The salaried person indicates a stable income, which goes well with the banks. Most credit card users in India are in the salaried segment. They use credit cards to support their cash flow to effectively manage their monthly budgets. At the same time, they want to get back from these cards in the form of cashback, prizes, offers, and discounts.
Almost all banks and financial institutions in India offer credit cards to both salaried and self-employed persons. The list of credit cards for salaried persons is very complete. so, we list the 20 best credit cards for the salaried person nowadays in the 2020s according to the benefits given in different categories. Take a view of the benefits, fees, and charges, and features of their suited cards.
1. SimplySAVE SBI Credit Card
- Fees
- Annual Fee – Rs 499 (one time)
- Renewal Fee – Rs 499 (per annum)
- Best suited for
- WELCOME OFFER
- REWARDS
- DINING
- Features
- Welcome gift:
- Within 30 days of receiving the card, on your first ATM withdrawal get Rs. 100 cashback
- Welcome gift:
-
- Reward point
- 1 return point on every Rs. 100 that you spend
- Use your return points to pay off the balance on your credit card or for a wide range of gifts
- Extravaganza offer
- Spent Rs. 2,000 or more and get 2,000 bonus return points in the first 60 days
- 10x prize points
- Enjoy 10 reward points per Rs 100 spent on meals, movies, department stores, and groceries.
- On all your other expenses, get 1 return point for 100 spent
- (4 reward points = Rs. 1)
- Reward point
-
- Enjoy complete fuel independence
- Get freedom by paying a 1% fuel surcharge on any petrol pump
- Transact Rs. 500 to Rs. 1,000,000 at any petrol pump in India to take advantage of this offer
- You get a maximum surcharge waiver of Rs. 100 per statement cycle on your SimpleSave SBI card
- Enjoy complete fuel independence
-
- Spend based contrast
- Subscribe to the annual membership fee reversal from the second year of subscription
- For this fee reversal, you need to spend Rs. 1,00,000 or more on in the previous year
- Spend based contrast
2. HSBC Visa platinum
- Fees
- Joining Fee – Nil
- Renewal Fee – Nil
- Best suited for
- REWARDS
- DINING
- Welcome Gifts
- minimum spent Rs 10000 across 9 transact and get max cashback up to Rs 3000
- At any amount spent get Rs 2000 trip vouchers on 1 transaction
- Rewards
- Get 3 times the reward points for spending in hotel, meal, and telecom categories for the first 12 months from the date of issuance of the card.
- Features
- Rs. Get a fuel surcharge waiver on any fuel pump in India on the issue of Rs.400 to 4000
- Get 2 prize points at every cost of Rs 150 under the Valuable Rewards Program.
- Get Air Miles Conversion on purchase of Jet Airways and Singapore Airlines flight tickets.
- In a year, the minimum amount of Rs 400000 Gets 5 times the reward points for subsequent purchases by exceeding 10,00,000.
- Cash advance facility through phone banking services, convenient online facility, additional credit card, global usage, 24X7 customer earnings.
- Enjoy credit card liability on reporting the loss of card to HSBC bank immediately in case of credit card loss.
3. ICICI Platinum Chip
- Fees
- Joining Fees – Nil
- Annual Fees – Nil
- Add-on Fees – Nil
- Key points
- Get interested in the amount deposited
- Earn 2 points on spent Rs. 100 all purchases except fuel
- Rs. 100 per month on 2 movie tickets through BookMyShow
- Access to ICICI Bank Credit Builder Program
- Interest rate / money charge only 2.49% p.m.
- Features
- Urgent issues
- Customers can get a card against the previous fixed deposit account or open a new one. Income documents are not required
- Free
- There is no joining or annual fee on this credit card.
- Payback Rewards Program
- Customers are automatically enrolled in Payback’s Loyalty Program. They Earn 2 prize points per Rs.100 spent on all purchases except fuel.
- Global Acceptance
- Customers can receive global emergency assistance and a card replacement service is also available.
- Finance charge
- Only 2.49% per month or 29.88% per annum.
