Best Credit Cards in India – Top 10 Credit Card 2024 You Can Choose
Introduction to Best Credit Cards in India: Choosing the right credit card in India is a crucial decision that can significantly impact your financial life. With a plethora of options available, it’s essential to select a card that aligns with your spending habits, preferences, and financial goals. In this guide, we’ll explore the top 10 credit cards in India for 2024, covering various categories such as cashback, rewards, travel, and premium offerings.
Table of Content
- Table of Content
- Here is the Latest List of Best 10 credit cards in India in 2024
- Axis Ace Credit Card – The Best Credit Cards in India That You Can Try
- Overview And Benefits
- Key Features and Benefits:
- Things to Consider:
- Top 9 Points to Read For Axis Ace Credit Card (Best Credit Cards in India)
- How to Apply:
- HDFC MoneyBack Plus Credit Card
- Top 10 Points to Read For HDFC MoneyBack Plus Credit Card (Best Credit cards in India)
- Flipkart Axis Bank Credit Card – Another Best Credit Card in India
- Top 10 Points to Read For HDFC MoneyBack Plus Credit Card (Top Credit Card in India)
- Amazon Pay ICICI Credit Card (Best Free Credit cards in India)
- Top 10 Points to Read For Amazon Pay ICICI Credit Card (Best Credit Cards in India)
- SimplyCLICK SBI Credit Card
- Top 10 Points to Read For Amazon Pay ICICI Credit Card (Top Credit Card in India)
- HSBC Cashback Credit Card (One of the Best Credit Cards in India For Cashbacks)
- Top 10 Points to Read For HSBC Cashback Credit Card (Top Credit Card in India)
- HDFC Regalia Credit Card (Best Credit Card For Travel)
- Top 10 Points to Read For HSBC Cashback Credit Card (Best Credit Cards in India)
- Amex MRCC – American Express Membership Rewards Credit Card
- Top 10 Points to Read For SBI Card Prime (Best Credit cards in India)
- SBI Card PRIME
- Top 10 Points to Read For SBI Card Prime (Best Credit cards in India)
- American Express SmartEarn™ Credit Card
- Top 10 Points to Read For American Express SmartEarn™ Credit Card (Best Credit card in India)
- Full Forms
- Our Finance Products
Here is the Latest List of Best 10 credit cards in India in 2024
- Axis Ace Credit Card (Best Credit Cards in India)
- HDFC MoneyBack Plus Credit Card
- Flipkart Axis Bank Credit Card (Best Cashback Credit Cards in India)
- Amazon Pay ICICI Credit Card
- SimplyCLICK SBI Credit Card
- HSBC Cashback Credit Card (Another Best Credit Cards in India)
- HDFC Regalia Credit Card (Best Credit Card For Travel And Insurance Support)
- Amex MRCC
- SBI Card PRIME (Best Credit Cards in India (Premium)
- American Express SmartEarn Credit Card
Axis Ace Credit Card – The Best Credit Cards in India That You Can Try
it offers the best rate of cashback up to 2% on every online and offline spending we do.
Charge | Description | Amount |
---|---|---|
Joining Fee | Applicable if spending of Rs. 10,000 within 45 days of issuance is not met | Rs. 499 |
Annual Fee | Applicable from the 2nd year onwards | Rs. 499 |
Annual Fee Waiver | Achieved by spending Rs. 2 lakh or more in a year | N/A |
Finance Charges (Retail Purchases and Cash) | Charged if minimum due is not paid by due date | 3.6% per month (52.86% per annum) |
Cash Withdrawal Fee | Minimum Rs. 500 or 2.5% of the amount withdrawn, whichever is higher | 2.5% |
Overdue Payment Penalty | Varies based on the outstanding amount | Rs. 500 – Rs. 1200 |
Late Payment Fee | Applicable if payment is delayed beyond the due date | Nil if total payment due is upto Rs. 500, Rs. 500-1200 for higher amounts |
Overview And Benefits
The Axis Ace Credit Card stands out as a compelling choice for individuals seeking a straightforward cashback credit card in India. With its attractive cashback rates on various transactions and additional perks, it has gained popularity among users. Here’s a detailed look at the key features and benefits of the Axis Ace Credit Card:
Key Features and Benefits:
- 2% Flat Cashback on All Transactions:
- Earn a flat 2% cashback on all your spending, regardless of the category.
