10 Best Credit Cards In India 2017 | Credit Cards For Every Requirement

10 Best Credit Cards In India

Now, Credit card has become crucial need for each middle as well as upper class persons. It reduces the burden of carrying cash and offers exclusive benefits and features to the card holders. Banks presents array of credit cards, among them choosing a most beneficial card is archetypal task. So, we are describing the 10 Best Credit Cards In India 2017 which accomplish you’re all requirements because these credit cards are excellent for Every purpose.

Applying for credit card is an imperative decision especially for average middle class person but before applying a customer need to check its eligibility criteria, important facts like as annual fee, interest rate, joining fee etc otherwise it may rob you of many privileges. Users can make their shopping and travelling more pleasurable with the help of suitable credit card.

10 Best Credit Cards in India 2017

  • Yatra SBI Credit Card
  • HDFC Solitaire Credit Card
  • Axis Bank Neo Credit Card
  • ICICI Bank Instant Platinum Credit Card
  • Citibank Cash Back Credit Card
  • SBI IRCTC Platinum Card
  • Standard Chartered Inner Circle Platinum Credit Card
  • HSBC Visa Platinum Card
  • American Express Jet Airways Platinum Credit Card
  • HDFC Visa Signature Credit Card

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Yatra SBI Credit Card

If you are crazy about rooming places, then Yatra SBI Credit Card meet all requirements of you because every journey is deficient without this card. So what are you waiting for apply for your card and make your trip more marvelous. You will acquire unbeatable holiday, travel and shopping deals.Yatra.com has launched Yatra SBI Credit Card for making the trip of customers more enjoyable. It provides excellent privileges, travel offers, holiday packages and many attractive rewards points. If the card holder books his tickets from Yatra.com then he can obtain special discount on bookings.

Annual fee – 499

Important facts of Yatra SBI Credit Card

Interest rate Joining Fee Fee for ATM cash withdrawal Interest free credit period
Up to 3.35% per month. 40.2% per annum Rs.499 Up to 80% of credit limit. Maximum limit is Rs.12,000 per day 20 to 50 days. Applicable on

Benefits of Yatra SBI Credit Card

  • Card holder can take a benefit of 2.5% of fuel surcharge.
  • The minimum surcharge waiver is Rs 100 per month.
  • If you book domestic travelling ticket worth Rs 500, you can obtain two vouchers.
  • If the customer book international travelling ticket worth Rs 1000 then he will get two vouchers for his each ticket.
  • For hotel bookings worth Rs 750 user will get one voucher.
  • For domestic vacations worth Rs 1500, obtain one voucher.
  • For international vacations worth Rs 3000, acquire one voucher.

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HDFC Solitaire Credit Card

The subsidiary assistance of HDFC Solitaire Credit Card is that it doesn’t add any supplementary charge. This is one of the best options of Shopaholics because opens a new world for them. You can acquire vouchers worth Rs.2,000 on your shopping per year. Card holder may acquire more than 2,880 reward points spends on dining, shopping and grocery. You can redeem your rewards points into cash. This card possess EMV chip which makes your transactions more secure. If the card holder spend Rs.5 lakhs then he or she may earn more than Rs.4,000 rewards points.

Annual Fee – 500

Important facts of HDFC Solitaire Credit Card

Interest rate Joining Fee Fee for ATM cash withdrawal Interest free credit period
2.95% per month. 35.4% per annum Up to Rs.1,000 2.5% of withdrawn amount or Rs.300, whichever is more Up to 50 days

Benefits

  • At the time of swiping the card for the purpose of dining and groceries, uses can earn 50% more Reward Points.
  • If the card holder spends more than 75,000 every six months, he or she can get coupons of INR 1000 per annum.
  • For restaurant bills, you can also obtain 2880 Reward Points
  • Users are also eligible to alter his Reward Points into cash.
  • If your card is stolen you need not to pay any extra charge.

Check Also – 6 Ways to Earn Credit Card Rewards Faster

Axis Bank Neo Credit Card

Axis bank has recently launched “Neo Credit Card” with exceptional Neo privileges and exclusive benefits. If you are a customer of Axis bank then you must apply for this card because it is producing tremendous features like welcome offers, rewards points, entertainment benefits, lost card liability insurance, EMI facility and many more services. It has EMV chip which protect your asset against skimming and fraud. If you want to apply for this card you may visit to the official portal of Axis bank and it doesn’t matter you residence is Indian or not but applier must comes under age group of 18 to 70 years.

