Choose Best Credit Cards in India from This List

Choose Best Credit Cards in India from This List

As 2018 has made its way, you may find many reasons to spend throughout the year. Particularly, when the festive season approaches, the spends go up much more than what you could think so. Even the cash you may have won’t be sufficient for the spends to be made.

At that point of time, a credit card can be a huge gift to have. The plastic money can help you buy the stuff you want, besides accruing reward points on your card spends. These points can be redeemed at several online and offline stores for gifts and other items. And not only the reward points, there are lucrative discounts, cashback, movie & travel tickets and much more to avail of.

So if you want to experience the luxury and convenience of a credit card, you can check the list of best credit cards in India. Compare the cards and choose a one for you.

SimplySave SBI Card

Earn 10X reward points per ₹100 spent on movies, dining, grocery and departmental stores. 2,000 bonus reward points to be credited to your account when you spend ₹2,000 in the first 60 days of the card issuance. If you want your annual fee to be reversed, a spend of ₹90,000 and above in a year will help do so. The surcharge waiver on fuel transactions worth ₹500-3,000 is also available to pouch upon.

Annual Fee - ₹499 +18% GST
Renewal Fee - ₹499 +18% GST

Citibank Cashback Credit Card

Staying true to its name, the card provides cashback on spends made by it. 5% cashback is there on all your movie ticket purchases, utility bill payments, telephone bill payments, 0.5% cashback on spends made on other than those mentioned. The cashback, though, is limited to ₹100 per month for each of the spends specified above. Besides cashback, you can get a discount of up to 15% while dining at partner restaurants.

Joining Fee - As Applicable
Renewal Fee - As Applicable 

American Express Gold Credit Card

You can earn 1 membership reward point for every ₹50 spend on insurance, utilities, fuel. Using the card thrice in the first 60 days will help you receive 4,000 Bonus Membership Rewards® Points. Also, you stand to win 1,000 Bonus Membership Rewards Points when you use the card six times making transactions of ₹1,000 and above every month. Flexible spending on the card with no pre-set limit. The reward points you earn can be redeemed from the fabulous 18 and 24 carat Gold Collection. Dining at partner restaurants will give you 20% discounts. Get 2 supplementary gold cards without any additional cost. In addition, you can get a lifetime free gold credit card.

Joining Fee - ₹1,000 +18% GST
Annual Fee - ₹4,500 +18% GST

Standard Chartered Platinum Credit Card

You can earn 1,000 reward points as an activation offer. Earn 5X reward points at major hotels, dining outlets and fuel. 1 reward point can be earned after spending every ₹150 on other categories. Enjoy 20% cashback on all Uber rides, subject to a maximum of ₹600 per month. However, the total monthly spends must be above ₹15,000 to be a part of the cashback offer.

HDFC Moneyback Credit Card

Every spend worth ₹150 will fetch you 2 reward points. Every 100 reward points mean the accumulation of ₹30. You can redeem these points for exciting gifts, air miles, as well as attractive offers from HDFC’s exclusive gift catalog. You can refill your vehicle without any worry of the surcharge as it gets waived off on every transaction worth ₹500 and above.

Fees & Charges - As Applicable by the Bank

So, you have checked out the top five credit cards online that are busy making many shoppers happy with a flurry of reward points, cashback and discounts. In times of inflation where cash is getting increasingly shorter to meet the soaring spends, these credit cards are definitely an answer to meet such needs. But make sure to spend within your capacity to repay. The bills must not go out of your reach so that you won’t face the situation of debt pile.

Choose Best Credit Cards in India from This List Choose Best Credit Cards in India from This List Reviewed by ravish kumar on February 07, 2018 Rating: 5

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