyshow with Buy One Get One Offer on Wednesday, once a month.
28. Amex Payback Credit Card
If you are more interested in an international brand, they can apply for an American Express PayBack credit card. This is one of the best credit cards in India from Amex.
The card offers an opportunity to earn 3 Payback Points for every Rs. 100 spent except for the categories Fuel, Utilities, Insurance, and Cash Transactions.
In addition, you get offers on dining, movies, and a lot more along with a fuel surcharge waiver.
- Earn multiple points from more than 40 PAYBACK partners and 3 PAYBACK Points from American Express PAYBACK Credit Card for every 100 spent.
- Get 900 bonus PAYBACK points on spending Rs 15,000 within 60 days of Card issuance.
- Get welcome vouchers worth Rs 3,000.
- Up to 20% discounts on dining in the selected restaurants in India, And up to 30% discounts and an additional 5% cashback at over 1200 restaurants every time you dine through Dineout.
29. Standard Chartered Super Value Titanium Credit Card
Standard Chartered Super Value titanium credit card is the best credit card that gives 5% cashback on spending money on fuel in India. It also gives 5% cashback on utility and telephone bill payments.
5% cash back on all telecom payments including phone bills, electricity, gas, and water. It is one of the best fuel credit cards in India.
The minimum transaction amount for cashback eligibility is Rs.750 and the minimum is Rs.100.
- Get 5% cashback on fuel at all petrol pumps in India. You will receive a 2.5% surcharge reversal and 2.5% cashback on the transaction amount at any petrol pump, be it BPCL, IOC, HPCL, or Reliance.
- 5% cash back on all telecom payments including phone bills
- Get 5% cashback on all utility bill payments, allowing you to save more on electricity, gas, and water.
- 1 reward point per Rs.100 on all other spendings.
30. Dhanlaxmi Bank Platinum Credit Card
Dhanlaxmi Bank Platinum Credit Card is a basic credit card for people who have a gross annual income of Rs. 6 Lacs. With this card, you get 5% cash back at supermarkets and department stores. Also, you earn reward points for various purchases.
The rewards program will be communicated to you when you sign up for the card. Other features of the card include free insurance coverage, a concierge facility, an empowering financial planning tool, and much more.
- 5% cashback on supermarkets and department stores.
- Air accident cover: Rs. 35 lacs.
- No joining or annual fee.
- Free add-on card.
More on Credit Cards:
How to Choose the Best Credit Card?
There are several factors to consider before selecting the credit card that suits you best. Some of them are listed below:
- Spending Habits: Identify your primary spending categories, such as travel, shopping, or dining, and choose a card that rewards those expenses.
- Fees and Interest Rates: Assess annual fees, renewal charges, and interest rates to ensure they align with your budget.
- Rewards and Benefits: Look for cards that offer rewards or benefits that suit your lifestyle, whether it’s travel perks, cashback, or discounts.
- Credit Score: Your credit score plays a significant role in card approval. Ensure your credit profile meets the card issuer’s requirements.
How to Apply for a Credit Card?
Below are the important steps you must follow while applying for a new credit card:
- Research: Explore the available credit cards, and compare features, rewards, and fees to find the one that suits you.
- Online Application: Visit the card issuer’s website or a trusted financial portal to apply online.
- Documentation: Prepare the necessary documents, including identity proof, address proof, income documents, and passport-sized photographs.
- Application Submission: Fill out the application form, attach the required documents, and submit the application.
- Verification: The card issuer will verify your application and documents. This may include a physical verification.
- Approval: Upon successful verification, you’ll receive approval for your credit card.
- Card Activation: Once you receive the card, activate it as per the instructions provided by the issuer.
Credit Card Benefits and Rewards
Credit cards offer a variety of benefits and rewards. It includes the following:
- Cashback: Get a percentage of your spending back as cash rewards.
- Rewards Points: Accumulate points on every transaction, which can be redeemed for gifts, vouchers, or travel bookings.
- Travel Perks: Enjoy travel-related benefits like lounge access, air miles, and hotel discounts.
- Dining Discounts: Avail discounts and offers at partner restaurants.
- Fuel Surcharge Waiver: Get waivers on fuel surcharges at select fuel stations.
Interest Rates and Fees
Credit cards often come with annual fees, late payment charges, and interest rates on outstanding balances. It is crucial to understand these terms to manage your card effectively and avoid unnecessary costs.
Frequently Asked Questions (FAQs)
Can I apply for a credit card with a low credit score?
It may be challenging to get a premium credit card with a low credit score. However, some cards cater to individuals with lower credit scores. It is advisable to consider a secured credit card to build your credit.
What should I do if my credit card is lost or stolen?
You must contact your card issuer immediately to report the loss. They will guide you on blocking the card and issuing a replacement.
Can I upgrade or downgrade my credit card?
Many card issuers offer the option to upgrade or downgrade your card based on your changing financial needs and spending habits.