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Joining & Annual Fees

Joining Fee - Rs.399
Annual Fee - Rs.750
5X Reward Points on fuel spends in India
Earn 2X Reward Points for every Rs. 150 spend across all categories.
Get 5X Rewards at leading hotels, dining outlets and more, both in India and overseas.
20% cash back on making payment for Uber rides*.
INR 50 off on first 3 rides for new to UBER users*.
(*offer valid till Sep 2017)
Standard Chartered Platinum Rewards card
Joining & Annual Fees

Joining Fee - Rs.499
Annual Fee - Rs.999
5% cash back on purchase from MORE, Reliance Fresh, Big Bazaar, Food Bazaar.
5X Reward Points on Hotels, Dining, Airline ticket reservation, Fuel
Earn up to Rs. 150/- cashback every month and Rs. 150/- per transaction
20% cash back on making payment for Uber rides*.
INR 50 off on first 3 rides for new to UBER users*.
(*offer valid till Sep 2017)
Standard Chartered Manhattan Platinum Card
Joining & Annual Fees

Joining Fee - Rs.499
Annual Fee - Rs.750
1 Reward Point for every Rs. 100/- spent on all categories
5% cash back on all fuel spends at any petrol pump
20% cash back on making payment for Uber rides*.
INR 50 off on first 3 rides for new to UBER users*.
(*offer valid till Sep 2017)
Standard Chartered Super Value Titanium card
Joining & Annual Fees

Joining Fee - Nil
Annual Fee - Rs.2500
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 - As applicable by Bank
Annual Fee - As applicable by Bank
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 - As applicable by Bank
Annual Fee - As applicable by Bank
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
Annual Fee - Rs.4500
Welcome gift1 of Rs. 1,000 as Statement Credit on successful Card approval.
1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month.
Greater flexibility2 in spending with "no pre-set" limit.
3% cash back3 at leading fuel stations across India.
Redeem rewards points from the fabulous 18 carat and 24 carat Gold Collection
Benefits on your travel bookings with MakeMyTrip.com
American Express Gold Card
Joining & Annual Fees

Joining Fee - Rs.3500
Annual Fee - Rs.5000
Welcome Gift1 of 5,000 Milestone Bonus Membership Rewards Points redeemable for IndiGo Vouchers worth Rs.4000.
Spend Rs.1.90 lacs in a year and get IndiGo Vouchers2 worth more than Rs.7,700.
Spend Rs.4 lacs in a year and additionally get IndiGo Vouchers2 worth more than Rs.11,80033. Also get a voucher4 worth Rs.10,000 from the Taj Group.
4 complimentary visits per year to 31 airport lounges in Delhi, Mumbai, Bengaluru and 10 other cities.
Get 3% cash back5 at leading fuel stations across India
American Express Platinum Travel Credit Card
Joining & Annual Fees

Joining Fee - Rs.750
Annual Fee - Rs.1500
Welcome gift1 of 2 MakeMyTrip vouchers, each worth Rs.1,000.
Discounted access to 31 Domestic Airport Lounges2 at 14 cities in India.
Up to 70% Cash back3 on Hotel bookings made via MakeMyTrip.com.
3% cash back4 at leading fuel stations across India.
5% cashback5 on your MakeMyTrip bookings.
American Express MakeMyTrip 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
2.5% Fuel Surcharge Waiver*
4 Reward Points = Rs. 1/- X Dining
Worldwide acceptance
Easy EMIs with Flexipay
SBI SimplySave
Joining & Annual Fees

Annual Fee - Rs.2999 (one time)
Renewal Fee - Rs.2999 (per annum)
Welcome e-Gift worth Rs. 3,000
5 Reward Points = Rs. 1 X Dining
Access to more than 300 golf courses across the world
Balance transfer on EMI
Get a card for anyone from family
SBI 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
Free Movie Tickets worth Rs. 6,000 every year
SBI Card Elite
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

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 - 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 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/FabFurnish/Lenskart/OLA/Zoomcar
Welcome e-gift voucher worth Rs. 500* from Amazon
Earn 5X Reward Points on all other online spends
2.5% fuel surcharge waiver*
SimplyCLICK Contactless SBI Card
Joining & Annual Fees

Annual Fee - Rs.1499 (one time)
Renewal Fee - Rs.1499 (per annum)
5000 Reward Points as a welcome gift on the payment of your joining fee
Convert your Reward points into Air India miles (1 Reward Pint = 1 Air India Air mile)
Enjoy complimentary lost card liability cover of Rs. 1 lakh
Air India SBI Platinum Card
Joining & Annual Fees

Annual Fee - Rs.4999 (one time
Renewal Fee - Rs.4999(per annum)
20,000 Reward Points as welcome gift on payment of your joining fee
4 Reward Points for every Rs. 100 spent on Air India
Get up to 1,00,000 Reward Points annually
Air India SBI Signature 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
Fbb SBI STYLEUP 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
IRCTC SBI Platinum 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
Mumbai Metro SBI 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
Yatra SBI Card
Joining & Annual Fees

Joining Fee - Rs. 3,000 Joining Fee - Rs.3,000
Earn 4 Emirates Skywards Miles for every Rs. 150 spent
Get 27,000 bonus Skywards Miles when you join
Save Rs. 25,000 p.a by applying for an Emirates Platinum Card
Standard Chartered Emirates Platinum card
Joining & Annual Fees

Joining Fee - As applicable by Bank
Annual Fee - As applicable by Bank
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
 



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 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