Annual fee

First Year – Nil

After the 2nd year – Rs. 250

Important facts of Axis Bank Neo Credit Card

Rate of Interest Joining Fee Fee for ATM cash withdrawal Interest free credit period
3.25% per month. 46.78% per annum Rs.250; waived if Rs.2,500 is spent in 45 days 2.5% of withdrawn amount or Rs.250 Up to 50 days

Benefits

  • If you book via BookMyShow then you will obtain movie vouchers worth Rs. 200.
  • If you do shopping through Jabong.com, you can get 10% cash back.
  • If the card holder makes his recharge by the Freecharge mobile application, then he or she will get 10% discount.
  • If you book your bus tickets from redBus, you will acquire benefit more than 100 Rs per month.

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ICICI Bank Instant Platinum Credit Card

If you have an instant need of credit card then ICICI Bank Instant Platinum Credit Card is the most suitable option for you. It is not like ordinary card because it provides significant benefits to card holder. If the user has fixed deposit with ICICI Bank then he or she can apply ICICI Bank Instant Platinum Credit Card immediately. It produces reasonable interest rate which is 2.49% monthly. If you have net banking facility then you can apply for it online. You need to submit few documents with zero processing fee.

Annual fee – Nil

Important facts of ICICI Bank Instant Platinum Credit Card

Rate of Interest Joining Fee Fee for ATM cash withdrawal Interest free credit period
2.49% per month. 29.88% per annum Nil 2.5% of withdrawn amount or Rs.300 18 days to 48 days depending on purchase date

Benefits

  • As you purchase more, obtain rewards points more.
  • User will get 3 Payback points on spend of Rs. 100.
  • It provides only 2.49% interest rate to its customers.
  • If the card holder book his movie tickets from bookmyshow , he or she can acquire discount of Rs. 100 twice every month.
  • If the card holder spends at over 800 restaurants, then he or she will acquire 15% off.

Know About – 7 Best Travel Credit Cards In India

Citibank Cash Back Credit Card 

Make your shopping hassle free on New Year via the outstanding Citibank Cash Back Credit Card. On every transaction you will also obtain brilliant cash back. Citibank understand the requirements of customer and provides favorable banking products. Card holders also get tremendous benefits on shopping, dining. It makes your bill payment more convenient. If you have a suitable credit card you need not to go here and there. Users will also get special discount on their purchases. It provides you 20% savings across 2000 Indian restaurants like as Pizza Hut, Costa Coffee etc.

Annual fee – 500

Important facts of Citibank Cash Back Credit Card SBI

Rate of Interest Joining Fee Fee for ATM cash withdrawal Interest free credit period
2.5% per month. 30% per annum Communicated at the time of sourcing 2% of withdrawn amount or Rs.300 Depends on statement date and transaction date

Benefits

  • If you book movie tickets and payment of Utility bill complete through this card then you can obtain 5% Cash back.
  • If you make your payment of Telephone bill via this card, you will get 5% cash back.
  • Card holders also can obtain Rs.100 per month for every category.
  • You can earn 0.5% Cash Back on your every spend.
  • Card holder can earn 5% cash back on all movie ticket.

Read Also – Best Credit Cards For Shopping In India

SBI IRCTC Platinum Card

Enjoy ticket booking with SBI IRCTC Platinum Card. If you book ticket of AC1, AC2 and AC CC, from irctc.com, you can obtain more than 10% of the value as rewards. If the card holder spend Rs.500 within the first 45 days of card issued then he can earns 350 bonus points. It produces negligible transactions charges. With the wide reach of 3.25 lakh outlets across the country, it is having 29 million Visa outlets across the world. Indian Railway Catering and Tourism Corporation Limited Platinum Card is especially designed to meet all the requirements of Indian customers.

Annual fee – 300

Important facts of SBI IRCTC Platinum Card

Rate of Interest Joining Fee Fee for ATM cash withdrawal Interest free credit period
3.35% per month. 40.2% per annum Rs.500 Up to 80% of credit limit. Maximum limit is Rs.12,000 per day 20 to 50 days. Applicable on retail purchases only

Benefits

  • You will obtain Waiver of fuel surcharge.
  • It has produce Exclusive travel offers to its customers.
  • Ease of paying facility provided to card holders.
  • Access to cash at ATMs across the globe
  • First withdrawal done by this card you will get Rs 100 cash back.

