Best Credit Card in India Reviews & Analysis For 2017

Credit Card is the need of the hour.Everyone working or not working knows about the Credit card, But people have a very limited knowledge about them.Most of them are aware of the time limit(55 days) within which one has to pay back the amount spent by it. There are many factors related to it. Not many people know about those factors which could have forced you to buy a better credit card.

Almost all banks issue credit cards these days with variable limits depending upon the income of the person applying for it.Every Bank has different pros and cons related to their credit cards. Let us have a glimpse of the best credit cards in India before going into the details of every card.

Display PictureCharges AdvantagesDisadvantagesApply
American Express Platinum Reserve credit card
Joining-₹5000+Tax
Annual-₹10000+Tax
Welcome Gift of 10000 Bonus Reward Points
Cashbacks at Makemytrip.com
5 Star Hotel Privileges
Airport Lounge Access
3% Cashback on Fuel
Access to Golf Courses
Click Here For Details
Inadequate Welcome Offers in India
AMEX USA gives n number of vouchers as welcome offer
Apply Now
SBI Signature Credit Card
Joining-₹4999+Tax
Annual-₹4999+Tax
Airport lounge access at Domestic and International airports
Premium concierge services
Golf Courses Access
Complimentary Tickets at Bookmyshow
e-voucher worth ₹5000 as Welcome gift which can be redeemed at any one of them:
Shoppers Stop, Westside, Marks & Spencer, Jabong and Yatra
2.5% fuel surcharge waiver
Click Here For More Details
No Disadvantages Apply Now
Standard Chartered Visa Infinite Credit card
Nil Complimentary Airport Lounge Access (4 times per quarter)
Complimentary Movie Tickets at Bookmyshow
Free travel and medical insurance of up to USD 200,000
No Joining Perks Apply Now
HDFC Bank Regalia Credit Card
Joining-₹2500
Annual-₹2500
Complimentary Airport Lounge access,
Club Vistara Silver membership,
Discounts on dining at Partner 5 Star Hotels
Surcharge waiver on fuel purchases
Travel Concierge Assistance
Air Accident Compensation
High Reward points on purchases at partner merchants
No Attractive Welcome Offer
Limits in Fuel Spending per cycle
Apply Now
SBI Platinum credit card
Joining-₹2999
Annual-₹2999
e-Gift Voucher worth ₹3000
5X Reward Points on all Dining, Grocery, Departmental stores
2 Reward points for every Rs. 100 spent
Complimentary Domestic Airport Lounge Access & International Lounge Access at as low as $27
Access to more than 300 golf courses globally
2.5% fuel surcharge waiver
Platinum Card replacement anywhere in the world
No Disadvantages Apply Now

Best Credit Cards in India in 2017

  1. SBI Credit Cards
  2. American Express Credit Cards
  3. HDFC Bank Credit Cards
  4. Standard Chartered Bank Credit Cards
  5. ICICI Bank Credit Cards
  6. CitiBank Credit Cards
  7. Axis Bank Credit Cards
  8. HSBC Bank Credit Cards
  9. RBL Bank Credit Cards

Here were some of the best Credit Cards in India which you can opt for. Now Before going into the details of these credit cards, let us find out the basics of credit cards which one should know before applying for a credit card.

What is a Credit Card? What are its types?

A credit card is a normal plastic card like that of a debit card but has different values added to it.The credit card allows you make payment at different merchandises for your expenditure. It is more or less like a loan which you repay in a certain period of time which is 55 days for most of the cards. If you fail to repay the amount in the given time, there’s a certain percentage of interest which is added to the principle amount which is to be paid along with it. There is a defined limit to every card depending upon the type of card and your monthly income, you are bound to spend the amount in that limit only.There are different types of Credit Card which are listed below:

  • Standard Credit Card
  • Reward Credit Cards  –  Travel, Cashback, Points etc
  • Secured Credit Cards
  • Speciality Credit Cards

Standard Credit Card

Standard Credit Cards are the general credit cards which are prescribed a certain limit and you have to spend within those limits and pay them off within the given period of time. Standard Cards are issued to adults only, who have attained the minimum age of 18 years. There are no deposits needed in most cards and the limit is prescribed the banks itself looking at what category you fall in.