- Security Features
- The card comes with an embedded microchip that provides extra security to the cardholders.
- Movie Offer
- Rs. 100 on movie ticket bookings. It can be obtained twice a month. Terms and conditions apply.
- Dinner offers
- Get dining offers through the culinary transaction program. Users can get up to a 20% discount
- Fuel surcharge waiver
- Rs. 1% fuel surcharge is waived on fuel transactions not exceeding 4,000. The benefit can be availed only when ICICI Bank’s Instant Platinum Credit Card is used on ICICI Bank’s commercial swipe machines at HPCL pumps.
- Visa Floors
- Get discounts on restaurant meals, luxury hotel investments, lifestyle stores, spas, and more.
- Urgent issues
4. standard chartered platinum rewards
- Fees
- Joining Fee: Rs 250
- Renewal Fee: Rs 250
- Best suited for
- FUEL
- DINING
- LOUNGE ACCESS
- Features
- CashBack
- The first 90 days get 100% one-time cashback on spending at restaurants.
- you can Renewal fees waived on spending Rs 60,000 in the Year
- 5x prize
- Get 5 reward points for each INR 150 spent on meals and fuel without a monthly cap on rewards earned using this prize credit card.
- 1x prize
- Earn 1 reward point for every INR 150 spent in all other categories.
- Special Offers
- Get a 15% discount on over 850 restaurants in India.
- Get INR 200 instant discount purchase of minimum INR 2,000 Using promo code SCB200.
- Good Life Program
- Enjoy meals, purchases, travel, and many other discounts and offers with the Standard Chartered Good Life program on your Platinum Rewards credit card.
- CashBack
5. Axis Bank Platinum
- Fees:
- Joining Fee: Rs 500
- First Year Fee: Nil
- Second Year onwards: Rs 200
- Add-on Card Joining Fee: Rs 100
- Best suited for
- REWARD
- PREMIUM
- Reward
- Earn up to 25% on online and offline flight office fee ticket purchase.
- Get EDGE Loyalty Rewards and 500+ rewards and points redemption offer for the transaction.
- Get 6 points of Rs.200 spent locally on the credit cards.
- Get 12 points at every cost of Rs 200 in international expenses.
- Get 100 points on the first transaction online transaction.
- Features:
- Get 25% cashback on movie ticket bookings.
- Get Global Emergency Assistance – Get access to Visa International Global Card Assistance Services with Axis Bank Platinum Credit Card.
- The cardholder may request the issuance of a lost card as well as an emergency replacement card.
- Get fuel and waiver on surcharge – 1% fuel surcharge waiver on all fuel transactions in India.
- The fuel surcharge waiver only Valid on Rs. 400 to 4,000 transactions.
- Get maximum benefit up to Rs.400 per month.
- Convert EMI to Purchase – Rs. On 2,500 or more transaction
6. Hdfc bank diner club black
- Fees:
- Joining fee Rs.10,000
- Renewal fee Rs.5,000
- Interest rate 1.99% per month
- Welcome benefits:
- You receive complimentary annual memberships from Club Marriott, Forbes, Amazon Prime, etc. when you complete your first transaction with the card.
- Annual benefits:
- You receive complimentary annual memberships once you spend Rs.8 lakh within 12 months from the date on which the card was issued.
- Monthly milestone benefits:
- Whether you are a new HDFC Bank Diners Club Black Credit Cardholder or an existing holder, you can choose any two monthly vouchers from TataCLio or BookMyShow or Ola Select Membership worth Rs.500 per month provided you spend Rs.80,000.
- Reward Points Programme
- Earn 5 reward points for every Rs.150 spent on the card except on fuel transactions.
- The accrued reward points can be redeemed for air tickets or hotel bookings made through the HDFC Diners Club website.
- Reward points can also be redeemed for air miles across various airlines and for gifts and rewards listed in the exclusive reward redemption catalog for Diners Club Black Credit Card.
