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Online Credit Card

As we all know that credit card is a type of payment card which is use to pay bill of trading and shopping. Facilities of credit card depend upon limit, offer and its type. In modern era credit cards are important and useful because it resolves plenty of transaction related issues and make online transaction secure and reliable. If card holders use this plastic currency smartly then it's quite effective otherwise user may face some serious financial trap or trouble.

Before you start use of your credit card, user must be aware about all policies and condition of the particular card. Especially if you are new user of credit card you must ask from responsible bank or financial organization to avoid any issues in future. Credit card user must ask about transaction limits, fees, security features, Information about discount facility, transaction charges, ATM cash withdrawal limit and other useful information as per your need. In case of new policies always confirm it with card providing company.

In short, it can be said that the card holder has to be aware about all policies to avoid any financial trap. Always keep monthly transaction records to make things transparent and reliable. After finalizing your choice, user may easily apply online for credit card.

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Advantage of Credit Cards

Apart from above described credit card advantages responsible organization or bank offers some amazing offers and facility to customers. Some trending offers that customers are getting with their credit card are reward points, bonus points; cash back offers, maximum discount on transactions, gifts on shopping, some customers may get opportunity in credit card renewable amount and much more.

Offers and facilities of credit cards depend upon types of credit card, some popular credit card categories are Business, Secured credit cards, Rewards, general purpose cards and several other that provides secure transaction facility and Some credit card provider are associated with international payment gateways such as MasterCard, Visa, standard chartered and American Express.

Paying all due on time is the best way to earn and maintain a healthy credit history because in some case when card holder will apply for a loan and if credit history is not so good then the loan will not be approved easily. Just because of poor credit history respective bank may reject requests of the loan.

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Apply for Credit Card Online

In case of poor bank credit history if customers' credit card request is denied by respective bank then customers can go for secure credit card. This type of card is issued against term deposit by account holder and provide an absolute guarantee of credit card, but these credit cards have some limitation in terms of availing facility and transaction limits. Some popular cards in this category are Kotak Aqua Gold Card, Axis Bank Easy Card, SBI Advantage Gold Card, ICICI Bank Instant Gold Card and many more.

If you are going to apply for credit card these, make sure that you have complete information about such as fee, renewable fee, terms and condition and other doubt that you have in your mind. Above describe banks avails the facility of online application of required charge or visa card. Sometimes a card providing bank or organization asks for hidden charges without providing complete information about that fee or tax. Customer must complete all these formalities before start using credit card.

As technology is making a huge impact on not only in human lifestyle, but it is also affecting to the entire banking, financial, corporate and several other sectors. To eases the application process to get credit card and online application is the best solution of this problem. It is less time consuming, convenient, secure and reliable than traditional System of entire processing. One of the major benefits of online application is the instant approval of credit card.

To apply online user need to follow steps outlined below: A. Initially user needs to visit official website of bank where you want to apply for your credit card. B. Fill the application form, always enter true information by following guideline of respective bank and submit application from. C. After the completion of above specified process, bank will send confirmation SMS and email.

Offline Mode of Credit Card Application

Follow the below steps to avail Credit Cards offline A. It is a common approach to apply for credit card. B. It can be executed by visiting your nearest bank branch. C. Now, applicant needs to ask about applicable form along with eligibility criteria regarding that you is going to apply. D. Fill and submit application form along with required documents. E. Another alternative regarding instant card approval is by contacting customer support team of respective bank.

Steps to Apply for Credit Card

Follow the below steps to apply Credit Cards online 1. Do your online research and select best credit card as per your need. 2. Check your account balance and source of income. 3. Check your credit history. 4. Check and compare your credit score. 5. Find authentic information about credit card you are looking to apply. 6. Read and compare customers feedback about respective credit card. 7. Compare offers, interest rates and other beneficial features. 8. Compare payment option as per your need. 9. Read instruction carefully. 10. Enter the correct details as per need. 11. Once you receive your credit card use it carefully to avoid any financial trap.

Available Types of Credit Cards

Air Travel Card

Shopping Card

Cash Back Card

Reward Card

Fuel Card

Prepaid Card

Information About Credit Card

In the modern era, credit card is the best option to pay bills and perform other transaction without any complication. Most service provider, dealer, shop owner will never ask for the extra amount if you are paying an amount through credit card not in the cash payment mode. If you are use credit card to pay your bill then the respective bank will give some additional benefits to you to make the shopping experience much beneficial.

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In case of cash withdrawal bank stops free credit period facility and will continue once remaining amount is paid to the bank. This condition, works in case of big amount is paid by user through credit card than cash payment option. The free credit period will work when user credit card to pay the complete bill in a certain time interval otherwise he will not get this facility. Shop and pay smartly to avoid any financial complication and better transaction facility.

Credit Card Definition

Credit card is payment cards issued by authorized financial institution or bank that provides facility to its user to perform various transactions with complete security and make payment facility easy.

As an aware and smart customer always follow and compare some main factors before applying for credit card. Some of them are:-

Joining And Annual Fees

User must collect information about joining and annual fees to avoid making card selection much easy.

Information Regarding Bonus And Reward Points

User must collect information about joining and annual fees to avoid making card selection much easy.

Information About Interest Rate

The card holder must know about current interest rate offered by respective banks on a particular credit card. Apart from interest rate user must know about free credit period facility and rollover facility.

Check Your Eligibility Against Respective Credit Card

This is one of the most important and mandatory step that every candidate who is looking to apply for a credit card must follow and select the card as per your eligibility. If any financial institution tries to convince you without any written proof, never go with their advice; always ask for written information and authentic records to avoid any major financial trap. Always validate information and ensure that information that you have is accurate and authentic.

Credit Card Number

A valid credit card number is combination of several important fields along with specific message. It is also known as primary account number or (PAN). User must know that these numbers abide by standard of ISO/IEC 7812 number system. It is understood that credit card numbers are used while performing online transactions and other vital transactions. These numbers contain the information about issuer identification number (IIN), i.e. 6 digit codes, identification number of individual account along with checksum of single digit. The issuer identification number is known as bank identification number (BIN).

Another thing that user must know that first digit of issuer identification number refers to the major industry identifier and specify that where use of card will be mandatory and on the other hand total number of digit is 9 then next three digits refers to country code as specified in ISO 3166-1.

