Choose a credit card with best features, rewards & offers for maximum benefits
Select type of employment
Annual Income
Profession/Company
Select your city
Joining & Annual Fees

Joining Fee - Nil
Annual Fee - Nil

*Life time free
Earn 5 reward points for Rs. 150 spent on dining & fuel
Earn 1 reward points for every Rs.150 spent on all other categories.
Earn 1500 reward points by using your Credit Card for atleast one transaction and registering for online banking within the first 60 days
Earn additional 500 points on registration for online banking.
20% cash back on all Uber rides up to a max of INR 600 per month until 30 Sep 2017
Standard Chartered Platinum Rewards card
Joining & Annual Fees

Joining Fee - Rs.1000 + taxes
Annual Fee - Rs.4500 + taxes
4,000 Bonus Membership Rewards® Points, to be awarded on using the Card 3 times within the first 60 days of Cardmembership, upon payment of annual fee.
1,000 Bonus Membership Rewards Points1 for simply using your Card 4 times on transactions of Rs. 1,000 and above every month.
Benefits on your travel bookings with MakeMyTrip.com
Greater flexibility in spending with "no pre-set" limit2 .
Redeem rewards points from the fabulous 18 carat and 24 carat Gold Collection
Get BookMyShow Vouchers worth Rs. 1,000 on Card Approval
Enjoy up to 20% off every time you dine at select restaurant partners.
Monthly Blockbusters Programme: Earn movie vouchers worth up to Rs.2000 every month. Know More
View footnotes
The American Express® Gold Card
Joining & Annual Fees

Annual Fee - Rs.2999
Welcome e-gift vouchers worth 3,000 from Shoppers Stop, Pantaloons, Marks and Spencer, Yatra and Bata/Hush Puppies
10 Reward Points for every Rs.100 on Dining, Grocery, Departmental store and Movie spends
Complimentary International and Domestic Lounge access
Gift vouchers worth Rs.11,000 on annual spends
SBI Card Prime
Joining & Annual Fees

Joining fee: NIL
Annual Fee:Rs. 4,500/- + taxes
1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month.
Benefits on your travel bookings with MakeMyTrip.com1.
Split the payment and not the joy. Use your American Express Credit Card for your next big purchase & pay in easy EMI.
Enjoy up to 20% off every time you dine at select restaurant partners.
View footnotes
The American Express Membership Rewards Credit Card
Joining & Annual Fees

Joining Fee - Rs.2000 + ST
Annual Fee - Rs.2000 + ST
Welcome Gift: Make your first transaction in 30 days and pay joining fees by payment due date to get 8,000
Get 2 reward points per Rs.100 spent for all spends.
Get 10 reward points per Rs.100 for all spends on dining, utility bills, international spends, entertainment & fuel
Spend 2Lacs in a year, Get 10,000 bonus points.
Spend 3.5Lacs in a year, Get additional 10,000 points
RBL Bank Platinum Maxima Credit Card
Joining & Annual Fees

Joining Fee - Rs.499
Annual Fee - Rs.750

*Fee waived off for annual spend more than Rs.60,000
5% cashback at fuel
5% cashback on Telecom bill payments
5% cashback on utility bill payments
1 reward point per INR 150 across all categories
1000 reward points on first swipe
500 reward points on registration for online banking
Fuel cashback irrespective of the petrol pump you swipe your card at.
20% cash back on all Uber rides up to a max of INR 600 per month until 30 Sep 2017
Standard Chartered Super Value Titanium card
Joining & Annual Fees

Joining Fee - Rs. 3,000
Annual Fee - Rs.3,000
6 Skywards Miles for INR 150 on international spends
4 Skywards Miles for INR 150 on domestic spends
5% cash back at duty free stores
4000 Skywards Miles on payment of joining fee
Get this card for free if your income is over INR 48 Lakhs per year
20% cash back on all Uber rides up to a max of INR 600 per month until 30 Sep 2017
Standard Chartered Emirates Platinum card
Joining & Annual Fees

