1. SBI PRIME
- Fees
- Annual Fee (one time): Rs. 2,999 + Taxes
- Renewal Fee (per annum): Rs. 2,999 + Taxes from second year onwards
- Add-on Fee (per annum): Nil
- Waiver of Renewal Fee on annual spending of Rs. 3 Lakhs
- Welcome gift
- Welcome e-gift Voucher worth Rs. 3,000 from any of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com
- You will receive an SMS to choose from e-voucher options within 15 days of the annual fee payment. The e-voucher will be sent to your registered mobile number/e-mail ID, within 5 days of the request
- For Bata/ Hush Puppies, Pantaloons, Shoppers Stop, you can redeem your e-Gift Voucher by showing the code at the respective brand store
- For Yatra and Shoppers Stop you can redeem the code online at the time of purchase
- Aditya Birla Retail Voucher can be redeemed at these brand stores – Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter
- PRIME Rewards:
- Get 20 Reward Points per Rs. 100 spent on standing instructions of Utility Bills payments, w.e.f. 1 Oct ’19, a capping of 3,000 Reward Points per month will be placed on this earning
- Get 10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies
- Earn 2 Reward Points per Rs. 100 on all other retail spends
- Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1
- 1% Fuel Surcharge Waiver on transaction amount ranging from Rs.500-Rs.4000 across all petrol pumps. (Govt. Service Tax extra, as applicable). Maximum Surcharge Waiver of Rs.250 per month, per credit card account
- RPs applicable to Utility SI transactions can be earned for registrations done through SBI Card platforms (Mobile App/Website/Agents) only.
- Milestone Benefits
- Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
- waiver of Renewal Fee on annual spending of Rs. 3 Lakhs
- E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs
- Pizza Hut e-Voucher will be sent to your registered mobile number within 15 days of achieving spends of Rs. 50,000
- For Yatra.com/ Pantaloons, you will receive an SMS to choose the e-Gift Voucher option within 10 days of achieving spends of Rs. 5 Lakhs.
- Trident Privilege Membership
- Enjoy complimentary Trident Privilege Red Tier Membership
- Get exclusive 1,000 Welcome Points on registration
- Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on an extended night stay
- Enjoy 10% instant saving on bookings through the hotel website
- Enjoy 10 points for every Rs.100 spent (excluding taxes) during your stay at participating hotels
- Offer is valid for Primary Cardholders only
- Club Vistara Membership
- Enjoy Complimentary Club Vistara Silver membership
- Get 1 Upgrade Voucher
- Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
- Click here to apply for your exclusive Club Vistara Silver membership
- Offer is valid for Primary Cardholders only
- Lounge Access
- 4 complimentary visits per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)
- 8 complimentary visits per calendar year to Domestic VISA/Mastercard Lounges in India (max. 2 visits per quarter)
- Offer is valid for Primary Cardholders only
- Birthday Benefit
- Enjoy 20 Reward Points per Rs. 100 spent on your birthday
- Mastercard/Visa Privileges
- 4 complimentary rounds on Green Fees per year and 1 complimentary golf lesson per month at select courses in India
- Exclusive benefits across 900 luxury hotels worldwide
- Savings of 10% off on Hertz car rental and up to 35% off on Avis Car Rentals
- Earn up to 10,000 miles per night on hotel stay, plus 25% extra miles on Kaligo.com
- Up to 8% Discount on bookings through hotels.com across the Asia Pacific
- Enjoy 15% off on luxury Airport Transfer Service
2. 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 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 - 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
3. Amex MRCC
- Fees
- First Year fee: Rs. 1,000 plus applicable taxes
- Second Year onwards: Rs. 4,500 plus applicable taxes
- Additional reward on card renewal
- Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of annual membership fee. Points to be credited within 90 days of Card renewal
- Reward Earn Rate
- Earn 1 Membership Rewards® Point for every2 Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions, and EMI conversion at Point of Sale2.
- Fee Waiver
- The Annual Membership Renewal fee of Rs.4500 will be 100% waived off if total spend on American Express Credit Card in the immediately preceding membership year is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.90,000 to Rs.1,49,999.
- Bonus membership reward points
- Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month
- Gold collection
- Redeem your Points from the fabulous 18 and 24 Karat Gold Collection
- Offers and Privileges
- Enjoy convenience, exclusive benefits, assistance at any hour, and much more. Your American Express Membership Rewards®Credit Card brings a host of special privileges, only for you.
- Enjoy freedom and convenience
- Enjoy the flexibility and convenience to pay your Credit Card bill, fully or partially. You can also convert your spending into easy monthly installments with the American Express EMI
- Fuel Convenience Fee Waiver
- Enjoy exciting discounts of up to 20% every time you dine at select restaurants.
