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Joining & Annual Fees

Joining Fee - Rs.250
Annual Fee - Rs.250
*Fee waived off on annual spends of Rs.60,000 or more in a membership year
Welcome Benefit - One time 100% cashback upto Rs 500 on spends at restaurants within 1st 90 days
Earn 5 reward points for every Rs 150 spent at fine-dining outlets
Earn 1 reward points for every Rs.150 spent on all other categories
1 reward point = Rs.0.30
Get 5% cashback (max. cashback of Rs.2,500) every Tuesday at Croma. Offer valid till 26 Mar 2019.
Upto 12% discount on Hotels.com.Offer valid till March 31st 2019. T&C apply
Existing users get an instant discount of Rs 200 on Grofers on min spends Rs 1,500 on Thursday. Use promo code SCB200.Offer Valid till 31 March 2020
Standard Chartered Platinum Rewards card
Joining & Annual Fees

Annual Fee - Rs. 1000
WELCOME BENEFITS: Range of gift vouchers for shopping, apparel, dining and many more categories.
REWARDS: Earn 2 Reward Points for every Rs. 150 spent on your card.
Earn 5 Reward Points* on every Rs.150 spent on Dining spends on weekdays
REWARDS REDEMPTION: REWARDS CATALOGUE
LIFESTYLE BENEFITS: upto 25% off on movies, upto 25% off on shopping and upto 15% off on dining
OTHER BENEFITS:
  • UPTO 50 Days interest free period
  • Petrol Surcharge Waiver on min 400 to 5000 (Capped at 250/Billing Cycle)
  • Zero liability on lost card
  • Utility Bill payment service with Smart-Pay
  • Get movie discounts of Rs. 1,800/- or more in a year! (Assuming you book 4 movie tickets every month @ Rs. 150 per ticket at participating movie outlet)
  • Earn big discounts of Rs. 4,500/- or more every year on dining! (Assuming you dine for Rs. 2,500 every month at participating dining outlet with 15% discount)
  • Save Rs. 1,500/- in a year on your fuel transactions! (Assuming your average fuel purchase every month is Rs. 5,000/-)
HDFC Bank Platinum Times Card
Joining & Annual Fees

First Year Fee: NIL
2nd Year Fee:INR 1,500* + applicable taxes
* The 2nd Year Annual Membership Renewal fee of INR 1,500 + Applicable taxes will be 100% waived off if total spends in the immediately preceding membership year is INR 150,000; else 50% waived off if total spends in the immediately preceding membership year is INR 90,000. No fee waiver will be granted if you do not meet the above spends threshold.
  • Valid for new to bank customer. i.e existing American Express Customer will not be allowed to apply for this offer.
    Offer Valid till 31st Dec 2019
  • Existing: No welcome gift as it is a First Year Free card on partner platform.
    New: 2,000 Bonus Membership Rewards Points, to be awarded as Welcome Gift on completing cumulative spend of INR 25,000 within the first 90 days of Card Membership.
    MITC
    The American Express Membership Rewards® Credit Card
    Joining & Annual Fees

    Joining Fee - Rs.750
    Annual Fee - Rs.750
    *Fee waived off on annual spends of Rs.90,000 or more in a membership year
    Welcome Benefit - BookMyShow vouchers worth Rs.1,000. T&C Apply
    Earn 5% cashback on fuel spends in India
    Earn 5% cashback on all Telecom & utility bill payments
    Earn 1 reward points for every Rs.150 spent
    1 reward point = Rs.0.30
    One time 100% cashback upto Rs 1,500 on fuel spends within 1st 90 days.
    Get 5% cashback (max. cashback of Rs.2,500) every Tuesday at Croma. Offer valid till 26 Mar 2019.
    Upto 12% discount on Hotels.com.Offer valid till March 31st 2019. T&C apply
    Existing users get an instant discount of Rs 200 on Grofers on min spends Rs 1,500 on Thursday. Use promo code SCB200.Offer Valid till 31 March 2020
    Standard Chartered Super Value Titanium card
    Joining & Annual Fees