Sr. No. Card Issuer Digit Criteria Remarks
A. Diners Club 14 Digits Including enRoute, Blanche, International
B. Master Card 16 Digits -
C. Visa and Visa Electron 13 Or 16 Digits -
D. Japan Credit Bureau (JCB) 15 or 16 Digits -
E. Discover 16 Digits -
F. Maestro 12 or 19 Digits Multinational Debit Card
G. American Express 15 Digits -
H. China UnionPay 16 Digits Peoples Republic of China
I. Solo 16, 18 Or 19 Digits United Kingdom Debit Card
J. Switch 16, 18 Or 19 Digits United Kingdom Debit Card
K. Laser 16 To 19 Digits Ireland Debit Card

How to use a credit card

Getting a credit card is a major financial step, but using it in a correct manner, is a huge responsibility too. Every coin has two sides and it completely depends on how you handle and manage things. The same goes for credit card as well. While using a CC responsibly can save you from unfortunate financial emergency, used irresponsibly can potentially lead to the spiral of long term debt.

So, follow some easy tips to never let CC become a financial burden over your budget.

Keep a track of your spending

When you have a credit card, you feel financially free, but that doesn't mean that you can utilize the entire credit limit without any worries of repayment. Before swiping your card, remember that you have to pay the entire amount you have spent on card. It can be very easy to rack up more debt on your card than you can actually afford to repay, therefore it's important to limit the usage and keep track of every spending.

Pay outstanding bill regularly

Nothing can save you from paying interest on your credit card if the outstanding bill is not paid on time. Regular bill payment is the foremost rule to use the card responsibly. Resist the urge to spend more than you can repay for any given month.

Avoid paying minimum balance

Another rule of thumb is avoid paying minimum balance out of total outstanding bill. This is because paying minimum bill might save you from financial burden in the ongoing month, but will ultimately increase financial burden in a coming month.

Set a sensible limit

No matter how much credit limit is available on your card, set a sensible limit at your own that you can repay without any worries. For instance, if you have a credit limit of Rs.40000 and a monthly income of Rs.20000, it is best not to exceed the usage above Rs.20000 or even less.

Top Banks offering Credit Cards in India

Bank/Financial Institution Top Credit Cards Annual Fee Range*
American Express a. American Express Platinum Reserve Credit Card
b. The American Express Platinum Travel Credit Card
c. The American Express Membership Rewards Credit Card
Rs. 1,000 - Rs. 10,000
RBL Bank a. RBL Platinum Maxima Card
b. RBL Bank Blockbuster Credit Card
c. RBL shoprite credit card
d. RBL Movies and More Credit Card
e. RBL Bank Cookies Credit Card
Rs. 500 - Rs. 2,000
Bank of Baroda a. Bank of Baroda Premier Credit Card
b. Bank of Baroda Select Credit Card
c. Bank of Baroda Easy Credit Card
Rs. 500 - Rs. 1,000
IndusInd Bank a. IndusInd Bank Platinum Aura Credit Card
b. IndusInd Bank Chelsea FC Credit Card
Rs. 0 - Rs. 1,099
Axis Bank a. Axis Bank Vistara Credit Card
b. Axis Bank Vistara Infinite Credit Card
c. Axis Bank Vistara Signature Credit Card
Rs. 1,500 - Rs. 10,000
HDFC Bank a. Regalia HDFC
b. MoneyBack HDFC
c. JetPrivilege HDFC Bank World
Rs. 500 - Rs. 10,000
ICICI Bank a. ICICI Bank Coral Contactless Card
b. ICICI Platinum Chip Card – Visa
c. Ferrari Platinum Credit Card
Rs. 0 - Rs. 5,000
Standard Chartered Bank a. Standard Chartered Manhattan Platinum Card
b. Standard Chartered Platinum Rewards Card
c. Standard Chartered Super Value Titanium Card
Rs. 250 - Rs. 5,000
Citi Bank a. Citibank Rewards Card
b. Citi PremierMiles Credit Card
c. IndianOil Citi Platinum Credit Card
Rs. 500 - Rs. 3,000
SBI Card a. SimplyCLICK SBI Card
b. Air India SBI Signature Card
c. SBI Card ELITE
Rs. 499 - Rs. 4,999
YES Bank a. YES FIRST Preferred
b. YES Prosperity Edge
c. YES Prosperity Rewards Plus
Nil*

Note*: The statics provided in the table are subject to change.

Features of Credit Cards

Credit cards, undoubtedly, have become the most important part of our lives, in order to manage finances better. The market is flooded with lots of credit cards variants including fuel, entertainment, rewards, and lifestyle. Individuals have got the freedom to select the card of their choice and needs.

However, these plastic cards may differ in the privileges they offer, but most cards come with similar basic features. Let's have a glimpse of it :-

Alternative to cash

No matter how good your bank balance is, it's quite difficult to carry a wallet full of money or cash anywhere and everywhere you go. But, the fact is, emergencies don't come considering your financial status. So, what to do next? Well, the answer is credit cards. Yes, credit cards are the most convenient and handy alternative to cash. A lot can be done with mere swipe of a card. Be it hospital bills, utility bills, recharges, wedding arrangements, online orders, and the list goes on, there is hardly something left that cannot be done with the petty card. So, say a goodbye to all your cash worries and grab your credit card today.

Aids payment in foreign currencies as well

The privileges of a CC are not restricted within the country's boundaries and the cardholders can avail the benefits even for overseas transactions. The transactions can be easily done in foreign currencies. This feature reduces the cumbersome process of currency conversion.

Keeps record of all your spendings

There is one thing in common that people don't remember where they have spent their money and this gives rise to mismanagement of finances. But, the case is completely eliminated with the use of credit card. Cardholders can keep a track of every single penny they have spent. Also, the banks or credit card provider companies send a monthly statement to the customers stating the total amount spend in a cycle along with all the debit and credit transaction details.

Grace period

Basically, this is a period given to the cardholder by the bank or CC provider company, in order to arrange finances to make payment of current outstanding bills. During this period, there is no interest charged over the outstanding bill.

Rewards

Isn't it would be great to earn exciting rewards on every purchase? Sounds interesting, right. Well, most credit cards come with exciting reward and discount offers that make your CC experience even better. On weekend and specific spending, the rewards are accelerated and the cardholder can earn up to 15 times more rewards.

Interest-free Period Offered by Top Banks India

Credit Card Issuer Credit Card Interest-free Period
American Express Credit Card Up to 48 days
ICICI Bank 18 to 48 days
Axis Bank 20 to 50 days
HDFC Bank Up to 50 days
Kotak Mahindra Bank Up to 48 days
HSBC Bank Up to 52 days
IndusInd Bank Up to 50 days
State Bank of India 20 to 50 days
Citibank Up to 50 days

Benefits of Credit Cards

A credit card is the most convenient financial tool that comes handy for everyday purchases from booking air tickets to buying groceries. Over the years the demand of credit cards has increased at swift rate and all thanks to the perks and privileges it holds for every cardholder.