Annual Fee - Rs.4999 (one time)
Renewal Fee - Rs.4999 (per annum)
5X Reward Points on Dining, Departmental stores, Grocery and International spends
Welcome e-gift voucher worth Rs. 5,000
Up to 50,000 Bonus Reward Points on annual spends
2 complimentary movie tickets worth Rs. 500 every month at bookmyshow.com
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
SBI Card Elite
Joining & Annual Fees

Joining Fee - NIL
Annual Fee - Rs.1500 + applicable taxes
Discounted access to 28 Domestic Airport Lounges2 at 11 cities in India.
5% cashback3 on your MakeMyTrip bookings
Up to 70% instant discount on Hotel bookings made via MakeMyTrip.com valid till September 30, 2017.
MakeMyTrip voucher worth Rs. 2,000 on spending Rs. 1.25 lacs and an additional MakeMyTrip voucher worth Rs. 5,000 on spending Rs. 2.5 lacs, every year4.
Monthly Blockbusters Programme: Earn movie vouchers worth up to Rs.2000 every month. Know More
View footnotes
The American Express MakeMyTrip Credit Card
Joining & Annual Fees

Annual Fee - Rs. 1,499 + taxes
5,000 Reward Points, Complimentary Membership to Air India Frequent Flyer Program
Upto 15 Reward points on every Rs 100 spent on Air India tickets
2 per 100 on regular spends
1 Reward Point = 1 Air India Air Mile
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
Air India SBI Platinum Card
Joining & Annual Fees

Annual Fee - Rs.500 (one time) Renewal Fee - Rs.300 (per annum)
Earn up to 10% value back as Reward Points on ticket purchase from irctc.co.in for AC1, AC2, and AC CC (1 Reward Point = Rs. 1)
Get 350 activation bonus point on spending Rs. 500
Get Rs. 100 cash back on first ATM cash withdrawal within 30 days of receiving the card
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
IRCTC SBI Platinum Card
Joining & Annual Fees

Joining Fee - Free
Annual Fee - Rs.999

Cluetip - Fee waived off for annual spend more than Rs. 60,000
5% cashback at Supermarkets, Departmental stores
3 rewards points per INR 150 across all other categories
1000 reward points on first swipe
500 reward points on registration for online banking
20% cash back on all Uber rides up to a max of INR 600 per month(until 30 Sep 2017)
Standard Chartered Manhattan Platinum Card
Joining & Annual Fees

Annual Fee - Rs.499 (one time) + applicable taxes Renewal Fee - Rs.499 (per annum) + applicable taxes
Welcome gift of Yatra.com vouchers worth Rs. 8,250
Get 6X Reward Points on spends of Yatra.com, Departmental and Grocery stores
Get a Yatra.com discount voucher worth Rs. 500 every time you spend Rs. 30,000 on Yatra.com
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
Yatra SBI Card
Joining & Annual Fees

Joining Fee - Rs.1250 + S.T
Annual Fee - Rs.1250 + S.T
2,500 Welcome Bonus JPMiles on joining.
1,250 renewal bonus JPMiles every year
Complimentary airport lounge access
Buy one get one free movie ticket through the week at www.bookmyshow.com
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Jet Airways ICICI Bank Coral Credit Card
Joining & Annual Fees

Joining Fee - Rs.499 + S.T
Annual Fee - Rs.499 + S.T from the second year onwards. The Annual Fee is waived off, if you spend more than Rs.1,25,000 in the previous year.
Discounts on Ferrari merchandise at the Online Ferrari Store
1 complimentary domestic Airport Lounge visit per quarter
2 complimentary movie tickets every month under the Buy 1, Get 1 offer from BookMyShow
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Waiver of 1% on fuel surcharge valid on a maximum spend of ` 4000 per transaction at all HPCL pumps
ICICI Bank Ferrari Platinum Credit Card
Joining & Annual Fees

Joining Fee - Rs.2500 + S.T
Annual Fee - Rs.2500 + S.T
5,000 welcome bonus JPMiles on joining
2,500 renewal bonus JPMiles every year
Complimentary airport lounge access
Earn upto 5 JPMiles for every `100 spent on the card
Buy one get one free movie ticket through the week at www.bookmyshow.com
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Jet Airways ICICI Bank Rubyx Credit Card
Joining & Annual Fees