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Standard Chartered Inner Circle Platinum Credit Card

If you apply for this card you will obtain dual benefit of Platinum card with the unmatched privileges of a unique loyalty program because both equally contribute to launch this card. Standard Chartered credit card is documented in around 19 million VISA and MasterCard across the world. You can also obtain exclusive bonus points and cash back offer on your purchase. The biggest advantage of this card is that it doesn’t charge any processing fee.

Annual fee – 1st Year – Nil

Important facts of Standard Chartered Inner Circle Platinum Credit Card

Rate of Interest Joining Fee Fee for ATM cash withdrawal Interest free credit period
3.10% per month. 37.20% per annum Nil 3% of withdrawn amount or Rs.300 18 days to 25 days depending on purchase date

Benefits

  • Card holders will get welcome gifts as discount coupons worth Rs. 2,500 at the time of joining this card.
  • You will also obtain 2 Reward points on your other spends.
  • You will earn 9 reward point on your Rs.100 spend by other stores.
  • If you use your card at all Auchan stores, you will get 5% cash back

HSBC Visa Platinum Card

As a premier banking, headquarter of HSBC is located in London (United Kingdom). It offers wide range of banking products to fulfill the requirements of customers. The biggest advantage of this card is that it doesn’t charge any annual fees and joking fees. This card is especially designed to include a touch of glamour and luxury in the life styles of people. If you apply for this card you can obtain remarkable benefits related to complement shopping, dining and travelling.

Annual fee – Nil

Important facts of HSBC Visa Platinum Card

Rate of Interest Joining Fee Fee for ATM cash withdrawal Interest free credit period
18% to 24% per annum Nil 3.3% per month Up to 52 days

Benefits

  • If you spend more than 50,000 then you will obtain Movie ticket voucher.
  • The biggest benefit of this card is that it doesn’t charge any annual fee.
  • On spending on hotels and telecom categories, you can obtain 3 times rewards.
  • Card holders can get 10% cash back purchases within 90 days of card issued.

Read Now – Advantages & Disadvantages Of Using A Credit Card In India

American Express Jet Airways Platinum Credit Card

For the purpose of travelling American Express Jet Airways Platinum Credit Card is one of the most popular credit cards in India. This is especially designed card for those who are ever ready to go. If you have this card it will make your journey more fun and enjoyable. American Express Jet Airways Platinum Credit Card comes with awesome bonus points and elite privileges. Its applying procedure is also very simple, so you can easily acquire your credit card. The benefits of this card will never be end but vital benefits are presented here.

Annual fee – Rs.5,000

Rate of Interest Joining Fee Fee for ATM cash withdrawal Interest free credit period
Communicated at the time of sourcing Rs.10,000 second year onwards 3.5% on the withdrawn amount or Rs.250 Depends on the purchase date

Benefits

  • Card holders can obtain Welcome Gift of 10,000 Bonus JP Miles.
  • On your first transactions, you will earn rewards of 10,000 JPMiles.
  • It also produces complimentary offers Oberoi Hotels and Resorts, Trident Hotels etc.
  • If you book your tickets through jetkonnect.com and jetairways.com you will earn 5% discount on your tickets.

HDFC Visa Signature Credit Card

If you are searching that card which provides you all lifestyle and travel benefits, then we have best option for you i.e. HDFC Visa Signature Credit Card. It makes your transactions more convenient and offers lots of benefits fuel surcharge waiver, access to airport lounges and reward points etc. You may acquire many exclusive sprawl accesses at selected airports of India and foreign. You can apply for 3 supplementary credit cards and share the advantages with your family members and friends.

Annual fee

First year membership fee – Waived

Important facts of HDFC Visa Signature Credit Card

Rate of Interest Joining Fee Fee for ATM cash withdrawal Interest free credit period
2.95% per month. 35.4% per annum Communicated at the time of sourcing 2.5% on the withdrawn amount or Rs.500 Up to 50 days from statement and transaction date

Benefits

  • You can save more than Rs 8,300 every year with the help of HDFC’s Signature complimentary pass.
  • You will also obtain 3 supplementary cards.
  • It provides interest free credit for 50 days as of date of purchase.
  • If you spend 150, you can earn 2 Reward points.

Documents required for applying credit card

  • KYC-PAN,
  • Address proof
  • ID Proof
  • Photograph,
  • Salary slip/Form 16

Credit cards offers to customer for various purposes like as shopping, travelling, online transactions, completion of payment etc. It is very useful gadget and trendy especially in youths. Many credit card issuers provide attractive rewards scheme and bonuses to entice clients

 

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