Welcome bonus

It feels great when you enter into someone's place and gets your favourite welcome drink, right? Going with this tradition, most credit card companies provide exciting welcome bonuses and rewards to their customers as welcome gift. This may include shopping vouchers from top brands, movie tickets, flight tickets, bonus reward points, and so on.

Cash back

Well, this is somewhat similar to earning rewards, but the only difference is instead of crediting rewards to the cardholder’s account, cash back amount, on certain transactions, is directly debited to the account. However, the offer is restricted to selected categories or transactions only. Also to be notes is that the percent of cash back can vary from category to category and bank to bank.

Complimentary personal accident insurance

Another feather in the cap states the complimentary coverage of personal accident insurance for up to Rs.50 lakh. Most CC companies provide insurance policies to the cardholders in order to ensure better and enhanced financial assistance in case of any uncertain event. These complimentary extras can get you a great deal of time and money and gives a peace of mind in long run.

Convenient and hassle-free shopping

Even if you ask a random cardholder about the benefits of credit card, their first answer would be – it’s convenient and hassle-free. Of course, the fact is very well said as the cards are convenient to use for daily shopping. One doesn’t need to carry cash everytime they go out. Also, carrying cash invites the risk of robbery. The risk is completely eliminated with the use of credit cards.

Interest rates Charged by Top Banks India

Credit Card Issuer Credit Card rate of interest on revolving Credit
American Express Credit Card 1.99% to 3.5% per month
IndusInd Bank 3.83% per month
ICICI Bank 2.49% to 3.50% per month
Axis Bank 2.50% to 3.25% per month
Citibank 3.10% to 3.50% per month
HDFC Bank 1.99% to 3.49% per month
Kotak Mahindra Bank 2.49% to 3.50% per month
HSBC Bank 1.99% to 3.30% per month
State Bank of India Up to 3.35% per month

Lesser known Credit Card facts

A. Diner's Club is the first company to offer a credit card back in 1950. Despite the limited network of just 14 restaurants in New York, the company garnered over 20000 cardholders within a year. B. Frank X. McNamara, Diner's Club founder, went for a dinner at a restaurant one evening and realized he had forgotten his wallet. This gave rise to the idea of credit card. C. If you lined up all the credit cards in the world side-by-side, you could span the moon nearly 14 times. D. VISA stands for Visa International Service Association. E. Around 10000 credit card transactions are made around the world every second. F. The first MasterCard or credit card hologram was introduced back in 1983 to safeguard transactions and make forgery difficult. G. The first six digits of a credit card number are known as the Issuer Identification Number and the rest of the digits make up personal credit card account number. H. Credit card numbers can be validated using a checksum formula known as the Luhn algorithm. I. Credit card expires but not the account. J. Single women were restricted to get credit cards until 1974.

Add-on credit cards

The days are long gone when living a life on credits was a taboo in a society. Today, around half of population owns a credit card. Even it is believed to be a great tool to manage finances better. As the demand of credit cards is everyday rising, a new concept was introduced by banks and CC Companies – add on or supplementary card.

Basically, as the name suggests, supplementary card is an additional card that is issued under primary card. This card allows sharing the benefits with parents, spouse, sibling, or children aged above 18 years. However, there are certain terms and conditions linked with the secondary or add-on card, which differs from bank to bank.

Benefits of Add-On Credit Card

When used well with responsibility and judiciously, add on credit cards come with an array of benefits and privileges. Let's have a glimpse of benefits of add-on credit cards:

Accumulate rewards on all cards

One thing that lures to grab a credit card is exciting accumulating reward points on every purchase. When a secondary card is registered with the primary one, rewards earned on all cards are also directed to the primary card. The accumulated points can be redeemed against a variety of redemption options.

Introduction to credit for youngster

Giving your kid or younger sibling knowledge to manage finances better helps them build a better and secured future financially. Add-on credit card gives an understanding about the credit card usage. It also helps them to keep a control of their spending habits and improving their financial managerial skills.

Good for individuals with lower credit score

Those who have low or no CIBIL score, add on card is a great element for them. Usually, banks or CC provider companies don't issue a credit card to applicants with low credit score. However, add-on cards don't work to improve or boosting the secondary cardholder's CIBIL score, they can be good financial element for getting an additional spending power.

Credit Information Bureau India Limited - CIBIL

Credit Information Bureau (India) Limited (CIBIL) score play important role in acceptance of credit card request and it also reflect your credit history. CIBIL score always calculate in rage of 300 to 900, where 300 represent to lowest CIBIL score and 900 represent highest CIBIL score. If your bank credit history is good then you will easily get your credit card.

Steps to Apply for a Credit Card from ApplyKaroo

Step 1 : Go to url https://www.applykaroo.com/credit-cards and following window will appear on screen.
Step 2 : Enter name of your city, type of job and your monthly income and click on the search button.
Step 3 : Then,as per user detail relevant credit card's list will appear on screen.
Step 4 : Then, user can select the best credit card as per his interest and then click on the APPLY NOW button.

Step 5 : Now, Enter your personal details as per requirement in application form.

Step 6 : After detail submission,within month respective bank will deliver your credit card at your door step.

Air Travel Card

The air transport association and American airlines jointly launched this vital visa card for all frequent travelers to make their trip economical as well as memorable for longer time. Air Travel Credit Card avails maximum number of travel related luxury along with some remarkable benefits to take things into a different level. They are designed to specifically to make trip even better and interesting.

In case of cash withdrawal bank stops free credit period facility and will continue once remaining amount is paid to the bank. This condition, works in case of big amount is paid by user through credit card than cash payment option. The free credit period will work when user credit card to pay the complete bill in a certain time interval otherwise he will not get this facility. Shop and pay smartly to avoid any financial complication and better transaction facility.

Top Air Travel Cards In 2019

Axis Vistara Infinite Credit Card

Free business class flight ticket as a gesture of welcome gift

Earn 6 reward points on every spent of Rs.200 and 10 reward points on every spent of Rs.100 at the official Vistara website

Complimentary lounge access under Visa Lounge Access Program and Club Vistara Gold Membership (4 visits/quarter)

HDFC Diners Jet Credit Card

15 Tier points on making first transaction within 90 days of card issuance

Earn 8 JPMiles for every spent of Rs.150 and earn additional 15000 JPMiles on exceeding Rs.150000 within 90 days of card issuance

Unlimited complimentary golf course access across 20 domestic and 40 global golf courses

Enjoy fuel surcharge waiver up to Rs.1000 per month

AMEX Jet Privilege Credit Card

Get 12500 bonus JPMiles and a complimentary Jet Airways air ticket as a gesture of welcome gift

Get 5000 renewal bonus and Jet Airways air ticket promo code on card renewal

Earn up to 10 JPMiles on every spent of Rs.100 across all categories

Complimentary airport lounge access, free movie tickets, golf rounds, discount on dining, and much more

SBI Air India Signature Credit Card

Earn 4 reward points on every spent of Rs.100 across all categories and accelerated 20 reward points for every spent of Rs.100 on Air India official website.