- 5% Cashback on Bill Payments & DTH/Mobile Recharges on Google Pay:
- Enjoy a substantial 5% cashback on bill payments for electricity, internet, gas, and more, as well as DTH and mobile recharge when using Google Pay.
- 4% Cashback on Swiggy, Zomato & Ola:
- Avail 4% cashback on popular services like Swiggy, Zomato, and Ola, providing significant savings on food deliveries and transportation.
- 1% Fuel Surcharge Waiver:
- Save on fuel expenses with a 1% fuel surcharge waiver at all fuel stations across India.
- No Joining Fee:
- Apply for the Axis Ace Credit Card without any joining fee.
- Annual Fee of Rs.499 (Waived on Annual Spend of Rs.1 Lakh or More):
- While there is an annual fee of Rs.499, it can be waived if you spend Rs.1 lakh or more in a year.
- Complimentary Airport Lounge Access:
- Enjoy the luxury of domestic airport lounge access as a cardholder.
- Reward Points:
- Earn reward points on your transactions, offering flexibility in redeeming them for a range of gifts and vouchers.
Things to Consider:
Before applying for the Axis Ace Credit Card, it’s essential to be aware of certain details:
- Annual Fee Waiver: The annual fee is Rs.499, but it can be waived by reaching a spending threshold of Rs.1 lakh in a year.
- Fuel Surcharge Waiver Limit: There is a cap of Rs.500 on the fuel surcharge waiver per statement.
- Cashback Cap: The cashback is capped at Rs.10,000 per month.
Top 9 Points to Read For Axis Ace Credit Card (Best Credit Cards in India)
- Axis Ace Credit Card offers an attractive 2% flat cashback on all transactions, setting it apart in cashback offerings.
- Bonus 5% cashback on bill payments and DTH/mobile recharges through Google Pay adds extra savings to essential expenses.
- Avail a substantial 4% cashback on Swiggy, Zomato, and Ola, ensuring significant savings on food and transportation.
- Enjoy a 1% fuel surcharge waiver at all fuel stations across India, providing relief on fuel expenses.
- No joining fee makes applying for the Axis Ace Credit Card hassle-free, especially for new users.
- Conditional annual fee waiver: Spend Rs.1 lakh or more annually to waive the Rs.499 annual fee, offering flexibility.
- Complimentary domestic airport lounge access enhances the travel experience for cardholders.
- Earn reward points on transactions, providing flexibility in redeeming them for gifts and vouchers.
- Important details: Be mindful of conditions for annual fee waiver, the Rs.500 fuel surcharge waiver limit, and the monthly cashback cap of Rs.10,000.
How to Apply:
You can apply for the Axis Ace Credit Card through the official Axis Bank website. Additionally, If you want to check eligibility you can visit pricemint.in/credit-card and Apply now.
Read Full Review on Pricemint – Axis Bank Ace Credit Card Review
HDFC MoneyBack Plus Credit Card
It could be one of the popular CashPoints-based credit cards for use.
