CREDIT KARMA

Mar 25 2020

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Credit one bank india


Best Credit Cards in India 2019

It is very important to choose the right credit card or else you might end up losing on a lot of benefits. You must opt for a card after comparing it with the different cards offered in the market. There are many banks in India that offer various types of credit cards. The cards are categorized on the basis of the benefits they offer.

Below are the Best 10 credit cards offered by banks in India

  • 5 points/ 150 spent
  • 10X points on select retail stores. TnC apply
  • 10,000 points on paying joining fee
  • 1st Year – 5,000. Waived on spends of 1 lakh in 90 days
  • 2nd Year Onwards – 5,000. Waived on spends of 5 lakhs within 12 months
  • Unlimited airport lounge access to over 700+ lounges worldwide
  • 15% discount at 3,000+ premium hotels across the country & global dining privileges
  • 6 complimentary golf games (green fee waiver) in a quarter at 20 golf courses in India & 40 across the world
  • KYC-PAN, address proof & ID proof
  • One photograph, salary slip/Form 16
  • No joining perks
  • 1st Year – 500
  • 2nd Year Onwards – 500
  • 15% off on dining across 2,000 partner restaurants
  • Cashbacks earned get automatically credited on accumulation of a minimum of 500
  • Savings and offers on shopping at 100+ stores
  • EMI privileges on shopping, consumer electronics, mobile phone outlets, leading retail chains and e-retailers
  • Terms & conditions apply
  • KYC-PAN, Address proof and ID Proof
  • One photograph, Salary slip/Form 16
  • 6 points/ 150 spent
  • 10 points/ 150 spent
  • 2 points/ 150 spent on others
  • 10% cash back
  • 2,000 Cleartrip vouchers
  • 1st Year – 0. Lifetime free
  • 2nd Year Onwards – 0
  • APR – 39.6% per annum
  • High on rewards
  • No Joining Fee & No Annual Fee
  • 10% cash back on all spends during the first 90 days from the date of card issuance, subject to a minimum spend of 10,000 and a maximum cashback of 2,500. Valid till 31st March 2019
  • 2,000 Cleartrip voucher on your first transaction. This offer is valid only for customers who apply for this Credit Card between 1st July, 2018 and 31st December, 2018, and the card gets issued by 20th January, 2019.
  • Up to 10,000 cashback on booking international flights on Make My Trip
  • Up to 1,200 savings on booking domestic flights on Clear Trip
  • Buy a movie ticket from Book My Show and get another ticket for free
  • Submit your documents online to avail this offer
  • Get 3X rewards on spends on dining, hotels and telecom categories for 12 months
  • Get 5X rewards on spends over 4,00,000 in a year for up to maximum spends of 10,00,000 in a year
  • Entertainment – BookMyShow voucher worth 500 on spends of 50,000 or more in a calendar month
  • Entertainment – Buy 1 movie ticket and get another free on BookMyShow once every month. Applicable on Saturdays only.
  • Dining – Up to 15% discount at 700+ restaurants across major cities
  • Dining – Gift vouchers worth up to 500 at Speciality Restaurants
  • KYC – PAN, Address proof and ID Proof
  • One photograph
  • Latest salary slip/ Form 16
  • 1.5 points/ 150 spent
  • No joining perks
  • 1st Year – 0
  • 2nd Year Onwards – 0
  • APR – 46% per annum
  • High on rewards
  • One time membership fee
  • 1.5 Reward Points for every 150 spent.
  • Buy 1 Get 1 Movie Ticket across multiple Entertainment Partners
  • Get Comprehensive Insurance Benefits
  • Fuel Surcharge waiver at all fuel stations across India
  • Priority Pass Membership for you and your partner
  • Complimentary golf once a quarter at any of the 1 prestigious clubs.
  • KYC-PAN, Address proof and ID Proof
  • One photograph, Salary slip/Form 16
  • 10% off / cash back on select spends
  • 2 points/ 200 spent
  • 15% off at selected restaurants
  • Jabong gift voucher worth 500
  • BookMyShow voucher worth 300
  • Amazon Voucher worth 250
  • 1st Year – 250
  • 2nd Year Onwards – 250
  • APR – 46.78% per annum
  • High on cashback
  • Earn 2 points for every 200 spent through your credit card
  • 10% off every time you book a movie ticket through BookMyShow, maximum monthly benefits upto 50