Joining Fee - Rs.3000 + S.T (get a complimentary set of Sennheiser HD221 Headphones directly delivered to you within 30 days of payment)
Annual Fee - Rs.2000 + S.T* from 2nd year onwards. This fee is waived off if you spend more than Rs. 3,00,000 in the previous year
Complimentary set of Sennheiser HD221 Headphones upon joining
Complimentary round of golf every month at the golf course of your choice based on eligible spends on your card
2 complimentary movie tickets every month under the Buy One Get One offer through www.bookmyshow.com
2 complimentary domestic airport lounge visits per quarter courtesy of MasterCard and 10 domestic airport lounge visits per year courtesy of American Express
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
ICICI Bank Rubyx Mastercard Credit Card
Joining & Annual Fees

Joining Fee - Rs.3500 + Taxes
Annual Fee - Rs.5000 + Taxes
Welcome Gift1 of 5,000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs.4000.
Spend Rs.1.90 lacs in a year and get Travel Vouchers2 worth up to Rs.7,700.
Spend Rs.4 lacs in a year and additionally get Travel Vouchers2 worth up to Rs. 11,8003. Also get a voucher4 worth Rs.10,000 from the Taj Group.
Benefits on your travel bookings with MakeMyTrip.com
Enjoy complimentary membership5 to Priority Pass, with the US$99 annual membership fee waived off.
Enjoy up to 20% discount6 at select premium restaurants, multiple cuisines & more.
Get BookMyShow Vouchers worth Rs. 1,000 on Card Approval
Monthly Blockbusters Programme: Earn movie vouchers worth up to Rs.2000 every month. Know More
View footnotes
The American Express Platinum Travel Credit Card
Joining & Annual Fees

Joining Fee - Rs.500 + S.T
Annual Fee - Rs.500 + S.T* (waived off if spends cross Rs.1,25,000 in the previous year)
2X cash rewards on dining, groceries and at supermarkets.
Buy 1, get 1 movie ticket free at BookMyShow.
Get a complimentary tie from Provogue on joining .
ICICI Bank Coral Credit Card
Joining & Annual Fees

Joining Fee - Rs.5000 + S.T
Annual Fee - Rs.5000 + S.T
10,000 welcome bonus JPMiles on joining
5,000 renewal bonus JPMiles every year
Complimentary airport lounge acces
Earn upto 7 JPMiles for every `100 spent on the card
Complimentary golf rounds, movie tickets, discounts on dining and more!
Jet Airways ICICI Bank Sapphiro Credit Card
Joining & Annual Fees

No Joining Fee. No Annual Fee
Earn 2 PAYBACK points on every Rs.100 spent.
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Save on 1% fuel surcharge, waived off at HPCL petrol pumps
ICICI Bank Platinum Chip Credit Card
Joining & Annual Fees

Joining Fee - Rs. 2,500
Annual Fee - Rs. 2,500
Five complimentary access to 650+ lounges worldwide in a year
Unlimited complimentary access to 25+ lounges across domestic Airports in India
Welcome benefit of 2500 Reward Points + Renewal benefit of 2500 Reward Points
Lowest Foreign Currency Markup of 2%
2X Reward Points on booking air tickets/hotels across 150+ Airlines at www.hdfcbankdinersclub.com
Redeem Reward Points for booking Air Tickets/Hotels across 150+ Airlines at www.hdfcbankdinersclub.com ( 1 Reward Point = Rs. 0.75)
HDFC Bank Diners Premium
Joining & Annual Fees

Joining Fee - Rs. 500
Annual Fee - Rs. 500
2 Reward Points (RP) on Rs 150 spent. 2X Reward Points on online spends
Redeem Reward points as CashBack on your MoneyBack Credit Card (100 Reward Points = Rs 30)
Fuel Surcharge Waiver capped at ? 250 every billing cycle (ST applicable)
HDFC Bank Moneyback Credit Card
Joining & Annual Fees

