Select Your Suitable Credit Card

April 11, 2024
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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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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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Axis Bank Kwik Credit Card		Axis Bank Kwik Credit Card

Annual Charges - Lifetime Free		Axis Bank Kwik Credit Card, a lifetime-free offering, integrates UPI transactions, rewarding users with 2 EDGE points for every Rs. 200 spent. Enjoy 1% fuel surcharge waiver and instant virtual card issuance through the Kiwi app. Simplified UPI PIN activation adds to the convenience.
  • Lifetime Free Card: The Axis Bank Kwik Credit Card comes with no joining or annual fees, making it a cost-effective choice for cardholders.
  • UPI Integration: This card seamlessly links with UPI, enabling users to make quick and secure payments through the Kiwi app.
  • Instant Virtual Card Issuance: Upon approval, cardholders receive a virtual card instantly, eliminating the need to wait for a physical card.
  • 2 EDGE Reward Points: Cardholders earn 2 EDGE reward points for every Rs. 200 spent, which can be redeemed for various benefits and rewards.
  • 1% Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000, helping you save on fuel expenses.
Charge/Fee Amount
Joining Fee Nil
Renewal Fee Nil
Foreign Currency Markup Fee 3.5% of the transaction amount
Fuel Surcharge Waiver 1% on transactions between Rs. 400 to Rs. 4,000
Reward Redemption Fee Rs. 49 (for redeeming 300 to 10,000 RPs)
Rs. 99 (for redeeming more than 10,000 RPs)
Interest Rate 3.6% per month (52.86% per annum)
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kotak indianoil credit card		IndianOil Kotak Credit Card

Annual Charges - Rs. 449/-		The IndianOil Kotak Credit Card, a collaboration between Kotak Mahindra Bank and IndianOil Corporation, offers significant fuel savings, rewarding dining and grocery spends, and a range of benefits, including personal accident insurance and concierge services. With annual fee waivers and valuable reward points, it's a smart choice for frequent travelers and shoppers.
  • Fuel Savings: Up to 5% savings on IndianOil fuel transactions and a 1% fuel surcharge waiver at IndianOil outlets.
  • Reward Points: Earn generous reward points on fuel, dining, and grocery spending, along with a welcome benefit.
  • Annual Fee Waiver: Annual fee of INR 449 waived on spending INR 50,000 in the previous year.
  • Personal Accident Insurance: Cardholders receive INR 2,00,000 for personal accident insurance coverage.
  • Concierge Services: Access to personal concierge services for various needs, including reservations and bookings.
Charge Type Amount (INR)
Joining Fee 449/-
Annual Fee 449/- (Waived if INR 50,000 spent in the previous year)
Interest Charges 3.5% (Annualized @ 42%)
Add-on Card Fees NIL
Minimum Amount Due (MAD) 5% or 10% of Total Amount Due (TAD) as decided by the Bank
ATM Cash Withdrawal 300/- per INR 10,000 or part thereof
Late Payment Charges (LPC) INR 100 - INR 700 (Based on outstanding balance)
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IndianOil Axis Bank Credit Card

Annual Charges - Rs. 500

The IndianOil Axis Bank Credit Card, a powerful co-branded offering, provides users with up to 4% value back on fuel transactions and accelerated rewards. Cardholders enjoy perks like complimentary lounge access, OTT benefits, and discounts on dining and entertainment. The card's annual fee can be waived with a spending threshold.

  • 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.
Joining Fee (Regular) Rs. 500
Joining Fee (Lifetime Free Offer)* Select Channels
Annual Fee (1st Year) Nil
Annual Fee (2nd Year Onwards) Rs. 500
Annual Fee (Lifetime Free Offer)* Select Channels
Add-on Card Joining Fee Nil
Finance Charges (Retail Purchases/Cash) 3.6% per month (52.86% per annum)
Cash Withdrawal Fee 2.5% (Min. Rs. 500) of the cash amount
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IndusInd Bank Platinum Aura Edge		IndusInd Bank Platinum Aura Edge Credit Card

Annual Charges - Nil

The IndusInd Bank Platinum Aura Edge Credit Card offers an array of benefits, including rewards for shopping, a fuel surcharge waiver, and comprehensive insurance coverage. With multiple reward plans and the convenience of contactless payments, it's the ideal choice for those seeking value and versatility in their credit card.

  • Reward-Rich Shopping: Earn generous reward points, especially at departmental stores and for grocery purchases, to maximize your savings on everyday shopping.
  • Contactless Convenience: Make swift and secure transactions with the card's contactless feature, simplifying your payment experience.
  • Insurance Protection: Enjoy comprehensive insurance coverage, including lost baggage, delayed baggage, loss of passport, lost ticket, missed connection, and air accident insurance.
  • Fuel Surcharge Waiver: Save on fuel expenses with a 1% fuel surcharge waiver at petrol pumps across India.
  • Flexibility of Reward Plans: Tailor your card to your lifestyle with a choice of four reward plans, allowing you to earn savings points across diverse spending categories.
Joining Fee Rs. 500 (Nil if applied via specific channels)
Annual Fee Nil
Finance Charges 3.95% per month (47.40% per annum)
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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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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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Nanne Parmar
Article by Nanne Parmar
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