    First Year Card Fee - Rs. 6,000
    Second Year Card Fee - Rs.3,000
    Offer: The offer means 14,000 welcome bonus Skywards Miles on activation of card within 30 days of setup and cashback of Rs. 3,000 upon meeting overall spends threshold of Rs. 3 Lacs within 6 months of card setup
    Offer Period: Card applications received during the period 1 March 2019 to 31 May 2019
    Qualified Customer: Offer valid for Emirates Standard Chartered World Card

    Detailed process to avail the offer:

    'Spends' would mean retail transactions. Any card fee or cash withdrawal shall not be included in the calculation of spends
    This offer cannot be clubbed with any other acquisition offer/promotion of Standard Chartered Bank
    Standard Chartered Bank will tag approved card applications with a specific code and only such applications will be eligible for the offer. Click here for more details
    Existing users get an instant discount of Rs 200 on Grofers on min spends Rs 1,500 on Thursday. Use promo code SCB200.Offer Valid till 31 March 2020
    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 ELITE Card
    Joining & Annual Fees

    Annual Fee - Rs. 500
    WELCOME BENEFITS: Range of gift vouchers for shopping, apparel, dining and many more categories.
    REWARDS: Earn 2 Reward Points for every Rs. 150 spent on your card.
    Earn 5 Reward Points* on every Rs.150 spent on Dining spends on weekdays
    REWARDS REDEMPTION: REWARDS CATALOGUE
    LIFESTYLE BENEFITS: upto 25% off on movies, upto 25% off on shopping and upto 15% off on dining
    OTHER BENEFITS:
    • UPTO 50 Days interest free period
    • Petrol Surcharge Waiver on min 400 to 5000 (Capped at 250/Billing Cycle)
    • Zero liability on lost card
    • Utility Bill payment service with Smart-Pay
    • Get movie discounts of Rs. 1,800/- or more in a year! (Assuming you book 4 movie tickets every month @ Rs. 150 per ticket at participating movie outlet)
    • Earn big discounts of Rs. 4,500/- or more every year on dining! (Assuming you dine for Rs. 2,500 every month at participating dining outlet with 15% discount)
    • Save Rs. 1,500/- in a year on your fuel transactions! (Assuming your average fuel purchase every month is Rs. 5,000/-)
    HDFC Bank Titanium Times 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
    Get 2 Reward points for every Rs. 100 spent
    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
    save 1.8% transaction charges, exclusive of GST and all other charges, when you book railway tickets on irctc.co.in
    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 - Rs.999
    Annual Fee - Rs.999
    *Annual Fee waived off on annual spends of Rs.120,000 or more in a membership year
    Welcome Benefit - BookMyShow vouchers worth Rs.2000. T&C Apply
    Earn 5% cashback at Supermarkets, Departmental stores
    Earn 3 reward points for every Rs.150 spent across all other categories
    1 reward point = Rs.0.30
    Get 5% cashback (max. cashback of Rs.2,500) every Tuesday at Croma. Offer valid till 26 Mar 2019.
    Upto 12% discount on Hotels.com.Offer valid till March 31st 2019. T&C apply
    Existing users get an instant discount of Rs 200 on Grofers on min spends Rs 1,500 on Thursday. Use promo code SCB200.Offer Valid till 31 March 2020
    Standard Chartered Manhattan Platinum Card
    Joining & Annual Fees

    Joining Fee: Rs.1499 (one time)
    Annual Fee: Rs.1499 (Subsequent year annual fee will be waived on spending Rs. 2 lakhs in a year)
    Add-on card fee: NIL
    Welcome e-Gift Voucher worth Rs. 1,500 from Yatra.com
    Professional Indemnity Insurance Cover of Rs. 10 Lakhs for reimbursement of all Legal & defense costs, out-of-court settlement expenses and court awards
    5X Reward Points on Medical Supplies, Travel Bookings & International Spends
    5X Reward Points on all spends on Doctor's Day i.e. 1st July
    1 Reward Point per Rs. 100 for all other spends
    E-Gift Voucher from Yatra.com/Bata/Shoppers Stop worth Rs. 5,000 on achieving annual spends of Rs. 5 Lakhs
    8 complimentary visits per year to Domestic Airport Lounges in India (max. 2 visits per quarter)
    Complimentary membership to the Priority Pass Program worth $99 with 4 complimentary visits per year to International Airport Lounges outside India (max. 2 visits per quarter)
    1% Fuel Surcharge Waiver at petrol pumps across the country*
    DOCTOR'S SBI CARD
    Joining & Annual Fees

