Choose Your Best Credit Cards For Self Employed

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HDFC Bank Regalia Credit Card

Annual Charges - Rs. 2500

"Unlock a world of luxury and rewards with the HDFC Regalia Credit Card. Earn 4 Reward Points for every Rs. 150 spent, enjoy complimentary lounge access, and waive your annual fee by spending Rs. 3 lakh. With low forex fees and insurance coverage, it's your passport to premium living."

Reward Riches: Earn 4 Reward Points for every Rs. 150 spent.
Lounge Luxury: Enjoy complimentary domestic and international airport lounge access.
Fee Freedom: Annual fee waived on spending Rs. 3 lakh in a year.
Global Convenience: Low forex markup fee for international transactions.
Total Protection: Comprehensive insurance coverage for peace of mind.

Joining Fee	Rs. 2,500
Annual Fee (waived on spending Rs. 3 lakh in a year)	Rs. 2,500
Finance Charges (Monthly)	3.6%
Finance Charges (Annual)	43.2%

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Axis Magnus Credit Card

Annual Charges - Rs. 12,500 + Taxes

Unlock a world of luxury with the Axis Bank Magnus Credit Card. Enjoy exclusive airport lounges, up to 40% dining discounts, and personalized concierge services. Earn generous rewards and benefit from annual fee waivers. Elevate your lifestyle with the Magnus Credit Card - where every spend rewards your aspirations.

India’s most rewarding Credit Card with amazing offers and value back on Travel, Food, and Online Shopping
35 EDGE reward points per Rs 200 on incremental spends above Rs 1.5 lakhs in a calendar month
5X EDGE REWARDS on travel spends via TRAVEL EDGE
31000 RP can be converted into 24800 loyalty program points of Club Vistara, Club ITC, SpiceClub, AirAsia rewards, Marriott Bonvoy, Flying Blue, ShebaMiles, Etihad Guest, IHG One Rewards, Privilege Club, KrisFlyer, Miles and Smiles, United MileagePlus
RP can also be redeemed as cash (Direct Card Credit) at 1RP = 0.20 Rs
Choose from one complimentary* economy class flight ticket across any domestic location and a Tata CLiQ voucher worth Rs 10,000 as your annual benefit
The maximum Discount on a Flight ticket is Rs 10,000
Annual Benefit is only applicable if Annual Fee is paid by the cardholder
Airport Concierge Service – 8 complimentary VIP assistance services in a year
Buy 1 Get 1 movie/non movie ticket (up to Rs 500) on BookMyShow – 5 times a month

Annual Fee	₹10,000 + GST
Annual Fee Waiver	(waived on spends of ₹15 Lakhs or above)
Interest Rate	3%
Forex Mark-up	2%
Cash Withdrawal Charges	Nil

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Axis Bank Atlas Credit Card

Annual Charges - Rs. 5000

The Axis Bank Atlas Credit Card offers a passport to luxury travel. With 5,000 EDGE Miles as a welcome gift, airport lounge access, and rewarding spending benefits, it's your ticket to an upgraded lifestyle. Enjoy dining discounts, platinum tier membership, and up to 20% off at partner restaurants. Travel smart, live grand with the Atlas Credit Card.

India’s most rewarding Credit Card with amazing offers and value back on Travel, Food, and Online Shopping
35 EDGE reward points per Rs 200 on incremental spends above Rs 1.5 lakhs in a calendar month
5X EDGE REWARDS on travel spends via TRAVEL EDGE
31000 RP can be converted into 24800 loyalty program points of Club Vistara, Club ITC, SpiceClub, AirAsia rewards, Marriott Bonvoy, Flying Blue, ShebaMiles, Etihad Guest, IHG One Rewards, Privilege Club, KrisFlyer, Miles and Smiles, United MileagePlus
RP can also be redeemed as cash (Direct Card Credit) at 1RP = 0.20 Rs
Choose from one complimentary* economy class flight ticket across any domestic location and a Tata CLiQ voucher worth Rs 10,000 as your annual benefit
The maximum Discount on a Flight ticket is Rs 10,000
Annual Benefit is only applicable if Annual Fee is paid by the cardholder
Airport Concierge Service – 8 complimentary VIP assistance services in a year
Buy 1 Get 1 movie/non movie ticket (up to Rs 500) on BookMyShow – 5 times a month

Joining Fees	5,000 + GST
Annual Fees	5,000 + GST
Interest Rate	3.60% per month (52.86% per annum)
Cash Withdrawal Charges	2.5% (Minimum Rs 500)
Card Replacement Charges	Nil

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IndusInd Legend Credit Card

Annual Charges - Lifetime Free Credit Card

The IndusInd Legend Credit Card offers a world of rewards and privileges. Earn 2X reward points on weekend spending and enjoy a low forex markup fee. Benefits include Priority Pass access, fuel surcharge waiver, and buy 1 get 1 free on BookMyShow. With no annual fees, it's the perfect card for luxury lovers.

Double Reward Points: Earn 2X reward points on weekend spending. Low
Forex Markup Fee: Enjoy a competitive 1.8% forex markup fee.
Priority Pass Access: Access over 700 lounges worldwide.
Fuel Surcharge Waiver: Get a 1% waiver on fuel spending.
No Annual Fees: A premium card with lifetime free membership.

Joining Fee	Nil
Annual Fee	Nil
Finance Charges	3.83% per month (46% annually)

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Article by Nanne Parmar