Which Cash Back Credit Card to apply?

There are 20 different cash back credit cards available in India and these cards offer a host of lucrative financial rewards to the cardholders. 

HSBC Gold Credit Card
Following are some salient features of HSBC Gold Credit Card:

Þ    There are 0% fuel surcharge facilities available at all outlets.

Þ    Renewal fees is INR 2,000.

Þ    There is balance transfer option.

Þ    Regular interest rate is 3.1% per month.

Þ    There is a maximum of 10% cash back offered on travel bookings.

Þ    Cash advance fee is 2.5%. Minimum cash advance fee is Rs. 250.

Þ    Credit limit is high.

Þ    Issuer is VISA.

Þ    There are no joining fees.

Þ    Issuing bank is HSBC.

Citibank Cash Back Credit Card
Following are some facts about Citibank Cash Back Credit Card:

Þ    There is a maximum of 30% cash back. This offer is available at some selected outlets in India.

Þ    Cash advance fee is 2.5% per month. Minimum cash advance fee is INR 250.

Þ    Cardholders always receive cash back benefits upon swiping the card at a particular outlet.

Þ    Card issuer is VISA.

Þ    There is a fuel transaction waiver. The rate is 2.5% and offer is valid only in petrol pumps of Indian Oil.

Þ    Issuing bank is Citibank.

Þ    There are no joining and renewal fees.

Þ    There is 0% fuel surcharge facility that is available only at Indian Oil outlets.

Þ    Regular interest rate is 3.19% or 38.28% per annum.

ABN AMRO Titanium One Credit Card
Following are main features of ABN AMRO Titanium One Credit Card:

Þ    There is a maximum of 2% cash back that is available on regular purchases.

Þ    Renewal fee is INR 2,000.

Þ    There is a maximum of 5% cash back that is available on payments of utility bills.

Þ    Regular interest rate is 3.5% per month.

Þ    There is 0% fuel surcharge facility that is available at all outlets.

Þ    Cash advance fee is 2.5%. Minimum cash advance fee is INR 300.

Þ    There is balance transfer option.

Þ    Issuer is MasterCard.

Þ    Credit limit is high.

Þ    Issuing bank is ABN Amro.

Þ    Joining fee is INR 500.

Following are some other cash back credit cards that are available in India:

Þ    Deutsche Bank Landmark Platinum Credit Card

Þ    SBI Gold and More Credit Card

Þ    ABN AMRO One Credit Card

Þ    SBI (State Bank Of India) Silver and More Credit Card

Þ    HDFC Bank Gold Credit Card

Þ    LG SBI Credit Card

Þ    HDFC Womans Gold Credit Card

Þ    Axis Bank Visa Platinum Credit Card

Þ    HDFC Bank Platinum Plus Credit Card

Þ    Taj Epicure Diners Club Credit Card

Þ    HDFC Bank Platinum Plus Credit Card

Þ    Kotak Mahindra Trump Gold Credit Card

Þ    HDFC Bank Value Plus Credit Card

Þ    ICICI Bank Ascent American Express Credit Card

Þ    Standard Chartered Super Value Titanium Credit Card

Þ    ICICI Bank Platinum Identity Credit Card

Þ    Bajaj Allianz Super Value Titanium Credit Card

How to apply for a Credit Card

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

How to apply for a Credit Card

Which Low interest Credit Card to Apply?

A number of banks are offering low interest credit cards in India in order to help the cardholders manage their finances in a better way. Some of the low interest rate Credit cards available to Indian customers are

ICICI Bank Platinum Credit Card 
Following are some salient features of ICICI Bank Platinum Credit Card:

Þ    Cardholders receive priority access facilities to airport lounges.

Þ    Regular interest rate is 1.99% per month.

Þ    Cardholders receive air accident insurance coverageworth INR 1 crore.

Þ    Cash advance fee is 3.15% per month.

Þ    Cardholders have higher cash limits and credit limits.

Þ    Card issuer is VISA.

Þ    The card is offered via invitation only.

Þ    Issuing bank is ICICI Bank.

Þ    Joining fee is INR 25,000.

Þ    There are 0% fuel surcharge facilities.

Þ    Renewal fee is INR 2,500.

American Express Indian Airlines Credit Card 
American Express Indian Airlines Credit Card has the following salient features:

Þ    The cardholders receive 10% discounts on business class flights and 15% discounts on economy flights.

Þ    Renewal fee is INR 3750.

