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

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

Which Premium Credit Card to Apply?



There are 33 various premium credit cards available in India. 

Þ    American Express Platinum Credit Card
Þ    Bajaj Allianz Super Value Titanium Credit Card
Þ    ICICI Bank Platinum Credit Card
Þ    Standard Chartered Emirates Platinum Credit Card
Þ    ICICI Signature Credit Card
Þ    Standard Chartered Emirates Titanium Credit Card
Þ    ICICI Bank Titanium Credit Card
Þ    Axis Bank Visa Platinum Credit Card
Þ    ABN AMRO Titanium One Credit Card
Þ    Yatra Barclaycard Platinum Credit Card
Þ    Citibank Platinum Credit Card
Þ    Deutsche Bank Platinum Credit Card
Þ    ICICI Bank Platinum Premiere Credit Card
Þ    Deutsche Bank Miles & More Platinum Credit Card
Þ    Deutsche Bank Landmark Platinum Credit Card
Þ    Deutsche Bank Miles & More Signature Credit Card
Þ    HDFC Bank Visa Signature Credit Card
Þ    HSBC Platinum Credit Card
Þ    HDFC Bank Platinum Plus Credit Card
Þ    SBI (State Bank of India) Platinum Credit Card
Þ    HDFC Bank Platinum Plus Credit Card
Þ    Kotak Mahindra League Platinum Credit Card
Þ    HDFC Bank Titanium Credit Card
Þ    Kotak Mahindra Royal Signature Credit Card
Þ    Jet Airways Citibank Platinum Credit Card
Þ    ABN AMRO MakeMyTrip Go Credit Card
Þ    American Express Kingfisher First Credit Card
Þ    ABN AMRO Platinum Credit Card
Þ    ICICI Bank Thomas Cook Titanium Credit Card
Þ    ICICI Bank Ascent American Express Credit Card
Þ    Standard Chartered Platinum Credit Card
Þ    ICICI Bank Platinum Identity Credit Card
Þ    Standard Chartered Super Value Titanium Credit Card

Which Credit Card to apply?


In Indian credit card market there are 12 major types of credit cards being provided by banks and financial institutions. These cards provide a wide variety of financial benefits to holders. 

Major India
 Credit Card Types
 
Following are various types of credit cards available in India:
Þ    Silver Credit Cards
Þ    Balance Transfer Credit Cards
Þ    Co-branded Credit Cards
Þ    Lifetime Free Credit Cards
There are some additional credit cards that are available in India as well. Rewards credit cards available in India can be subdivided into six categories – Points, Hotels and Travels, Retail, Auto and Petro cards. 


How to apply for a Credit Card