    Annual Fee - Rs.499
    Renewal Fee - Rs.499
    Welcome Gift of Rs. 8,250 worth Yatra.com vouchers on payment of joining fee
    Travel Benefits
    Domestic Flight bookings - Rs.1000 off on total fare. Minimum booking amount of Rs.5,000
    International Flight bookings - Rs.4000 off on total fare. Minimum booking amount of Rs.40,000
    Domestic Hotel bookings - Flat 20% off on Minimum booking amount of Rs.3,000. Maximum discount of Rs.2,000 on each transaction
    Maximum 6 usages on any category, every calendar year
    To Avail the Travel benefit, use Promo code 'TRAVEL' at the time of booking. Promo code can be used maximum 6 times in every calendar year
    Get 6 Reward Points on every Rs.100 spent at Departmental and grocery stores, Dining, Movies, Entertainment and International spend
    Exclusive access to MasterCard airport lounges in India
    Get Rs.50 lac Air Accidental death benefit for Primary cardholder when ticket is booked on Yatra.com using Yatra SBI Card
    1 Reward Point = Rs.0.25 (Reward Points redeemable at Yatra.com)
    (Annual Renewal Fee waived off on annual spends of Rs.90,000 in the last year)
    1% fuel surcharge waiver at all petrol pumps
    Yatra SBI Card
    Joining & Annual Fees

    Joining Fee: Rs.1499 (one time)
    Annual Fee: Rs.1499 (Subsequent year annual fee will be waived on spending Rs. 2 lakhs in a year)
    Add-on card fee: NIL
    Welcome e-Gift Voucher worth Rs. 1,500 from Yatra.com
    The only credit card to be associated with the esteemed Indian Medical Association (IMA)
    Professional Indemnity Insurance Cover of Rs. 20 Lakhs for reimbursement of all Legal & defense costs, out-of-court settlement expenses and court awards
    5X Reward Points on Medical Supplies, Travel Bookings & International Spends
    5X Reward Points on all spends on Doctor's Day i.e. 1st July
    1 Reward Point per Rs. 100 for all other spends
    E-Gift Voucher from Yatra.com/Bata/Shoppers Stop worth Rs. 5,000 on achieving annual spends of Rs. 5 Lakhs
    8 complimentary visits per year to Domestic Airport Lounges in India (max. 2 visits per quarter)
    Complimentary membership to the Priority Pass Program worth $99 with 4 complimentary visits per year to International Airport Lounges outside India (max. 2 visits per quarter)
    1% Fuel Surcharge Waiver at petrol pumps across the country*
    DOCTOR'S SBI CARD (IMA)
    Joining & Annual Fees

    Annual Fee - Rs.499 PA + GST
    Renewal Fee - Rs.499 PA + GST
    Welcome Offer - 2000 Bonus Reward Points
    4.25% Value back ~ 13X reward points on fuel purchases
    5X Reward points on every Rs.100 spend at Groceries, Departmental stores, Movies & Dining
    5X Reward Points per Rs. 100 spent on standing instructions for Utility Bills payments
    1 Reward point on all other retail spends, except fuel ( 1 RP = Rs 0.25)
    No Minimum Threshold. Surcharge Waiver applicable only on transactions up to Rs. 4000/- for a max of Rs. 100/- per month.
    Welcome Offer - Bonus Reward Points
    • Customer will get 2000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee.
    • Reward Points will be credited after 20 days of the payment of joining fee and the same can be redeemed instantly against fuel purchase at BPCL outlets, BPCL Vouchers or at Shop n Smile
    BPCL SBI Card More Benefits
    BPCL SBI Card
    Joining & Annual Fees

