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Joining & Annual Fees

Annual Fee - Rs 500
Get 5% Cash Back for spends on Movies
Get 5% Cash Back for spends on telephone bill payments
Get 5% Cash Back for spends on utility bill payments through Citi Bill pay*
Get 0.5% Cash Back for all other spends
Citi Cash Back Card
Joining & Annual Fees

Annual Fee - Rs.1000(Rs 0 with a spend of Rs.30000 or more in a membership year
Get 1,500 bonus points on first-spend made within 30 days of Card issue*
Earn 10X rewards at apparel & departmental stores & select partners like Flipkart and*
Citi Rewards Card
Joining & Annual Fees

Welcome Benefit of 5000 Reward Points on payment of membership fees & joining fee(as applicable)
Earn 4 Reward Points on Rs 150/- Credit Card spends
Dedicated Concierge Services and Dining offers
Access to 500+ worldwide Airport Lounge under Club Lounge program (including domestic lounge)
HDFC Bank Diners Premium
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
Enjoy 200% more Reward Points* on all your online spends
2 Reward Points for every Rs. 150 you spend
Fuel Surcharge Waiver Zero liability on lost of card
Get first year fee reversed by spending Rs. 10K in first 90 days
HDFC Bank Moneyback Credit Card
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
10X Reward Points on your online shopping, travel, and more
15% discount on dinning Redeem Reward points for booking Air Tickets / Hotels
Air accident cover of Rs. 50 lakhs
Get first year fee reversed by spending Rs 15K in first 3 months
HDFC Bank Diners Club Rewardz
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
Complimentary Priority Pass Membership and MasterCard Lounge program Fuel Surcharge Waiver
Enjoy redemption of Reward Points at over 20 international airlines through
KrisFlyer - Singapore Airline's Frequent Flyer Program
Redemption of Reward Points against air miles on Jet Airways, and Air India. You can also redeem your Reward Points 50% and more rewards points for dinning out
HDFC Bank Doctor's Superia Credit card
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
Earn 3 Reward Points for every Rs.150 spends. 50% more Reward Points on grocery & dining spends
Earn shopping voucher from Shoppers Stop worth Rs.1,000 on cummulative spends of Rs. 75,000 within 6 months (limited to 2 per annum)
Redeem reward points againt air miles/ air vouchers of leading domestic airlines or for exciting gifts from rewards catalogue.
HDFC Bank Solitaire Credit Card
Joining & Annual Fees

Annual Fee - Rs.1000(Rs 0 with a spend of Rs.30000 or more in a membership year)
1 Turbo Point = Re 1 Free Fuel.
4 Turbo Points on Rs.150 spent on fuel at authorized IndianOil Retail Outlets*.
2 Turbo Points on Rs.150 spent at grocery stores and supermarkets".
Indian Oil Citibank Card
Joining & Annual Fees

Annual Fee-499(Zero fee with a spend of Rs.30000 or more in a membership year)
2.5% Fuel Surcharge Waiver.
Free Add on credit card
4 Reward points=Rs 1xd
SBI SimplySave
Joining & Annual Fees

Annual Fee - Rs. 2,999
Welcome Gift worth Rs. 2,999
Welcome e- Gift Voucher worthRs.3,000*
Enjoy 5X Reward Points on Dining, Movies, etc.
Get spend rewards on annual spending of Rs.4 lakhs and 5 lakhs, each Complimentary lounge access to Visa lounges in India and abroad
SBI Platinum Card
Joining & Annual Fees

Annual Fee - Rs. 4,999
24/7 Conceirge service | Lounge access at over 850 airports worldwide.
onvenience of contactless technology | Special discounts on health resorts and spas.
Attractive discounts on Golf | Upto 50,000 Bonus Reward Points annually.
SBI Card Elite
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
2 Reward Points per Rs. 150 spent.
3X Reward Points on weekend spends.
500 Reward Points on Teacher's Day (Sept 5th) every year.
Earn 2,400 Reward Points or more in a year on weekend shopping alone!
HDFC Bank Teacher's Platinum Credit Card
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
3 Reward Points (RP) on Rs.150 spent.
Double Reward Points on shopping at
1 Reward point=0.75 miles across 500 International & Domestic airlines
Complimentary Priority Pass Membership and VISA/MasterCard Lounge program.
HDFC Bank All Miles Credit Card
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
Complimentary Airport Lounge Access through Priority Pass Membership.
Lowest Foreign Currency Mark-up Fee of 2% on international transactions
Upto 15% discount and more on dining at leading five-star hotels Complimentary Taj InnerCircle Gold membership
HDFC Bank Regalia Credit Card
Joining & Annual Fees

Annual Fee - Rs. 499
Earn 10X rewards on online spends with exclusive partners
2.5% fuel surcharge waiver for each transaction
E-voucher worth Rs.2,000 on annual online spends of Rs. 1 Lakh
Get a welcome e-gift voucher worthRs..500* from Amazon
SimplyCLICK SBI Card
Joining & Annual Fees

Annual Fee - Rs. 1,499
Get 5,000 Reward points as a welcome gift on the payment of your joining fee
Get 10 Reward points for every Rs. 100 that you spend buying Air India tickets
Complimentary Visa Lounge Access Program at major domestic airports
Complimentary lost card liability cover of Rs.1 lakh
Air India SBI Platinum Card
Joining & Annual Fees

Annual Fee - Rs. 4,999
20,000 Reward Points as Welcome Gift
Card Anniversary gift of 5,000 Reward Points every year.
4 Reward points for every Rs.100 spent on Air India SBI Signature Card.
International Airport Luxury Lounge Access to over 600 airport lounges with complimentary Priority Pass Program
Air India SBI Signature Card
Joining & Annual Fees

Annual Fee - Rs. 499
Rs. 500 worth Fbb gift voucher as a welcome gift.
Flat 10% discount on all fashion apparel, fashion accessories & footwear, at Fbb & Big Bazaar outlets.
Earn 10X Reward Points on all your Big Bazaar, Fbb, Food Bazaar & Dining spends.
Joining & Annual Fees

Annual Fee - Rs.3000
Earn 10 Miles for every Rs.100 spent on all airline transactions
Earn 10 Miles for every Rs.100 spent on exclusive website and with our select partners.
Redeem Miles across over a 100 domestic and international airlines
Transfer your Miles to any of our hotel & airline partners.
Citi Premiermiles Credit 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.
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