- Travel Benefits offered by HDFC Diners Club Black Credit Card
- You can book air tickets or make hotel reservations across 150 airlines and hotels (international as well as domestic).
- You can redeem reward points for booking air tickets or making hotel reservations across a variety of options (international as well as domestic).
- One reward point is equal to one rupee.
- You can redeem reward points for Airmiles across a variety of airlines such as British Executive Club (Avios), Singapore Airlines (KrisFlyer Miles), Club Vistara, and Jet Airways (JPMiles). Make sure that you complete the frequent flyer registration via net banking before attempting to redeem your Airmiles.
- Your card can be used internationally and you can also increase your international daily limit via net banking.
- You get unlimited access to 800+ airport lounges across the globe. The access is complimentary for primary cardholders as well as add-on cardholders.
- Travel cover
- Air accidental death coverage of Rs.2 crore.
- Credit liability cover of up to Rs.9 lakh.
- Emergency overseas hospitalization of Rs.50 lakh.
- Travel insurance covers up to Rs.55,000 on baggage delay.
- Preferential financial benefits
- Low foreign currency markup of Rs.1.99%.
- Up to 50 days of interest-free credit.
- Convenience fee waiver of 1% on all fuel transactions.
- Wellness benefits:
- HDFC Bank Diners Club Black Credit Cardholders get access to exclusive discounts at major salons, spas, gyms, etc.
- Salon/Spa: The salons and spas you can access and avail discounts at with your HDFC Bank Diners Club Black Credit Card include Four Fountains De-Stress Spa, Tattva Spa, VLCC, Jean Claude Biguine, Enrich Salons & Academy, and O2 Spa.
- Spa Resort: The spa resorts at which you can avail of discounts with your HDFC Bank Diners Club Black Credit Card include Tree of Life, Neemrana Fort Palace Rajasthan, Red Earth Kabini, Kairali, Tijara Fort Palace Rajasthan, Shreyas Retreat Bangalore, and NaturOville Vedic Retreat Rishikesh.
- Nutrition: The nutrition centers where you can avail of discounts using your HDFC Bank Diners Club Black Credit Card include Grow Fit, Gympik, Calorie Care, and Healthie.
- Fitness: The fitness centers where you can avail of discounts using your HDFC Bank Diners Club Black Credit Card include Golds Gym, Cult.fit, Krus Gethin, and Anytime Fitness.
- Online doctor consultation: You can avail of discounts on DocsApp using your HDFC Bank Diners Club Black Credit Card.
- HDFC Bank Diners Club Black Credit Cardholders get access to exclusive discounts at major salons, spas, gyms, etc.
- Gold program:
- Get six complimentary golf games per quarter on golf courses across the globe.
- The HDFC Bank Diners Club Black Credit Card provides 24-hour Golf Concierge Assistance services access.
- Concierge:
- The HDFC Bank Diners Club Black Credit Card offers exclusive 24×7 concierge services on the following:
- Golf course referral as well as reservation assistance
- Gift and flower delivery assistance
- Limousine referral and car rental and assistance
- Business services
- Hotel reservation and referral assistance
- Courier service assistance
- The HDFC Bank Diners Club Black Credit Card offers exclusive 24×7 concierge services on the following:
7. CITI REWARDS CARD
- Fees:
- Joining Fee: Rs 1,000.
- Renewal Fee: Rs 1,000.
- Annual Fee is waived off if the spending is more than Rs 30,000 during a membership year.
- Welcome Gifts
- Get 2,500 points on card activation.
- Get 1000 bonus points at the first cost of Rs.1000 within 60 days of issuing the card.
- Award
- The cardholder can get 10 reward points for every Rs 125 spent on apparel and department stores.
- The user can continue to receive reward points at the rate of 1 point for every Rs 125 purchase.
- Specialty
- Get 300 bonus points on card expenses of Rs 30,000 or more per month.
- Points can be redeemed immediately at selected partner outlets.
- The special feature of this card is that the cardholder can either choose to redeem the accumulated prize points immediately or redeem them later, the price points will never expire.
