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Federal Scapia Credit Card

Federal Bank Scapia Credit Card

Annual Charges - Nil

The Federal Bank Scapia Credit Card, a traveler's companion, offers unlimited domestic lounge access, 10% Scapia coins on all spending, 20% on travel bookings through Scapia app, and zero forex markup. With no joining or annual fees, it's a rewarding, cost-effective choice for travel enthusiasts seeking seamless experiences.

Unlimited Lounge Access: Federal Scapia Credit Card provides cardholders with unlimited access to domestic airport lounges when they spend a minimum of Rs. 5,000, enhancing their travel experience.
Scapia Coins Rewards: Cardholders earn 10% Scapia coins on all online and offline spending, with an additional 20% Scapia coins on travel bookings made through the Scapia app.
Zero Forex Markup: This card doesn't charge any forex markup fees on international transactions, making it an excellent choice for global travelers.
No Joining or Annual Fees: With no joining or annual fees, it offers a cost-effective way to enjoy travel benefits.
In-App Redemption: Scapia coins can be instantly redeemed for flights and hotel bookings through the Scapia app, providing flexibility and convenience.

Fee Type	Amount
Joining Fee	Nil
Annual Fee	Nil
Card Replacement Fee	Rs. 200
Forex Markup Fee	Zero

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IndusInd Bank Platinum Credit Card

Annual Charges - Rs. 3,000 (Nil, if applied via Pricemint)

The IndusInd Bank Platinum Credit Card is your gateway to a world of premium privileges. Enjoy concierge services, travel benefits, and 1% surcharge waiver on fuel purchases. Get welcomed with EazyDiner vouchers and Luxe Gift Card access. With personal air accident insurance and various insurance benefits, it's your key to a secure and elevated lifestyle.

LIFETIME FREE CARD - No Joining Fees | No Annual Fees
Earn 1.5 Reward Points (1 Reward Point= Rs 0.65) on every Rs 150 spent
Great discounts on Ajio, Swiggy, PVR, Lifestyle, EazyDiner and more!
1% fuel waiver charge on all petrol pumps across India
Get complimentary ICICI Lombard Travel insurance under the Platinum Travel Plus
Complimentary personal air accident insurance cover of up to Rs 25 lakhs

Joining Fee	Rs. 3,000 (Nil if applied via Pricemint)
Annual Fee	Nil
Fuel Surcharge Waiver	1% on fuel transactions between Rs. 400 and Rs. 4,000
Zero Liability Insurance	Covers unauthorized transactions prior to loss reporting, up to 48 days
Personal Air Accident Insurance	Cover of Rs. 25 lakhs
Insurance Benefits	Coverage for lost baggage, delayed baggage, loss of passport, lost ticket, and missed connection

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Axis Privilege Credit Card

Annual Charges - Rs. 1,500+GST (nil for Axis Burgundy Customers)

The Axis Bank Privilege Credit Card offers cardholders an array of benefits, including an activation benefit of Rs 5,000 in Multi Brand vouchers, milestone rewards of Rs 5,000 vouchers upon spending Rs 2.5 lakhs, and 8 complimentary lounge accesses at domestic airports. Experience a world of privileges with Axis Bank.

Welcome the benefit of 12500 EDGE points worth Rs 5,000 during redemption
Spend Rs 2.5 lakhs in a year to get 2X returns on your EDGE points
2 free lounge visits per quarter at select domestic airports
Premium experiences with Axis' Extraordinary Weekends
20% off at partner restaurants in India
6 complimentary rounds of golf
8 complimentary lounge access at selected domestic airports

Joining Fees	Rs 1,500 + GST
Annual Fees	Rs 1,500 + GST
Interest Rate	3.6% per month (49.36% per annum)
Cash Withdrawal Charges	2.5% or Rs 500 (whichever is higher)
Card Replacement Charges	Nil

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SBI Card ELITE

Annual Charges - Rs.4,999 + Taxes

The SBI Card ELITE is a versatile premium card with diverse benefits spanning travel, dining, movies, rewards, and more. It caters to high spenders, offering substantial rewards and milestone perks, including Rs. 6,000 worth of annual movie tickets, exceeding its Rs. 4,999 annual fee. Complimentary lounge access, low forex fees, and Club Vistara membership further enhance its appeal.

