Best Senior Citizens Credit Cards in India for 2025

Senior citizens are those people of the society who need extra care and attention. This is not just due to their age but also because many go through old-age problems including the financial ones. While the government has taken several steps in this regard, there are also several other support systems.

We are talking of the credit cards that are especially designed for people over 60 years of age in the country. Senior credit cards or senior citizen credit cards come in options from various lenders (banks) and can be used for the exclusive benefits provided on healthcare, insurance, travel, etc., fields which are necessarily, usually required in their case.

Eligibility Criteria to Avail Senior Credit Card Benefits

Here are some of the requirements to avail the benefits of a senior citizen credit card:

• Age: You need to be at least 60 years in age
• Income: The income requirements vary from card to card, but usually it's a lower one when compared to regular credit cards
• Credit Score: It does matter; 750 credit score can enhance your chances of approval

Top Senior Citizen Credit Cards India 2025

1. SBI Simply Save Credit Card
2. SBI Card Unnati
3. HDFC Seniority Plus Credit Card
4. IDFC FIRST WOW! Credit Card
5. ICICI Bank Coral Senior Citizen Credit Card

Here are the cards in detail:

SBI Simply Save Credit Card

Main Features of SBI Simply Save Credit Card are as follows:

• No annual fee is charged, making it economically more favorable
• A complimentary/free accident insurance cover comes with the card to support during an unfortunate incident of an accident
• Cashback of 10% on the payments of utility bills

SBI Card Unnati

Here are the key points to know:

• This card is quite popular among the list for being free of charges for the first four years
• The annual fee charged thereafter is Rs.499
• Earn 1 reward point on every Rs.100 spends
• Also get a 1% fuel waiver purchases as part of travel assistance; the spends (a transaction) need to be between Rs.500 and Rs.3,000

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HDFC Seniority Plus Credit Card

The main points of this card:

• The annual fee is waived off for the first year
• Get a cashback of 5% on your medical bills
• Also get a 1% fuel surcharge waiver

IDFC FIRST WOW! Credit Card

Key features of IDFC FIRST WOW! Credit Card are:

• Another very popular credit card for senior citizens, this is also considered a great choice
• Suitable for those with fixed incomes
• No annual fee charged on the card's ownership
• No joining fee charged
• No membership fee required to be paid
• Accepted at all RuPay network merchants, as well as the UPI-linked payments
• You, however, need to have a fixed deposit with the bank with a minimum amount equal to Rs.20,000

ICICI Bank Coral Senior Citizen Credit Card

This card's salient features can be summed up as below:

• Again, this is another card that attracts no annual charges on the bearer
• There are discounts to be enjoyed on your dining and travel expenses
• There is also a 2% cashback for the spends related to grocery and supermarket

There can be several other options, a few of which are:

• ICICI Platinum Chip Credit Card
• Axis Bank My Zone Credit Card
• SBI SimplyCLICK Card
• IDBI Imperium Platinum Credit Card
• Axis Bank Asha Senior Citizen Credit Card

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Choosing the Right Senior Credit Card

The following points should be considered when selecting a senior citizen credit card:

• The Annual Fee: There are such cards with no or minimal annual fee. Selecting one of those will be an additional benefit for the bearer
• Fuel Waivers: Traveling is one of the basic necessities and if you feel you spend much in this category, choose a card that offers fuel surcharge waivers
• Health Care Discounts: One of the most important needs of senior citizens is healthcare. You cannot ignore going through the healthcare benefits available
• Airport Lounge Access: International travel is quite common these days; so check the airport lounge benefits allotted for senior citizens
• Rewards: Basic everyday necessities also form a major part of expenses for a good deal of senior citizens in the country. So prefer cards with cashbacks and points on groceries and prescription drugs.

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