Get fuel surcharge waiver of Rs.250 per statement cycle on minimum transaction of Rs.500.

Earn additional 5000 reward bonus points on card renewal.

Enjoy complimentary lounge access under complimentary Priority Pass Program

Standard Chartered Yatra Platinum Credit Card

Earn 10% cash back on travel ticket bookings via yatra.com

Earn 4x reward points on every spent of Rs.100 on yatra.com

Get travel vouchers worth Rs.4000 as welcome gift on making transaction within 60 days of card issuance

Grab a host of discount and offer opportunity across dining, shopping, and more under Standard Chartered Good Life Programme

Earn 1% fuel surcharge waiver on minimum fuel purchase of Rs.500

Kotak Bank Royale Signature Credit Card

Earn up to 4X and 2X reward points on every spent of Rs.150 on special and other categories, respectively.

Get annual fuel surcharge waiver of up to Rs.3500, applicable on transaction between Rs.500 to Rs.3000

Get credit card loss liability cover of up to Rs.250000 against fraudulent usage up to 7 days pre-reporting

Complimentary airport lounge access in India

Citi PremierMiles Credit Card

Earn 10 miles for every spent of Rs.100 on airline transactions via Citi bank official website & redeem the miles points against hotel reservation and booking travel tickets from partnered airlines

Earn additional 10000 miles points on making minimum transaction of Rs.1000 within 60 days of card issuance

Contactless credit card to protect against any fraudulent and card cloning scams

Axis Bank My Wings Credit Card

Enjoy 15% discount on dining at partnered restaurants across India

Convert your purchases over Rs.2500 into easy monthly instalments

Enjoy complimentary access to airport lounges across India

Joining fee - Rs.1200

Prepaid Credit Card

It can be said that it is revolutionary step taken by banking and financial organization to transform the entire payment system. One of the main reasons behind this is that people prefer online transaction rather than wasting time in traditional payment system. These days balance transfer is one of the main tasks of this credit card.

Working process of this is quite similar to credit card where user needs to borrow credit from respective bank. It consists of logo of visa and master card, security chip, magnetic stripe, unique card number along with highly configured security chip. These things may become even more interesting if someone will look to utilize recently launched interesting and best credit card deals and other respective offers.

Types of Prepaid Credit Card

A.Non Reloadable Credit Card

B.Open Looped

C.Semi Open Looped

D.Closed Loop

E.Reloadable

Credit Card Transaction Step

A.Authentication of User

B.Batching Process

C.Clearing And Settlement

D.Funding

E.Chargeback

Benefits of Prepaid Credit Card

A. User does not need to pay higher interest rate while paying any utility bill or any other vital transaction. B. Any individual can easily pick the best one as per their requirement because; you do not need to maintain higher credit score, healthy bank balance and other specific criteria. C. Like credit card, user does not need to wait for certain time to get their card. Respective companies instantly issue the card as per request of customer. D. Tracking all transaction related activities is quite easy and these are quite secure to use. E. Open looped prepaid card can be used to withdraw amount from ATMs. F. Sometimes users will get special reward and cash back earning opportunity. G. As per their interest, customer may easily pick customized one to get special privilege on respective field. H. Instant approval is one of the credit card is one of the striking facility of these cards.

Top Prepaid Credit Cards In 2019

State Bank Smart Payout Card

Minimum of Rs.100 and maximum Rs.10000 can be loaded in the card.

Rs.10 per reload is charged.

No limit on the number of transactions until the balance on the card finishes.

Enjoy up to 3 add on cards.

Saral Money Prepaid Card

Joining fee - Rs.250 + GST

Minimum load limit of Rs.100 and maximum up to Rs.50000

Free cash withdrawal facility from any ICICI Bank ATM

No limit on the number of transactions.

Axis Bank Smart Pay Card

Daily cash withdrawal limit of Rs.20000

Daily point of sale transaction limit is set to Rs.50000

Applicants don't need a separate salary account to get the card.

Exciting deals and offers on the card.

State Bank Achiever Card

Minimum load limit of Rs.100 and maximum Rs.10000 can be loaded in the card.

No cash withdrawals are allowed on the card.

No restriction on the number of transactions at Point-of-Sale and online retailer purchases

Joining fee - Rs.100 + GST

HDFC Bank Forex-Plus

Available in 22 foreign currencies including USD, Euro and GBP

Contactless card for enhanced security and protection of the transactions

Protection against Foreign Exchange fluctuation.

Availability of backup card, so in case the primary card is lost, you can activate your backup card by simply logging to HDFC net banking.

State Bank Xpress Money Card

Maximum up to Rs.50000 can be loaded in the card.

Maximum up to 30 remittances can be loaded during a calendar year.

The card can be used at any bank ATM for cash withdrawal.

No separate bank account is required.

ICICI Bank PayDirect Card

A complete payroll solution for a company.

Bulk uploading and reloading facility.

The card is accepted across more than 5 lakh merchants.

No minimum balance maintenance required.

American Express Serve Prepaid Credit Card

Monthly fee - $7.95

Zero cash withdrawal charges at MoneyPass ATMs and $2.50 at non-MoneyPass ATMs

ATM transaction decline fee - $0.75

No CIBIL score is required to get the card.

Union Bank Payroll Card

The cards are easier to get even for employees without bank accounts.

Cardholders can access their salary without any fee.

Overdraft facility available.

No restriction on the number of transactions per month.

HDFC MoneyPlus Card

A great alternative to cash and gift vouchers.

Track the statement any time via HDFC net banking.

Get free accidental personal insurance cover of Rs.3 lakh

Cash withdrawal limit of Rs.1000 per day.

HDFC Bank ItzCash Prepaid Card

A simple and efficient payment solution for the cardholders.

Maximum up to Rs.5 lakh can be reloaded in the card.

Enhanced security and protection on the card usage.

The card can be used across any POS outlets.

IDBI Bank ItzCash Prepaid Card

An applicant doesn't require a separate bank account to get the card.

Enjoy cashless, secure, and convenient banking transactions.

Cash withdrawal facility across the country.

Card validity of up to 5 years.

Major Parties Involved In Utilization

Consumer or Card Holder

The user uses this to perform all vital transaction while shopping online.

Bank That Issue Card

Reputed bank and financial organization avails this facility to ease all transaction related processing as per guideline of reserve bank of India.

