Having a shiny Credit Score is more rewarding than you think. It opens up a world of Credit Cards packed with benefits that you would adore. Here are 5 such cards.
Regardless of whether you’re looking to buy a Personal Loan or a Credit Card in the near future, a Credit Score forms a very important aspect of your financial profile. While processing your application, the first thing your bank does is check your Credit Score.
So what’s a good Credit Score? Most financial bureaus have their own benchmark of a good Credit Score. A credit report with no errors and a score of 750 or above can help you fetch a sizable loan without much effort. Moreover, a brilliant Credit Score can open up a world of Credit Cards loaded with benefits for you.
We’ve dug up for you, 5 Credit Cards that you should consider if you have a good Credit Score:
1. SBI Card Prime
Joining perks include gift vouchers worth Rs.3, 000 from popular travel, lifestyle and apparel brands. A premium Credit Card that earns you 10 points on every Rs.100 spent on dining, movies, department stores and groceries. Grocery shopping becomes pocket-friendly as you earn 15 points on every Rs.100 spent at preferred partners like Big Basket, Reliance Fresh, Sahakari Bhandar stores etc. Paying utility bills can also get hugely rewarding as you earn 20 points on every Rs. 100 spent. If you’re a frequent flyer, you get to enjoy benefits like complimentary international and domestic airport lounge access as well as an air accident insurance cover of Rs. 50 lakhs.
The ease of earning points on most retail spends that this card offers can lead to great savings. Add to this, rewards that you earn on air travel and all these make the card hard to beat. If you’re looking to save on fuel, you can also get a 1% fuel surcharge waiver on transactions between Rs.500 and Rs.4, 000 across all petrol pumps in India.
Additional reading: How To Kill Credit Card Debt In 2018
2. JetPrivilege HDFC Bank Diners Club
A traveller’s delight, this card should be your pick if you’re a frequent traveller and looking to enjoy a fine travel experience. For revenue tickets booked via the Jet Airways website, you can enjoy a 5% discount on the base fare with this card. Moreover, you also get free, unlimited access to the world’s largest airport lounge program as well as priority check-in and extra baggage allowance at select Indian airports. This card also allows you to tee off across the globe with unlimited golf games and lessons.
If you typically fly frequently, this is the best card around. It earns you a discount voucher of Rs.750 on domestic Jet Airways return tickets on paying joining fees and on card renewals. The inner foodie in you can also rejoice as you get to enjoy fine dining privileges at top restaurants with this card.
3. Citi Rewards Card:
Joining perks include 1,500 bonus points on first spend within 30 days of card issue and 1,000 bonus points on first spend of Rs. 1,000 within 60 days of card issue. If your monthly spends easily go north of Rs. 30,000, you’re absolutely going to love this card that offers 300 bonus points on these spends. Retail spends can win you rewards galore with 10x points on every Rs. 125 that you spend.
On this card, you can enjoy instant redemption of accumulated reward points against movie tickets, travel bookings, mobile services etc. Moreover, the absence of an expiry date for accumulated reward points makes this card an absolute winner. The first year fee on this card is a nominal Rs. 1000 which can be waived if annual spends exceed Rs. 30,000.
Additional reading: 15 Awesome Credit Cards With No Paperwork
4. Kotak PVR Platinum Credit Card:
If you’re a movie buff, you’re going to love this card because of the rewards this card is packed with for cinephiles. On spending Rs. 10,000 and above every monthly billing cycle, you win 2 free movie tickets at PVR every month. You can, in fact, use the ticket to book any day and any show across PVR cinemas. Moreover, you can also avail discounts of up to Rs.400 per coupon per ticket.
Winning one free movie ticket on every Rs. 750 spent at PVR cinema and a nominal first year fee of Rs. 999 makes this a favoured option for movie buffs who’re looking to get the maximum for spends they make on movie tickets.
Additional reading: Is Your Credit Card Limit Not Enough? Here Are Ways To Increase It.
5. Kotak Royale Signature Credit Card:
With up to 4x rewards on dining, travel and international spends, this card is a godsend for those who like earning as they spend. With rewards extending to a broad spectrum of categories including hotels, restaurants, travel agencies, package tour operators, air carriers and international spends, this card rewards you for every expense under the sun. If you travel frequently by train, you also get a railway surcharge waiver for transactions via IRCTC website and at Indian Railways booking counters.
With no first year joining fee and the annual fee from second year onwards as low Rs.999, this is a card ideal for those who like to spend big and earn on those spends as they go.
Still not found a Credit Card that suits your preferences? Lucky for you, we have an entire range for you to choose from on our BankBazaar website. Go ahead and take a look.