- The interest rate per month is 3.25% (annual 39%), the interest rate will change regularly depending on the paying bank, method of use, and so on.
8. Amex Platinum Travel Credit Card
- Fees
- First-year fee: Rs. 3,500 plus applicable taxes.
- Second-year onwards: Rs. 5,000 plus applicable taxes
- Welcome Gift
- 5,000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs. 3,500
- Rewards:
- Welcome Gift: Rs.4,000 Worth Indigo Vouchers
- Spend Rs.1.90 lakhs in a year to get: Rs.7,700 Worth Spicejet Vouchers
- Spend Rs.4 lakhs in a year to get: Rs.11,800 Worth Spicejet Vouchers + Rs.10,000 Voucher from the Taj Group
- Reward rate: Upto ~8%
- Complimentary Airport lounge access: Yes, 4 Lounges per year. Most Mastercard Lounges are allowed in this Program.
- Foreign Exchange Markup fee: 3.5% + Service Tax
- Effective 20th August 2020, you can also redeem your Membership Reward points obtained on a spend threshold of Rs. 1.9 lacs and Rs. 4 lacs in a Cardmembership year for Flipkart vouchers worth Rs. 5,000 and Rs. 8,000 respectively until 31st December 2020.
- Offers and Privileges
- Enjoy complimentary membership6 to Priority Pass, with the US$99 annual membership fee waived off exclusively for you.
- Fuel Convenience Fee Waiver
- Enjoy exciting discounts of up to 20% every time you dine at select restaurants.
- Split the payment and not the joy. Use your American Express Credit Card for your next big purchase
- Services offered by American Express
- 24x 7 Platinum Assist
- Zero Lost Card Liability*
- Emergency Card Replacement
- Online Fraud Protection
- Contactless Payments
- International Card Accepted Worldwide
9. HDFC Regalia First
- Fees
- First-Year Membership Fee – Rs. 1000/- + Applicable Taxes, Renewal Membership Fee – Rs. 1000/- + Applicable Taxes
- Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off)* Terms & Conditions Apply
- Spend Rs. 1,00,000 in 12 Months and get Renewal Fee waived for next renewal year.
- Spend Based Milestones
- Earn 5,000 Reward Points on annual spending of Rs. 3,00,000 or more in each anniversary year
- Earn 7,500 Reward Points on annual spending of Rs. 6,00,000 or more in each anniversary year
- Fulfillment: After completion of the card anniversary year.
- So if you’re able to spend 6 Lakhs in a year, you can get a reward rate as good as 1.2% – which is pretty good for a card of this range.
- Rewards
You earn 4 reward points on Rs. 150, on all retail* spends including Insurance, Utilities, Education, and RentPay.- Enjoy Accelerated Reward Points
- Get up to 5% cashback on your travel and shopping spends on SmartBuy
- Fuel Surcharge Waiver
- Enjoy a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5000
* No reward points are earned on fuel transactions
- Enjoy a 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5000
- Best in Class Redemption Program
- Flight and Hotel Bookings
- Exclusive Catalogue of Premium Global brands
- Curated Global Experiences
- Annual Spends Benefit
- Earn 5,000 Reward Points on annual spending of Rs. 3,00,000 or more in each anniversary year*
- Earn additional 2,500 Reward Points on annual spending of Rs. 6,00,000 or more in each anniversary year*
- Comprehensive Protection
- Accidental air death covers worth Rs. 50 lakhs
- Emergency overseas hospitalization up to Rs. 10 lakhs in case of emergency
- Credit Liability cover of up to Rs 5,00,000
10. MoneyBack Credit Card
- Fees
- Joining/Renewal Membership Fee – Rs. 500/- + Applicable Taxes
- Best suited for
- REWARD
- FUEL
- Welcome Benefit
- 500 Cash Points (applicable only on payment of membership fee)
- Key Features
- Earn 2 Reward Points on every Rs 150 spent
- Earn 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online*
- Every quarter, get a gift voucher worth Rs. 500 on spends of Rs 50,000. Earn up to Rs. 2,000 worth of gift vouchers in a year. Click here for more details.
