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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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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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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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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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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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Article by Nanne Parmar