Which Reward Credit Card to Apply?



There are five different types of rewards credit cards available in India – points, hotels/ travels, retail, auto and fuel. 

American Express Platinum Credit Card 
Following are some points on 
American Express Platinum Credit Card:
Þ    Cardholders receive complimentary membership facilities at Taj loyalty and Kingfisher Airlines A gold tier programs.
Þ    Renewal fee is INR 10,000.
Þ    Cardholders can earn 1 reward point for every INR 40 spent by them with the card.
Þ    Card issuer is AMEX.
Þ    Points can be converted to miles to avail faster flight services.
Þ    0% fuel surcharge facilities are available at all HPCL outlets.
Þ    Joining fee is INR 50,000.
Þ    There are special features like platinum rewards.

American Express Gold Charge Card 
Following are some facts about American Express Gold Charge Card:
Þ    There are not any preset spending limits.
Þ    Regular interest rate is 5% on amount that has not been paid.
Þ    There is a powerful reward program.
Þ    Cash advance fee is 3.5% per month.
Þ    There are travel services.
Þ    Issuing bank is AMEX.
Þ    Joining fee is INR 1500.
Þ    0% fuel surcharge facilities are available at all HPCL outlets.
Þ    Renewal fee is INR 3100.
Þ    There are special features like rewards programs.

ABN AMRO Smart Gold Credit Card 
Following are some points on ABN AMRO Smart Gold Credit Card:
Þ    Points may be converted into airline miles.
Þ    Renewal fee is INR 2000.
Þ    There are 0% fuel surcharge facilities at every outlet.
Þ    Regular interest rate is 3.5% per month.
Þ    Points may be redeemed for free fuel.
Þ    Cash advance fee is 2.5% per month. Minimum cash advance fee is INR 300.
Þ    Credit limits are high.
Þ    Issuer is MasterCard.
Þ    Cardholders receive credit shield and air accident insurance for free.
Þ    Bank is ABN Amro.
Þ    Joining fee is INR 500.

Following are the other major rewards credit cards available in India:
Þ    ABN AMRO Adlabs Credit Card
Þ    Deutsche Bank Corporate Credit Card
Þ    Deutsche Bank Platinum Credit Card
Þ    Standard Chartered Emirates Platinum Credit Card
Þ    Deutsche Bank Miles & More Platinum Credit Card
Þ    Standard Chartered Emirates Titanium Credit Card
Þ    Deutsche Bank Miles & More Signature Credit Card
Þ    Axis Bank Visa Platinum Credit Card
Þ    Deutsche Bank Landmark Gold Credit Card
Þ    Yatra Barclaycard Platinum Credit Card
Þ    ABN AMRO Freedom Credit Card
Þ    Kotak Mahindra League Platinum Credit Card
Þ    ABN AMRO Wellness Credit Card
Þ    Kotak Mahindra Royal Signature Credit Card
Þ    ABN AMRO Barista Credit Card
Þ    Kotak Mahindra Trump Gold Credit Card
Þ    HDFC Bank Silver Credit Card
Þ    Kotak Mahindra Fortune Gold Credit Card
Þ    HDFC Bank Visa Signature Credit Card
Þ    American Express Gold Credit Card
Þ    HDFC Bank Corporate Credit Card
Þ    ABN AMRO MakeMyTrip Go Credit Card
Þ    HDFC Bank Gold Business Credit Card
Þ    ABN AMRO Platinum Credit Card
Þ    American Express India Today Group Credit Card
Þ    Delhi Metro Citibank Credit Card
Þ    Deutsche Bank Classic Credit Card
Þ    ICICI Bank Ascent American Express Credit Card
Þ    Deutsche Bank Smart Gold Credit Card
Þ    ICICI Bank Platinum Identity Credit Card