Generous Welcome Gift: SBI ELITE offers a welcome e-Gift Voucher worth Rs. 5,000 for various travel and lifestyle brands.
Complimentary Movie Tickets: Enjoy free movie tickets worth Rs. 6,000 annually, perfect for cinephiles.
Milestone Rewards: Earn up to 50,000 Bonus Reward Points, valued at Rs. 12,500 per year, by achieving spending milestones.
5X Reward Points: Get 5X Reward Points on Dining, Departmental stores, and Grocery Spends, making everyday purchases more rewarding.
Lowest Forex Markup: Benefit from a low foreign currency markup charge of 1.99% on international transactions and earn 2 Reward Points on every Rs. 100 spent internationally.

Annual Fee (One Time)	Rs. 4,999
Renewal Fee (Per Annum)	Rs. 4,999
Finance Charges (Monthly)	Up to 3.50% (42% per annum)

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Axis Bank Ace Credit Card

Annual Charges - Rs. 499

The Axis Bank ACE Credit Card is a cashback credit card offering 5% cashback on bill payments and DTH/mobile recharges through Google Pay, 4% cashback on Swiggy, Zomato, and Ola, and 2% cashback on all other expenditures. It includes benefits like fuel surcharge waiver, complimentary lounge access, and a low annual fee, making it an attractive choice for efficient rewards.

Versatile Cashback Rewards: Earn up to 5% cashback on bill payments, DTH/mobile recharges, and dining, simplifying your expenses.
Fuel Savings: Enjoy a 1% fuel surcharge waiver on all fuel purchases, with potential savings of up to Rs. 500 per statement cycle.
Airport Lounge Access: Receive 4 complimentary domestic airport lounge visits annually for a touch of luxury during travel.
Low Annual Fee: Benefit from valuable rewards and perks with an affordable annual fee.
OTT Entertainment: Get a complimentary SonyLiv annual membership for entertainment on the go.

Joining Fee	Rs. 499 (Waived on spends over Rs. 10,000 within 45 days of card issuance)
Annual Fee (2nd year onward)	Rs. 499 (Waived on annual spends over Rs. 2,00,000)
Finance Charges (Retail purchases and Cash)	3.6% per month (52.86% per annum)

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MoneyBack Credit Card

HDFC Bank MoneyBack Credit Card

Annual Charges - Rs. 500

The HDFC Bank MoneyBack Credit Card offers instant cashbacks on all purchases, making it a rewarding choice. Eligible for individuals with a monthly income above ₹25,000, it provides 2X Reward Points on online spending, dining privileges, and a 1% fuel surcharge waiver. Plus, enjoy zero lost card liability and up to 50 days of interest-free credit.

Double Rewards: Earn 2X Reward Points on online spending.
Fuel Savings: Enjoy a 1% fuel surcharge waiver.
Zero Liability: Benefit from zero lost card liability.
Dining Delights: Access exclusive dining privileges with Good Food Trail.
Rewarding Milestones: Earn quarterly gift vouchers up to ₹2,000.

Joining Fee	Rs. 500
Annual Fee	Rs. 500
Finance Charges (Interest Rate)	3.6% p.m. (43.2% p.a.)
Reward Type	CashBack
Late Payment Fee	Between Rs. 400 to Rs. 1300 depending on overdue

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Axis Bank Select Credit Card

Annual Charges - Rs 3000 (NIL for Burgundy)

The Axis Select Credit Card delivers a premium lifestyle experience with exclusive online discounts on food and groceries, complimentary Priority Pass lounge access, and free rounds of golf. It also offers 10,000 EDGE REWARD points and assorted lifestyle perks. While it has joining and annual fees, they're waived for Burgundy customers. Be mindful of finance charges, cash withdrawal fees, and cash payment fees.

