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Joining & Annual Fees

Joining Fee - ₹ 250 + GST
Renewal Fee - ₹ 250 + GST
Offer: Apply now and get Amazon Pay Gift Card worth Rs 500, on Minimum Single Transaction of Rs 500 within 30 days of the credit card setup.
For detailed T&Cs you can refer T&Cs
5 Reward Points / INR 150 Spend on Hotel, Restaurants & Fuel Spends
1 Reward Point / INR 150 Spend - All Other Spends
Joining Benefits: 100% cashback up to INR 500 on transactions at restaurants within first 90 Days
Renewal Benefits: Renewal fee (2nd year onwards) waived on spends greater than INR 60,000 in the previous year
Standard Chartered Platinum Rewards 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

Joining fee: No Joining Fee
Monthly Usage Fee: INR 49 +GST
Offer: Apply now and get Amazon Pay Gift Card worth Rs 500, on Minimum Single Transaction of Rs 500 within 30 days of the credit card setup.
For detailed T&Cs you can refer T&Cs
20% off at Myntra - Up to INR 700 Discount / Month
15% cashback on Ola - Up to INR 600 Cashback / Month
10% off on Zomato - Up to INR 750 Discount / Month
10% off on Grofers - Up to INR 1,000 Discount / Month
Weekends with BOGO offer on Inox - Up to INR 400 Discount / Month
Discount at Yatra on domestic flights , international flights , domestic hotels / Qtr.
Joining Benefits: No Joining Benefits
Renewal Benefits: Monthly Fee reversed on spends of INR 5,000
Standard Chartered DigiSmart 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 - ₹ 999+GST
Renewal Fee - ₹ 999+GST
Offer: Apply now and get Amazon Pay Gift Card worth Rs 500, on Minimum Single Transaction of Rs 500 within 30 days of the credit card setup.
For detailed T&Cs you can refer T&Cs
5% Cashback on all Grocery spends , Supermarkets and Departmental store spends (Cashback applicable on min. transaction of >= INR 1000 - Max cashback of INR 500 / Month)
3 Reward Points / INR 150 Spend - All Other Spends
Joining Benefits: 5000 Reward Points on payment of joining fees
Renewal Benefits: Renewal fee (2nd year onwards ) waived on spends greater than INR 120,000 in the previous year
Standard Chartered Manhattan Platinum Card
Joining & Annual Fees

Joining Fee: Rs.1499 + Taxes (one time)
Renewal Fee: Rs.1499
Welcome Benefits:
Get 1500 bonus reward points equivalent to INR 1500 on payment of first annual fee
Avail Movie voucher worth 500 from Book my show* on spends of INR 2000 within first 60 days
Bonus Reward Points will be credited to the IRCTC SBI Platinum Card account within 45 days of eligible transaction
Reward Benefits:
10% Value back on AC1, AC2, AC3, AC CC as reward points for your ticket purchase on www.irctc.co.in
5 Reward Points per INR 100 on Air tickets booked on www.air.irctc.co.in
5 Reward Points per INR 100 on E-catering purchases on www.ecatering.irctc.co.in
3 Reward points per INR 125 on Dining and Utility spends
Earn 1 Reward point per 125 spnt on other retail purchases(Non fuel) including railway ticket purchases at www.irctc.co.in
Link your IRCTC SBI Card loyalty number with your irctc.co.in login id, to redeem your reward points. For details, click here
Please click here for FAQ's.
Milestone Benefits:
Earn 2,500 bonus Reward Points on annual travel spends* of Rs. 50,000
Earn 5,000 bonus Reward Points on annual travel spends* of Rs. 1,00,000
Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs
Zero Payment Gateway Charges:
Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
Fuel Surcharge Waiver:
Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charges
Get maximum surcharge waiver of Rs. 100 per statement cycle per credit card account
Complimentary Insurance Cover:
Complimentary Rail Accident Insurance of INR 10 Lakhs
Complimentary Air Accident insurance of INR 50 Lakhs
Complimentary Fraud Liability cover of INR 1 Lakh
IRCTC SBI Card Premier
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

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 + GST may be levied on the Card at the end of the membership year.
(A card member shall be exempted from the said annual card fees of the year in which he/she spends INR 30,000 or more on his/her Card)
Get 1,500 bonus points on your first spend made within 30 days of card issuance
Get 1,000 bonus points on your first spend of Rs.1000 made within 60 days of card issuance
Earn 10X Reward Points at departmental and apparel stores (physical or online)
Earn minimum* 1 reward point for every Rs.125 spent on the card
Earn 300 bonus reward points on card purchases of over Rs.30,000 in a month
Earn 4X additional reward points* on spends on Amazon, Flipkart and Myntra.Offer Validity: 15 Feb 21-15 Aug 21
For detailed T&Cs you can refer Terms And Conditions
MITC
Citi Rewards Credit Card
Joining & Annual Fees

Joining Fee : Nil
Annual Fee : Rs.1000 + GST may be levied on the Card at the end of the membership year.
(A card member shall be exempted from the said annual card fees of the year in which he/she spends INR 30,000 or more on his/her Card)
Get welcome 250 Turbo Points on your first spend within 30 days of card issuance
Earn 4 Turbo points on every spend of Rs.150 & a 1% fuel surcharge reversal at authorized IndianOil outlets
Earn 2 Turbo points for every Rs.150 spent on groceries and supermarkets
Earn 1 Turbo point for every Rs.150 spent on other eligible spends
For detailed T&Cs you can refer Terms And Conditions
MITC
IndianOil Citi Credit Card
Joining & Annual Fees

Joining Fee : Nil
Annual Fee : Rs.3000 + GST (or) as communicated to you at the time of Card application. The Citi PremierMiles credit card is complimentary for Citigold customers maintaining the required Net Relationship Value (NRV) with Citibank.
Earn 10,000 Miles with your first spend of Rs.1,000 or more within 60 days
Earn 10 Miles for every Rs.100 spent on www.premiermiles.co.in website and on airline spends*.
Earn 4 miles for every Rs.100 spent on other spends
Get complimentary access to select airport lounges & freedom to choose from over 100 airlines to fly with
Earn 4 additional miles* for every Rs.100 on spends on Amazon, Flipkart, Myntra. Offer Validity: 15 Feb 21-15 Aug 21
For detailed T&Cs you can refer Terms And Conditions
MITC
Citi PremierMiles Credit Card
Joining & Annual Fees

Joining Fee : Nil
Annual Fee : Rs.500 + GST shall be levied on the Card in the first month of billing.
Earn 5% cashback* on phone, utility bills & movie ticket purchases
Earn 0.5% cashback on all other spends
Cashback is auto credited to statement in multiples of Rs.500
Your unredeemed cashback is evergreen, and never expires
For detailed T&Cs you can refer Terms And Conditions
MITC
Citi Cash Back Credit 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: Nil**
** Joining fee of INR 500 waived off till 31st March 21
Renewal Fee: Rs.300
Upto 10% value back on AC1, AC2, AC3, AC CC bookings made at irctc.co.in
1 % transaction fee waiver on bookings made through IRCTC website
350* activation bonus reward points on Joining
1% fuel surcharge waiver
4 complimentary Premium Railway Lounge Access (Max 1 per quarter)
Redemption of reward points on IRCTC website for free tickets
SBI IRCTC Rupay 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

Annual Fee - Rs.499 (one time)
Renewal Fee - Rs.499 (one annum)
Welcome e-gift voucher worth Rs. 500* from Amazon
10X Reward Points on online spends with exclusive partners - Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds
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

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.