Merchant

Under this category basically merchant and its service provider connect with each other regarding exchange of services.

Bank that Acquire Services

On behalf of merchant, financial institutions accepts payment regarding services and products.

Sales Based Organization

Agency that resell its services or product to merchant.

Account of Merchant

Sometimes it refers to independent sales organization or acquiring bank. In most of the cases it goes with merchant that manage it.

Transaction Network

It refers to controller system that handles all queries and processing of transactions.

Association of Credit Card

They are responsible for handle all transaction based pact with merchant and mange services of renown service provider like visa, master, discover and several other.

Insurance Provider

All reputed organization or agency offers special privilege along with insurance facility for personal, vehicle, health, travel, home and other ones.

Affinity Partner

Universities, sports teams, major retailers, professional organization are the best example that utilizes the services of respective bank.

Entertainment Credit Card

Are you a night life lover? Do you love going clubs every weekend? Do you frequently visits fancy restaurants? Or are you a die-hard fan of new film releases? Did you ever compromise your desires and sit back at home just because of empty pockets?

If yes, then shoot your worries out because entertainment credit card is here packed with amazing rewards and exciting bonuses."All work and no play make Jack a dull boy!" and it comes true in the modern day society where everyone is rushing towards their life goals, not realizing that life is in the present moment.

Many of times, we compromise our desires to enjoy a club night or to dine at fancy restaurants, but, no more keeping aside your desires just because it is a month-end or you are empty pockets. You can simply redeem the reward points to book club or movie tickets or at partnered restaurants. So, set yourself free and live in the moment.

Top Entertainment Credit Card in India Citibank Ultima Visa Credit Card, Axis Bank Infinite Credit Card, SBI Platinum Card, Kotak Trump Gold Credit Card, Citi Dividend Platinum Select MasterCard, ICICI Bank Rubyx Credit Cards, HDFC Platinum Times Card.

Top Entertainment Cards In 2019

Citibank Ultima Visa Credit Card

Earn 1 reward point on every spent of Rs.150 across all categories

Receive 10000 air miles and voucher worth Rs.10000 from Taj Group with first transaction with the card

Get complimentary membership of Kingfisher Gold Tier Club or JetAirways Platinum Club

Get complimentary airport lounge access to over 700 VIP lounges globally

Axis Bank Infinite Credit Card

Complimentary business class air ticket as a gesture of welcome privilege

Get up to 3 business class air tickets free and 10000 CV on milestone spends

Earn 6 CV points on every spent of Rs.200 across all categories

Complimentary club Vistara gold membership

Annual fee of Rs.10000

SBI Platinum Credit Card

E-Gift vouchers worth Rs.3000 from popular brands like Bata, Pantaloons, Yatra.com & Earn up to 10 JPMiles on every spent of Rs.100 across all categories

Earn 20 reward points on every spent of Rs.100 on utility bill payments & 10 reward points on every spent of Rs.100 on dining, groceries, movies, and departmental stores

Complimentary airport lounge access, free movie tickets, golf rounds, discount on dining, and much more

Kotak Trump Gold Credit Card

Earn 3X reward points on every spent of Rs.100 on retail purchases

Get free movie tickets on milestone spending of Rs.1 lakh in a subsequent year

The card comes with zero joining fees

Annual fees - Rs.199

ICICI Bank Rubyx Credit Card

Get shopping and travelling vouchers worth Rs.5000 on payment of joining fee of Rs.3000

Get 2 complimentary visits at golf courses every month & Enjoy complimentary domestic airport lounge access (up to 2 visits per quarter)

Earn 2X reward points on all international transactions & Enjoy up to 15% savings on dining bills at over 2500+ partnered restaurants across India

HDFC Platinum Times Card

Enjoy movie discounts of up to Rs.1800 via Bookmyshow in a year

Get fuel surcharge waiver and save up to Rs.1500 in a year

Earn 3 reward point and 10 reward points on every spent of Rs.100 on weekdays and weekends, respectively

Free Accidental Death Insurance cover of up to Rs.50 Lakhs on minimum 4 transactions per month

Travel Credit Card

Credit cards have been an inseparable part in modern day society. One cannot imagine meeting all their expenses without having this small piece of plastic card in their pockets.

Why so?, This is because, appearing small in size, the credit cards are packed with lots of benefits, convenience, and lots and lots of rewards. Yes, you read it right, rewards. While swiping your card, funds get debited and rewards are credited to your account, in order to make your shopping experience more enchanting. Cardholders can crave for more reward points while booking travel tickets because Travel credit cards come with additional reward points on travelling expenses. Earned rewards can be redeemed against travel ticket booking, lounge access, special privilege programs, and so on. Travel Credit Cards can be accessed globally, probably, with no additional fee and hidden charges. So, get your travel card today and fly free.

Many of times, we compromise our desires to enjoy a club night or to dine at fancy restaurants, but, no more keeping aside your desires just because it's a month-end or you are empty pockets. You can simply redeem the reward points to book club or movie tickets or at partnered restaurants. So, set yourself free and live in the moment.

Top Travel Credit Card in India Amex Platinum Travel Credit Card, Citi Premier Miles Credit Card, Axis Bank Miles and More World Card, Jet Airways ICICI Bank Rubyx VISA Credit Card, SBI Air India Signature Card, HDFC Superia Credit Card, Axis Bank Titanium Smart Traveller Credit Card, Yatra SBI Card, American Express Platinum Travel Credit Card.

Top Travel Credit Cards In 2019

Amex Platinum Travel Credit Card

Get 5000 reward points as welcome gift redeemable for travel vouchers worth Rs.4000

Earn 8 JPMiles on every spent of Rs.150 on all selected categories except fuel and utility bill payments.

Enjoy 4 complimentary visits to airport lounges at selected airports.

Enjoy zero lost card liability along with 24*7 platinum assist.

Citi Premier Miles Credit Card

Earn 10 reward points on every spent of Rs.100 on flight ticket bookings and hotel reservations.

Earn 10000 Miles points on minimum spending of Rs.1000 within first 60 days.

For every 2 Miles points, earn 1 Frequent Flyer Air Mile and redeem against Cathay Pacific, British Airways, Malaysia Airlines, Thai Airways, Qatar Airways, Etihad Airways, Turkish Airlines, Singapore Airlines, and Air India.

Save up to 15% on dining bills across partnered restaurants.

Axis Bank Miles and More World Card

Earn exciting bonus rewards as welcome privilege on making first transaction.

Enjoy 2 complimentary airport lounge access under priority pass program.

Earn up to 20 reward points on every spent of Rs.200 on selected categories.

Avail minimum discount of 15% on dining bills across partnered restaurants in India.

