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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

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

Primary Card- INR 49 per month, waived on monthly spends of INR 5000 in the previous calendar month
Supplementary card- INR 49 per month, waived on monthly spends of INR 5000 in the previous calendar month
Get 20% discount at Myntra with no min spends. Valid on 1 transaction per month with a maximum discount of INR 700.
Use promo code DIGISMART and get 10% off* on Grofers with no minimum spends. Valid for five transactions per month with maximum discount of INR 1,000 per month.
Use promo code DIGISMART get 10% discount* on your Zomato food orders with no minimum spends. Valid for 5 transactions per month with a maximum discount of INR 150 per transaction.
Buy One Get One (BOGO) movie ticket free* at INOX. Valid on Saturday and Sunday only. Valid for 2 transactions per month with maximum discount of INR 200 per transaction.
20% discount* at Yatra on domestic flights with maximum discount of INR 750.
10% discount* at Yatra on international flights with maximum discount of INR 10,000.
25% discount* at Yatra on domestic hotels with maximum discount of INR 4,000.
Get 15% cashback* on your Ola cab bookings. Maximum cashback of INR 600 per month.
Standard Chartered DigiSmart 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.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
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 - 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.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.