Joining Fee - Rs. 1,000
Annual Fee - Rs. 1,000
First year and Renewal Membership Fee - Rs. 1000 = applicable taxes
Welcome benefit of 1000 Reward Points and renewal benefits of 1000 Reward Points* (applicable only after membership fee is realised)
Redeem points fro booking Air Tickets/Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com (1 Reward Point = Rs. 0.75)
HDFC Bank Diners Club Rewardz
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
Limited Period Offer (w.e.f 01.11.2016) - Get a Lifestyle voucher worth rs. 500 fir 3265 Reward Points as against 1750 Reward Points
Welcome Benefit = 1000 Reward Points
3 Reward Points on every Rs. 150 spent. Get 50% more on dining spends
HDFC Bank Doctor's Superia Credit card
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
3 points per Rs. 150 spent + 50% additional points on Grocery & Dining spends
Shoppers Stop voucher of Rs. 1,000 on overall spends of Rs. 75,000 every 6 months
Fuel surcharge waiver of 2.5% across any petrol pump in India
HDFC Bank Solitaire Credit Card
Joining & Annual Fees

Joining Fee - Rs.1000 + ST
Annual Fee - Rs.1000 + ST
Welcome Gift: Use card once within 60-days, earn 4000 reward points.
Get 2 reward points per Rs.100 spent for all spends.
Get DOUBLE rewards on Saturday & Sunday, Get 4 reward points per Rs.100 spent on the weekend
Fuel surcharge waiver across all pumps upto Rs. 150 per month
RBL Bank Platinum Delight Credit Card
Joining & Annual Fees

Annual Fee - Rs. 4,999 + taxes
20,000 Reward Points, Complimentary Membership to Air India Frequent Flyer Program
Upto 15 Reward points on every Rs 100 spent on Air India tickets
Rs. 4 per 100 on regular spends
1 Reward Point = 1 Air India Air Mile
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
Air India SBI Signature Card
Joining & Annual Fees

Joining Fee - Rs.750 + ST
Annual Fee - Rs.750 + ST
Welcome Gift: Make your first transaction in 30 days and pay joining fees by payment due date to get 2,000
Get 1 reward point per Rs.100 spent for all spends
Fuel surcharge waiver across all pumps upto Rs.100 per month
Spend Rs. 1.2 lacs in a year, get 4000 Bonus Reward Points
Spend Rs. 1 lac in a year and get annual fee for next year waived off Points
5% Value back or 20 Reward Points per Rs. 100 for all Grocery spends on Wednesdays
RBL Bank Titanium Delight Credit Card
Joining & Annual Fees

Annual Fee - Rs.499 (one time) Renewal Fee - Rs.499 (per annum)
Get Rs. 100/- cash back on first ATM withdrawal
1% Fuel Surcharge Waiver*
On all your other spends, earn 1 Reward Point per Rs 100 spent (4 Reward Points = Rs. 1)
Worldwide acceptance
Easy EMIs with Flexipay
1% fuel surcharge waiver* across all petrol pumps in India.
Enjoy 10X Reward Points on Dining, Grocery, Departmental stores & Movie spends.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
SBI SimplySave
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
Limited Period Offer (w.e.f 01.11.2016) - Get a Lifestyle voucher worth Rs. 500 for 4895 Reward Points as against 3265 Reward Points
Reward Points - 2 Reward Points per Rs. 150/- spent
Weekend Bonanza - 3X Reward Points on weekend spends
2,400 Reward Points on weekend shopping
Gift of 500 Reward Points on Teacher's Day (5th Sept.) every year
0 Lost Card liability post reporting card loss to bank
HDFC Bank Teacher's Platinum Credit Card
Joining & Annual Fees

Annual Fee - Rs.499 (one time) Renewal Fee - Rs.499 (per annum)
2000 Reward Points on spends of Rs. 2000 within first 60 days
Preloaded value of Rs. 50 on your Mumbai Metro Smart Card
Auto top-up of Rs. 200 as soon as the balance reaches Rs. 50
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
Mumbai Metro SBI Card
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
Limited Period Offer (w.e.f 01.11.2016) - Get a Lifestyle voucher worth Rs. 500 for 3265 Reward Points as against 1750 Reward Points
Welcome Benefit of 1000 Reward Points + Renewal Benefit of 1000 Reward Points
Fuel surcharge waiver
Enjoy Double Reward Points on all spends from www.hdfcallmiles.com
Up to 50 interest-free days from the date of purchase
HDFC Bank All Miles Credit Card
Joining & Annual Fees