Feature | Details |
---|---|
Card Type | Rewards Credit Card |
Annual Fee | ₹500 |
Fee Waiver | Annual fee waived if annual spending exceed ₹50,000 |
Joining Fee | None |
Income Eligibility | Minimum monthly income of ₹25,000 |
Rewards and Cashback | All Spending – 1 CashPoint per ₹100 Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart Store – 10x CashPoints per ₹100 (capped at ₹250 per month per brand) |
EMI Transactions | 2 CashPoints per ₹100 |
Dining at Select Restaurants | Up to 15% discount |
Other Benefits | Accidental Death Cover – ₹2 lakhs Airport Lounge Access – 6 domestic + 6 international Fuel Surcharge Waiver – 1% |
Contactless Payment Enabled | Yes |
Reward Points Conversion | To airline miles or hotel bookings |
EMI Conversion on Large Purchases | Yes |
Additional Charges | Late Payment Fee – ₹100 + 2.5% of outstanding dues Over-limit Fee – ₹250 + 5% of over-limit amount Foreign Currency Transaction Fee – 2.5% Cash Withdrawal Fee – 2.5% + ₹100 |
Eligibility | Minimum Age 18 years |
Indian Resident | Yes, with valid PAN card and proof of address |
Minimum Monthly Income | ₹25,000 |
Additional Notes | Reward Points Validity 3 years Reward Points Redemption Limit 50,000 per calendar month Redemption for Vouchers/Products Up to 70% of the value of select vouchers/products |
Top 10 Points to Read For HDFC MoneyBack Plus Credit Card (Best Credit cards in India)
- HDFC MoneyBack Plus Credit Card, a Rewards Credit Card, is designed for daily expense rewards.
- Affordable annual fee: At ₹500, the card is cost-effective, catering to a diverse user base.
- Fee waiver incentive: Surpass ₹50,000 in annual spending for an annual fee waiver, encouraging regular usage.
- No joining fee hassles: Hassle-free application process with no joining fee for a seamless credit journey.
- Accessible income criteria: Minimum monthly income of ₹25,000, making it accessible to a wide range of individuals.
- CashPoints for all spending: Earn 1 CashPoint for every ₹100 spent, accumulating rewards for various expenses.
- High-earning categories: Enjoy 10x CashPoints in specialized categories like Amazon, Flipkart, Swiggy, etc., with a monthly cap.
- Additional rewards for EMI transactions: Earn 2 CashPoints per ₹100 on EMI transactions, offering extra rewards for installment payments.
- Dining discounts: Avail up to a 15% discount at select restaurants, enhancing the overall dining experience.
- Comprehensive benefits: From accidental death cover and airport lounge access to a fuel surcharge waiver and contactless payment options, the card offers a comprehensive suite of benefits.
Read the Full Review on HDFC Moneyback Plus Credit Card Benefits, Features, Limit
Flipkart Axis Bank Credit Card – Another Best Credit Card in India
It is one of the trending direct cashback-based credit cards that individuals loved.
Key Highlights | Description |
---|---|
Welcome Gift | The applicant will get ₹1,100 as a welcome benefit and additional benefits as a Flipkart voucher of ₹500 to ₹1000. |
Card Type | Low End/ Cashback Based Card |
Yearly Charges | The Yearly Charge is 500 Rupees And Additional Required Taxes. – it could be waived off if you use your card and spend up to 2 lakh annually. |
Joining Charges | It has a ₹500 Rupee Membership charge. it will be back as a Flipkart Voucher of ₹500. |
Cashback Offers | – The applicant will earn 5% cashback on every shopping from myntra and Flipkart and its daughter companies like Flipkart Refurbished online website. Above all, it has unlimited cashback on every spending. in simple words, it does not have any upper limit to earn cash back on shopping. |
Other Cashback | – It has a Facility to earn 4% cashback on spending on Flipkart partner sites like Swiggy, TATA Play, And Cleartrip. |
Other Purchasing Benefits | It offers a Flat 1.5% Unlimited Cashback on Any Online and offline Spending by using the card. |
Other Benefits | The card comes with several mind-blowing additional benefits like free 4 Airport Lounge Access, Up to 20% Dining discounts with partner Restaurants. 1% Fuel Discount on refueling and more. |
Eligibility | – Self Employed Income Up to ₹30,000 – Salaried Person Gross Monthly Income must be ₹15,000 or more |
Top 10 Points to Read For HDFC MoneyBack Plus Credit Card (Top Credit Card in India)
- Annual Fee: Rs. 499 (Waived off on spending Rs. 3.5 lakh or more).
