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COMPARE CREDIT CARDS FROM TOP BANKS IN INDIA

Credit Cards of Different Banks
1st Year Fee
Rewards & Joining Perks
YES First Preferred
0
· 8 points/100 spent on retail
· 15,000 points on first transaction within 90 days
· Up to 4X points/150 spent 
Jet Airways IndusInd Bank Voyage Visa Card
0
· 4 points/100 spent on Jet Airways on weekdays
· 2 points/100 on all other spends on weekdays
· 6 points/100 spent on Jet Airways on weekends
· 3 points/100 on all other spends on weekends
YES Premia
0
· 5 points/100 spent on groceries, supermarkets & dining
· 4 points/100 spent on retail
HDFC Bank Regalia Card
0
· 4 points/150 spent
· 2,500 reward points 
IndusInd Bank Signature Legend Credit Card
 9,999
· 2 points/ 100 spent
· No joining perks
HDFC Bank Diners Club Black Card
0
· 5 points/150 spent on retail
· 10X points/150 spent at select retail partners 
· 10,000 reward points 
JetPrivilege HDFC Bank Diners Club
10,000
· 8 JPMiles/ 150 spent on retail 
· 3X JPMiles/ 150 for all travel bookings on Jet Airways website 
· Up to 30,000 Bonus JPMiles 
· 15 JP Tier Points 
· Complimentary domestic Jet Airways ticket 
IndusInd Bank Platinum Aura Edge Credit Card
0
· 4 points/100 spent on shopping
· 2 points/100 spent on purchasing consumer durables 
· 1.5 points/100 spent on dining & books 
IndusInd Bank Platinum Aura Edge Master Card
0
· 4 points/ 100 spent on 
· 2 points/ 100 spent on 
· 1.5 points/ 100 spent on dining & books 
 YES Prosperity Reward Plus Card
0
· 5 points/100 on retail spends on your birthday
· 4 points/100 on all international spends
· Up to 3 points/100 on online, dining & retail spends
· 1,250 points on 5,000 spent within 30 days
 YES Prosperity Edge
0
· 6 points/100 on retail spends on your birthday
· 5 points/100 on all international spends
· Up to 4 points/100 on online & retail spends
· 1,500 points on 7,500 spent within 30 days
HSBC Visa Platinum Card
0
· 6 points/ 150 spent 
· 10 points/ 150 spent 
· 2 points/ 150 spent on others
· 10% cash back 
·  2,000 Cleartrip vouchers 
The American Express Membership Rewards® Credit Card
0
· 1 MR point / 50 spent 
· 1,000 MR bonus points for every 4 transactions of 1,000 or more 
· Great benefits on travel bookings on the MakeMyTrip website
Citi Rewards Card
0
· 10x points/125 spent at apparel and department stores, and select partners
· 1 point/125 on all other purchases
· 1,500 bonus points 
1,000 bonus points 
The American Express® Gold Card
1000
· 1,000 MR points/6 transactions of1,000 or more per month
· 1 MR point/ 50 spent 
· Enjoy benefits on your travel bookings with MakeMyTrip.com
4,000 Bonus Membership Rewards® Points.
IndianOil Citi Platinum Card
0
· 4 turbo points/150 spent on fuel at authorised IndianOil outlets
· 2 turbo points/150 spent on groceries and at supermarkets
· No joining perks
HDFC Bank Regalia First Card
0
· 4 points/150 spent
· 1,000 reward points 
Kotak PVR Platinum Credit Card
999
· 2 Free movie tickets at PVR every month 
· 1 Free movie ticket on 750 spent at PVR cinema
No joining perks
 Citi Cashback Card
500
· 5% cashback on movie ticket purchases, telephone bill payment and utility bill payments 
· 0.5% cashback on all your purchases
No joining perks
Axis Bank Privilege Credit Card
1500
· 10 points/200 spent 
· 12,500 eDGE points 
Kotak Delight Credit Card
1999
· 10% Cash back on all your Dinning & Movie spends
· A maximum Cash-back of 600 per billing cycle
No joining perks
Kotak Essentia Platinum Credit Card
1499
· 6 free PVR tickets or 1,200 reward points 
· 10% savings on departmental and grocery store spends
No joining perks
SBI Card ELITE
4999
· 10 points/100 spent on dining, movies, department stores and groceries
· 2 points/100 on all other retail spends
· Lowest foreign mark-up of 1.99% on international transactions
· Gift vouchers worth 5,000 from popular travel, lifestyle and apparel brands
Axis Bank Vistara Credit Card
1500
· 2 points/ 200 spent
· 1,000 points on joining
· One base fare waived economy ticket on joining
Kotak PVR Gold Credit Card
499
· 2 Free movie tickets at PVR every month 
· 1 Free movie ticket at PVR every month 
· No joining perks
Citi PremierMiles Card
3000