  • 10% off every time you book bus tickets through redBus, maximum monthly benefits upto 100
  • 10% cashback on mobile recharge through Freecharge mobile app, monthly benefits upto 30
  • 10% off on Myntra purchases of 500 & above.
  • KYC-PAN, Address proof and ID Proof
  • One photograph, Salary slip/Form 16
  • 2 Free movie tickets at PVR every month
  • 1 Free movie ticket on 750 spent at PVR cinema
  • No joining perks
  • 1st Year – 999
  • 2nd Year Onwards – 999
  • APR – 40.8% per annum
  • Amazon offer is applicable only if all documents are submitted online.
  • This offer is available only if all necessary documents are uploaded online
  • No fee waiver
  • Get 2 PVR cinema ticket every month when you spend 10,000/- and above in a monthly billing cycle
  • Use the ticket to book any day and any show across the PVR cinemas
  • Avail discounts of upto 400 per coupon code per ticket
  • 4 turbo points/ 150 spent on fuel at authorised IndianOil outlets
  • 2 turbo points/ 150 spent on groceries and at supermarkets
  • No joining perks
  • 1st Year – 1,000 (Waived if annual spends exceed Rs. 30,000)
  • 2nd Year Onwards – 1,000 Waived if annual spends exceed Rs. 30,000
  • Complete waiver of the 1% fuel surcharge at authorised IndianOil outlets
  • Contactless card – Just tap your card at accepting POS terminals for transactions up to 2,000. No PIN required.
  • Up to 71 litres of free fuel annually on redemption of your turbo points for fuel at 1,200+ authorised IndianOil outlets
  • No expiry date for turbo points. 1 Turbo point = 1
  • Up to 15% savings at participating restaurants
  • Terms & conditions apply
  • KYC-PAN, Address proof and ID Proof
  • One photograph, Salary slip/Form 16
  • 1,000 off on total fare on Domestic Flight booking.
  • 4,000 off on total fare on International Flight booking.
  • Flat 20% off on Domestic Hotel Bookings.
  • Yatra discount vouchers worth 8,250
  • Welcome Gift of Yatra.com vouchers worth 8,250 on payment of joining fee
  • 1st Year – 499 + GST
  • 2nd Year Onwards – 499 + GST
  • 1,000 instant discount on domestic flight bookings (Min. transaction – 5,000)
  • 20% instant discount on domestic hotels (Min. transaction – 3,000)
  • 4,000 instant discount on international flight bookings (Min. transaction – 40,000)
  • Use code TRAVEL at the time of booking to avail the above discounts. Code can be used 6 times in a calendar year
  • 6X Reward Points on every 100 spent at department and grocery stores, dining, movies, entertainment and international spends
  • Exclusive access to Mastercard airport lounges in India
  • 1 reward point for every 100 spent on all other categories
  • 1% fuel-surcharge waiver across all petrol pumps for transactions between 500 and 3,000. Maximum waiver of 100 per month
  • Complimentary 50 lakh air-accident death cover for primary cardholder if ticket is booked on the Yatra website using this card
  • KYC-PAN, address proof and ID proof
  • Photograph, salary slip/Form 16
  • 10 points/ 100 spent on dining, movies, grocery and department stores.
  • 1 point/ 100 spent on all other categories
  • 2,000 bonus points on spending 2,000 in first 60 days
  • 1st Year – 499
  • 2nd Year Onwards – 499. Waived on annual spends > 90,000
  • Up to 10X rewards on everyday spends
  • Spend-based annual fee waiver
  • Annual fee is waived on minimum spends of 90,000
  • 1% fuel-surcharge waiver (max. 100/month) for transactions between 500 and 3,000 at any petrol pump in India
  • KYC-PAN, Address proof and ID Proof
  • One photograph, Salary slip
  • 10 points/ 100 spent online with exclusive partners
  • 5 points/ 100 on other online spends
  • 1 point/ 100 spent on others
  • Welcome voucher worth 500 from Amazon on joining
  • 1st Year Joining Fee – 499
  • 2nd Year Onwards – 499. Waived on annual spends > 1 lakh
  • Gift voucher worth 2,000 each on annual online spends of 1 lakh and 2 lakhs
  • Membership fee reversal on annual spends of 1 lakh
  • 1% fuel-surcharge waiver (max. 100/month) for transactions between 500 and 3,000
  • KYC-PAN, Address proof and ID Proof
  • One photograph, Salary slip