- Cashback Rates: 5% on Flipkart, 4% on preferred merchants, 1.5% on other categories.
- Welcome Benefits: Rs. 500 Flipkart voucher, free movie tickets, and airport lounge access.
- Age Limit: 18 to 70 years.
- Minimum Income: Salaried – Rs. 18,000, Self-Employed – Rs. 25,000 per month.
- Cash Withdrawal Fee: 2.5% of the total amount (minimum Rs. 500).
- Fuel Surcharge Waiver: 1% for transactions Rs. 400 to Rs. 4,000.
- Additional Benefits: Accidental death insurance cover, Priority Pass membership.
- EMI Bounce Charges: 2% on EMI bounce.
- Eligibility Documents: Aadhar for address, PAN for identity, and income proof.
Read Full Review on Pricemint – Flipkart Axis Bank Credit Card Review
Amazon Pay ICICI Credit Card (Best Free Credit cards in India)
It is one of the accepted Almost no annual and joining charges-based credit cards that individuals loved.
Highlights | Description |
---|---|
Welcome Benefits | The card comes with offers up to ₹1600 welcome reward points benefits to the applicant |
Card Type | Low-level card for all Variety of spending |
Renewal/Joining Charges | It is Free for a lifetime USE. Above all, it has no joining fee too. |
Cashback | – If you Are an Amazon Prime member, Then You are Fully eligible to get 5% amazon pay cashback on every transaction by using the Amazon website. – However, If you are not a prime member, you are eligible for getting cashback up to 3%. |
Partner Sites | It provides you the facility to earn 2% cashback as a form of amazon pay balance on booking trains, hotels, and more from the amazon pay app. On Bill payments Too. |
Other Purchasing Benefits | The cardholder can get a Flat 1% Amazon pay balance based (Cash back) on spending anywhere even offline. |
Eligibility | – Self Employed Income ₹35,000 or more – Salaried Employee Salary must be ₹25,000 or more |
Top 10 Points to Read For Amazon Pay ICICI Credit Card (Best Credit Cards in India)
- Card Type: Rewards Credit Card with no Joining Fee or Annual Fee.
- Income Eligibility: Minimum monthly income of ₹18,000 for salaried and ₹25,000 for non-salaried individuals.
- Cashback Rates: 5% on Amazon.in for Prime members, 3% for non-Prime members, 2% at partner merchants, and 1% on other transactions.
- Rewards Flexibility: No limit or expiry date on rewards earned, usable for purchases on Amazon.in and partner merchants.
- Insurance Benefits: Complimentary life insurance covers up to ₹2 lakhs, along with free accidental death cover of ₹1 lakh.
- Special Rewards: 2X reward points on mobile recharges through Amazon Pay.
- Exclusive Access: Cardholders enjoy exclusive offers and discounts on Amazon.in and partner merchants.
- Additional Charges: Late payment fee of ₹100 + 2.5%, over-limit fee of ₹250 + 5%, 2.5% foreign currency transaction fee, and 2.5% + ₹100 cash withdrawal fee.
- Eligibility Criteria: Minimum age of 18, Indian resident with valid PAN card and proof of address, and specified monthly income requirements.
- Application Convenience: Instant activation upon approval, option for Video KYC, and no minimum spending required to earn rewards.