Joining Fee - Rs. 2,500
Annual Fee - Rs. 2,500
Limited Period Offer (w.e.f 01.11.2016) - Get a Lifestyle voucher worth Rs. 500 for 1630 Reward Points as against 1225 Reward Points
Complimentary Taj Epicure Plus Membership
Complimentary Priority Pass Membership to over 850+ airport lounges
Lowest foreign currency markup of 2% on all foreign spends
0% of the fuel surcharge
HDFC Bank Regalia Credit Card
Joining & Annual Fees

Annual Fee - Rs.499 (one time)
Renewal Fee - Rs.499 (one annum)
10X Reward Points on online spends with exclusive partners – Amazon/BookMyShow/Cleartrip/Foodpanda/Lenskart/OLA/Zoomcar
Welcome e-gift voucher worth Rs. 500* from Amazon
Earn 5X Reward Points on all other online spends
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
SimplyCLICK Contactless SBI Card
Joining & Annual Fees

Joining Fee - Rs. 500
Annual Fee - Rs. 500
Welcome Benefit: 500 reward Points.
6 Reward Points per Rs. 150 on at snapdeal.
2 Reward Points per Rs. 150 spent on all purchases.
4 Reward Points per Rs. 150 spent on 1 category of your choice.
Enjoy exclusive offers from Cleartrip , Freecharge
Fuel Surcharge Waiver capped at Rs. 250 every billing cycle (ST applicable)
Snapdeal HDFC Bank
Joining & Annual Fees

Joining Fee - Rs.3999 + Service Tax and get a complimentary Scuderia Ferrari watch. This will be directly delivered to you within 30 days of payment of the Joining Fee.
Annual Fee - Rs.999 + Service Tax from the second year onwards. The Annual Fee is waived off, if you spend more than Rs. 2,50,000 in the previous year
Complimentary Access to domestic airport lounges in India
Buy One Get One` offer on www.bookmyshow.com
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Waiver of 1% on fuel surcharge valid on a maximum spend of ` 4000 per transaction at all HPCL pumps
ICICI Bank Ferrari Signature Credit Card
Joining & Annual Fees

Annual Fee - Rs. 499 (one time)
Renewal Fee - Rs.499(per annum)
Welcome gift of Rs. 500/- Fbb gift voucher
10% annual discount on purchase of fashion apparels, accessories & footwear at Fbb and Big Bazaar outlets
10X Reward Points on your spends at Big Bazaar, Standalone Fbb and Food Bazaar outlets, and on all your Dining expenditures
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
Fbb SBI STYLEUP Card
 



Credit Card Basics


The Credit card is the most divisive financial tool available. If you talk about the history of Credit cards, they started out as Simple and Standard. Each Card issuer had one card with same set of features. Today credit cards come in multiple ranges with varying features, interest rates, annual fees etc. It is really important an individual knows which Card will suit his/her lifestyle and financial situation.


A brief description of various kinds of credit cards is as follows:


Standard Credit Cards: These are the most common kind of credit cards. They do not require a security deposit to prove that the loan can be repaid. The way the Annual Percentage Rate (APR) is offered or calculated on a standard credit card may vary. For instance:

  1. Balance transfer Credit cards: Balance transfer credit cards allow consumers to transfer a high interest credit card balance onto a credit card with a low interest rate.

  2. Low interest Credit cards: Low interest credit cards offer either a low introductory APR that jumps to a higher rate after a certain period, or a single low fixed-rate APR.

Reward Cards: A rewards card can be beneficial for the right kind of user. You can earn free airline tickets, hotel stays, cash back, gift cards and even novelty vacations, etc.


Before choosing any reward card, however, one needs to consider his Credit card spending tendencies. Ask yourself are you someone who regularly pays the full monthly balance, or do you carry a balance from month-to-month? The interest rate with a rewards card is quite higher when compared to typical Credit cards. If you occasionally carry a balance, it is advised to not go for a rewards card. High interest rates coupled with late fee penalties will mean you will end up losing heavy money while chasing petty rewards.



