On our 12th birthday, we’d like to treat you to these 12 Credit Cards, handpicked just for you. Thanks for being a part of our journey so far.
Happy birthday to us!
It’s been 12 years since we embarked on this incredible journey of bringing financial products such as Credit Cards and loans closer to you. Unbelievable, isn’t it? In these 12 years, we’ve been a significant part of the FinTech boom in our country, being an industry disruptor with innovations such as the paperless application process and now contactless access to credit products.
Yes, you heard that right. ‘Contactless’, the buzzword picked up by food delivery and e-commerce sites at the start of the ongoing pandemic that has brought the whole world to its knees, is the new normal. With social distancing norms in place, people are shopping for their daily needs online, making payments online and getting their groceries and food delivered safely at their doorsteps without any or limited contact with the outside world.
Well, if food and groceries can be procured without direct contact or having to step out of one’s homes, then why not credit products? A fully digital, contactless process for credit products has always been BankBazaar’s vision from the day we started. And today, we’ve made it reality as we have rolled out a seamless, contactless way to get you your favourite Credit Cards.
Why stop with Credit Cards, you may ask? Well, here’s a simple answer to your query. While contactless is the need of the hour, it isn’t an easy task to enable the contactless mode of delivery to big-ticket loans like a Home Loan, for instance, because such products traditionally involve extensive paperwork.
Besides, one step at a time, right? In the present situation, we believe that a Credit Card is the one financial tool that we all must possess. It gives you the freedom to make your payments online. No need to step out to go to the ATM or pay for your deliveries by cash. Also, at the same time, it serves as a cash reserve for emergencies too. Bet you agree!
Contactless In The Financial World
So, how does ‘contactless delivery’ work with financial products such as Credit Cards? Wondering much?
Well, it’s a pretty simple process. You pick a card, any card that is qualified for the contactless process. Remember not all of our partner banks are onboard with contactless credit delivery yet; it’s still in the nascent stage. Currently, we have two partners – IndusInd Bank and SBI – who are offering Credit Cards via a contactless process.
Okay, getting back to the process: once you’ve picked your card, you’ll do your KYC completely online, either via e-KYC, CKYC (or centralised KYC) or v-KYC (or video KYC). Aadhaar verification, address verification et al will take place online. No physical meetings with bank representatives, and no physical documents or signing required. It’s that easy!
12 Credit Cards, Just For YOU!
Now that you’re well-aware of the whole contactless deal, we think it’s time for you to get to know a few amazing Credit Cards that our bank partners are currently offering. Now, some of these may not be available via the contactless process yet. However, rest assured that we’ll make it as easy as we can to help you get the card that you prefer, especially given the challenging situation around us.
Also, since it’s our 12th birthday, consider this our treat to you for being such a valuable customer to us. Here are 12 Credit Cards, handpicked just for you:
IndusInd Platinum Aura Edge Mastercard
You often spend a lot at department stores, don’t you? Well, here’s a card that gets you 4X reward points on every Rs. 100 you spend at department stores and supermarkets.
Each reward point is equal to Rs. 0.50. So, if you spend Rs. 3,000 at supermarkets in a month, you’ll earn reward points worth Rs. 1,500, which can later be exchanged for cash credit or on an exciting voucher or two.
Earning reward points on this card isn’t just limited to supermarkets. You can also earn 2 points on every Rs. 100 spent on consumer durables and electronics, 1.5 points on dining and books, and 0.5 points on all other spends. A lot of cardholders love this card for some exciting offers that are unveiled during festival seasons.
The best part, however, is that this card does not come with any joining or annual fees. It’s lifetime free.
Additional Reading: All-New Contactless Process Credit Card Offers From IndusInd Bank
SBI SimplySAVE Credit Card
While we are still on the topic of rewards, here’s an amazing SBI Credit Card that lets you save big on groceries, department store spends, dining, movies and more. You’ll earn 10X points on every Rs. 100 spent on all these categories. And 1 point on every Rs. 100 spent on all other categories. Each point is equal to Re. 1.
The SimplySAVE card comes at a nominal joining fee of just Rs. 499. The annual fee is also Rs. 499. But, if you spend more than a lakh in a year, the annual fee gets waived automatically.
Citi Rewards Credit Card
An amazing rewards-oriented Credit Card from Citibank for shopaholics, this rewards card gets you 10X points on every Rs. 125 spent at online and brick-and-mortar department and apparel stores across the country. Add to this, a minimum of 1 point on every Rs. 125 spent on all other categories. These reward points never expire, so you can redeem them whenever you want to.
The Citi Rewards card costs just Rs. 1,000, plus taxes, annually. And if you apply for this card before the 31st of August, 2020, you’ll get a Rs. 1,000 Amazon Pay gift card on approval of your application.
IndusInd Bank Platinum Credit Card
Another popular IndusInd Bank Credit Card, the Platinum card is a lifetime-free card – no joining or annual fees – which gets you 1.5 reward points on every Rs. 150 you spend, irrespective of the category.
This card is perfect for frequent movie-goers too. While the current pandemic has led to cinema halls downing shutters, we can’t but be hopeful that things will return to normalcy in the following months. So, if you’ve been a frequent movie-goer, this card is a good investment for the future as it gets you two FREE movie tickets on BookMyShow every month.
SBI SimplyCLICK Credit Card
Online shopper? Here’s a card that can help you save a little extra on your online purchases – the SBI SimplyCLICK card. You can get 5 reward points on every Rs. 100 you spend online. Spends on exclusive online partners, such as Amazon, BookMyShow, Urban Company, Cleartrip and others, can get you 10 reward points.
