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SBI BPCL Credit Card

Annual Charges - Rs. 499

The SBI BPCL Credit Card, in collaboration with Bharat Petroleum, offers fuel enthusiasts outstanding value with 4.25% cashback on fuel purchases at BPCL pumps. With a low joining fee and the ability to earn up to 13X reward points, it's the perfect choice for those seeking substantial savings on fuel expenses and everyday spending.

4.25% Fuel Value-Back: Earn a generous 4.25% cashback on fuel purchases at BPCL petrol pumps, making it a top choice for fuel savings.
13X Reward Points: Enjoy up to 13X reward points on fuel transactions, along with 5X rewards on groceries, dining, movies, and more.
Low Joining Fee: With a low joining fee of Rs. 499, it provides cost-effective access to these benefits.
Annual Fee Reversal: The annual fee is reversed upon spending Rs. 50,000 in a year, offering potential savings.
Contactless Transactions: Benefit from the convenience and security of contactless transactions with the card.

Fee/Charge	Amount (in INR)
Joining Fee	499
Annual/Renewal Fee	499 (Reversed on spending 50,000 in a year)
Finance Charges	3.5% per month (42% per annum)
Late Payment Fee	Varies based on statement balance

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SBI Cashback Card

SBI Cashback Card

Annual Charges - Rs. 999 + GST

The Cashback SBI Card offers exclusive cashback privileges, including 5% cashback on online spends (up to ₹5,000 per month), 1% cashback on offline spends, and a 10% discount during major online sales events. Additionally, it provides an annual fee waiver for those who spend ₹2,00,000 or more annually, along with fuel surcharge waivers, add-on cards, and global ATM access. Cardholders enjoy convenient auto-credited cashback to their SBI Card account.

Get Exclusive Cashback Privileges with maximum value-back on all your spends
5% Cashback on Online spends
1% Cashback on Offline Spends
Instant 10% discount on Flipkart, Amazon & More during Big Online Sales
Annual fee waiver on annual spends of Rs 2,00,000 or more
1% Fuel Surcharge waiver upto Rs 100 / statement cycle on transaction between Rs 500 to Rs 3000
Add on Cards for your parents, spouse, children or siblings above the age of 18
Withdraw cash from over 1 million VISA across the globe
Card Cashback will be auto-credited to your SBI Card account within two days of your next statement generation

Joining Fee	Rs. 999
Annual Fee (1st Year)	Nil
Annual Fee (2nd Year onwards)	Rs. 999 + GST (Waived on annual spends of Rs. 2 Lakh)
Finance Charges (Monthly)	3.5% (42% p.a.)

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SBI IRCTC Credit Card

Annual Charges - Rs. 300

Elevate your travel experience with the IRCTC SBI Card! Unlock exclusive benefits such as up to 10% rewards on ticket bookings, complimentary railway lounge access, and unmatched privileges. Whether you're a frequent traveler or an occasional explorer, this card is your key to making every journey more rewarding. Apply now and embark on a journey filled with savings and surprises!

10% Rewards on Ticket Bookings: Earn rewards while you travel.
Complimentary Railway Lounge Access: Enjoy luxury at stations.
1% Fuel Surcharge Waiver: Save at the pump.
Exclusive Travel Offers: Unbeatable deals on flights and more.
Annual Fee Waiver: On spends exceeding Rs. 2,00,000.

Annual Fees on The Card	₹300 + GST Taxes Per Year
Renewal Fee Waiver Conditions	On spends more than Rs 2,00,000 annually
First Year Fee	₹300 + GST Taxes Per Year
Joining Charges	₹499 + GST Taxes (One-Time Payment)
Finance Fees (Interest Rate)	3.50% Monthly (42% Annually)

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IDFC FIRST Power HPCL Credit Card

Annual Charges - Rs. 199 + GST

The IDFC FIRST Power HPCL Credit Card is your passport to savings and rewards. With enticing cashback offers, fuel savings, and exclusive discounts, this card turbocharges your spending power. Elevate your lifestyle, earn unlimited rewards, and make every purchase count with the IDFC FIRST Power HPCL Credit Card in your wallet. Get Rs 250 cashback on 1st HPCL fuel transaction of Rs 250 or above

Fuel Savings: Up to 5% cashback on fuel expenses.
UPI Payment: UPI on Credit Card facility is available on IDFC FIRST Power
Welcome Benefits: Enjoy welcome offers worth up to Rs 1400.
2X Rewards: Earn double rewards on retail transactions.
Unlimited Reward Points: Points that never expire.
Complimentary Benefits: Includes roadside assistance and insurance coverage.
Savings: 2.5% savings as rewards on grocery and utility expenses, up to Rs 4000 every month.
Cover: Personal Accident Cover of Rs 2,00,000 and Lost Card Liability Cover of Rs 25,000

Joining Fee	199 + GST
Annual Fee	199 + GST
Annual Fee Waiver	On crossing 50,000 INR spends in previous anniversary year
Interest Rates	APR of 0.75% to 3.5% per month (9% to 42% per annum)
Cash Withdrawal Fee	199 per withdrawal (Interest-free ATM cash withdrawals for up to 48 days)

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Snapdeal BoB Credit Card

Snapdeal BoB Credit Card

Annual Charges - Rs. 249

The Snapdeal Bank of Baroda Credit Card is a cashback-focused card ideal for online shoppers, especially on Snapdeal. It offers up to 20 reward points (equivalent to 5% cashback) on Snapdeal purchases, along with attractive rewards for other spending categories. With a low annual fee and fuel surcharge waivers, it's a valuable choice for cashback enthusiasts.