Reward Credit Cards

Some credit cards have some rewards gifted to you whenever you spend. These rewards do affect your spending because you spend more in order to get those perks rewarded to you. These rewards may be in different forms, they may come in points, discount or any gift. The points you get can again be utilised while you shop anything. The points might be used at any merchandise or while you travel. There are different types of perks depending upon the bank.

Secured Credit Cards

Secured Credit Cards are those cards which have a certain amount already deposited by the cardholder. The limit described in the card holder is generally 50%-100% of the amount deposited in the account while applying for the card. One can also keep an option to upgrade to a standard version of Credit Card which can be applied after some months of timely payments.

Speciality Credit Cards 

Specialty cards are mostly issued in terms of any partnership or affiliations with major brand retailers and service providers. Some cards also have a small portion being donated to some organizations for some noble causes.

Documents Required for Credit Card

  • PAN (Permanent Account Number) or a Letter from the Income Tax(IT) Department.
  • Identity Proof (ID) : PAN Card ; Driving License ; Voter ID ; Passport Copy ; Adhaar Card .
  • Address Proof : Any Government Bill ( Electricity , Telephone etc not older than 2 months ) ; Driving License ; Voters ID ; Passport ; Adhaar Card etc
  • Income Proof by the Bank. 

Difference Between Credit Card and Debit Card?

Keeping the differences aside in both the types of cards, these cards are a revolution in making payments in the most easier manner. The cashless transactions started after they were introduced. And in this era, people hardly carry any cash with them just because of these cards. Though they are much safer than carrying cash with us. No one can actually use them until they know the security codes of your code, which no one does. One of the basic difference between a Debit and a Credit card is that debit card debits the money from your bank account while you make a payment and a credit card makes a payment from the credit line which you are being awarded by the bank i.e. Credit Limit. The credit you borrow while making payments is repaid within a specific period of time.

 

                   Credit Card                         Debit Card  
Credit Card uses money from the credit line for payments Debit Card uses money from the Bank Account for payments
Transactions are based on the credit line Transactions are based on the money available in the account
Payments can be made in installments(EMI) Payments cannot be made in installments(EMI)
Frauds are possible Frauds are almost impossible

Who can apply for the Credit Card?

Not everyone can apply for the credit card.There are some income and expenditure rules fulfilled before being eligible to apply for the credit card. Every bank offers different rules and eligibility criteria for its customers to apply for the credit card.We’ll have a look at the conditions to be fulfilled while applying for a credit card when we will discuss about different credit cards.

Things to Keep in mind while applying for a credit card

  • Easy Application of the Credit Card.
  • Interest Rate charged on the amount if you fail to pay it on time.You should go for the one charging the least interest rates.
  • You should keep in mind about the annual fees and other charges being charged by the bank every year or half yearly.
  • Rewards and Offers on a credit card cannot be neglected as they are the main reason of your more and more purchases because more rewards drift you to more purchases.
  • The most important thing is the repayment of your purchases.It should be considered that how easy is the repayment process.You cannot afford to have a card which has a long and complex process to repay the spendings.
  • Last but not the least is the Customer Service.Customer Service is the most important part of the overall process for a credit card to sustain, the customers has to be satisfied by the service of the bank from the start till the end and so on.