For all other spends, you’ll get 1 reward point for every Rs. 100 spent.
The SimplyCLICK card comes at a nominal joining fee of just Rs. 499. Don’t worry, you’ll get a Rs. 500 Amazon e-gift voucher on joining. The annual fee is also Rs. 499. But, if you spend more than a lakh in a year, the annual fee gets waived automatically.
Additional Reading: 10 Feature-Loaded SBI Credit Cards For You
Citi Cashback Credit Card
Cash back on all spends? Yes! This Citi Credit Card gets you 5% cashback on telephone and utility bill payments, and movie ticket purchases. On all other purchases, you’ll get 0.5% cashback. The cashbacks you earn are automatically credited to your statement in multiples of Rs. 500. Also, these never expire, so you shouldn’t be least worried about redeeming your cashbacks.
Fee, you ask? It’s just Rs. 500, plus taxes, annually. And if you apply for this card before the 31st of August, 2020, you’ll get a Rs. 1,000 Amazon Pay gift card on approval of your application.
IndusInd Bank Iconia VISA Credit Card
Here’s an interesting lifestyle-oriented Credit Card from IndusInd Bank. Like the Platinum card we mentioned earlier, the Iconia VISA card also gets you 1.5 reward points on every Rs. 100 you spend, irrespective of the category. 1 reward point is equal to Re. 1.
Apart from the rewards, you can also avail the ‘buy one, get one’ offer on BookMyShow, free golf lessons and games, and fuel-surcharge waiver.
Enjoy all these and more at ZERO annual fees. However, there is a joining fee of Rs. 3,500.
SBI BPCL Credit Card
Own a two or four-wheeler? You must be spending quite a lot on fuel, right? Well, if you’ve been getting your fuel refills from Bharat Petroleum, then you’re in for some big savings. This BPCL card from SBI will get you 13X points on fuel purchases at BPCL petrol stations. That’s a total annual savings of approximately Rs. 4,432, which is equivalent to up to 70 litres of free petrol in a year.
And, that’s not all. You also get 5X points on every Rs. 100 you spend on groceries, movies, dining, standing instructions on utility bill payments, and at department stores. All other non-fuel retail purchases fetch you a point (on every Rs. 100).
This card will cost you just Rs. 499 annually. There’s a joining fee of Rs. 499 too. However, your card will be credited with 2,000 reward points (equal to Rs. 500) on paying the joining fee.
Additional Reading: Save On Fuel With These Credit Cards
IndianOil Citi Credit Card
A great Credit Card for those who spend on fuel at IndianOil outlets. This card gets you 70 litres of FREE fuel every year. No, we’re not kidding.
It’s all about the turbo points for this card. You can earn up to 4 turbo points on every Rs. 150 you spend on fuel at authorized IndianOil outlets. Add to this, 2 turbo points on groceries and supermarket spends and 1 turbo point on all other spends. Each turbo point earned is equal to Re. 1 of free fuel. Get the math here?
Although, this card comes with an annual fee of Rs. 1,000, it gets automatically waived if you spend more than Rs. 30,000 in a year. And if you apply for this card before the 31st of August, 2020, you’ll get a Rs. 1,000 Amazon Pay gift card on approval of your application.
SBI Card Prime
Looking for a premium card? This one’s clearly a good choice. The SBI Card Prime can get you up to 20 reward points on every Rs. 100 spent, based on the category you spend on. Here’s a quick look at the categories and the points you earn:
- Birthday spends – 20 points
- Utility bills – 20 points
- BigBasket – 15 points
- Grocery, supermarkets – 10 points
- Dining, movies – 10 points
- Others – 2 points
The travel industry is slowly opening up now, so if you’re someone who travels for business purposes, this card gets you eight free visits to domestic lounges and 4 free visits to international lounges in a year. The free lounge visits aren’t restricted to just business travel. It can be used during your leisure travels too.
The SBI Card Prime comes with an annual fee of Rs. 2,999. However, this fee gets automatically waived if your annual spends exceed Rs. 3 lakhs.
Citi PremierMiles Card
The travel industry has been one of the most affected industries since the COVID-19 outbreak in the early months of this year. However, things are looking bright now as travel is slowly opening up.
So, if you’ll soon be taking those business trips, this Citi card will make a great travel partner. You’ll get a welcome gift of 10,000 miles on activating this card, and, on every renewal, you’ll get 3,000 bonus miles. These miles never expire, so you can redeem them whenever you want.
Plus, you’ll get free domestic lounge access with this card too. The best part is that this premium travel Credit Card comes at just Rs. 3,000, plus taxes, annually. And if you apply for this card before the 31st of August, 2020, you’ll get a Rs. 1,000 Amazon Pay gift card on approval of your application.
SBI Card Elite
Another premium card offered by SBI, the SBI Card Elite is great for reward points, travel and free movie tickets. With this card, you can earn up to 5 points for every Rs. 100 you spend on groceries, dining and at department stores. You also earn 2 points on all international spends and spends on other categories.
The SBI Card Elite also has a low forex mark-up of just 1.99%. And, you get free international lounge access via Priority Pass and free domestic lounge access via VISA or Mastercard.
The annual fee for this card is Rs. 4,999. However, if your yearly spends exceed Rs. 10 lakhs, then the annual fee is waived automatically.
So, did you like our top Credit Card picks for you? Well, then wait no more! This is the right time to get yourself a Credit Card. With our 100% online contactless process, you can easily get yourself a card without having to step out of your house or having to meet with a bank representative.
Just click the link below to check your eligibility and start your application. Stay home. Stay safe. Stay healthy.