Read Full Review on Pricemint – Amazon Pay ICICI Credit Card Review
SimplyCLICK SBI Credit Card
if you looking for a low-end card for Online Shopping? Then Try SBI SimplyClick For Awesome Discounts on Deals
Key Points | Information |
---|---|
Welcome Gift | As A Welcome Gift, it offers an Amazon e-gift voucher Which is worth ₹500. |
Card Type | Entry-level/Low-End Type Card |
Annual Fee | For managing the card, it has a yearly charge of Rs. 499. |
For Join | For Getting The Card, it has charges of Rs. 499. However, it’s Reversible. if you spend more than 1 lakh in 1 year by using the card. it will be Reversed. |
Cashback | – The applicant can earn 10X Rewards Points on spending a few popular online websites like Lenskart, Amazon, BookMyShow, Cleartrip, and Netmeds. – By using the card in online stores, it provides the facility to earn 5 reward points by spending ₹100 or more on all other online transactions. |
Other Purchasing Benefits | it offers 1 reward point as a form of cashback on spending ₹100 or more at any other offline merchants. |
Eligibility | – Self Employed Income Up to ₹30,000 – Salaried Employee Salary must be ₹20,000 or more |
Other Benefits | – Contactless Technology – Enjoy Complete Fuel Freedom 1% off on all petrol stations. – For Smart EMI, You can convert your big purchases into easy monthly installments |
Top 10 Points to Read For Amazon Pay ICICI Credit Card (Top Credit Card in India)
- Card Type: Rewards Credit Card with variants: SimplyCLICK and SimplyCLICK Advantage.
- Annual Fee: ₹499, waived with annual spends over ₹1 lakh for both variants.
- Renewal Fee: Same as annual fee, with waiver conditions.
- Joining Fee: None.
- Income Eligibility: Minimum monthly income of ₹12,000.
- Rewards Rates: 5 Reward Points (2% cashback) on all online spending, 10 Reward Points (4% cashback) on select online partner brands, and 1 Reward Point (0.4% cashback) on other transactions.
- Fuel Surcharge Waiver: 1% on all fuel transactions.
- Other Benefits: Milestone rewards, ₹2 lakhs accident death cover, contactless payment, reward points conversion options, and EMI conversion.
- Additional Charges: Late payment fee, over-limit fee, foreign currency transaction fee, and cash withdrawal fee.
- Eligibility Criteria: Minimum age of 18, Indian resident with valid PAN card and proof of address, and minimum monthly income of ₹12,000.
HSBC Cashback Credit Card (One of the Best Credit Cards in India For Cashbacks)
If you looking for an entry-level credit card for savings extra and getting a good rate of cash back, the HSBC Cashback card could be a cool option to choose from.
Key Points | Information |
---|---|
Welcome Benefits | As A Welcome Gift, it offers Amazon, Big Basket, Myntra, and Ajio Gift Vouchers. – Amazon voucher ₹1000 Worth – 250 Voucher From Big Basket – Myntra Gift Voucher Which is around ₹1,500 (₹300 x 5 ) – Ajio Gift Vouchers Worth (₹3,000) |
Card Type | A Low-End New Cashback Card By HSBC |
Annual Fee | It has an annual charge of ₹999. It comes with a waived-off facility. If you use the card and spend up to 1 Lakh annually It will be waived off. |
For Join | It has no getting or joining charges |
Cashback | On Online Transactions, it offers 1.5% Flat Cashback on every spend. it has no upper limit to earning cashback on deals except the transfer of funds to an online wallet. |
Other Purchasing Benefits | This Low-End Card comes with a flat 1% Cashback on all other Transactions. |
Eligibility | Salaried Person Annual Salary must be ₹Rs. 4 Lakhs or more |
Other Benefits | – On Travel Benefits, it offers 3 Complimentary (Free OF Cost) Lounge Access in India or Outside in India. – 50% discount on first spending on Google Pay (upto 100 Rupees) |
Top 10 Points to Read For HSBC Cashback Credit Card (Top Credit Card in India)
- Card Types: Regular and Premier variants.
- Joining Fee: Regular – ₹999, Premier – ₹4,999 (refundable upon spending ₹6 lakhs in a year).
- Annual Fee: Regular – ₹999 (waived if annual spending exceeds ₹2 lakhs), Premier – ₹4,999 (waived if annual spends exceed ₹6 lakhs).
- Income Eligibility: Minimum annual income of ₹4 lakhs for salaried and ₹5 lakhs for non-salaried.
- Cashback Rates:
- Regular: 10% cashback on dining, food delivery, and groceries, 1.5% unlimited cashback on other spends.