Points to keep in mind while comparing Credit Cards

  • Offers on Travel Companies and Online Travel Bookings.
  • Offers on Entertainment such as movies, events, concerts etc.
  • Offers in Restaurants and Other dining.
  • Offers on Fuel Saving
  • Offers on Online Shopping and transactions
  • Cashback on Online Payments
  • Yearly Rewards Points and Gifts

Best Credit Cards in India 

SBI Credit Cards

There are a number of credit cards issued by the State Bank of India with different limits and offers.Every credit card has different benefits and rewards for its customers. First let us have a look at different credit cards offered by the State Bank Of India:

  • SBI Platinum Credit Card
  • SBI Signature Credit Card
  • SBI Simply Save Credit Card
Name of the Credit Card Joining Charges Annual Charges Welcome Gift Apply
  • SBI Platinum Credit Card
₹2999 ₹2999 Clothing Vouchers Worth ₹3000 Click Here
  • SBI Signature Credit Card
₹4999 ₹4999 One Way Indigo Airline Domestic Ticket or Vouchers Worth ₹5000 Click Here
  • SBI Simply Save Credit Card
₹499 ₹499 2000  Reward Points on Joining Which can be redeemed later Click Here

The Above table contains the best among all the credit cards being offered by the State Bank of India. There are some other cards being offered by the bank which are specifically dedicated to different categories like travel , apparels , IRCTC , FBB etc.

SBI Platinum Credit Card

Platinum card is one of the most loved cards of the customers.The annual fees of the credit card is ₹2999.There are some benefits of the card which are pointed below :

Benefits Of SBI  Platinum Credit Card

  • ₹5000 e-gift voucher from brands like Yatra, Hush Puppies /Bata, Marks & Spencer, Westside, Shoppers Stop.
  • 5x rewards points on dining , Groceries and all daily consumption items.
  • Complimentary Lounge access at all domestic airports.
  • International Lounge access worth $99 complimentary.
  • You can withdraw cash from more than 1 million ATMs worldwide.
  • Waiver of 2.5% surcharge on fuel for every ₹500-₹4000 spent.
  • SBI Auto Bill pay to pay bills every month automatically.
  • You can also pay outstandings of other bank’s credit cards.
  • You can get your card replaced anywhere in the world. In case you lose your card, Call at: 1860 180 1290 or 1800 180 1290, if calling from BSNL or MTNL phone.

Those who want to apply for this card , click here.

SBI Signature Credit Card

SBI Signature credit card is the most popular and most beneficial credit card of all being offered by the bank.The joining and annual fee of the credit card is ₹4999.Benefits of the credit card are as follows:

Benefits of SBI Signature Credit Card  

  • ₹5000 E-gift voucher on joining.
  • BookMyShow Voucher worth ₹500 every month.
  • 5x reward points on daily consumption items like grocery, dining etc.
  • 10,000 Bonus points on spending 2 Lakhs, 3 Lakhs and 4 Lakhs and 20,000 points on spendings exceeding 5 lakhs.
  • Special Concierge Service to help you in your travel booking , hotel bookings , gift delivery etc.
  • Visa Airport Lounge Access program allows you to access Visa Lounges at Domestic and International airports.
  • Cash Withdrawal at over 1 million ATMs worldwide.
  • Waiver of 2.5% surcharge on fuel for every ₹500-₹4000 spent.
  • SBI Auto Bill pay to pay bills every month automatically.
  • You can also pay outstandings of other bank’s credit cards.
  • You can get your card replaced anywhere in the world. In case you lose your card, Call at: 1860 180 1290 or 1800 180 1290, if calling from BSNL or MTNL phone.

Those who want to apply for this card, click here.

SBI Simply Save Advantage Credit Card

Simply saving credit card is one of the most economical credit cards offered by the SBI.The card does not offer much luxury but is efficient for the middle class of India.The Joining and annual fee of the credit card is ₹499. Let us have a look at the benefits of the Credit Card:

Benefits of Simply Save Credit Card

  • 10 Reward Points for every ₹100 Spent on dining , grocery etc.
  • International Acceptance of the card worldwide.
  • 2.5% surcharge waiver on fuel on spending of ₹500-₹3000.
  • If your spendings are more than ₹90,000 , annual fee is reversed into your account.
  • 1 reward point for every ₹100 spent by the card.
  • ₹100 cashback on first cash withdrawal done within 30 days after you receive the card.
  • It also empowers you one add-on card for any of the family member above 18 years of age.
  • Book Tickets from irctc.co.in and get them delivered at your doorstep.
  • You can also pay outstandings of other bank’s credit cards.
  • You can get your card replaced anywhere in the world. In case you lose your card, Call at: 1860 180 1290 or 1800 180 1290, if calling from BSNL or MTNL phone.