Jet Airways ICICI Bank Rubyx VISA Credit Card

Get exclusive welcome vouchers from popular brands like Lenskart, GrabOn, and Spykar.

Earn 2500 bonus points every year on card renewal.

On making payment of annual fee within 45 days of card issuance, get Jet Airways Complimentary domestic air ticket code.

Earn 3 JPMiles, 4 JPMiles, and 6 JPMiles on every spent of Rs.100 on domestic spends, international spends, and Jet Airways official website, respectively.

SBI Air India Signature Card

Get 20000 bonus reward points as welcome privilege on making payment of joining fee.

Earn 4 reward points for every spent of Rs.100 and get up to 1 lakh bonus reward points every year.

Get 30 reward points on every Rs.100 spent on Air India tickets.

Get complimentary airport lounge access under Priority Pass Programme.

HDFC Superia Credit Card

Get 1000 reward points as welcome privilege.

Save up to 50% on dining bills at participating restaurants across India.

Earn 3 reward points on every spent of Rs.150 on selected categories.

Get free accidental personal insurance cover worth Rs.50 lakh on making minimum 4 transactions per month.

Axis Bank Titanium Smart Traveller Credit Card

Enjoy a minimum discount of 15% on dining bills at participating restaurants under Axis Bank Dining Delight program.

Get 1% fuel surcharge waiver on all transactions at petrol pumps in India.

Convert your purchases of more than Rs.2500 into easy monthly instalments.

Redeem accumulated points against various redemption options.

Yatra SBI Card

Get welcome privilege vouchers worth Rs.8250 by Yatra.com

Avail exciting discounts on air ticket bookings via Yatra

Earn up to 6 reward points on every spent of Rs.100 on selected categories.

Get 2 complimentary visits to domestic airport lounges.

American Express Platinum Travel Credit Card

Get welcome privilege of 5000 Milestone bonus membership rewards and redeem the points against travel vouchers worth Rs.4000.

Earn 7500 bonus rewards on making milestone spending of Rs.1.90 lakh in a subsequent year.

Enjoy 4 complimentary airport lounge visits across 29 domestic airports.

Unlock exciting discount deals across categories like dining, entertainment, retail, travel, and many more.

Rewards Credit Card

How would it be if you earn exciting reward points for every spend? Isn't it sounds great?

We all crave for rewards, bonuses, discounts, and lots of privileges and this is what reward credit cards are packed with. So, no more window shopping and no more compromising your desires because reward credit card is here to aid all your finances and can bridge the gap between limited income and infinite expenses. You can earn exciting rewards for every spent and can redeem the points against numerous options from reward redemption catalogue.

Not just the cardholders can earn rewards for every spent, but, they can also accelerate the privileges on selected categories of spends. Though, special categories may differ from one card to another, therefore, it is best to go through all card-related details and informations. So, stop compromising and start craving.

Top Rewards Credit Cards in India Standard Chartered Platinum Rewards Card, SBI ELITE Credit Card, Standard Chartered Manhattan Credit Card, SBI simply click credit card, Standard Chartered Super Value Titanium Credit Card, SCB Ultimate Credit Card, YES FIRST Preferred Credit Card.

Top Rewards Credit Cards In 2019

Standard Chartered Platinum Rewards Card

Earn 5 reward points on every spent of Rs.150 on dining and fuel categories; while 1 reward point on other categories.

Enjoy a host of privileges across shopping, dining and travel categories

Get 1% fuel surcharge waiver on fuel transactions between Rs.500 and Rs.4000

Annual fee – Rs.250

SBI ELITE Credit Card

Grab welcome e-gift vouchers worth Rs.5000 from popular brands like Hush Puppies, Marks & Spencer, Pantaloons, Yatra, and Shoppers Stop.

Get 2 free movie tickets every month and save up to Rs.6000 on movies.

Get 5X reward points on every spent of Rs.100 on Dining, Departmental stores and Grocery purchases.

Earn additional 10000 bonus reward points on milestone spending of Rs.3 lakh and more.

Standard Chartered Manhattan Credit Card

Enjoy 5% cash back on spending across supermarkets and departmental stores.

Earn 3x reward points on every spent of Rs150 on other categories.

Get exciting discount offers and privileges at hotel bookings.

Avail Rs. 1,000 discount on domestic flight bookings via Yatra.com

SBI simply click credit card

Get e-voucher worth Rs.500 from Amazon as welcome gift.

Earn 10X reward points on online spending with exclusive brand partners like Amazon, Cleartrip, Bookmyshow, Lenskart, UrbanClap, and FoodPanda.

Get 1% fuel surcharge waiver per statement cycle for transactions between Rs 500 and Rs 3000.

Get annual fee of Rs.499 reversed on milestone spending of Rs.1 lakh

Standard Chartered Super Value Titanium Credit Card

Earn 1000 welcome reward points on first swipe of the credit card.

Earn 1 reward point on every spent of Rs.150 on all categories.

Enjoy 5% cash back on fuel spends, utility bills payments, and phone bills.

Get renewal fees reversed on making milestone spending of Rs.60000 in a subsequent year.

SCB Ultimate Credit Card

Earn up to Rs.10000 cash back as welcome bonus on spending at Makemytrip.com (booking should be done within 60 days of card issuance)

Earn 5 reward points on every spent of Rs.150 on selected categories.

Complimentary airport lounge access (4 Visits per quarter for domestic and 1 visit per quarter for international airport).

Get up to 25% off on dining across 250+ partnered restaurants in India.

Enjoy 2% foreign currency markup fee on overseas spends.

YES FIRST Preferred Credit Card

Enjoy 8 reward points on every spent of Rs.100 on selected categories.

Complimentary lounges access 4 times a year under Priority Pass program.

Earn 20000 reward points on milestone spending of Rs.7.5 lakhs in a subsequent year.

Shopping Credit Card

Being a shopaholic is actually a great thing to get relieved of all worries and tensions, but, many of times, being shopaholic itself gives birth to all worries and lack of confidence, especially when you are running out of balance or you are at the month-end. But, a shopping credit card is every shopaholic's best friend, making the most out of their shopping experience. Shopping card can be accessed at over million merchant outlets globally.

Moreover, cardholders can earn exciting rewards every time they shop from the partnered brands. So, even if you are running out of cash and desperately wants to buy a new dress for your friend/cousi's wedding or for cracking an interview, no need of losing your confidence and slip into your personality's best side. Apart from shopping, cardholders can enjoy a host of privileges on dining and travel as well.

Best Shopping Credit Cards in India ICICI Coral American Express Credit Card, SBI Simply Click, SnapDeal HDFC Card, First Citizen Citibank Titanium Credit Card, Axis Bank Neo Credit Card, Axis Bank My Zone Credit Card, Yes Prosperity Edge Credit card.

