If you are ready to add some zing to your finances this year, then our pick of top 5 Credit Cards is sure to make you happy.
A new Credit Card for a new year can be a good move as you stand to gain from a horde of joining benefits. Get vouchers of all kinds, a reward structure that’s better than any of your existing cards, and more purchasing power in your wallet.
So, if you are ready to add some zing to your finances this year, then our pick of top 5 Credit Cards is sure to make you happy. We’ve looked at things like rewards, benefits, and features and lined up these popular cards for you.
Let’s take a look…
The SimplySAVE SBI Card Platinum Credit Card is designed to enhance the lifestyle of the customer with a touch of glamour and luxury. This card has various offers to complement shopping, dining and travel-related needs and also comes with a host of amazing benefits and features.
Check out the benefits and features of this card:
- You earn 2,000 extra cash points if you have a minimum spend of Rs. 2,000 in the initial two months.
- You can get Rs. 100 waiver on your very first money withdrawal after receiving your card.
- Cardholders can earn 10X reward points on spending on dining, grocery, departmental store spends, and movies.
- Earn 1 reward point for Rs.100 spent on all other categories.
- Redeem your reward points against your Credit Card outstanding balance or redeem against gifts from the rewards catalogue.
- Cardholders can avail a fuel surcharge waiver of 1% across all petrol pumps.
- Get Rs. 100 cash back on your first ATM cash withdrawal within 30 days of receiving the card.
- Cardholders can avail an annual fee reversal on spending Rs. 90,000 in a year on their SimplySAVE SBI card. The card comes with an annual fee of Rs. 499.
What you’ll love:
- No extra charge for easy-bill facility used to pay off utility bills.
- You can opt for flexible EMI options for big purchases.
- You can get add-on cards for your parents, partner, siblings or kids who are 18 years old and above.
This card has a paperless application process. That means, zero paperwork when you apply for this card.
Additional Reading: Best Of Credit Cards, Personal, Home And Car Loans – January 2018
Journeying overseas is always high on the yearly plan of numerous Indians, never mind the financial slowdown and cash value variations. People’s growing wanderlust and love for travel haggling has motivated them to go globetrotting all the more.
- Customers can receive a cashback of 10% on all purchases within the first 90 days of availing the card.
- Receive a cashback of Rs. 10,000 on international flights when the booking is done via MakeMyTrip. Additionally, cardholders can avail savings of Rs. 1,200 on domestic flights when booking is done through ClearTrip
- For the first 12 months, HSBC Platinum Credit Card users are liable to receive 3X rewards on transactions related to hotels, dining and telecom categories.
- The best part of procuring this card is that customers need not pay any joining fee or annual fee.
- Get 5X on spends over Rs. 4 lakhs in a year for up to maximum spends of Rs. 10 lakhs in a year.
- Get movie ticket vouchers worth Rs. 500 on spends exceeding Rs. 50,000 in a calendar month.
- Up to 15% discount at select restaurants and lounges in India.
What you’ll love:
- HSBC Platinum Credit Card users have no lost card liability post registering a reporting of the loss of their card to HSBC. Apart from this, users are also covered for the misuse of their cards for up to 24 hours post registering for a maximum of Rs. 3 lakhs.
- Customers can now transfer their outstanding credit (above Rs. 3,000) from other banks to their HSBC Platinum Visa Credit Cards at low rates of interest.
- Customers have the option of converting their outstanding balance into EMIs.
- The card also offers the holder the facility to procure a cash advance on their card and pay back through easy EMIs.
Now, can you really say no to this card?
Additional Reading: Hit And Run By Credit Card Fraud? Here’s What To Do
The Kotak Bank PVR Platinum Credit Card is truly a delight for movie-buffs. By paying for your purchases through this card, you can avail up to two PVR movie tickets for free every month!
Here are some other cool features of the card:
- You can avail 2 PVR movie tickets free of cost each month if you spend Rs. 7,500/- and above in a monthly billing cycle.