- Services on your Card
- 24X7 Card Related Assistance
- Dispute Resolution
- Zero Lost Card liability
- Emergency Card Replacement
- Two Supplementary Membership Rewards Credit Cards at no additional cost
4. 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
5. ICICI Coral Amex
- Fee and Charges
- Joining Fee – ₹ 500 + GST
- Annual Fee (First year) – NIL
- Annual Fee (Second year onwards) – ₹ 500* + GST
- Supplementary Card Fee – NIL
- Overdue interest on extended credit and cash advances – 3.40% per month (40.80% annualized).
- Reward Points
- 2 PAYBACK Points on every Rs. 100 spent on your card, except fuel. (Reward Rate: 0.5%)
- 4 PAYBACK Points on every Rs. 100 spent on online transactions. (Reward Rate: 1%)
- 1 PAYBACK Point on every Rs.100 spent on utilities and insurance categories. (Reward Rate: 0.25%)
- Milestone Spends #1:2000 PAYBACK Points on spending Rs. 2,00,000 on your card
- Milestone Spends #2:1000 PAYBACK Points each time you cross Rs. 1,00,000 spend (post 2L spend); maximum of 10,000 PAYBACK Points per year
- If my understanding is right, the card holds good for up to 10L spends. If you can make more spending online, you can get a maximum reward rate, which would be 1.25% by including milestone spends.
- Benefits
- Buy 1 get 1 free on BookMyShow (up to 2 free tickets per month valued at up to Rs.250 per ticket.)
- Buy 1 get 1 free on INOX (up to 2 free tickets per month valued at up to Rs.250 per ticket.)
- Complimentary airport lounge access: 1 per quarter
- Complimentary Railway lounge access: 1 per quarter
6. ICICI Amazon Pay
- Pricing
- Joining fee- NIL
- Annual fee- NIL
- Features
- Earn 5% back on Amazon.in for Amazon Prime customers
- Earn 3% back on Amazon.in for non-prime customers
- Earn 2% back on 100+ Amazon Pay partner merchants
- Earn 1% back on all other payments
- Type of Reward system: as Amazon Pay balance
- Upper Cap: No limit
- Benefits
- No joining fee or annual fee
- No limit to the earnings from this card
- No expiry date for your earnings
- Earnings can be used for purchasing 10 crore+ products at Amazon.in and at 100+ partner merchants.
- Save a minimum of 15% on your dining bill at participating restaurants.
- For more information, please visit www.culinarytreats.com.
- Please present your card while settling the bill to avail of the applicable discount.
- You can also download the ICICI Bank Culinary Treats mobile app from Apple iStore or Google Play Store.
- Savings on fuel purchases
- A complete waiver of 1% on fuel surcharge every time you refuel.
7. RBL Platinum Delight
- Joining Fees
- Joining Fee: Rs. 1000+GST
- Welcome Bonus: 4,000 Points
- Annual Fee Waiver: Spend Rs. 1.5 Lakhs or more in the previous year
- The welcome bonus worth is equivalent to the Joining fee paid.
- Reward Points
- 2 Reward points per Rs.100
- 1,000 Bonus Reward Points every month on 5 transactions worth Rs. 1,000 each or more in a calendar month.
- 1 Reward point = 0.23ps – 0.25ps
- This card is best if you spend around Rs.5,000 a month or about Rs.60,000 a year. Let’s see how much we can save in that case.
- RP for 5 transactions worth Rs. 1,000 each or more in a calendar month = 12,000 Points/yr
- RP for Rs.60,000 spend for doing above txn’s in a yr = 1,200 Points
- Total = 13,200 Points = Rs.3000 in Value
- Effective Reward Rate: 5%
- Features & Benefits
- Reward rate: Upto 5%
- Complimentary Airport lounge access: Nil
- Fuel Surcharge Waiver: Capped at Rs. 150 every billing cycle (S.Tax applicable).
- Foreign Exchange Markup fee: 3.5% + Service Tax
- Renewal Fee Waiver: Renewal fee reversed if you spend Rs.1.5 Lakhs in a year
- Special Features: Monthly Bonus, 2X points on weekends spend.
8. Standard Chartered Manhattan
- Fees
- Joining Fee: Rs 999
- Renewal Fee: Rs 999 – Waived on spending Rs 1,20,000 in the Year
- Benefits
- Get a BookMyShow voucher worth ₹2000* on your first transaction in the first 90 days. *T&C Apply
- Cardholders will get 5% cashback at Supermarkets
- Get 3 reward points for every ₹150 spent at other places
Get 15% off at over 850 restaurants in India. - Get INR 200 instant discount at Grofers on subsequent purchases of a minimum of INR 2,000. Use Promo code SCB200.
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.