Those who want to apply for this card, click here.

American Express Credit Cards

Most Popularly known as Amex , American Express is an American Financial Company headquartered in New York, United States Of America. There are a number of Amex cards offered by the Company.Let us have a glance at the credit cards:

Name of the Credit Card Joining Charges  Annual Charges  Welcome Gift Apply
American Express® Platinum ReserveSM Credit Card ₹5000 ₹10000 11000 Bonus Points Click Here

2. American Express Membership Rewards® Credit Card

₹1000 ₹4500 1000 Bonus Points For 4 Transactions every month Click Here
American Express® MakeMyTrip Credit Card ₹750 ₹1500+Taxes Two MakeMyTrip Vouchers worth ₹1000 Click Here

The Above mentioned credit cards are the featured credit cards being offered by the American Express.There are some other cards also offered by the company for some specific purposes , but those are not for the masses and that is why they are less preferred. Let us have a brief discussion about the featured cards of American Express:

American Express® Platinum ReserveSM Credit Card

This is one of the featured Credit Cards of the American Express. The Annual Fees of the credit card is ₹10000 and joining fees is ₹5000.As not everyone is eligible to apply for a AMEX credit card, so Let us check the eligibility of the card holder :

Eligibility Criteria For AMEX Platinum ReserveSM Credit Card

  • User Should be 18 years and above.
  • Income should be more than 6 lacs per annum.
  • Should possess a account in any Indian or International Bank.
  • Permanent Residential Address in India.
  • No payment Defaults with good credit history.
  • Company should be trading for more than 12 months in case you are self employed.

Benefits of American Express Platinum ReserveSM Credit Card

  • Welcome Gift of 11000 Bonus points.
  • Get Cashback upto ₹10000 on MakeMyTrip.com
  • 3% Cashback for payments at fuel stations.
  • Privilage at Taj and Oberai Resorts and hotels.
  • Complimentary access to all American Express Airport Lounges– Domestic and International.
  • Health Benefits from Max Healthcare, Fortis Healthcare and Texas Medical Concierge.
  • Complimentary access to all the golf courses in India.
  • Heavy Discounts at Listed Partner Restaurants.

So if you already own a card and have incomes more than 6 Lakhs, Click here to apply.

1. American Express Membership Rewards® Credit Card

This is one of the featured credit cards of the American Express Family. The Joining fee for the card is ₹1000 and ₹4500 annual fee from the next year. Let us have a look at the benefits of the American Express Membership Rewards Credit Card:

Benefits of the American Express Membership Rewards Credit Card

  • 4000 bonus points awarded when you use the card thrice in first 60 days.
  • 1000 Bonus Points awarded if you do 4 or more transactions of ₹1000 or more.
  • 3% cash back at the fuel stations when you make payment with your AMEX credit card.
  • 5000 Membership Bonus Reward Points on renewal after one year.
  • Cashback on Makemytrip.com everytime you book through it.
  • 1 Reward point on every ₹50 spent on anything except Fuel, Insurance, Utilities and Cash Transactions.
  • Make big purchases and pay in easy installments or EMIs.

If you want to apply for this card, click here.

American Express® MakeMyTrip Credit Card

One of the most economic Credit cards in the AMEX family.The joining fee of the credit card is mere ₹750 and the annual charges of the card are ₹1500 plus taxes.So without wasting much time let us move to check the benefits of American Express® MakeMyTrip Credit Card:

Benefits of American Express® MakeMyTrip Credit Card

  • Welcome gift of two Makemytrip.com Vouchers worth ₹1000.
  • Get 3% cashback at fuel stations across India when paid with AMEX cards.
  • Discounted access at 14 Airports Lounges across India.
  • 5% cashback on bookings at makemytrip.com
  • Upto 70% cashback on hotel bookings done before 31 March 2017.
  • Get Makemytrip Voucher of ₹2000 when you spend 1.25 lacs and voucher of ₹5000 when you spend 2.5 lacs.
  • Get 2 reward points every time you spend ₹100.
  • You can get a add-on card by paying just ₹750 + taxes.

