Select Your Suitable Credit Card

April 11, 2024
Handpicked CardsOverviewApproval ChanceWhy You Picked It FeaturesFees And ChargesGrab
Full Details
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
    • (capped at ₹5000 per month combined for both Online & Offline 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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Full Details
Bajaj Finserv RBL Bank SuperCard

Annual Charges - Rs. 499 + GST		The Bajaj Finserv RBL Bank SuperCard offers a seamless way to manage daily expenses. With features like interest-free cash withdrawal, 5% cashback, and free movie tickets, it provides valuable perks. The card's easy online application and minimal documentation make it a convenient choice for individuals seeking financial flexibility.
  • Interest-Free Cash Withdrawal: Get interest-free cash withdrawals for up to 50 days, providing financial flexibility.
  • Rewards Program: Earn up to 20 reward points per Rs. 100 spent on all categories, enhancing your savings.
  • Milestone Benefits: Spend Rs. 1.5 lakh annually and receive a voucher worth Rs. 1,000, rewarding your loyalty.
  • Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, saving on fuel expenses.
  • Contactless Payments: Make secure and swift payments using contactless technology, ensuring convenience and safety.
Joining Fee Zero, if you apply from pricemint
Annual Fee Rs. 499
Finance Charges 3.5% per month (42% p.a.)
Cash Withdrawal Fee 2.5% of withdrawn amount, minimum Rs. 500
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Full Details
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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Full Details
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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Full Details
Altura Plus Credit Card		AU Altura Plus Credit Card

Annual Charges - Rs. 499 + Taxes		Unlock a world of luxury with the AU Altura Plus Credit Card. Earn cashback, double reward points for online transactions, and enjoy complimentary lounge access. Fuel surcharge waivers and contactless payments add convenience. Benefit from partner offers and waive the annual fee with eligible spending. Your path to financial freedom starts here.
  • Cashback Rewards: Earn 1.5% cashback on POS retail spends, and enjoy a maximum cashback of INR 100 per statement cycle.
  • Double Reward Points: Get 2X Reward Points on online transactions and 1 Reward Point per INR 100 for specific category spends.
  • Lounge Access: Enjoy 2 complimentary lounge visits per quarter at select railway stations with your VISA Card.
  • Fuel Savings: Benefit from a 1% fuel surcharge waiver on transactions between INR 400 and INR 5,000 at all fuel stations.
  • Annual Fee Waiver: The annual fee can be waived by meeting spending thresholds.
Joining Fees Rs. 499 + Taxes
Annual Fees Rs. 499 + Taxes
Annual Fee Waiver (1st Year) Spend Rs. 20,000 within 90 days of card setup
Annual Fee Waiver (Subsequent Years) Spend Rs. 80,000 in the previous card anniversary year
Revolving Credit Charge 3.49% per month (41.88% annually)
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Full Details
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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Full Details
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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Full Details
IDFC First Millennia Credit Card		IDFC FIRST Millennia Credit Card

Annual Charges - Lifetime Free Credit Card		The IDFC First Millennia Credit Card is a versatile financial tool designed to cater to the modern customer's needs. With no annual fees and competitive interest rates, it offers substantial cashback, reward points, and discounts on dining and entertainment. It's a reliable and cost-effective choice for savvy spenders.
  • Welcome Benefits: Receive 10% cashback on the first transaction within 30 days, along with a ₹500 voucher for spending ₹15,000 within 90 days of card issuance.
  • Milestone Benefits: Earn 2.5% cashback on spending above Rs. 1 lakh annually.
  • Fuel Surcharge Waiver: Enjoy a waiver of up to Rs. 250 per month on fuel surcharge at any Indian petrol pump.
  • Dining and Entertainment Benefits: Get up to 15% discount at partner restaurants and up to 10% discount on movie tickets and entertainment events.
  • Flexible Reward Points: Earn 6X reward points on online and offline purchases, with the ability to redeem them for cashback, travel bookings, merchandise, or gift vouchers.
Charges and Fees Amount
Joining Fee No Joining Fee (Lifetime Free)
Annual Fee No Annual Fee (Lifetime Free)
Finance Charges 0.75% to 3.5% per month
Late Payment Fee 15% of Total Amount Due
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Full Details
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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Full Details
Axis My Zone Credit Card

Annual Charges - Rs. 500		The Axis My Zone Credit Card offers exciting benefits, including Swiggy discounts, movie BOGO offers, airport lounge access, and robust EMV chip security. With a low annual fee and tailored rewards, it's an ideal choice for those seeking a rewarding entry-level credit card for shopping, dining, and entertainment.
  • Swiggy Savings: Enjoy instant discounts on Swiggy orders.
  • BOGO Movies: Get Buy One Get One offers on movie tickets.
  • Airport Lounge Access: Complimentary visits to domestic lounges.
  • EMV Chip Security: Enhanced card protection with EMV technology.
  • Low Annual Fee: Affordable access to rewarding perks.
Joining Fee Rs. 500 (or Lifetime Free offer)*
Annual Fee (2nd Year onwards) Rs. 500 (or Lifetime Free offer)*
Add-on Card Joining Fee Nil
Add-on Card Annual Fee Nil
Cash Payment Fee Rs. 100
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Full Details
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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Nanne Parmar
Article by Nanne Parmar
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