- Premier: 15% cashback on dining, food delivery, and groceries, 2% unlimited cashback on other spends.
- Additional Benefits: Complimentary lounge access, milestone rewards for Premier, dining discounts, accident death cover, contactless payment, and reward points conversion options.
- Cashback Caps: ₹1,000 per month for Regular, ₹1,500 per month for Premier.
- EMI Transactions: Cashback applies as per spending category.
- Additional Charges: Late payment fee, over-limit fee, foreign currency transaction fee, and cash withdrawal fee.
- Eligibility Criteria: Minimum age of 18, Indian resident with valid PAN card and proof of address, and minimum annual income requirements.
HDFC Regalia Credit Card (Best Credit Card For Travel)
If you want a premium level Type Credit card that Provides Facility a lot of international travel Benefits and insurance support at low charges. HDFC Regalia Credit Card could be an amazing option to choose from.
Key Points | Information |
---|---|
Welcome Gifts And Offers | As A Welcome Offer, it offers 2500 Reward Points (If the applicant did pay membership fees then No Welcome Benefits will get.) |
Card Type | A Premium Level Type Card By HDFC |
Annual Fee | ₹2,500 Will be the Annually Fee |
For Join | To Getting And Joining The Card Membership, It has a fixed Joining Fee of Rupee ₹2,500 And taxes. |
Cashback | On retail shopping, it offers to earn 4 reward points as a cashback on every spending of ₹150 or more. |
Other Purchasing Benefits | On Refueling in India, it offers 1% discounts on all stations. |
HDFC Benefits | – 2% Foreign Currency Markup – Revolving Credit – Zero lost card liability |
Eligibility | – Self Employed Annually Income Up to ₹12 Lakh – Salaried Person Gross Monthly Income must be ₹₹1 Lakh or more |
Other Benefits | – The applicant can get 12 Free (Complimentary) Domestic Airport Lounge Access. Additionally, You also get 6 Free Cost International Lounge Access To Use Outside India. – It provides the facility to card holders of more than 1 crore rupees Insurance cover on Air accident death – it offers a flat 25% Discount at Famous more than 2000 premium restaurants in Indian cities. |
Milestone Gifts | As A Bonus gift, it offers 10,000 Reward Points on spending more than 5 lakhs in the anniversary year. Above All, Additional 5000 reward points for spending up to 8 lakh in the same year. |
Top 10 Points to Read For HSBC Cashback Credit Card (Best Credit Cards in India)
- Reward Points: Earn 4 points for every ₹150 spent, redeemable for travel, dining, and shopping rewards.
- Welcome Bonus: Get 10,000 bonus points on spending ₹5 lakhs, and an extra 5,000 on spending ₹8 lakhs annually.
- Milestone Benefits: Reach spending milestones for additional rewards, like 5,000 points for ₹3 lakhs spent.
- Airport Lounge Access: Enjoy complimentary access to 1,000+ lounges globally, including domestic and international options.
- Travel Insurance: Avail up to ₹1 crore in travel insurance for flights or hotel bookings made with the card.
- Dining Benefits: Access discounts and special offers at various restaurants.
- Movie Tickets: Receive discounts on movie tickets when booking with the HDFC Regalia Credit Card.
- Annual Fee: The card carries an annual fee of ₹3,999.
- Ideal for Travelers: Suited for frequent travelers who spend on dining and entertainment.
- Considerations: The rewards program is competitive but not as generous as some other premium cards; the annual fee is relatively high.
Read Full Review on Pricemint – HDFC Regalia Credit Card Review
Amex MRCC – American Express Membership Rewards Credit Card
if you are looking for an Amex Entry level type card for better convenience, Membership Rewards Credit Card Could be a better option to choose from.