- Additional Features
- Zero Cost liability: In the unfortunate event of losing your HDFC Bank EasyEMI Card, on reporting it immediately to our 24-hour call center, you have zero liability on any fraudulent transactions made on your Credit Card.
- Interest-Free Credit Period: Up to 50 days of interest-free period on your HDFC Bank MoneyBack Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
- Revolving Credit: Enjoy Revolving Credit on your HDFC Bank MoneyBack Credit Card at a nominal interest rate.
- Fuel Surcharge Waiver
- 1% fuel surcharge waiver at all fuel stations across India
(on minimum transaction of ₹ 400. Max CashBack of ₹ 250 per statement cycle)
- 1% fuel surcharge waiver at all fuel stations across India
- Milestone Benefit
- Spend ₹20000 & above in the first 90 days and get the first-year membership fee waived off.
- Annual Spend based benefit
- Spend ₹50,000 and above in each calendar quarter and get ₹500 worth of gift vouchers
- Renewal Offer
- Spend ₹50,000 and above in the first year and get the renewal membership fee waived off
- Smart EMI
- HDFC Bank MoneyBack Credit Card comes with an option to convert your big spending into EMI after purchase.
- Reward Point/CashBack Redemption & Validity
- Reward Points Accrual:
- Reward Points accumulated on HDFC Bank MoneyBack Credit Card can be redeemed against statement balance at the rate of 1 RP = ₹0.20
- Reward Point Redemption:
- Reward Points can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = ₹0.25
- Reward Points can also be redeemed against statement balance. Minimum balance of 2500 Reward Point required, redeemable in multiples of ₹500 only.
- Reward Points Validity:
- Reward Points earned on your HDFC Bank MoneyBack Credit Card are valid only for 2 years from the date of accumulation.
- Reward Points Accrual:
11. IndianOil Platinum or ( Titanium ) CITI Card
- Fees
- Joining fees: ₹ 1,000
- First Year Annual Fees: ₹ 1,000
- Renewal Fees from 2nd Year: Nil
- Interest Rate/ Finance Charges per month : 3.25%
- Brand Partner: Indian Oil Corporation
- Late Payment Charges: ₹ 950
- Benefits
- Purchase fuel of Rs. 150 and earn 4 turbo points
- 4 Turbo Points on Rs. 150 of fuel purchases at authorized IndianOil Retail Outlets across the country.
- 2 Turbo Points on Rs. 150 at grocery and supermarkets.
- 1 Turbo Point on Rs.150 spent elsewhere like Shopping, Dining and more.
- Features
- Rs. 0 when you spend Rs.30,000 or more on your Card in a year. Cardmembers with annual spending of less than Rs. 30,000 on their Cards are charged an Annual Fee of Rs. 1000.
- Redeem your Turbo Points for free fuel at over 1200+ authorized IndianOil Retail Outlets across the country. 1 Turbo Point gives you Rs.1 of free fuel
- Redeem instantly at select merchant outlets and online partners
- Redeem for gift vouchers across major brands.
- Fuel Card
- Reduce the cost of your ride
- Fuel card is used as a payment card for the purchase of gasoline, diesel, and other fuels at gas stations, for vehicle maintenance and repairs, and receive attractive cashback offers on your fuel bills.
- Up to 5% cashback on fuel bills.
- Easy to pay your fuel bills.
- Fuel surcharge waivers.
- Easy invoicing and maintenance of records of fuel payments of your employees.
- Cashback is available on other categories such as – telecom bills, electricity, gas, water bills, etc. as well.