· 10 miles/100 spent on flight tickets and hotel bookings made on the PremierMiles website and with select partners
· 10,000 miles 
HDFC Bank Diners ClubMiles Card
1000
· 4 points/ 150 spent on retail
· 40 points/ 150 spent at select retail partners
· 10X points on spends at select merchants 
· 1,000 reward points as welcome gift
Air India SBI Platinum Card
1499
· Complimentary Air India Frequent Flyer Programme – Flying Returns membership
· 15 points/100 spent on Air India tickets
· 2 points/100 spent on others
· 5,000 Points, Complimentary Membership to Air India Frequent Flyer Program
SimplySAVE SBI Card
499
· 10 points/100 spent on dining, movies, grocery and department stores. 
· 1 point/100 spent on all other categories
· 2,000 bonus points on spending 2,000 in first 60 days
SimplyCLICK SBI Card
499
· 10 points/ 100 spent online with exclusive partners 
· 5 points/ 100 on other online spends
· 1 point/ 100 spent on others
· Welcome voucher worth 500 from Amazon on joining
Yatra SBI Card
499
· 1,000 off on total fare on Domestic Flight booking. 
· 4,000 off on total fare on International Flight booking. 
· Flat 20% off on Domestic Hotel Bookings. 
· Yatra discount vouchers worth 8,250
· Welcome Gift of Yatra.com vouchers worth 8,250 on payment of joining fee
IRCTC SBI Platinum Card
500
· 1 points/ 125 spent on all other spends 
· Upto 10% value back as Reward Points on buying train tickets at irctc website for AC1, AC2 and AC CC categories
· 1.8% transaction charge waiver on all train tickets via IRCTC website
· 350 Points on spends of 500 or more, within 45 days of card issuance
SBI Card PRIME
2999
· 10 points/100 spent on dining, movies, department stores and groceries
· 2 points/100 on all other retail spends
· Pizza Hut voucher worth 1,000
· Gift vouchers worth 3,000 from popular travel, lifestyle and apparel brands
 Air India SBI Signature Card
4999
· Complimentary Air India Frequent Flyer Programme – Flying Returns membership
· 30 points/100 spent on Air India tickets
· 4 points/100 spent on others
· 20,000 Points, Complimentary Membership to Air India Frequent Flyer Program
FBB SBI STYLEUP Card
4999
· Lifetime Flat 10% Off on fbb merchandise
· 10X Rewards on all your dining spends
· Free Gift Voucher* worth 500 redeemable on fashion at any Big Bazaar/fbb store
Axis Bank My Zone Credit Card
500
· 4 points/200 spent
· 20 points/200 spent on shopping during weekends
· 40 points/200 spent on dining during weekends
100 points on joining 
Axis Bank Neo Credit Card
0
· 10% off / cash back on select spends
· 2 points/200 spent
· 15% off at selected restaurants
· Jabong gift voucher worth 500 
· BookMyShow voucher worth 300 
Amazon Voucher worth 250 
Axis Bank Buzz Credit Card
750
· 2 points/200 spent
·  1,000 worth Flipkart e-gift card 
AXIS Bank Miles & More World Credit Card
3500
· 20 points/200 spent 
· 4 points/200 spent 
· 5,000 points on joining 
 Axis Bank Vistara Signature Credit Card
3000
· 4 points/200 spent
· 3,000 points on joining
· One base fare waived economy ticket on joining
The American Express Everyday Spend Gold Credit Card
495
· Up to 10X ­MR points across online shopping, cabs, groceries and movies 
· 1 MR point/50 spent 
· 500 cashback 
 HDFC Bank MoneyBack Card
500
· 2 points/150 spent on retail
· 4 points/150 spent online
· Redeem points as cashback. 
500 reward points
HDFC Bank Titanium Times Card
500
· 5 points on dining during weekdays
· 2 points on all other spends
· e-Vouchers worth 15k
HDFC Bank Platinum Times Card
1000
· 10 points on dining during weekdays
· 3 points on all other spends
· e-Vouchers worth15k
Snapdeal HDFC Bank Card
500
· 10X points/150 spent at Snapdeal, Ticketnew and Urbanclap
· 2 points/150 for other retail spends
· 500 reward points as welcome gift
· 500 cashback 
 HSBC Smart Value Card
0
· 3 points/ 100 spent on dining telecom & online
· 1 point/ 100 spent on other spends
· 2,000 Cleartrip voucher
· 250 Amazon voucher 
· 200 BookMyShow voucher
Indusind Bank Platinum Card
0
1.5 points/ 150 spent
Jet Airways IndusInd Bank Voyage American Express® Card
0
6 points/100 spent on Jet Airways on weekdays
3 points/100 on all other spends on weekdays
8 points/100 spent on Jet Airways on weekends
4 points/100 on all other spends on weekends