To apply for the American Express® MakeMyTrip Credit Card, Click here.

To know about other cards of the American Express Family, Click Here.

HDFC Bank Credit Cards

The best credit cards offer the best services for you and so as HDFC, one of the largest banks in India in terms of assets offers a number of credit cards to its customers.The credit cards are divided into different categories for different types of customers.Let us have a look at the credit cards of the HDFC Bank which offers the best benefits to people.

Name of the card Joining Fee Annual Fee Welcome Offer Apply Here
HDFC Regalia First Card ₹1000 ₹1000 No Joining Offer Click Here
HDFC Regalia Card ₹2500 ₹2500 No Joining Offer Click Here
HDFC Titanium Times Card ₹500 ₹500 Discount Vouchers on Joining Click Here

The above mentioned cards are the featured credit cards being offered by the HDFC Bank.They are the most common cards being applied by the customers of the HDFC bank as they offer the best benefits. So let us have a look at the featured cards of the HDFC Family.

HDFC Regalia First Card

Regalia First being the Premium cards of the HDFC Bank, offers benefits which have no comparison to others. The Joining and the annual charges of the card are ₹1000. Let us discuss the benefits of the credit card :

Benefits of the HDFC Regalia First Credit Card

  • Complimentary Airport Lounge Access via Prioritypass membership.
  • Redeem reward points for free air tickets.
  • Exclusive 15% off on dining at leading 5 star hotels.
  • 4 reward points for every ₹150 spent.(Maximum among all banks).
  • 0% surcharge on a minimum ₹400 spent on fuel.
  • 2x reward points(8 points) on ₹150 spent at www.hdfcbankregalia.com .
  • 5x reward points (20 points) on ₹150 at the stores below :
  • Lifestyle stores ,MakeMyTrip, Snapdeal, BigBasket,Niligiris and Easyday.

CLICK HERE TO APPLY

HDFC Regalia Credit Card

One of the luxurious card offered by the bank which offers heavy discounts on luxury which can be paid in installments. There are some unique benefits of the card which should be known to the ones who are looking for them. So let us discuss them :

Benefits of HDFC Regalia Credit Card

  • Complimentary Airport Lounge Access via Priority pass membership.
  • Complimentary Club Vistara Membership.
  • 15% discount on dining at partner 5 star hotels.
  • Travel Concierge Services to help you in your travel bookings and services related to it.
  • Earn 4 reward points for every ₹150 spent.
  • Lets elaborate the benefits of Club Vistara Membership:

~ 6 Reward points for every ₹100 spent.

~ Extra 5 Kg luggage for privileged members.

Click Here to Apply for the HDFC Regalia Credit Card.

Click here Check the Eligibility to apply for the card.

HDFC Titanium Times Credit Card

The Titanium Times Credit card is the best for people who enjoy their life and do all sorts of fun available. The Joining fee of the card is ₹500 and annual charges are as nominal as ₹500. Let us have a look at the best benefits of the Titanium Times Credit Card:

Benefits of Titanium Times Credit Card

  • 25% Discounts on Movies and 15% discounts on Dining at partner outlets.
  • Movie discounts of ₹1800 in a year.
  • Discount vouchers of different franchisees as welcome gift.
  • 2 RP on ₹150 spent and 5 RP on Dining on weekdays.
  • Fuel Surcharge waiver( maximum of ₹250 per cycle).
  • ₹4500 or more discounts in a year on dining.
  • Save upto ₹1500 in fuel transactions in a year.
  • 50 days credit facility with no interest.