- Shop at outlets across India using your PVR Kotak Credit Card and avail complimentary PVR movie tickets. This offer is available throughout the year.
- The add-on card will have all the features of the principal card and the principal cardholder can set the credit limit on the add-on card.
- Enjoy free insurance cover (called PVR Shield) of Rs. 75,000 per year. In case of theft or loss of your Credit Card, you will be covered for unauthorised transactions. The amount insured is applicable to both the primary as well as add-on card.
Useful Information
With purchases above Rs. 7,500/- per month, you will receive coupon codes that can be used to redeem the free PVR Movie Ticket(s) which can be used any day for any show, across all cinemas. You can avail discounts of up to Rs. 400 per coupon code per ticket.
This card also has a paperless application process. Say hello to zero paperwork!
Additional Reading: Shop Like A Boss In 2018 Using Credit Cards
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American Express® Gold Card
AMEX cards are known to offer a wide range of benefits and also come with comparatively lower interest rates. The American Express Gold Card comes with intelligent features and offers benefits to the customers.
When customers opt for this card, they have the opportunity to accelerate their earn rate, use the points to redeem for rewards from the specially curated Gold Collection and also provides access to other seasonal promotions.
Here are the features and benefits:
- Earn 1 membership rewards point for every Rs. 50 spent except for spending on Insurance, utilities and cash transactions.
- 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.
- Redeem from the fabulous 18 carat and 24 carat Gold Collection.
- Enjoy benefits on your travel bookings with MakeMyTrip.com.
- Flexibility in spending with “no pre-set” limit which means your charges are approved basis your spending pattern, financials, credit record and account history. Please note that ‘no pre-set’ limit does not mean your spending is unlimited.
* Paperless Approval process
Additional Reading: 4 Incredibly Useful Tips To Shape Up Your Credit Card Portfolio
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IndusInd Bank Chelsea FC Credit Card
The Chelsea FC Credit Card is a special product offering from IndusInd Bank, carefully designed to serve the lifestyle needs of Chelsea football fans. This card will open up a whole new world of customised offers, unique rewards and exclusive privileges. Cardholders get to enjoy special offers on shopping, dining, travel and entertainment. Also, with discounts on purchase from the Chelsea FC Online Megastore, this card will complete you as a Chelsea fan.
This card comes with a wide array of exclusive dining, shopping and travel deals. Listed below are some of the benefits that the cardholders enjoy.
- Cardholders enjoy a 10% discount on Chelsea FC authentic merchandise when purchases on the official online megastore using Chelsea FC Credit Card.
- With the Priority Pass, Travel Plus and Travel Insurance Cover programs, you can earn more every time you travel.
- Cardholders get dedicated concierge assistance 24/7 which offers pre-trip assistance, hotel reservation, sports and entertainment booking assistance and much more.
- A fuel surcharge waiver of 2.5% is offered at any petrol pump across India when the card is used for fuel purchase.
- As a welcome gift, cardholders are awarded reward points equal to the base joining fees.
- Reward points are offered on travel, dining and entertainment spend. Reward points can be redeemed for exclusive gift vouchers and discounts.
- With the Chelsea FC Card, earn special discounts on purchases from selected e-stores including Lenskart and Nyassa.
- Cardholders also get to access over 600 premier airport lounges across the globe and also get special waivers on lounge usage charges at international lounges.
- This card also comes with a complimentary Travel Insurance scheme that offers cover against lost baggage, delayed baggage, lost passport and lost ticket.
- One reward point is offered on every Rs. 100 spent using the card. Also, there are schemes that let the cardholder earn up to 4X reward on every transaction and also earn on every transaction with IndusInd bank.
- Cardholders are also covered against unauthorised transactions in case of loss or theft of the card.
Additional Reading: Credit Card Customer Care Numbers For Different Banks
Getting a Credit Card is no longer an arduous task when you apply for on BankBazaar. You can pick a Credit Card with a paperless application process and get *instant approval on your card too! So, what are you waiting for?