Key Points | Information |
---|---|
Welcome Benefits | As A Welcome Reward, It offers 4,000 Bonus Membership Rewards® Points it is only valid when you pay all joining and annual fee. |
Card Type | And Low-END Or Entry level Type |
Annual Fee | The card offers a ₹1,000 rupee annual charge for the first year after that, in the second-year annual charges will be a fixed rate of ₹4,500 and taxes. |
For Join | To Join and get the card, it has to join a fee of ₹1,000 and GST. In Few Offers, It could be free Sometimes. |
Cashback | The applicant can earn 1 Membership Reward® Point on the spending of ₹50 or more. However, it is not valid for spending on Cash Transactions, refueling, Insurance, Utilities, and EMI. |
Other Purchasing Benefits | 1 MR Point |
Eligibility | – Self Employed Annual Income ₹6 Lakhs and above – Salaried Employee Annual Salary must be ₹Rs. 6 Lakhs or more |
Other Benefits | – This Amex card holder can get up to a 20% discount on Dining. – Zero Lost Card liability – Contactless Payment – AMERICAN EXPRESS EMI |
Milestone Gifts | – The cardholder can earn 1,000 Membership Rewards points on spending ₹20,000 or above in a calendar month. – The cardholder can get more than 5,000 Membership Rewards Points upon First Year Card Renewal |
Top 10 Points to Read For SBI Card Prime (Best Credit cards in India)
- Earning Points: Get 1 Membership Rewards point for every dollar spent with bonus points on specific categories like flights and select car rentals.
- No Spending Cap: Earn points without a cap on spending.
- Redeeming Points: Transfer to airline and hotel loyalty programs, book travel through Amex Travel, or redeem for gift cards, including Amazon and Apple.
- Welcome Bonus: Enjoy a welcome bonus of up to 50,000 points (varies with offers).
- Global Assist: Receive Travel Accident and Baggage Insurance through Global Assist®.
- Purchase Protection: Benefit from Purchase Protection and Extended Warranty perks.
- Complimentary Access: Access exclusive events, tours, and activities with American Express Experiences.
- Annual Fee: The annual fee is $95.
- Foreign Transaction Fees: No foreign transaction fees, a plus for frequent travelers.
- Comparison: While flexible, compare with other premium cards for features like higher welcome bonuses and points-earning potential.
SBI Card PRIME
If you want a mid-level card for better convenience in Travel, shopping, And rewards. SBI Card PRIME could be an awesome card to try-
Key Points | Information |
---|---|
Welcome Benefits | As a Welcome Benefit, it offers E-Gift Voucher that you can redeem on Popular Brands Like Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com |
Card Type | Mid-level Type Card By State Bank of India |
Annual Fee | it has an annual charge of ₹2,999 which could be Waived Off if you spend more than 3 lakh in 1 year by using the card. |
For Getting | To Getting And Joining the membership of the card, It has a Fixed fee of ₹2,999. |
Cashback | The card comes with cashback as a form of reward points. on spending ₹100 or more on Dining, Groceries, Movie Tickets, And More. You can earn 10 reward points on every purchase. |
On Your Birthday | The card offers a facility on your birthday to earn 20 reward points on spending ₹100 or more |
Other Purchasing Benefits | – For Other Spends, it offers 2 reward points for each purchase of ₹100 or above on all other retail purchases |
1 Reward Points | ₹0.25 |
Eligibility | – Self Employed Income Up to ₹80,000 – Salaried Person Gross Monthly Income must be ₹60,000 or more |
Other Benefits | – For Travelling Benefits, It offers 4 International And 8 Domestic Complimentary (Free) Lounge Access at Airport. – It offers a free cost Membership of Club Vistara Silver – Also, it also provides free membership of Trident Privilege Red Tier |
Multiple Milestone Gifts | – When You achieve your spending milestones, it offers a Gift voucher worth ₹1,000 from Pizza Hut. For Spending more than 50,000 in a calendar quarter. – If you annually spend 5 lakh or Above, it provides you a gift voucher of ₹7000 That you can redeem on the Yatra or Pantaloons website. |
Top 10 Points to Read For SBI Card Prime (Best Credit cards in India)
- SBI Prime Advantage Credit Card: Earn 2 Reward Points per Rs. 100 on retail purchases (excluding fuel).
- Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharge for transactions between Rs. 500 and Rs. 4000, capped at Rs. 250 per month.
- Annual Fee: Rs. 2,999 + taxes for general-purpose SBI Prime Advantage Credit Card.
- Club Vistara SBI Card PRIME: Earn 4 Reward Points per Rs. 100 on Vistara tickets and access to Vistara lounges.
- Travel and Dining Rewards: 2 Reward Points per Rs. 100 on other travel and dining spends.
- Welcome Bonus: Receive a welcome bonus of 2,000 Vistara Club Points.
- Max SBI Card PRIME: Earn 5 Reward Points per Rs. 100 at Landmark stores.
- Retail Purchases: Get 1 Reward Point per Rs. 100 on other retail purchases.
- Milestone Bonus: Receive bonus points based on annual Landmark spends.
- Lifestyle Home Centre SBI Card PRIME: Offers benefits for Lifestyle Home Centre shoppers, similar to Max SBI Card PRIME.
American Express SmartEarn™ Credit Card
It is one of the Reward Points based Low-End credit cards by American Express
Key Points | Information |
---|---|
Welcome Gift | As A Welcome Gift, it offers ₹500 cashback, it is only eligible if you spent ₹10,000 or more starting 90 days. |
Card Type | Low-END Amex card |
Annual Fee | ₹495 is fixed annual charges Additional GST Taxes will be applied. – It will be Waived off If you spend more than 40,000 in the previous year. |
Cashback | – The applicant will eligible to get 10X Membership Rewards on spending on Flipkart, Amazon & Uber. – It offers the facility to earn 5X Membership Rewards on spending from the sites like Jabong, Grofers, Big Bazaar, and Paytm Wallet. |
Other Purchasing Benefits | The cardholder can get 1 Membership Rewards Point for purchasing ₹50 or more. |
Eligibility | – Self Employed Annual Income Up to 6 lakhs – Salaried Person Gross Annual Income must be ₹4.5 lakhs or more |
1 Reward Points | It depends on Companies to Companies when you redeem the Points. it could be around ₹ 1, ₹0.75, or ₹ 0.25. |
Other Benefits | – Zero Lost Card Liability – 24X7 Card Related Assistance – Smart EMI – Emergency Card Replacement |
Top 10 Points to Read For American Express SmartEarn™ Credit Card (Best Credit card in India)
- Card Type: Rewards Credit Card.
- Annual Fee: ₹495 + taxes (from the first year).
- Rewards: 10x points on Amazon, Flipkart, Uber, etc. (capped at ₹250 per brand per month), 5x on other online spending, and 1x on offline spending.
- Welcome Bonus: 500 points on the first transaction, ₹500 cashback on ₹10,000 spent in the initial 90 days.
- Renewal Fee Waiver: Annual fee waived on ₹40,000+ spent in the previous year.
- Milestone Vouchers: ₹500 vouchers at spend milestones.
- Additional Benefits: Complimentary Membership Rewards® Gold, accident insurance up to ₹2 lakhs, Global Assist hotline (24/7 assistance).
- Eligibility Criteria: Minimum age 18, Indian resident, varying minimum income.
- Redemption Options: Points valid for 3 years, usable for travel, shopping, and more.
- Validity and Charges: Different reward rates for some brands, and additional charges apply.
Full Forms
Content | Description |
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What is The Full Form of NPCI in Banking? | Are you curious to know what NPCI stands for and what it does? |
What is The Full Form of IMPS In Banking? | Are you curious about what IMPS stands for in banking? |
What is The Full Form of BHIM | Are you wondering what the BHIM full form in Indian banking is? |
MSME Full Form in Banking | Are you looking to understand the MSME full form in India? |
What is the Full Form of NBFC in India? | Are you looking to understand the full form of NBFC in banking? |
What is the Full Form of LIC? | Are you wondering what LIC stands for OR Full Form? |