Click Here To Apply For HDFC Titanium Times Credit Card.

Standard Chartered Bank Credit Cards

Standard Chartered is an UK bases financial company and a approved bank which is being headquartered in London. Standard chartered has also been functioning in Indian market for quite a long time and offers various banking services including its credit cards which are quite profitable for the costumers. Let us have a look at the best cards offered by the bank.

Name of the Card Joining Fees Annual Fees Welcome Offer Apply Here
Standard Chartered Platinum Rewards Nil                  Nil Heavy Rewards When you spend Click Here
Standard Chartered Manhattan Platinum ₹499 Nil(First Year)

₹999(From Second Year)

You Can Get the annual Fee Waived Click Here

Standard Chartered Platinum Rewards Credit Card

The card with no joining fee and no annual fee but you can only get the approval when you have a good CIBIL score. Let us discuss the benefits before applying this card.

Benefits of Standard Chartered Platinum Rewards 

  • Zero Joining Fee
  • Zero Annual Fee
  • 5 Reward Points on every ₹150 spent.
  • 20% cashback upto ₹600 on Uber rides.
  • Spend ₹150 on fuel and get 5 RP.
  • Get 1000 RP if you spend within 60 Days of card setup.
  • 25% discounts on spending above ₹999 on Jabong.

CLICK HERE TO APPLY

Standard Chartered Manhattan Platinum Credit Card

One of the most applied cards of the Standard Chartered family.The Joining Fee of the card is ₹499 and if you spend ₹30,000 or more in the first year, the annual fee for the second year is waived off. The Annual fee from the second year is ₹999 and you can waive it off by spending more than ₹60,000 or more. Let us read some benefits of the Manhattan Platinum Card:

Benefits of the Standard Chartered Manhattan Platinum Credit Card

  • 5% cashback on supermarket and Departmental stores.
  • 5x reward points on all spending other than this.
  • Cashback is eligible for spending above ₹1000.
  • 20% cashback upto ₹600 on Uber rides.
  • Get 1000 RP if you spend within 60 Days of card setup.
  • 500 RP for applying for net banking online.
  • 25% discounts on spending above ₹999 on Jabong.

CLICK HERE TO APPLY

There are some more credit cards being offered by the Standard Chartered Bank which are listed above in the table and you can have a look at the table and learn the basics.

ICICI Bank Credit Cards

Name of the Card Joining Fee Annual Fee Welcome Offer Apply Here
ICICI Bank Coral Credit Card ₹1000 + Taxes ₹500 + Taxes Tie From Provogue Click Here
ICICI Bank Platinum Chip Credit Card  ₹199 + Taxes  ₹99 + Taxes No Welcome Offer Click Here

ICICI Bank Coral Credit Card

This is considered the best Credit card as it offers the best cash rewards on your purchases.Let us have a look at the benefits of the credit card :

Benefits of ICICI Bank Coral Credit Card

  • 2x cash rewards on dining and groceries at departmental stores.
  • 2 complimentary airport lounge access every 3 months.
  • 2 complimentary movie tickets at Bookmyshow.com
  • 15% off on dining at partner restaurants through Culinary Treats Program
  • For Details : Visit www.culinarytreats.com.
  • 4 PAYBACK points on every ₹100 spent.
  • Each PAYBACK point = ₹.25

CLICK HERE TO APPLY

ICICI Bank Platinum Chip Credit Card

The mentioned Credit Card is one of the low value cards offered  by ICICI with a joining fee of ₹199 + Taxes and a annual fee of ₹99 + Taxes. Before deciding about anything, let us discuss the benefits of the ICICI Bank Platinum Chip Credit Card:

Benefits :

  • 2 Payback Points at every ₹100 spent except on fuel.
  • The card is considered more safe as it has a chip embedded in itself which has a PIN and cannot be cloned.
  • 2.5% Waiver of surcharge at fuel stations on payment of upto ₹4000 at HPCL fuel stations.
  • Cheapest Annual fees of ₹99+Taxes.
  • SMS “PLAT” to 5676766 to receive a call back.