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Credit card is a small plastic card that allows you to borrow money instantly at the point of sale from your card provider to pay for purchases. The total borrowed amount has to be paid by the cardholder at the end of the billing cycle (it is generally a month long). Credit card payment is one of the most convenient and beneficial ways to pay for products. Unlike cash, credit card can be used to make online payments as well. Apart from allowing people to borrow money, these cards offer various rewards and benefits such as discounts, cashback, lounge access and memberships among many others.

Mentioned below are the top 10 credit cards offered by banks in India considering the categories Fuel, Premium, Travel, Rewards, Shopping, Dining and Entertainment.

Best Credit Cards in India for Salaried Individuals

Credit cards are perhaps one of the most utilised financial tools in the world today. These cards are similar to loans and can be availed with a swipe of the card. Ever since their inception in the 1950s, credit cards have had a significant impact on the economy.

In order to avail a credit card, certain eligibility criteria will have to be met. For example, the applicant must be earning a minimum annual income as defined by the credit card provider and must be an adult. Additionally, credit scores also play an important role.

Salaried individuals can avail a number of credit cards as long as they are earning a minimum annual income, as prescribed by the bank or credit card provider and have a good credit score. A number of companies in India provide salaried employees with a plethora of credit cards. Each of these cards come with different benefits and features and the eligibility criteria for each of these cards will vary.

Top 10 Credit Cards in India – Card wise Features & Benefits

Indian Oil Citi Platinum Card

This fuel credit card helps you save money on fuel and at the same time earn rewards on all your purchases.

Benefits of Indian Oil Citi Platinum Card

  • Avail annual fee waiver on spend of Rs.30,000 p.a.
  • Earn 4 Turbo Points on every Rs.150 spent on purchase of fuel at IndianOil Outlets across India. Earn 4 points at selected partner stores as well.
  • Fuel surcharge waiver at IndianOil outlets.
  • Earn 2 Turbo Points on every Rs.150 spent at supermarket and grocery stores.
  • Earn 1 Turbo Point on every Rs.150 spent on all other purchases.
  • Redeem Turbo Points for free fuel at IndianOil outlets. 1 Turbo Point is equal to free fuel worth Rs.1. Points can also be redeemed at selected merchant outlets and for gift vouchers at major brands.
  • Enjoy personal concierge services and offers on dining, shopping, etc.

ICICI Bank Coral Contactless Credit Card

This easy-to-use card is loaded with benefits, rewards, and discounts on dining and more. All the cardholder needs to do is tap it and go.

Benefits of ICICI Bank Coral Contactless Credit Card:

  • Cardholders can enjoy a discount worth 15% on dining bills.
  • Spend a minimum of Rs.4,000 per transaction at HPCL petrol bunks and get up to 2.5% cashback and 1% waiver of surcharge.
  • Book airline tickets with your ICICI Bank Coral Contactless Credit Card and enjoy complimentary visits to airport lounges.
  • Buy one movie ticket and get one free from www.bookmyshow.com. Cardholders can bag up to 10,000 additional reward points every anniversary year.
  • On joining, you will get a complimentary tie worth Rs.999 from Provogue. It will be delivered to you within 30 working days.

Yatra SBI Credit Card

The State Bank of India (SBI) and Yatra have partnered to offer Yatra SBI Credit Card, which is one of the best travel credit cards in India at present. Apart from offers on domestic and international travel, this card has multiple benefits in store for the cardholders.

