Posted on: May 22, 2024 Posted by: admin Comments: 0
What Are the 4 Main Credit Cards? / चार मुख्य क्रेडिट कार्ड कौन से हैं?

Credit cards are essential financial tools that provide convenience, security, and various benefits. Understanding the main types of credit cards and their features can help you make informed choices about which card to use. In this article, we delve into the four main credit cards, their networks, and related concepts to give you a comprehensive understanding.

Credit Card Networks

Credit card networks are the companies that process the transactions between merchants and card issuers. The four main credit card networks are:

  1. Visa
  2. Mastercard
  3. American Express
  4. Discover


Visa is one of the most widely accepted credit card networks globally. Known for its reliability and extensive merchant network, Visa cards offer various benefits, including rewards programs, travel perks, and fraud protection.


Mastercard is another major player in the credit card industry, providing extensive global acceptance and a range of card options. Mastercard benefits often include travel insurance, purchase protection, and access to exclusive events and offers.

American Express

American Express (Amex) is renowned for its premium cards that offer excellent rewards, travel benefits, and customer service. While Amex has a smaller acceptance network compared to Visa and Mastercard, it provides valuable perks for frequent travelers and high spenders.


Discover cards are known for their cashback rewards and no annual fee options. While Discover’s acceptance outside the United States is limited, it offers robust rewards programs and strong customer service.

What Credit Card is 4?

When referring to “What credit card is 4?” it often pertains to the first digit of the credit card number, which identifies the card network.

  • 4: Indicates a Visa card.
  • 5: Indicates a Mastercard.
  • 3: Indicates an American Express card.
  • 6: Indicates a Discover card.

What is the First 4 of a Credit Card?

The first four digits of a credit card number help identify the card network and the issuing bank. For example:

  • Visa cards typically start with 4.
  • Mastercard cards start with 5.
  • American Express cards start with 34 or 37.
  • Discover cards start with 6.

Best 4 Main Credit Cards

The best four main credit cards can vary based on individual needs and preferences. However, some popular choices include:

  1. Chase Sapphire Preferred® Card: Known for its travel rewards and flexible points system.
  2. Citi® Double Cash Card: Offers 2% cashback on all purchases (1% when you buy and 1% when you pay).
  3. American Express® Gold Card: Provides excellent dining and grocery rewards.
  4. Discover it® Cash Back: Features rotating 5% cashback categories and no annual fee.

4 Main Credit Cards in India

In India, the four main credit card networks are also Visa, Mastercard, American Express, and Discover. Some popular credit cards in India include:

  1. HDFC Bank Regalia Credit Card: Offers travel benefits and reward points.
  2. SBI Card ELITE: Known for its lifestyle privileges and movie ticket offers.
  3. ICICI Bank Coral Credit Card: Provides dining discounts and reward points.
  4. American Express® Membership Rewards® Credit Card: Offers rewards points and exclusive benefits.


Understanding the four main credit cards and their networks can help you make better financial decisions. Whether you prefer Visa, Mastercard, American Express, or Discover, each offers unique benefits tailored to different needs. By managing your credit cards responsibly and leveraging their advantages, you can enhance your financial well-being.

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