Different types of reward cards


Cash Back: This type of credit card allows you to earn cash rewards for making purchases. The more the card is used, the more cash rewards you receive. Most cash back cards earn users around 1% of total purchases. I.e. you typically earn cash back worth Rs 100 on purchases of Rs 10,000. Some cards offer a higher cash back percentage with increased usage; others offer a higher cash back percentage at select merchants or for particular types of purchases.
Examples: Citibank Cash Back Credit Card, Shopping Rewards Card.


General Reward Point Credit Cards: In Reward points Cards, cardholders can accumulate points towards a reward structure, which is based on usage of card over the period. E.g. Cardholder is awarded 1 reward point for each rupee he/she spends. There are certain Bonus spend rewards as well for certain annual spending such as:


  Annual Spends   Bonus Reward Point
  Rs. 2 Lakh   10,000
  Rs. 3 Lakh   10,000
  Rs. 4 Lakh   10,000
  Rs. 5 Lakh   20,000

SBI signature contactless card bonus reward points


Hotel/Travel Point Credit cards: This is a genre of credit cards specific to hotels and travel. Some cards are co-branded with hotels. These credit cards allow you to earn points for all purchases, in addition to bonus points for dollars spent on stays at the respective hotel chain. You can redeem your points for free nights and upgrade at the hotel chain your card is co-branded with. Then there are broader hotel and travel cards with which points can be redeemed for travel, theme park admission, stays at major hotel chains and more.


Examples of such Cards are "Yatra SBI Card" and American Express makemytrip Card.


Gas Cards: Gas Cards with points or rebate have a high reward structure for Fuel purchases/Car maintenance. If you drive a lot, consider a gas card for more points on gasoline purchases. Gas cards come in two types: general and brand-specific. A general gas rebate card, for example, may give you 1% cash back for general purchases but rewards you with 5% back for buying gas or having auto maintenance done at any company such as Indian Oil Citibank Platinum Credit Card saves over 5% on your fuel bills.


Airline Miles/ Frequent flier credit cards: There is a subset of reward cards specifically for air travel. This type of card allows consumers to earn airline mile credits whenever they make purchases. Some cards are co-branded with a specific airline, while some are generic and can be redeemed for tickets with a variety of airlines. Points can be redeemed for airline travel, much like frequent flier miles.
Airline Specific Credit Cards: JetPrivilege HDFC Bank World Credit Card
Generic Airline Miles Cards: Complimentary Citibank PremierMiles Credit Card


Secured Credit Cards: Secured credit cards require a security deposit for approval. These cards are useful in reestablishing the credit score. The cards have an annual fee and higher annual interest rates. Most often, these cards are used to reestablish credit. A person can use the card to make small purchases that they can easily repay.


Specialty Credit Cards: These types of cards are for consumers with unique needs for their credit usage, such as business professionals and students. These credit card programs are designed specifically to meet the needs of those individuals.

  1. Business Credit Card: These cards are available for business owners and executives and have many of the same features as traditional credit cards. Some of these bonuses include: Business expenses kept separate from personal expenses; special business rewards and savings; expense management reports; additional cards for employees; and higher credit limits. Example: SBI Platinum Corporate Card

  2. Student Credit Cards: Student credit cards are specifically designed for those enrolled in accredited four-year colleges and universities to help them build a credit history from the ground up. Compared to consumer credit cards, student credit cards are often scaled back somewhat in terms of reward features and other benefits. Example: SBI ADVANTAGE Plus card.
  • WRS Info India Pvt. Ltd.
    Address: E-32, Ground Floor, Sector - 8, Noida,
    Uttar Pradesh, India - 201301
    Email: contactus@deal4loans.com
  • Facebook linkedin Twitter Google plus

    DMCA.com
    © Copyright 2017, Deal4loans, India
  • Disclaimer: Information is sourced from respective Banks websites. We don't provide Loans on our own but ensures your information is sent to bank which you have opted for and we do not charge any fee from our customers. We don't do short term loans. Deal4loans has no sales team on its own and we just help you to compare loans. We do not provide any dsa of Banks. All loans are on discretion of the associated Banks. Read More