Benefits of Yatra SBI Credit Card:

  • Vouchers worth Rs.8,250 from Yatra as welcome gift. Use card within 30 days of availing it to get Rs.100 worth cashback.
  • Spend at least Rs.90,000 a year to avail annual fee waiver.
  • Avail 6x Reward Points on money spent using the card on Yatra, grocery stores and departmental stores.
  • Avail 6x bonus points on the base fare and rates on bookings made on Yatra.
  • Avail 1 point on every Rs.100 spent on other retail stores.
  • Points can be redeemed for Yatra vouchers.
  • Avail discount voucher of Rs.500 on every Rs.30,000 spent on bookings made on Yatra.
  • Enjoy access to airport lounges in India.
  • Enjoy 1% surcharge waiver on Rs.500 to Rs.3,000 worth fuel purchases.

Jet Airways American Express Platinum Credit Card

This card provides cardholders with an unforgettable travel experience. It is offered by American Express in partnership with Jet Airways. It is very popular because of the different kinds of rewards it has to offer.

Benefits of Jet Airways American Express Platinum Credit Card

  • Avail 10,000 Bonus JPMiles and a 1-way Jet Airways domestic flight ticket with the base fare waived as welcome gift.
  • Enjoy complimentary access to airport lounges in 11 cities of India.
  • Avail 3% cashback on fuel purchases in India.
  • Avail Preferred Hotels & Resorts free iPrefer Elite Tier membership.
  • Enjoy 24×7 Platinum Concierge Service.
  • Earn 8 JPMiles on every Rs.150 spent. This benefit is not applicable on fuel, insurance, cash and utility transactions.
  • Earn 16 JPMiles on every Rs.150 spent on booking tickets on the website of Jet Airways.
  • Earn up to 20 Bonus JPMiles on every Rs.100 spend under the EXTRA JPMiles Program.
  • Enjoy zero lost card liability.

HSBC Visa Platinum Card

This credit card offered by HSBC bank is preferred by many people because of the endless rewards it offers. Cardholders can enjoy cashback, reward points, discounts and much more.

Benefits of HSBC Visa Platinum Card

  • During the initial 90 days, avail 10% cashback on all spends, provided at least 3 transactions are made and the minimum spend is Rs.10,000. Avail a maximum cashback of Rs.3,000.
  • Earn 3x Rewards on hotel, dining and telecom spends for the initial 12 months.
  • Earn 2 points on every Rs.150 spent using the card.
  • Earn EXTRA points at selected EXTRA partners.
  • Spend at least Rs.4,00,000 in a year and earn 5x Rewards on all the successive transactions.
  • Spend at least Rs.50,000 in a month to avail movie vouchers worth Rs.500.
  • Enjoy fuel surcharge waiver when you pay for fuel using the card.
  • Enjoy discounts on dining under HSBC Dining Privileges.

Citi Cashback Card

This card allows you to earn while you spend. It offers cashback and other benefits on spends.

Benefits of Citi Cashback Card

  • Make contactless payments of up to Rs.2,000. No PIN required. Simply tap the card at the contactless terminal to pay.
  • Get 5% cashback on movie tickets and phone bill payments.
  • Get 5% cashback on utility bill payments, if paid through Citibank Online Bill Pay.
  • Get 0.5% cashback on all the other spends.
  • Enjoy exclusive dining and shopping benefits.
  • Make purchases on EMI at over 2,000 mobile phone, electronics and retail outlets.

HDFC Bank Diners Club Black Card

This credit card is one of the most popular premium card in India. It does not just offer reward points, but provides the best protection, golf benefits, travel benefits, lifestyle benefits, etc.

Benefits of HDFC Bank Diners Club Black Card

  • Earn 2x reward points on domestic and international air ticket and hotel bookings.
  • Redeem points for airmiles or to book air tickets or hotels.
  • Enjoy access to over 25 airport lounges in India and over 650 airport lounges abroad.
  • Enjoy 24×7 concierge service. Get the concierge to reserve golf course and dining or to deliver flowers and gifts or to rent cars. The concierge will also provide business related services, courier service and make hotel reservations.
  • Avail 5 reward points on every Rs.150 spent at retail merchant stores.
  • Avail 10 reward points on every Rs.150 spent on HDFC Bank Diners Club website.
  • Enjoy complimentary golf games and lessons in India and abroad.
  • Get Rs.2 crore worth Air Accident Cover, up to Rs.50 lakh worth Emergency Medical Expenses cover, up to Rs.9 lakh worth Credit Liability cover and up to Rs.55,000 worth Travel Insurance Cover on baggage loss/delay.