Top Shopping Credit Cards In 2019

ICICI Coral American Express Credit Card

Joining fee - Rs.500

Enjoy 2.5% fuel surcharge waiver on maximum fuel spending of Rs.4000 at HPCL petrol pumps.

Grab best dining, entertainment, travel, and shopping deals across popular brands.

Earn 4 PAYBACK rewards points on every spent of Rs. 100 spent on groceries shopping and dining.

Enjoy 15% discount on dining bills across partnered restaurants across India.

SBI Simply Click Credit Card

Earn 10X reward points on online spending with exclusive brand partners like Amazon, Cleartrip, Bookmyshow, Lenskart, UrbanClap, and FoodPanda.

Get annual fee of Rs.499 reversed on milestone spending of Rs.1 lakh.

Get e-voucher worth Rs.500 from Amazon as welcome gift.

Get 1% fuel surcharge waiver per statement cycle for transactions between Rs 500 and Rs 3000.

SnapDeal HDFC Card

Get 500 reward points as welcome bonus.

Earn 2 reward points on every spent of Rs.150

Shop at SnapDeal and earn cash back of Rs.500

Get 2.5% fuel surcharge waiver on minimum spend of Rs.400.

First Citizen Citibank Titanium Credit Card

Get exclusive shopping vouchers from popular brands as welcome bonus.

Earn up to 7 reward points on every spent of Rs.100 on selected brands.

Get annual fee waived off on annual spending exceeding Rs.30000 in a subsequent year.

Easy and flexible EMI options at over 2000 retail outlets across India.

Axis Bank Neo Credit Card

Exclusive gift vouchers as welcome bonus on making first transaction within 30 days of credit card

Enjoy 15% discount on dining at partnered restaurants across India.

Earn exciting reward points on every spent and redeem against wide range of redemption options.

Annual and renewal fees - Rs.250.

Yes Prosperity Edge Credit card

Grab welcome bonus of 1500 points on spending Rs.7500 within 30 days of card issuance.

Get 6 reward points on every spent of Rs.100 on your birthday.

Earn 3, 4 and 5 reward points on every spent of Rs.100 on retail, online, and international purchases, respectively.

Enjoy enhanced security and protection with contactless card usage.

Axis Bank My Zone Credit Card

Get joining fee of Rs.500 waived off on spending at least Rs.5000 within 45 days of card issuance.

Complimentary airport lounge access across domestic and international airports.

Earn 4 reward points on every spent of Rs.200 on selected categories.

Earn 10X reward points on weekend dining.

Enjoy up to 25% cash back on movie tickets via BookMyShow.

Cash Back Credit Card

Who else doesn't crave for discounts, rewards, and whopping cash backs?

Cash back credit cards are packed with amazing cashback offers against spending across several categories. Credit card reward programs come in so many varieties that it sometimes becomes difficult to choose the best card for all your spending habits. However, while choosing the cash back credit card, it is important to look for the shopping categories you prefer the most, so that you can get the most out of your shopping habits.

Basically, with Cash Back Credit Cards , a particular percentage of the amount spent on the card will be returned to you as cash back. Though, cash back rewards may differ on each categories from card to card. Thus, it is best to choose the cash back credit card that comes with relatively high cash back offers.

Top Cashback Credit Cards In 2019

Citibank Cashback Credit card

Get 5% cash back on movie tickets, utility bills payments, and so on.

Earn 5% cash back on telephone bill payments.

Avail exciting discounts across participating restaurants.

The cash back in multiplies of Rs.500 will be automatically credited.

Standard Chartered Manhattan Platinum Credit Card

Earn 3X reward points with every purchase with SC Manhattan Platinum Credit Card.

Get up to 25% off on movie ticket bookings at INOX.

Earn 5% cash back on purchases across supermarkets and departmental stores.

Save up to Rs.8650 annually with the SC credit card.

ICICI Bank Platinum Chip Credit Card

Earn 2 PAYBACK points on every spent of Rs.100 on retail purchases except fuel.

On milestone spending of Rs.50000 in a subsequent year, get annual fee waived off.

Get 1% fuel surcharge waiver for fuel purchases at HPCL petrol stations.

Save a minimum of 15% on dining bills at participating restaurants across India.

HDFC Bank Moneyback Credit Card

Get 500 reward points as joining perks.

Earn 2 reward points on every spent of Rs.150 on retails purchases and 4 reward points on online purchases.

Get joining fee waived off by opening saving or current account with HDFC bank within 3 months of card issuance.

On milestone spending of Rs.50000 in a subsequent year, get annual fee waived off.

Citi Cashback Card

Enjoy dining privileges with minimum 15% off on dining across participating restaurants in India.

Get 5% cash back on telephone and utility bill payments.

Avail 5% cash back on movie ticket bookings with the card.

The accumulated cash back in multiplies of Rs.500 will be automatically credited.

YES Prosperity Reward Plus Card

Earn 1250 reward points as welcome privilege on spending minimum Rs.5000 within 30 days of card issuance.

Earn 3 and 4 reward points on every spent of Rs.100 on domestic and international transactions, respectively.

Enjoy accelerated reward points on birthdays.

Avail fuel surcharge waiver on fuel transactions between Rs.400 and Rs.5000

Citi Rewards Card

Earn up to 1500 bonus points as joining perks on making first purchase within 30 days of card issuance.

Earn 10 reward points on every spent of Rs.125 at departmental stores and other selected categories.

Avail exciting discount offers on dining across more than 600+ participating restaurants.

Get annual fee waived off on milestone spending of Rs.30000 in a subsequent year.

HSBC Smart Value Card

Grab Cleartrip voucher worth Rs.2000, Amazon voucher worth Rs.250, and Bookmyshow voucher worth Rs.200 as welcome privileges.

Earn up to 3 reward points on every spent of Rs.100 on selected categories.

Get annual fee waived off on milestone spending of Rs.50000 in a subsequent year.

Enjoy 15% discount on dining bills across participating restaurants in India.

American Express Payback Credit Card

Grab flipkart voucher worth Rs.750 on making at least 3 transactions within 60 days of card issuance.

Earn 2 PAYBACK points on every spent of Rs.100 on selected categories.

Earn additional flipkart voucher worth Rs.7000 on milestone spending of Rs.2.5 lakh in a subsequent year.

Get special discounts on travel, dining, and online shopping.

The American Express Membership Rewards Credit Card

Get 2000 reward points on minimum spending of Rs.25000 within 90 days of card issuance.

Earn 1 membership reward point on every spent of Rs.50 across selected categories.