CLICK HERE TO APPLY

CitiBank Credit Cards

CitiBank offers different categories of credit cards to its customers. People looking for Cashback also apply for it and people looking for some special purpose credit cards are also available. So let us discuss the best types of credit offered by the bank.

Name of the Credit Card Joining Fee Annual Fee Welcome Offer Apply Here
CitiBank Cashback Credit Card ₹500 ₹500 No Welcome Offer Click Here
CitiBank Premiermiles Card Click Here

CitiBank Cashback Credit Card

Benefits

  • 5% cashback on movies
  • 5% cashback on Telephone Bills
  • 5% cashback on utility bill payments
  • However the cashback in movies and bill payments is capped at ₹100 every month.
  • Use Savings Calculator and know how much you can save in a year.

CLICK HERE O APPLY 

CitiBank Premiermiles Card

Benefits

  • 10 miles for every ₹100 spent on airline transaction
  • Redeem those miles on domestic and international airlines
  • Earn 10 miles for every ₹100 spent on www.premiermiles.co.in or other partners
  • You can also transfer your miles to Citibank’s partner hotels and airlines.

CLICK HERE TO APPLY

Axis Bank Credit Cards

Name of the Credit Card Joining Fee Annual Fee Welcome Offer Apply Here
Axis Bank Insta Easy  ₹500  Nil Lots of Shopping vouchers Click Here
Axis Bank Pride Signature  Nil ₹500 Lots of Shopping vouchers Click Here

Axis Bank Insta Easy Credit Card

Axis Bank has one of the easy policies of getting a credit card.They offer huge discounts and vouchers for you to shop at your terms.Before apply for the same , let us have a quick view at the benefits we get on the Axis Bank Insta Easy Credit Card:

Benefits

  • 50 days time to repay your credits.
  • 100% cash withdrawal up to your credit limit.
  • You can increase or decrease your limit as per your requirement.
  • Avail Visa International Global Card Assistance Services and get immediate support at your card lost.
  • Platinum Chip Card is installed in your card so as to secure your payments.
  • 2.5% fuel surcharge off  on all fuel transactions ranging ₹400-₹4000(Limit = ₹400/Month).
  • eDGE Loyalty Rewards :
  •   6 points for every ₹200 spent (Domestic).
  •  12 points for every ₹200 spent (International).
  •  100 points on first online transaction.

CLICK HERE TO APPLY

Axis Bank Pride Signature Credit Card

One of the premium credit cards offered by the Axis Bank Family.There are no much documentation to apply for the card so before applying for it, here are some benefits you can get :

Benefits

  • Personalised card with Indian Tricolor on it.
  • Complimentary Lounge Access with your Axis Bank Pride Signature Credit Card at Indian Airports only.
  • Enjoy up to 20% discount at over 4000 partner restaurants.
  • 2.5% fuel surcharge waiver same as Insta Easy Credit Card.
  • Eligible to apply for Free Add-On Card for your family member.
  • EMV certified chip installed for safe and secure transactions.
  • eDGE Loyal Points
  •     8 points for every  ₹200 spent.
  •     100 Bonus points every month.

CLICK HERE TO APPLY

HSBC Bank Credit Cards

Name of the Credit Card Joining Fee Annual Fee Welcome Offer Apply Here
HSBC Visa Platinum Credit Card  Nil Nil 10% cashback for first 90 days* (Maximum ₹3000) Click Here
HSBC Advance Visa Platinum Card Nil  Nil 500 Bonus Points for updating Contact Details Click Here

HSBC Visa Platinum Credit Card

HSBC credit cards are good for people living in urban areas.The advantages of these cards are more applicable in urban areas than in rural ones.Let’s have a look at the benefits of the card:

Benefits

  • 2 RP for every ₹150 spent.
  • No Joining and Annual Fees.
  • 3x RP on Dining, Hotels and Telecom.
  • 5x RP on spending over ₹400000 up to ₹100000.
  • Movie Voucher of ₹500 on spending over ₹50,000 in a month.
  • 20% discount on partner restaurants and lounges.
  • 1 Movie Ticket on booking 2 tickets at Bookmyshow app..
  • 1 movie ticket free on booking one ticket through bookmyshow.

