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Top 10 Credit Cards in India: Review

We would like to propel you all to the Credit Zone. Yes, we are talking about Credit Cards available in India. The card allows you to pay cash in advance for the goods you purchase. It is headed forward with the assurance of paying it back to the card issuer with some other charges agreed in terms and conditions applied. It is the long-term offering of advanced payment facility. Where interest is being charged later. Not the proportionate value of your money but at least some fraction can be included in your reward points in Reward based credit cards. Which later on serve you with a good amount. Depending on the discounts available, cashback Credit Cards serve you equally.

Here, We are intended to create awareness in the context of some of the renowned Credit Cards accessible in India. You can adhere to such cards as they are not devoid of various lucrative offers. The list displayed below includes both Cashback and Rewards giving Credit Cards.

 

  • American Express Membership Rewards Credit Card     
  • Standard Chartered Platinum Rewards Credit Card
  • Citibank Rewards Credit Card
  • ICICI Bank Platinum Chip Credit Card    
  • HDFC Bank Moneyback Credit Card
  • Standard Chartered Super Value Titanium Credit Card
  • City Bank Cash Back Credit Car
  • Standard Chartered Manhattan Platinum Credit Card
  • SBI Simply click Credit Card
  • SBI Simply Save Credit Card Benefits

 

American Express Membership Rewards Credit Card

It offers world-class services and lucrative rewards.

The benefits, you can get from American Express Membership Rewards Credit Card are alluring. With this ultimate Credit Card, you can enjoy a number of benefits and some catchy services.

You would reap the benefits of Some interesting Rewards:

Greeting Bonus:

When you get membership of this Credit Card, you will be rewarded with introductory bonus. Then you will be rewarded 4,000 Bonus Membership Rewards Points on using the Card 3 times within the first 60 days of having the Card membership.

Dining discounts:

This offers you 20% off on your dining bills if you eat at selected partners. So, eating out and paying through this Amex Membership Rewards Credit card can help save some of your hard-earned money.

Travel benefits:

Here you get Rs.2500 off for your first booking on Airbnb. Use that coupon to pay for your nearby accommodations on any budget and also explore other treasury places.

 

Standard Chartered Platinum Rewards Credit Card

This credit card is featured with no joining fees and no annual fees.

A Free Credit Card : 

In this card, you don’t have to pay any joining fee. Beside this, there is no annual fee for this credit card if you apply online for this credit card.

Online Application : 

The application procedure for this credit card is quite simple. Just apply online for some necessary information, then you will get a call from their customer support executive.

 Reward points : 

In this segment, you can get 5 reward points for every Rs.150 that you spend at dining outlets. you can earn 5 reward points for every Rs.150 spent at hotels. 5 reward points for every Rs.150 spent on fuel. 1 reward point for every Rs.150 spent on other categories.

Cashback offers: There are some cash back offers monthly or seasonal.

Quick Approval  : You will get approval statement for this Platinum Rewards Credit Card easily.

 

Citibank Rewards Credit Card

Citibank Rewards Credit Card is one of the famous Credit Cards availed by Citibank. You will experience the joy of shopping with exciting gift vouchers and reward points that can be redeemed easily. From the list of concession it provides, some of the stunning benefits are:

  • It does not charge any joining fee. Which makes it catchy offer for any credit card user.
  • Enjoy 1000 bonus reward points on your first spend When you shop within 60 days of card issue.
  • It is an international credit card that can be used in India as well as in abroad.
  • On traveling, you get Rs.3000 off on MakeMy trip accommodation bookings.

 

ICICI Bank Platinum Chip Credit Card

ICICI Bank Platinum Chip Card presents a reward scheme powered by PAYBACK i.e. India’s biggest loyalty programme. It can not be termed as cashback card directly. Payback points are given on numerous purchases.

Features:

  • 2 payback points on every Rs.100 purchase, except on fuel.
  • If you spend Rs.50000 yearly, your annual fee of Rs.99 for subsequent year will be relinquished.
  • 15% savings on your dining bills at over 2500 prominent partner restaurants.
  • Embedded chip featured credit card, that enhances safe transactions and hinder risk of fraud.

 

HDFC Bank Money back Credit Card 

The card mentioned above is commonly used for shopping. People who love do shopping prefer this Credit Card.

With HDFC Bank Credit Card, on spending Rs 150 earn 2 reward points. Besides this, if you shop online, you get 2X reward points. These points can be recovered as Cash Back on your Credit Card. The value of 100 Reward Points is equivalent to Rs. 30 for this card.

While choosing such cards, check their annual fee, cash back or reward points,  interest rate,  special offers being provided and any other additional benefits etc.

You can consider given points while choosing such cards:

  • Your needs
  • Your income
  • Your expenditure
  • Fee charged
  • Interest rate
  • Your lifestyle
  • Your usage

 

 

Standard Chartered Super Value Titanium Credit Card

Here, you can enjoy cash back on your telecom bills, utility bills and fuel.

Features :
Earn 5% cashback on fuel. Also enjoy the benefit of 2.5%  on additional charges and petrol pumps charges respectively.

  • 5% savings on utility bills.
  • Enjoy getting 5 % cashback on your telecom payments from all service providers.
  • For cash back amount, minimum transaction balance must be Rs 750.
  • When you spend Rs. 600 monthly on uber rides, you get 20% cash back on each ride.

It provides many interesting cash back offers, which makes it one of the leading Credit Cards available in India.

 

City Bank Cash Back Credit Card

You can easily pay utility bills with this credit card.

  • It gives 5% cash back on your utility bill payments like electricity bills.
  • It gives 5% cash back on telephone payments.
  • It gives 5% cash back on movie tickets.
  • 0.5% cash back on other amount spent.

When you spend at least Rs 100 on the categories displayed above, then only all these benefits are served to you.

 

Standard Chartered Manhattan Platinum Credit Card

You can get heavy cash back on grocery products with this Credit Card. You get 5% cashback if you shop for groceries from stores like Food Bazaar, Big Bazaar. etc.

Besides above-given cashback, you can also earn up to Rs.500 cash back monthly on Rs.150 per transaction. For that, firstly you will have to make a purchase of minimum Rs.1000 for availing this cashback scheme.

 

SBI Simply Click Credit Card

SBI has brought a range of Credit Cards. Some of them come with mind-boggling offers. SBI Simply Click Credit Card is featured with the following enthralling offers. This is really good for online shopping.

Employees with good salary are actually A to various SBI credit cards due to the token fee and number of seasonal discounts. The joining fee and fee charged annually is Rs.499, that is applied from 2nd year onwards. 

  • You can’t miss exciting e-vouchers based on your annual spending through this credit card.
  • When you spend on Amazon, Cleartrip, Foodpanda, BookMyShow, Lenskart etc.
  • On holding any of SBI cards, chances of availability of credit cards from other banks also improve.
  • Amazon gift voucher worth Rs.500 enhances its worth.
  • On all the online shopping, you can earn a 5X reward.

 

SBI Simply Save Credit Card Benefits

SBI Simply Save Credit card gives you of welcome offers, fuel surcharge waiver, annual fee waiver, other consolidated reward points or any other offer if available.

  • The yearly fee and renewal fee for this Credit Card is 499 only. And this charge is applied from second year onwards.
  • The interest-free credit period ranges normally from 20-50 days. And it is applicable only on the retail purchases.
  • It also provides you an introductory offer as cash back. Rs.100 cash back on your first withdrawal if the same is done within 30 days of receiving your credit card.
  • On spending Rs.2000 or more in the first 60 days of card issue, you can enjoy 2000 bonus reward points. These points can be redeemed in the form of exciting gifts later.

 

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