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Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
Earn 4 Reward Points* on Rs 150/- Credit Card spends
Rs 1 crore compensation cover n case of death in an air accident Fuel surcharge waiver Zero liability on lost of card
Avail of up to 50 interest free days from the date of purchase
HDFC Bank Diners Premium
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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
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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
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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
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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
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Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Benefits worth Rs 20000
5 X rewards on Dining, Entertainment, Utility Bills & International transactions
Swipe within 60 days and get 8000 reward points
Earn 2 rewards for every Rs. 100 spent and earn
Use your card for purchases of Rs 2 Lakhs or more in a year and get 10,000 reward points
Get additional 10,000 reward points on further achieving 3.5 Lakhs of annual spends on the card
RBL Bank Platinum Maxima Credit Card
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Joining & Annual Fees

Joining Fee - As applicable by Bank
Swipe within 60 days and get 4000 runs or Delhi daredevil fan kit
Earn 2 Runs for every Rs 100 swiped and 4 Runs for swipe on Dining, Air Travel & Hotels
Earn 6 Runs at partner stores
1 wicket for every 1 lac of spent
RBL Bank Platinum Cricket Credit Card
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Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Benefits worth Rs 9000
No Fuel Surcharge
One movie ticket free upto Rs 200 every Wednesday on Bookmyshow
5% value back on Big Bazaar every wednesday
10% value back on Pizza Hut/Domino's every wednesday
Swipe within 60 days and get 2000 reward points. Spend Rs 10,000 and get additional 1,000 reward points
RBL Bank Titanium Delight Credit Card
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Joining & Annual Fees

*Limited offer

Get Rs.500 gift card from American Express on card approval.

First Year fee : Rs. 1000*
Second Year onwards : Rs.4500*
Get a Welcome Gift* of 4000 Bonus Membership Rewards Points.
Earn 1000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions above Rs 1,000 every month.
Upto 20% off every time you dine* 2 Complimentary Supplementary Gold Cards.
American Express Gold Card
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Joining & Annual Fees

First year fee: Rs.750*
Second year onwards: Rs.1,500*
Welcome Gift: Enjoy a welcome gift of MakeMyTrip vouchers worth Rs. 9,000 (9 vouchers of Rs. 1,000 each)
Enjoy 5% cashback on your MakeMyTrip bookings.
Get a MakeMyTrip voucher worth Rs. 2,000 on spending Rs. 1.25 lakhs and an additional MakeMyTrip voucher worth Rs. 5,000 on spending Rs. 2.5 lakhs, every year.
American Express MakeMyTrip Credit Card
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Joining & Annual Fees

Joining Fee - Rs. 499
Annual Fee - Rs. 499
Enjoy 10 Reward Points per Rs.100 spent on Dining, Movies, etc.
0% fuel surcharge Earn 1 Reward Point on everyRs.1 spend00
Free add-on credit cards that
SBI SimplySave
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Joining & Annual Fees

Joining Fee - Rs. 2,999
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
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Joining & Annual Fees

Joining Fee - Rs. 4,999
Annual Fee - Rs. 4,999
Get e-Gift Voucher worth Rs. 5,000*
Get Rs. 500 off on BookMyShow once every month Enjoy 5X Reward Points on Dining, Movies, etc.
Complimentary membership to the Elite Priority Pass program worth $99
SBI Signature Card
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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
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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 www.hdfcbankallmiles.com
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
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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
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Joining & Annual Fees

Joining Fee - Rs. 499
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
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Joining & Annual Fees

Joining Fee - Rs. 1,499
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
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Joining & Annual Fees

Joining Fee - Rs. 4,999
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
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Joining & Annual Fees

Joining Fee - Rs. 499
Annual Fee - Rs. 499
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
Welcome gift of Rs. 500 worth Fbb gift voucher.
Anniversary gift* of 2,000 Bonus Reward Points every year
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.
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  • Disclaimer: Information is sourced from respective Banks websites. We don't provide Loans on our own but ensures your information is sent to bank/agent 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 .All loans are on discretion of the associated Banks/Agents.Read More