Exclusive Discounts: Enjoy special online discounts for food and groceries.
Priority Pass Access: Access complimentary Priority Pass lounges at various locations.
Golf Rounds: Get free rounds of golf at select courses.
10,000 EDGE REWARD Points: Earn rewards for your spending.
Fees Waived for Burgundy Customers: Joining and annual fees are waived for Burgundy account holders.

Standard Joining Fee	Rs 3,000 (NIL for Burgundy)
Standard Annual Fee (2nd Year Onwards)	Rs 3,000 (NIL for Burgundy)
Standard Add-on Card Joining Fee	NIL
Standard Add-on Card Annual Fee	NIL
Finance Charges (Retail Purchases & Cash)	3.6% per month (52.86% per annum)
Cash Withdrawal Fees	2.5% (Min. Rs 500) of cash amount
Fee for Cash Payment	Rs. 100

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Axis Vistara Infinite Credit Card

Axis Vistara Infinite Credit Card

Annual Charges - ₹10,000 + GST

The Axis Vistara Infinite Credit Card is tailored for premium travelers who prefer Vistara Airlines. It offers complimentary business class flights, Club Vistara Gold membership, and golf privileges. While it lacks international travel perks, its generous rewards and benefits make it a top choice for domestic business-class travelers in India.

All the Cashback that you earn using Axis Vistara Infinite Credit Card, can be deducted from your credit card statement, just like real money
Complimentary Business Class domestic Vistara flight ticket
Complimentary Club Vistara Gold membership
Upto 4 free Business Class domestic tickets on milestone spends
2 free lounge visits per quarter at select domestic airports
6 complimentary rounds of golf
6 CV Points per Rs. 200 spent across all categories

Joining Fees	₹10,000 + GST
Annual Fees	₹10,000 + GST
Interest Rate (APR)	3.6% per month (52.86% per annum)
Cash Withdrawal Charges	2.5% or ₹500, whichever is higher
Card Replacement Charges	Nil

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SBI SimplySAVE Credit Card

Annual Charges - Rs. 499

The SBI SimplySAVE Credit Card is an excellent choice for individuals seeking rewarding benefits without high annual fees. With 10X reward points on dining, movies, and more, along with fuel surcharge waivers, it's perfect for everyday spending. The card offers a welcome cashback, contactless payments, and flexible EMI options, making it a valuable addition to your wallet.

10X Rewards: Earn high reward points on dining, movies, and more.
Welcome Cashback: Get cashback on your initial ATM withdrawal.
Fuel Savings: Enjoy a fuel surcharge waiver for economical commuting.
Contactless Convenience: Make secure and swift contactless payments.
EMI Flexibility: Convert significant purchases into manageable EMIs.

Annual Fee	₹499 per year (reversed if annual spending > ₹1,00,000)
Renewal Fee	₹499 per year from the second year onwards
Add-on Card Fee	Nil
Finance Fees (Interest)	3.50% per month (42% annually)
Late Payment Fee	Varies based on the total overdue payment

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IRCTC HDFC Bank Credit Card

Annual Charges - Rs. 500 + GST

The IRCTC HDFC Bank Credit Card offers a host of travel and spending benefits, including a welcome voucher of Rs 500, 5 Reward points for every Rs 100 spent on IRCTC platforms, 1 Reward point on other spends, and a 5% Cashback on train ticket bookings. Enjoy annual fee waivers, fuel surcharge waivers, and exclusive lounge access. With easy eligibility and document requirements, it's an ideal card for frequent travelers and savvy spenders.

Welcome voucher worth Rs 500 on card activation within the first 37 days of card issuance
5 Reward points for every Rs 100 spent on IRCTC ticketing website & Rail Connect App
1 Reward point on every Rs 100 spent on all other spends
Additional 5% Cashback on train ticket bookings via HDFC Bank SmartBuy
Get lucrative vouchers on meeting minimum monthly spending criteria
Annual fee waiver on annual spends of Rs 1,50,000 or more
8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter)
1% fuel surcharge waiver (up to Rs 250) at all fuel stations across India (Transactions of Rs 400 - Rs 5,000)
Upto 50 days of interest-free period on your IRCTC HDFC Bank Credit Card from the date of purchase
Revolving Credit available at a nominal interest rate
Credit Card to UPI - The HDFC IRCTC Credit Card can be linked to your UPI

Annual Fee	Rs. 500
Renewal Fee	>Rs. 500 (Waived off on spending Rs. 1.5 lakh in previous year)
Finance Charges	3.6% p.m. (or 43.2% p.a.)