CLICK HERE TO APPLY

HSBC Advance Visa Platinum Card

The Card is again quite beneficial for people living in urban areas.Here some of the important benefits to know before you apply for it:

Benefits

  • 2 BP on every ₹150 spent.
  • 6 BP on every ₹150 for online spendings for first two years.
  • 10 BP on every ₹150 on crossing spenings of ₹4 Lakh in a year.
  • Get EXTRA points for every banking transactions.
  • You can redeem EXTRA points on spendings at Marriot, BookMyShow, Wills Lifestyle and Vodafone.

CLICK HERE TO APPLY 

RBL Bank Credit Cards

Name of the Credit Card Joining Fee Annual Fee Welcome Offer Apply Here

RBL Bank Icon Credit Card

Adjusted with the Annual Fee ₹5000 + taxes 20,000 Bonus Reward Points Click Here  
RBL Bank Platinum Maxima Card Adjusted with the Annual Fee                     ₹4000 + taxes  8,000 Bonus Reward Points Click Here

RBL Bank Icon Credit Card

A card that reflects your vibrant and charming personality.The card which makes you look rich and classy , which is ofcourse the need of the hour.Let us have a check at the benefits of the  RBL Bank Icon Credit Card:

Benefits

  • A welcome gift of 20,000 Bonus Reward Points If you pay joining fee in 60 days.
  • 1+1 Movie Ticket Twice a month at bookmyshow (₹200).
  • Premium wine or a yummy dessert at partner restaurants including ITC, Taj, Jaypee.
  • complimentary room upgrades, complimentary meals and other offers at partner hotels which includes Oberai , Four Seasons etc.
  • 2 RP for every ₹100 spent.
  • 2 free lounge visits at Major Domestic Airports.
  • Complimentary Lounge Visits at as low as $27/visit.
  • 24×7 dedicated Concierge Service.
  • Access to Major Gold Courses.

CLICK HERE TO APPLY 

RBL Bank Platinum Maxima Card

RBL Bank offers huge number of privileges with this Platinum Maxima Card which can be redeemed at different counters.Let us have a look at the benefits of RBL Bank Platinum Maxima Card :

Benefits 

  • Earn 8000 Reward Points by swiping your card in 60 days.
  • 2 RP for every ₹100 spent.
  • 5x rewards at Dining, fuel, entertainment and utility bills.
  • One movie ticket free on booking tickets at bookmyshow.
  • 2 visits per quarter cycle at domestic airports.
  • Adding up total benefits of ₹20,000 per year.
  • EMV chip installed in car for safe and secure transactions.
  • Flexi Limit: You can increase or decrease limit according to your need.

Not very much different from the Icon Credit Card

CLICK HERE TO APPLY

Reasons Why Your Credit Card Application Might get rejected ?

  • Income might not be sufficient enough to apply for the credit card and repay the credits.
  • Your Address might be a reason for not being allowed to apply for the credit card, banks have listed some areas where they do not provide these services.
  • Incorrect Information might be a reason for the rejection of your application.So, keep in mind to provide appropriate information to the bank.
  • CIBIL score might also be a reason for the same, some banks issue credit cards by looking at your CIBIL score.
  • Credit History: Maintaining a good credit history also helps in keeping a good record with the banks to help you avail better services in the future.

We hope to fulfill all the information regarding the credit cards available in the country. We have listed most of them in the table as well and also briefed about few of them to provide better and more information regarding the best cards in the country.Hope you are satisfied with the information and will help other by sharing the article to your friends as well.If you have more questions regarding Credit Cards in the country, just email us at hi@youmeandtrends.com(Our Official Email Address).