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January 19th, 2016, 02:21 PM
Super Moderator
 
Join Date: Mar 2012
Re: Best Credit Cards India

As you want to know about the best Credit Cards in India so here I am providing you the details:

1. ICICI Instant Platinum Credit Card – Good For Shopping
Features
– You can instantly get access to this card against the security of fixed deposit. The minimum fixed deposit is 20000 Rupees and has to be kept for at least 180 days.
– Charges for the overdue interest is 2.49% per month and 29.88% yearly. But interest will only be charged if you only make part payment or nil payment. If the outstanding has been paid in full you will not be charged any interest.
– Zero annual fee
– 2.5% fuel surcharge can be availed for transaction up to Rs 4000 at HPCL pumps
– It cannot be issued to minors and foreign nationals

2. Standard Chartered Platinum Rewards Credit Card
– Entry fee is Rs 399 and the first year you don’t incur any annual charges. But the second year you have to pay Rs 750 as renewal charges.
– Person applying for this card must earn a monthly income of 25000 Rs per month.

Advantages
– Customers can avail 5 points for every Rs 150 spent at specified dining restaurants.
– Avail 5 points for Rs 150 spent on fuel.
– Earn 5 reward points for every Rs.150 spent at hotels.
– No entry or annual charges if this credit card is applied online.
– You can also get 1500 reward points after first five transactions.
– This is a good credit card for people who dine out often.
– This is also a good credit card for corporates/companies who can give this card to employees who’d like to put their expenses on the card.

3. Standard Chartered Inner Circle Titanium Credit Card
Features
– Subscribers of this card get a discount voucher for Rs 2500.
– There is no admission fee and annual charges for this card.
– There is a 5% cash back at Auchan Stores.
– Points gathered can be redeemed at Lifestyle stores.


4. Citibank Platinum Credit Card – Good Credit Card for Travel
Features
– You can earn 1 point on every Rs 125 spent on the Citibank Platinum Credit Card.
– Special discounts on dining, entertainment and travel.
– You can know your credit card bills through the credit card statement sent through letter or email. You can also keep track of your account through CitiAlert.
– You can also opt for Click-an-EMI that allows you make your payments in easy installments.

5. Indian oil Titanium Citibank Credit Card
Features
– 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. I turbo point is equal to Rs 1 free fuel.
– You can earn 4 points for purchase of Rs 150 from establishments like Amazon, book my show, jabong.com, Samsung, myntra and many more.
– You can get 2 Turbo Points on every Rs.150 spent at groceries and supermarkets


6. SBI Gold Credit Card – Good card for paying utility bills
Features
– SBI Gold card provides you the privilege of meeting all your utility bills like electricity, insurance, telephone conveniently.
– Flexi pay option allows you make payments in simple installments on a monthly basis.
– E-statements will sent to your email account and the credit card status can be known form the mobile alerts.

7. Yatra SBI Credit Card – Good for Travel, Bill payments
Features
– SBI Yatra card is an international card that gives you many benefits.On joining you get a travel voucher Rs. 8,250 from Yatra.com
– It allows you to meet all your utility bills like electricity, insurance, telephone conveniently.
– Flexi pay option allows you make payments in simple installments on a monthly basis.
– E-statements will sent to your email account and the credit card status can be known form the mobile alerts.


8. HDFC Platinum Plus Credit Card
Features
– Subscribers of HDFC Platinum Plus Credit Card benefit Rs 250 as Fuel Surcharge Waiver.
– For every Rs 150 spent using this card you earn 2 reward points.
– No liability on losing the card
– This credit card provides you 50 days interest free credit commencing from the date of purchase.

9. HDFC Solitaire Credit Card
Features
– This card is exclusively designed for women and has a lot of deals for shopping.
– You get gift vouchers worth 1000 every 6 months from Shoppers Stop.
– Rs 250 off on fuel surcharge every billing cycle.
– The card also gives you 3 reward point on every Rs 150 spent.

10. IRCTC SBI Card
Features
– This card is designed exclusively for train travelers and is issued by Indian Railway Catering and Tourism Corporation Limited
– You earn 1 point for every Rs 125 spent.
– IRCTC SBI Card is accepted worldwide.
– All utility bills like telephone, electricity can be met through the IRCTC SBI Card


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