12. SBI SimplyCLICK
- Fees
- Annual Fee (one time): Rs. 499
- Renewal Fee (per annum): Rs. 499 from the second year onwards. Renewal Fee reversed if annual spends for last year >= Rs.1,00,000
- Add-on Fee (per annum): Nil
- Log-in Gift
- Get Amazon.in gift card worth Rs.500* on joining
- e-Shopping Rewards
- Earn 10X Reward Points on online spends with exclusive partners – Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds / UrbanClap
- Earn 5X rewards on all other online spends
- Earn 1 reward point per Rs.100 on all other spends
- Milestone Rewards
- e-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh
- e-voucher worth Rs.2,000 on annual online spends of Rs.2 Lakhs
- Voucher Brand: Cleartrip
- Voucher code and other relevant details will be sent via SMS to your registered mobile number
- Enjoy Complete Fuel Freedom
- 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
- Maximum surcharge waiver of Rs 100 per statement cycle, per credit card account
- Annual Fee Reversal
- Spend Rs 1,00,000 and get an annual fee of Rs 499 reversed for your SimplyCLICK SBI card in the subsequent year
- Contactless Technology
- Simply wave your card at a secured reader and your transaction is done
- Maximum payment of Rs 2,000 allowed per contactless transaction
13. Standard Chartered Ultimate Card
- Fees
- Annual Fee: Rs. 5,000
- Income Requirement: None listed by the issuer
- Age Requirement: 21-65
- Rewards Rate Details
- 5 points per Rs. 150 spent on all transactions
- 5% cashback on duty-free spend
- 3.33% cashback on all spending categories
- 25% Discount* at top restaurants in India
- Benefits & Perks
- Priority Pass membership (USD 27/visit, waived once monthly if last month’s spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India)
- 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month
- Air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal documents, hijacking, and flight delay coverage
- 5% cashback* on duty-free spending and access to over 1000 airport lounges across the world.
- Rs. 10,000 on MakeMyTrip, 3.33% on all spend
- Promotions
- Sign-Up Bonus: Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
- Renewal benefit: 5,000 points
14. SC Yatra Platinum Card
- Fees
- Joining fees: ₹ 499
- First Year Annual Fees: ₹ 499
- Renewal Fees from 2nd Year: ₹ 499
- Interest Rate/ Finance Charges per month : 3.49%
- Brand Partner: Yatra.com
- Late Payment Charges: ₹ 800
- Reward :
- Earn 4 reward points for INR 100 spent on Yatra.com
- Earn 2 reward point for every INR 100 spent on all other categories
- 10% cashback on travel bookings
- Features
- Book your travels with yatra.com and enjoy the benefits of cashback, rewards, fuel surcharge waiver, and more
- Enjoy a host of discounts and offers across dining, shopping, travel, and more
- Welcome gift of travel vouchers worth Rs. 4,000 from yatra.com
- Avail of 20% cashback on all Uber rides, capped to Rs. 600 in a month. However, for this to avail, the total monthly spending in a calendar month has to be more than Rs. 15,000.
- Benefits
- Earn 4x reward points on every Rs. 100 spent on yatra.com
- Earn double the reward points on Rs. 100 for all other expenditures
- Earn 10% cashback on travel bookings made through yatra.com
- Get waivers on Yatra cancellation fees for all tickets booked on yatra.com
- Earn fuel surcharge waiver of 1% on all fuel expenditures
- 2X Rewards on other spends
15. JetPrivilege HDFC Bank Signature / World
- Pricing
- Joining and Renewal Fee- Rs 2500+GST
- Network: MasterCard
- Card Type: Travel, Premium, LifeStyle
- Welcome Gifts
- As a welcome gift get up to 7500 JP Miles
- Get renewal benefit of 3000 JP Miles
- Rewards
- Spend a minimum of Rs 150 on retail expenses and get 6 JP Miles
- Spend a minimum of Rs 150 on flight booking and get 18 JP Miles
- Get 3x bonus points on your flight booking through Jet Airways.
- Features
- Spend a minimum of Rs 3 lac and get the renewal fee waived off for the next year. Get fuel surcharge fee of 1% across India
- This card is embedded with a small microchip to make your transaction more secure
- In case of loss or damage of your card report instantly to 24×7 assistance and get zero liability on any fraudulent transaction made on your card.