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SBI SimplyCLICK Credit Card

Annual Charges - Rs. 499

The SimplyCLICK SBI Card is your gateway to exclusive online shopping rewards and financial perks. With 10X reward points on top e-commerce partners, fuel surcharge waivers, milestone rewards, and contactless technology, it's your key to convenient, secure, and rewarding transactions worldwide.

High Rewards on Online Shopping: Earn 10X reward points on online purchases from popular partners, making your shopping experiences even more rewarding.
Annual Fee Reversal: Spend just Rs. 1,00,000 to have the annual fee of Rs. 499 reversed for the following year, saving you money.
Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol stations.
Contactless Convenience: Make quick and secure payments with contactless technology, enhancing transaction speed and security.
Global Acceptance: Accepted at over 24 million outlets worldwide, it's your trusted companion for payments at home and abroad.

Annual Fee (One-time)	499
Renewal Fee (Per Annum)	499 (From the 2nd year)
Add-on Fee (Per Annum)	Nil
Late Payment Charges	As per Terms & Conditions

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Swiggy HDFC Bank Credit Card

Annual Charges - Rs. 500 + GST

The Swiggy HDFC Bank Credit Card offers incredible dining and online shopping benefits. Enjoy 10% cashback on Swiggy orders and 5% cashback on online shopping. Get a complimentary 3-month Swiggy One Membership worth Rs 1199. Plus, access premium Mastercard World benefits, including golf lessons and stay-and-dine offers. Elevate your dining and shopping experience today.

Get 10% Cashback (Up to Rs 1500/month) on Swiggy ( Instamart, Food delivery, Genie & Dine out)
5% Cashback (Up to Rs 1500/month) on Online Shopping Spends on Amazon, Flipkart, Myntra, Nykaa & More
1% Cashback (Up to Rs 500/month) on all other categories
Free Swiggy One Membership for 3 months as a Welcome Benefit
Upto 50 days of interest-free period  from the date of purchase

Joining Fee	Rs 500
Annual Renewal Fee	Rs 500 (waived off for annual card spends over Rs 2 lakhs)
Finance Charges	3.6% per month (43.2% per annum)
Late Payment Charges	Vary based on statement balance, up to Rs 1,300 for balances over Rs 50,000

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IDFC FIRST Select Credit Card

Annual Charges - Lifetime Free Credit Card

The IDFC First Select Credit Card offers a premium lifestyle with no annual fees, low interest rates, and 10X reward points on special spending. Enjoy 4 complimentary airport lounge visits, travel perks, and trip cancellation cover. Your reward points never expire, making it a convenient choice for those seeking luxury and rewards.

No Annual Fees: Enjoy a premium lifestyle with zero annual fees, making it cost-effective.
Generous Rewards: Earn 10X reward points on special spends and 6X & 3X on online & offline purchases, with points that never expire.
Airport Lounge Access: Get 4 complimentary domestic airport lounge visits per quarter.
Travel Perks: Enjoy travel benefits like trip cancellation cover and low markup fees on international transactions.
Cashback and Discounts: Avail cashback offers, dining discounts, and movie ticket discounts.

Joining Fee	No joining fee. Lifetime Free Credit Card
Annual Fee	No annual fee. Lifetime Free Credit Card
Finance Charges on Revolving Credit	From 0.75% to 3.5% per month (9% to 42% per annum)
Cash Advance Fee	2.5% of the transaction amount, minimum of Rs. 300
Late Payment Charges	15% of Total Amount Due, minimum of Rs. 100, maximum of Rs. 1250

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Article by Nanne Parmar