    Joining Fee : Nil
    Annual Fee : Rs 1000*
    *Zero Annual Fee on spend of Rs.30000 or more in a membership year
    Get 1,500 bonus points on your first spend made within 30 days of card issue
    Get 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card issue
    Earn 10X Reward Points for every Rs.125 spent at apparel and department stores and select partners
    Earn Reward Points at rate of 1 point for every Rs.125 on all other purchases
    Get 300 bonus points on card spends of Rs.30,000+ in a month
    Up to 15% savings across participating restaurants.
    Get instant redemption against movie tickets, travel bookings, mobile services , and more.
    Get EMI privileges on shopping, consumer electronics, mobile phone outlets, leading retail chains and e-retailers
    Your reward points will never expire
    Bookmyshow Offer valid till Feb 28th 2019
    Citi Rewards Credit Card
    Joining & Annual Fees

    Joining Fee : Nil
    Annual Fee : Rs 1000*
    *Zero Annual Fee on spend of Rs.30000 or more in a membership year
    Get Rs.250 worth of activation benefits*limited offer
    Save more on fuel at IOC outlets.
    4 Turbo Points on Rs.150 spent on fuel at authorized IndianOil outlets (2.67% savings)
    Complete waiver of 1% fuel surcharge at authorized IndianOil outlets.
    Get up to 71 litres of free* fuel annually by redeeming your turbo points for fuel at 1200+ authorized IndianOil outlets
    Turbo Points never expire ! 1 Turbo point - 1 Rs.
    Up to 15% savings on dining across participating restaurants
    Bookmyshow Offer valid till Feb 28th 2019
    IndianOil Citi Credit Card
    Joining & Annual Fees

    Joining Fee : Rs.3,000
    Annual Fee: Rs.3,000* ( 2nd Year Onwards )
    *First year fee waived for Citi Priority clients
    Get 10,000 Miles on spending of Rs.1,000 within the first 60 days.
    Earn 10 Miles on every Rs.100 spent on flight tickets and hotel stays on bookings made at www.premiermiles.co.in and with select partners
    Redeem miles for flight tickets across 100+ airlines at www.premiermiles.co.in and with select partners
    Enjoy complimentary access at key airport lounges across India
    Get a complimentary Air Accident Insurance coverage up to Rs.1 crore
    Up to 15% savings on dining across participating restaurants
    Bookmyshow Offer valid till Feb 28th 2019
    Citi PremierMiles Credit Card
    Joining & Annual Fees

    Joining Fee : Rs.500
    Annual Fee: Rs.500
    Enjoy 5% cashback on movie ticket purchases, telephone bill payment and all types of utility bill payments through Citibank Online Bill Pay service
    Get 0.5% cashback on all your purchases
    Avail up to 15% off on dining across 2000 partnered restaurant
    Cashback of INR 500 is automatically credited to the statement
    Savings and offers on shopping across 100 plus stores
    Get EMI privileges on shopping, consumer electronics, mobile phone outlets, leading retail chains and e-retailers
    Bookmyshow Offer valid till Feb 28th 2019
    Citi Cash Back Credit Card
    Joining & Annual Fees

    Joining Fee: Rs.499 (one time)
    Annual Fee: Rs.499 (Subsequent year annual fee will be waived on spending Rs. 90,000 or more in a year)
    Add-on card fee: NIL
    Get 500 Reward Points worth Rs. 500 on payment of joining fee.
    Complimentary Apollo Silver Tier Membership.
    3X Reward Points on every Rs. 100 spent on all Apollo services.
    Get Upto 10% Instant Discount at Select Apollo Services.
    2X Reward Points on every Rs. 100 spent on Dining, Movies & Entertainment.
    Enjoy 3 Reward redemption options: Instant Redemption at POS, Convert Reward Point into Health Credits or Apollo Vouchers.
    APOLLO SBI CARD
    Joining & Annual Fees