- Get an interest-free credit period of up to 50 days.
- Add any 3 of your family members with Add-On card facility
- Spend a minimum of Rs 2 Lac and get 1 JP Tier Point
- Get access to the best lounge program across all airports in India
- Get 4 complimentary lounge visits per quarter.
- Priority Pass Membership
- Get complimentary enrollment worth $99 into the Priority Pass Programme
- Get access to more than 600 Airport Lounges globally.
- The primary cardholder can get up to 5 free visits to the International Lounges per year. Privileges on Jet Airways
- Get up to 5% discount on your all domestic booking.
- Enjoy premier check-in for all domestic flights of JetAirways
- Get complimentary excess Baggage Allowance of 10Kgs in Premiere and 5Kgs in Economy
- Renewal Benefit
- Get complimentary Jet Airways base fare waived Ticket Code for domestic travel on Jet Airways across India
- Get a discount voucher code worth Rs 750 on return tickets
16. SBI FBB StyleUP Credit Card
- Fees:
- Annual Fee (one-time): Rs. 499 + GST
- Renewal Fee (per annum): Rs. 499 + GST
- Add-on Fee (per annum): Nil
- Welcome gift:
- 500 worth Fbb gift voucher
- Anniversary gift* of 2,000 Bonus Reward Points every year
- FBB Gift Vouchers can be redeemed at any Big Bazaar/ FBB store, against select fashion categories only*.
- Gift Voucher should be redeemed in full. Partial or cash redemption is not valid.
- No duplicate Gift Voucher will be reissued in case it’s lost or misplaced. Voucher Validity is of 1 year from its date of issue
- Discount Waiver
- An upfront discount* of flat 10% round the year, whenever you shop for Fashion Apparel, Accessories, Backpacks, Footwear & School Bags at Fbb and Big Bazaar Stores
- 5% on FBB/Big Bazaar, 2.5% on Food Bazaar & dining
- No cap on count or value of daily, monthly, or yearly discount transactions
- 10X Reward Points on your spending at Big Bazaar, Standalone Fbb, and Food Bazaar outlets, and on all your Dining expenditures
- Fuel Surcharge Waiver
- Get freedom from paying the 1% fuel surcharge on every transaction of Rs. 500 to Rs. 3,000
- A maximum surcharge waiver of Rs. 100 can be availed per cycle on your STYLEUP Card
17. HDFC Snapdeal Credit Card
- Annual Fee – 500 (spend Rs. 1,50,000 in a year and get next year fee waiver)
- Welcome Benefits
- You will get a Snapdeal voucher worth Rs. 2000 and 500 reward points as a welcome gift.
- Welcome Gifts
- Get a welcome benefit of Rs 500 Cash Back for the first transaction on Snapdeal.
- Earn 500 reward points as a welcome gift.
- Get Snapdeal vouchers of Rs 2000 as a welcome benefit within a period of 30 days from the date of issue of the card.
- Potential Annual Savings
- Savings of Rs. 5000 by just spending 60,000 online (60000/150*20*0.25 +60000*5/100)
- % Savings- 8.33% (5000/60000*100)
- Saving of Rs. 8333 on annual online expenses of Rs. 1 Lakh (100,000/150*20*0.25+100000*5/100)
- % Savings- 8.33% (8333/100000*100)
- Reward Ratio & Redemption
- Earn 20 Reward Points per Rs 150 on spend on Snapdeal.
- 10X reward point for shopping on Snapdeal and purchases through SmartBUY
- Each reward point is worth Re. 0.25
- Redeem rewards points for
- Products at HDFC MyRewards catalog
- Purchasing Snapdeal vouchers
- Key Benefits
- 1% fuel surcharge waiver
- Free accidental death insurance up to Rs. 50 lacs
- Fire and burglary protection (goods above Rs. 5000 for 180 days)
- Earn a flat 5% discount on purchases made through the snap deal web portal with the credit card.
- Earn additional 10X reward points – Get 20 reward points on spending Rs 150 on the snap deal website.