IndusInd Bank Platinum Card

This premium credit card is ideal for people who wish to live a posh life. It offers multiple lifestyle and dining benefits to the cardholders.

Benefits of IndusInd Bank Platinum Card

  • Avail Accor Plus Program membership. This membership will allow cardholders to enjoy up to 15% discount on drinks across Asia and up to 50% discount on dining across Asia Pacific. Apart from that, members can avail discount on hotel bookings, complimentary night stays and Silver Membership Status at Le Club Accor Hotels.
  • Earn 1.5 Reward Points on every Rs.150 that you spend using the card.
  • Avail discounts from various travel and shopping partners. For Example – Satya Paul, Jet Airways, Woodland, United Colours of Benetton, etc.
  • Enjoy complimentary golf lessons and games at golf courses in India.
  • Avail discounts on movie tickets when you book using this card on Bookmyshow.
  • Enjoy complimentary Priority Pass and get access to airport lounges in India and abroad.
  • Enjoy benefits under the Travel Plus Program.
  • Avail Travel Insurance cover and enjoy 24×7 concierge services. The card’s Total Protect feature will protect you from fraudulent transactions.
  • Avail free air accident cover up to Rs.25 lakh.
  • Enjoy 1% fuel surcharge waiver at petrol pumps in India.
  • Avail services during emergency through the bank’s 24×7 Auto Assist Facility.

Axis Bank Neo Credit Card

This card is loved by movie goers and shoppers. It offers some of the best dining, shopping and entertainment benefits in India. Cardholders can also earn reward points on their spends and make purchases on EMI.

Benefits of Axis Bank Neo Credit Card

  • Earn 2 eDGE Loyalty Rewards points on every Rs.200 spent using the card.
  • Avail 10% cashback on mobile recharge, online shopping and movie tickets.
  • Avail vouchers of Rs.200 from Bookmyshow.
  • Easily convert transactions of Rs.2,500 and above into EMI.
  • Avail Rs.500 worth complimentary vouchers from Jabong.
  • Avail 10% discount on every transaction of at least Rs.500 made on Myntra.
  • This card is protected through an EMV certified chip.
  • Enjoy zero lost card liability.
  • No annual fee is charged for the first year.

Kotak PVR Gold Credit Card

This credit card has been exclusively designed for movie buffs. It is offered by Kotak Mahindra Bank in partnership with PVR Cinemas.

Benefits of Kotak PVR Gold Credit Card

  • Avail 1 free PVR movie ticket on a minimum spend of Rs.10,000 per billing cycle or 2 free tickets on a minimum spend of Rs.15,000 per billing cycle. To avail the free tickets, cardholders can make any type of spends.
  • Avail up to Rs.75,000 worth insurance coverage for stolen or lost card.
  • Avail Add-on cards for family members.

Top Credit Card Tips

4 Top Credit Cards of 2019

We’ve picked the BEST reward Credit Cards for 2019 that will spoil you silly. Want to check them out?

HSBC Visa Platinum Credit Card

This card not only comes with a zero annual fee but also offers 20% discount at select restaurants & lounges in India. Also save up to Rs. 1,200 on all domestic flights on Clear Trip! How cool is that?

SBI Simply Save Card

This card will keep you happy all day long! It offers 10X rewards on all your dining, movies, grocery and departmental store spends. Also earn 1 reward point for every Rs. 100 spent on all other categories. How cool is that?

HDFC Bank Diners Club Black Card

Want to get pampered? Look no further! This card offers unlimited free airport lounge visits all across the world. Get 50 reward points at select retail & online partners too! That’s a steal.

SBI Simply Click Card

Love shopping? This card offers 5X reward points for all online spends. Also, earn 10X reward points on spends with exclusive partners. What’re you waiting for?

You do NOT want to miss out on these amazing Credit Card offers. Grab them before it’s too late! Didn’t find what you were looking for? Cheer up! We have other equally cool offers exclusively for you.


SOURCE: http://www.bankbazaar.com/credit-card/top-10-credit-cards-in-india.html

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