    Joining Fee: Rs.1499 (one time)
    Annual Fee: Rs.1499 (Subsequent year annual fee will be waived on spending Rs. 3 lakhs or more in a year)
    Add-on card fee: NIL
    Welcome 2500 Etihad Guest Miles
    Introductory offer*: Avail 8% off on Economy and 10% off on Business class with Etihad Airways
    Complimentary Etihad Guest Silver tier status post first card transaction
    3 Etihad Guest Miles on every Rs. 100 spent on Etihad.com
    2 Etihad Guest Miles on every Rs. 100 spent on International spends
    Upto 10% (3% on Economy Class and 10% on Business class) discount on direct Etihad Airways booking
    5% discount on travel rewards miles redemption
    5,000 Etihad Guest miles on annual spends of 5 lakhs
    Complimentary overseas air accident coverage of Rs. 25 Lakh
    Complimentary Fraud liability cover of Rs. 50K
    Complimentary Lost baggage allowance of up to USD 1000
    Complimentary membership to the Priority Pass Program worth $99 with 8 complimentary visits per year to domestic Visa/MasterCard Lounges in India(Max 2 visits per quarter)
    1% Fuel Surcharge Waiver at petrol pumps across the country.
    ETIHAD GUEST SBI CARD
    Joining & Annual Fees

    Joining Fee: Rs.4999 (one time)
    Annual Fee: Rs.4999 (Subsequent year annual fee will be waived on spending Rs. 3 lakhs or more in a year)
    Add-on card fee: NIL
    Welcome 5000 Etihad Guest Miles
    Introductory offer*: Avail 8% off on Economy and 10% off on Business class with Etihad Airways
    Complimentary Etihad Guest Gold tier status post first card transaction
    6 Etihad Guest Miles on every Rs. 100 spent on Etihad.com
    4 Etihad Guest Miles on every Rs. 100 spent on International spends
    2 Etihad Guest Miles on every Rs. 100 spent on other spends except fuel
    Upto 10% (3% on Economy Class and 10% on Business class) discount on direct Etihad Airways booking
    Upto 10% discount on travel rewards miles redemption
    1,500 Etihad Guest miles on achieving spends of Rs. 150000 in a calendar quarter
    Complimentary overseas air accident coverage of Rs. 50 Lakh
    Complimentary Fraud liability cover of Rs. 1 lakh
    Complimentary Lost baggage allowance of up to USD 1000
    Complimentary membership to the Priority Pass Program worth $99 with 4 complimentary Airport Lounge visits per year, outside India (max. 2 visits per quarter)
    8 complimentary visits per year to domestic Visa Lounges in India(Max 2 visits per quarter)
    1% Fuel Surcharge Waiver at petrol pumps across the country.
    ETIHAD GUEST SBI PREMIER 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.
    Criteria for triggering Welcome Gift: Payment of annual fee and cumulative spends of INR 5K within 60 days of card issuance.
    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 Hotels, Resorts and Palaces.
    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.
    MITC
    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. 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 - NILL
    Annual Fee - NILL
    Welcome Benefit: 500 Reward Point as Welcome Benefit on Fee realisation only
    Cash Back Benefit: Reward points can be redeemed as cashback 1 RP = 0.10 Paisa
    Reward Points/Miles Benefit: 25X reward Ppints on Birthday spends
    10X reward points on PayZapp & Smart Buy spends
    5X Reward Points on Dining/Movies/Groceries/ Railways/Taxis spends
    1 reward point on every Rs 150 for all other spends
    Redeem Reward Points for Cash Back or Reward Catalogue
    Gift Voucher worth Rs 1000on annual spends of Rs 90,000 and higher
    Lifestyle Benefit
    Travel Benefit
    Fuel surcharge waiver: Upto Rs. 250 per billing cycle
    Dining Benefit
    Product USP: Everything you explore will be rewarding
    HDFC Bank Freedom Credit Card 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 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

    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
    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

    Annual Fee - Rs.499 (one time)
    Renewal Fee - Rs.499 (per annum)
    Enjoy 10X Reward Points on Dining, Grocery, Departmental stores & Movie spends.
    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
    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 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 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 - 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 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 Contactless 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

    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.