High Reward Points: Earn up to 20 reward points per Rs. 100 spent on Snapdeal, equivalent to 5% cashback.
Welcome Voucher: Get Snapdeal vouchers worth up to Rs. 500 upon initial card usage.
Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000.
Free Add-on Cards: Get up to 3 lifetime free add-on cards for family members.
Smart EMI Option: Convert purchases over Rs. 2,500 into easy EMIs of 6/36 months.

Joining Fee	Rs. 249
Annual Fee	Rs. 249 (from 2nd year onwards)
Supplementary Card Fee	Nil
Finance Charges (Interest)	3.49% per month (41.88% 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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IDFC First Power Plus Credit card

Annual Charges - Rs. 499

The IDFC FIRST Power Plus HPCL Credit Card is a dynamic financial companion, offering up to 5% savings on HPCL fuel and LPG, exclusive rewards, and annual fee waivers. With fuel surcharge waivers and enticing welcome benefits, it's your ticket to efficient fuel management and rewarding spending. Furthermore, get Upto 6.5% savings on your fuel expenses of up to Rs 35000 every month.

Welcome benefits worth Upto Rs 1650
Rs 500 cashback on 1st HPCL fuel transaction of Rs 500 or above
5% cashback (Upto Rs 1000) on transaction value of 1st EMI conversion
Rs 150 discount on Swiggy order above Rs 500 (valid once per user)
Unlimited Reward points that never expire!
Upto 6.5% savings on your fuel expenses of upto Rs 35000 every month
Save upto Rs 18,500 annually with this credit card, enough to buy you 175+ litres of fuel
Complimentary Roadside Assistance worth Rs 1399

Joining Fees	₹499 + GST
Annual Fees	₹499 + GST	Waived on ₹1,50,000 spends annually
Interest Rates (APR)	9.00% - 42.00% p.a.	Depends on creditworthiness
Interest-Free Cash Withdrawal	Up to 48 hours	No interest for the first 48 hours
Add-On Card Fee	No Charge	No fee for add-on cards

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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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Flipkart Axis Bank Credit Card

Annual Charges - Rs. 499

The Flipkart Axis Bank Credit Card offers 5% cashback on Flipkart and Myntra, 4% on select partners, and 1.5% on other transactions. With welcome benefits, airport lounge access, fuel discounts, and dining perks, it's ideal for online shoppers and travelers. Eligibility includes a minimum income and A Good credit score.

5% Cashback on Flipkart and Myntra: Earn generous cashback on your favorite online shopping platforms.
Select Partner Merchant Discounts: Enjoy 4% cashback on popular brands like Swiggy, Uber, and PVR.
Free Airport Lounge Access: Access domestic airport lounges four times a year at no cost.
1% Fuel Discount: Get a waiver on fuel purchases within a specific transaction range.
Dining Delights: Avail a 20% direct discount at partner restaurants across India.

Welcome Benefits	₹1,100 worth of welcome benefits
Joining Fee	₹500 + 18% GST (may apply)
Annual Fee	₹500 (waived if you spend ₹2 lakhs in a year)
Cash Withdrawal Fee	2.5% of the total amount (Minimum ₹500)

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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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Bajaj Finserv Insta EMI Card

Annual Charges - Rs. 530

The Bajaj Finserv Insta EMI Card is a digital credit card offering a hassle-free way to shop with interest-free EMIs at a vast network of partner stores. Enjoy a pre-approved limit of up to ₹2 lakh, flexible repayment options, and zero foreclosure charges. It's your key to affordable and convenient shopping.

Generous Pre-Approved Limit: Enjoy a pre-approved loan limit of up to ₹2 lakh for your purchases.
Interest-Free EMIs: Convert your purchases into interest-free EMIs for up to 60 months.
Flexible Repayment Options: Choose from various repayment tenures to suit your budget.
Zero Foreclosure Charges: No additional charges if you decide to pay off your loan early.
Easy Application: Apply online and get approval within minutes for quick access to your virtual card.

Joining Fee	₹530 (inclusive of all taxes)
Annual Fee	₹117 (inclusive of all taxes)
Late Payment Fee	₹117 (inclusive of all taxes)
Foreclosure Charges	Nil

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Kotak Mojo Platinum Credit Card

Kotak Mojo Platinum Credit Card

Annual Charges - Rs. 1,000

The Kotak Mojo Platinum Credit Card is your gateway to rewarding experiences. Earn Mojo points on every purchase, enjoy airport lounge access, and waive fees by meeting spending criteria. With enhanced security features, contactless payment capabilities, and enticing rewards, it's your ideal companion for a more enriching lifestyle.

Mojo Points: Earn unlimited Mojo points on online and other purchases, making your spending more rewarding.
Milestone Gift: Receive 2500 Mojo points every quarter when you spend Rs. 75,000 in the first year.
Complimentary Airport Lounge Access: Enjoy up to 8 annual visits to DreamFolks Airport Lounges in India.
Fees Waivers: Get the joining fee waived by spending Rs. 30,000 in the first 90 days, and annual fees waived on spending Rs. 1 lakh annually.
Contactless Payments: The card supports contactless payments for quick and secure transactions.

Charge	Amount
Joining Fees	Rs. 1,000
Annual Fees (First Year)	Rs. 1,000
Add-on Card Fees	Rs. 299
Interest Charges on Outstanding Balances	3.5% (Annualized 42%)
Minimum Amount Due (MAD)	5% or 10% of Total Amount Due (TAD)
ATM Cash Withdrawal/ Fund Transfer	2.5% on advance amount, minimum Rs. 500

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Article by Nanne Parmar