Þ    There is a 5% discount on super saver fares.

Þ    Regular interest rate is 1.9%.

Þ    Cardholders receive business class upgrades for free.

Þ    Cash advance fee is 1.9%.

Þ    Cardholders receive complimentary tickets.

Þ    Credit card issuer is AMEX.

Þ    Joining fee is INR 3750.

Þ    There are 0% fuel surcharge facilities that can only be availed at HPCL outlets.

HDFC Bank Titanium Credit Card 
Following are the salient features of HDFC Bank Titanium Credit Card:

Þ    Cardholders receive exclusive concierge services.

Þ    Regular interest rate is 2.65% per month.

Þ    Cardholders receive rebates at hotels and clubs.

Þ    Cash advance fee is 2.5% per month. The minimum cash advance fee is INR 300.

Þ    There are accelerated rewards programs that are provided on the basis of expenditure with the card.

Þ    Issuer is MasterCard.

Þ    Cardholders receive 0% fuel surcharge and balance transfer facilities.

Þ    Issuing bank is HDFC Bank.

Þ    Joining fees and renewal fees are variable.

Following are some other low interest credit cards that are available in India:

Þ      HDFC Bank Visa Signature Credit Card

Þ      BOBCARD Exclusive Woman credit card

Þ      HDFC Bank Platinum Plus Credit Card

Þ      BOBACRD Exclusive Youth Credit Card

Þ      HDFC Bank Corporate Credit Card

Þ      BOBACARD Silver Credit Card

Þ      Hero Honda SBI Credit Card

Þ      BOBACARD Exclusive Credit Card

Þ      BOBCARD Corporate Global Credit Card

Þ      Axis Bank Secured Credit Card

Þ      NEXTGEN BOBCARD Gold Credit Card

Þ      HSBC Platinum Credit Card

Þ      BOBACRD Gold Visa Credit Card

Þ      Yatra Barclaycard Platinum Credit Card

Þ      BOBACRD Gold MasterCard Credit Card

Þ      ABN AMRO Platinum Credit Card

How to apply for a Credit Card

Which Gold Credit Card to Apply?

There are forty gold credit cards available in India. Here they are:

Þ      American Express Gold Credit Card

Þ      SBI UBI (United Bank of India) Gold Credit Card

Þ      American Express Gold Charge Card

Þ      NEXTGEN BOBCARD Gold Credit Card

Þ      ICICI Bank Travel Smart Credit Card

Þ      BOBACRD Gold Visa Credit Card

Þ      Axis Bank Gold Plus Credit Card

Þ      BOBACRD Gold MasterCard Credit Card

Þ      Axis Bank Gold Credit Card

Þ      Cancard Visa International Gold Credit Card

Þ      HDFC Bank Gold Credit Card

Þ      ICICI Bank Orchid An Ecotel Credit Card

Þ      HDFC Womans Gold Credit Card

Þ      Axis Bank Secured Credit Card

Þ      HDFC Bank Gold Business Credit Card

Þ      Deutsche Bank Smart Gold Credit Card

Þ      American Express HPCL Credit Card

Þ      HSBC Gold Credit Card

Þ      Deutsche Bank Landmark Gold Credit Card

Þ      ICICI Bank Solid Gold (Visa) Credit Card

Þ      Barclays Bank Gold Credit Card

Þ      ICICI Bank Solid Gold (MasterCard) Credit Card

Þ      Citibank Cash Back Credit Card

Þ      ICICI Bank Gold American Express  Credit Card

Þ      Jet Airways Citibank Gold Credit Card

Þ      ICICI Bank HPCL Gold Credit Card

Þ      Jet Airways CitiBusiness Credit Card

Þ      ICICI Bank Big Bazaar Gold Credit Card

Þ      IndianOil Citibank Gold Credit Card

Þ      ICICI Bank Airtel Gold Credit Card

Þ      Citibank Gold Credit Card

Þ      ICICI Bank Toyota Credit Card

Þ      Reliance Gold Credit Card

Þ      Times Card from Barclaycard and TimesofMoney

Þ      Standard Chartered Gold Credit Card

Þ      Kotak Mahindra Trump Gold Credit Card

Þ      Standard Chartered Rotary Credit Card

Þ      Kotak Mahindra Fortune Gold Credit Card

Þ      SBI Gold and More Credit Card

Þ      ABN AMRO Smart Gold Credit Card


How to apply for a Credit Card