- Get a 5% instant discount for every transaction of Rs 2000 or more on Snapdeal.
- The cardholder can earn 10X reward points on shopping using the credit card and on purchases through Smartbuy.
18. Standard Chartered Super Value Titanium Card
- Joining Fee – Rs750 Get 100% onetime cashback (up to INR 1500) on Fuel spends within 1st 90 days
- Renewal Fee – Rs 750 – waived on spending Rs 90,000 in the Year
- Features
- Earn 1 reward point for every Rs. 150 spent where 1 reward point = Rs 0.30.
- Get 5% cashback on fuel, phone, and utility bills
- Complimentary Priority Pass allowing access to 1000+ airport lounges worldwide with one free usage per month
- Bookmyshow vouchers worth Rs. 1,000. Terms & Conditions apply
- Annual fee waiver on spending Rs. 60,000 and more in a year
- Benefits
- Earn 5% cashback on fuel spends across all fuel stations up to a maximum of Rs. 200 per month
- Earn 5% cashback on telephone bill payments up to a maximum of Rs. 200 per month
- Earn 5% cashback on utility bill payments up to a maximum of Rs. 100 per month
- Enjoy 5x rewards for overseas point-of-sales spends
- Get 15% off at over 850 restaurants in India
19. Kotak Delight
- Joining Fee: Rs. 1,999
- Annual Fee: Rs. 299
- Features and benefits
- Dining Offers – Users get 10% cashback on dining spends if they spend over Rs. 10,000 in categories other than dining and entertainment within the billing cycle. Users can get a maximum cashback of Rs. 600 in a billing cycle. Earned cash back limit is shared between dining and entertainment spends
- Movies Offer – Customers get 10% cashback on movie spends if they spend Rs. 10,000 in any category except dining and entertainment within a billing cycle. The maximum cashback that can be earned per billing cycle is Rs. 600. The earned cashback cap is shared between dining and entertainment transactions
- Fuel Surcharge Waiver – Users get surcharge waiver on fuel up to Rs. 4500 in a year. The offer is applicable on all fuel purchases where the amount spent is between Rs. 400 and Rs. 4000
- Railway Surcharge Waiver – Users get a maximum railway surcharge waiver of Rs. 500 annually
- Milestone rewards:
- If the total value of all the card transactions exceeds Rs.1.25 lakh every six months, you can either opt to receive Rs.750 cashback or 4 complimentary PVR tickets.
- You can avail of up to Rs.1,500 cashback or 8 complimentary PVR tickets per year.
- The complimentary PVR tickets can be availed of within 3 months of the end of the program.
20. Kotak Essentia
- Joining Fee: 1,499
- Annual Fee: 749
- Age Requirement: 21-65
- Rewards Rate Details
- 10% cashback on grocery and retail spending
- 40% on general spending rewards rate
- Promotions:
- Spend ₹ 125,000 every 6 months and get 1200 points (Up to 2400 points per year) OR Spend ₹ 125,000 every 6 months and get 6 free PVR tickets (max 12 per year)
- Benefits:
- 10% Savings on Departmental & Grocery Store spends
- Essential gives you 10 Saving Points for every Rs. 100 you spend at Departmental & Grocery Stores.
- 1 Saving Point = Re. 1
- Minimum transaction size: Rs. 1500
- Maximum transaction size: Rs. 4000
- Maximum Saving Points for a month – 500 valued at Rs. 500
- What’s more, you earn 1 Saving Point for every Rs. 250 you spend on other categories* without any restrictions. So you save with every transaction!
Disclaimer
We give details according to specific bank data. But remember before going to pick up anyone’s Credit card must visit the respective Bank’s website. Check the details of the card like Fees, Interest rate, Rewards, etc. because it maybe changes. Hence you need to be aware of the changes happening in most out of your credit cards.
The information and services included on this Web site may include discrepancies. Paidkiya will not be liable/responsible for any decision that you may take based on such inaccurate information. Changes are periodically added to Bank’s websites.