 

WHAT IS A CREDIT CARD?

A credit card is a plastic card issued by a bank or a financial institution to borrow funds at the cardholder’s convenience. The maximum credit limit is typically pre-set by the bank at the time of card issuance. The cardholders are free to use the available funds as and when required. The maximum amount of funds can be used only for card purchases such as online transactions and offline transactions at merchant terminals. A small portion, however, is reserved for credit card cash withdrawal.The cardholder has the option to repay the borrowed amount within the grace period, during which no interest will be charged, or he/she can opt for revolving credit which allows carrying forward unpaid amount to subsequent months and also charges interest on the same until the due is settled in full.

HOW TO USE A CREDIT CARD?

It is very easy to use a credit card. When banks issue a credit card, they create a revolving account for that card. Once the customers receive their credit cards, they can use it to make purchases on credit. This credit is actually the amount that cardholders have borrowed from the card issuer. They have to repay the outstanding amount at the end of every billing cycle. There is a limit on the amount of credit that one can use and cardholders should make sure they don’t exceed this limit.To make payments using their credit cards, cardholders have to simply get their cards swiped at merchant stores and authenticate the transaction by entering their PIN number. Some credit cards do not require you to enter a PIN number. If you are using your card to make online payment, make sure the website is a secure one. Enter your credit card details on the checkout section and authenticate the payment by entering the PIN or OTP (One Time Password).

FEATURES OF CREDIT CARD

The main characteristics or features of credit card are listed as follows:

  • Alternative to cash.
  • Credit limit.
  • Aids payment in domestic and foreign currency.
  • Record keeping of all transactions.
  • Regular charges.
  • Grace period or grace days.
  • Higher fees on cash withdrawals.
  • Additional charges for delay in payment.
  • Service tax.
  • Bonus points.
  • Gifts and other offers.

Now let’s discuss each feature of credit card one by one. Alternative to cash Credit card is a better alternative to cash. It removes the worry of carrying various currency denominations to pay at the trade counters. It is quite easy and way fast to use a credit card rather than waiting for completion of cash transactions. As an alternative, credit card helps a cardholder to travel anywhere in the world without a need to carry an ample amount of cash. It also reduces the possible risk of money theft and gives its user a complete peace of mind.

Credit limit The credit cardholder enjoys the facility of a credit limit set on his card. This limit of credit is determined by the credit card issuing entity (bank or NBFC) only after analyzing the credit worthiness of the cardholder. The credit limit is of two types, viz., Normal credit limit, and Revolving credit limit. Normal credit limit is usual credit given by the bank or NBFC at the time of issuing a credit card. Revolving credit limit varies with the financial exposure of the credit cardholder.

Aids payment in domestic and foreign currency Credit card aids its cardholder to make payments in any currency of choice. In other words, it gives its holder a unique facility to make payments either in domestic (native) currency or if necessary, also in foreign (non-native) currency, that too as and when required. Credit card reduces the cumbersome process of currency conversion. That is, it removes the financial complexities often encountered in converting a domestic currency into a foreign currency. It is because of this feature, a credit cardholder can possibly make payments to merchants present in any corner of the world.

Record keeping of all transactions Credit card issuing entities like banks or NBFCs keeps a complete record of all transactions made by their credit cardholders. Such a record helps these entities to raise appropriate billing amounts payable by their cardholders, either on a monthly or some periodic basis.

Regular charges Regular charges are basic routine charges charged by the credit card issuing entity on the usage of credit card by its cardholder. These charges are nominal in nature. The regular charges are primarily classified into two types, viz., Annual charges, and Additional charges. Annual charges are collected on per annum or yearly basis. Additional charges are collected for other supplementary services provided by the credit card issuing entity. Such services include, add-on-card (an additional credit card), issue of a new credit card, etc.

Grace period The grace period is referred to those minimum numbers of additional days within which a credit cardholder has to pay his credit card bill without any incurring interest or financial charges.

Higher fees on cash withdrawals Credit-card issuer makes charges on cash withdrawals made through credit card at the ATM outlets and other desks. Generally, cash withdrawal fees are quite higher than fees charged by the bank or NBFC for the other regular credit transactions. On cash withdrawn done through a credit card, interest is charged from the same day. That is, interest is charged since the day on which cash is withdrawn. Usually, no grace period is provided for cash transactions.

Additional charges for delay in payment The credit card payment is supposed to be made within a due date as mentioned on the bill of a credit card. If payment is not paid on time, then a credit-card issuer charges some additional costs, which are resulted due to delay in payment. These charges are charged to compensate (recover) the interest cost, administration cost and any other related costs bared by the credit card issuing entity.

Service tax Service tax is included in the total amount charged to the credit cardholder. This mandatory service tax imposed by the government also increases the final end cost bared by a credit cardholder. Many credit card providers (issuing entities) have policies of reversing the service tax charged on the purchase of gas, fuel and other similar goods.

Bonus points The competition among the credit card providers is unbending (adamant). Offering various incentives is usually a trendy (fashionable) way to improve the sale of the products in the ordinary course of business. Following this trend, credit card providers also give bonus points on the financial value of the transactions compiled by their customers.

Gifts and other offers At a later stage (i.e. after crossing pre-determined number of bonus points) accumulated bonus points are redeemed either by converting them into gifts, cash back offers, or any other similar compelling offers. To collect many bonus points, the credit cardholder has to carry out a considerable number of transactions through his credit card.

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