Get annual fee of Rs.1500 waived off on milestone spending of Rs.1.5 lakh in a subsequent year.

Earn 1000 additional bonus reward points on making at least 4 transactions of Rs.1000 every month.

ICICI Instant Platinum Card

Enjoy 15% discount on dining bills across 2600+ participating restaurants under Culinary Treats program.

Earn 2 PAYBACK points on every spent of Rs.100 on selected categories.

Get Rs.100 off on movie ticket bookings via BookMyShow.

Save on fuel expenses with 2.5% fuel surcharge waiver.

Citibank Premier Miles Card

Earn 10000 Miles points as welcome privilege.

Earn 10 Miles for every spent of Rs.100 on flight bookings and hotel reservations

Annual fee - Rs.3000

Share the privileges with add-on card for no extra fees.

SBI Signature Credit Card

Get a shopping voucher worth Rs.5000 as welcome gift.

Earn 2 reward points on every spent of Rs.100 across selected categories.

Earn additional 10000 bonus points on milestone spending of Rs.3 lakh in a subsequent year.

Avail exciting discount offers on movie ticket bookings via BookMyShow.

Fuel Credit Card

Well, now or then, we all got admired with the enchanting road trips in movies and shows, but, rising fuel prices bounds to fulfil our admires. Therefore, fuel credit card comes packed with amazing rewards on fuel expenses, so that, you can enjoy long drives without feeling the pinch in your pockets. There are several fuel cards having tie-ups with crude oil companies across the country and are offered by banks as co-branded cards.

Cardholders can earn rewards and cash back on fuel expenses. Choosing these cards might make fuel expenses slightly cheaper than usual and you can earn reward points for your long drives truly unforgettable and worth your time. Cardholders can get fuel surcharge waiver on every monthly cycle for pre-specified minimum purchase. Apart from fuel surcharge waiver, cardholders can earn accelerated rewards while shopping acorss partnered brands.

Top Fuel Credit Cards in India IndianOil Citibank Platinum Credit Card, RBL Titanium Delight Credit Card, ICICI Bank HPCL Coral American Express Credit Card, Standard Chartered Titanium Credit Card, IndusInd Platinum Aura Credit Card, IndianOil Citibank Titanium Credit Card, ICICI Bank HPCL Coral VISA/MasterCard Credit Card.

Top Fuel Credit Cards In 2019

Indian Oil Citibank Platinum Credit Card

Earn 4 turbo points on every spent of Rs.150 on fuel purchase across authorized Indian Oil petrol pumps in India.

Earn 2 turbo points on every spent of Rs.150 on other selected categories.

Get 2.5% fuel surcharge waiver.

Get annual fee of Rs.1000 waived off on spending Rs.30000 in a subsequent year.

RBL Titanium Delight Credit Card

Get 2000 reward points as welcome gift on 1st swipe within 30 days of card issuance.

Grab additional 1000 reward points on spending Rs.10000 within 60 days of card issuance.

Earn 1 reward point on every spent of Rs.100 on selected categories.

Enjoy exciting fuel surcharge waiver on fuel purchase between Rs.500 and Rs.4000.

ICICI Bank HPCL Coral American Express Credit Card

Earn 6 PAYBACK points on every spent of Rs.100 at any HPCL fuel station.

Save a minimum of 15% on dining bills across 2500+ participating restaurants under ICICI Bank Culinary Treat Programme.

Get flat Rs.100 off on movie ticket bookings via BookMyShow (offer is capped twice a month).

Get annual fee of Rs.199 waived off on spending Rs.50000 in a subsequent year.

Standard Chartered Titanium Credit Card

Get 2.5% fuel surcharge waiver on fuel transactions between Rs.400 to Rs.4000.

Get up to 5% cash back on telecom and utility bill payments.

Get annual fee of Rs.499 waived off on spending Rs.60000 or more in a subsequent year.

Earn 1 reward point on every spent of Rs.100 across selected categories.

IndusInd Platinum Aura Credit Card

Get 4 reward points on every spent of Rs.100 on selected categories.

Enjoy exciting fuel surcharge waiver on fuel purchases between Rs. 400 and Rs. 4000.

Get complimentary air accident personal cover of up to Rs.25 lakh.

Avail exciting offers and discount deals on hotel and flight ticket bookings.

Indian Oil Citibank Titanium Credit Card

Get 2.5% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4000.

Earn 4 turbo points on every spent of Rs.150 on fuel purchase across authorized Indian Oil petrol pumps in India.

Earn 2 turbo points on every spent of Rs.150 on other selected categories.

Avail flexible EMI options on transactions above Rs.2500.

ICICI Bank HPCL Coral VISA/MasterCard Credit Card

Earn 2 PAYBACK points on every spent of Rs.100 on retail purchases except fuel.

Save a minimum of 15% on dining bills across 800+ participating restaurants under ICICI Bank Culinary Treat Programme.

Get flat Rs.100 off on movie ticket bookings via BookMyShow (offer is capped twice a month).

Accumulate 2000 PAYBACK points and redeem against fuel purchase of Rs.500

Lifestyle Credit Card

Luxury is something that we all crave for, though priorities may vary in different categories. Be it dining at 5-star hotels, having branded wardrobe, or preferring modern interior decor, luxury actually matters a lot in a modern day society. Lifestyle credit cards come with a host of privileges to lead a luxurious life without leaving a hole in your pockets. Lifestyle cards are packed with a lot of rewards and cash back offers.

Benefits of Lifestyle Credit Card- Rewards: Who else doesn't love rewards? Everyone does and this is what this credit card is best known for. Cardholders can enjoy amazing deals and discounts across different categories. Dining And Grocery: Cardholders can enjoy additional privileges while shopping and dining at partnered brands. Travel: Apart from rewards and dining & grocery, lifestyle credit card also gives special privileges to the cardholders to manage their travel expenses.

Top Lifestyle Credit Cards in India IndusInd Bank Chelsea FC Card, HDFC Bank Diners Club Black Card, Axis Bank Privilege Credit Card, HDFC Solitare Credit Card, ICICI Bank Coral Credit Card, HDFC Platinum Times Credit Card, HSBC Platinum Credit Card.

Top Lifestyle Credit Cards In 2019

IndusInd Bank Chelsea FC Card

Get welcome gift for the worth equivalent to joining fees.

Earn 1 reward point on every spent of Rs.100 on normal days and earn 4X reward points on special occasions.

Get 2.5% fuel surcharge waiver on fuel transactions between Rs.400 and Rs.4000 at any petrol pump across India.

Enjoy premium lounge access at major domestic airports under priority pass program.

HDFC Bank Diners Club Black Card

Get 10000 bonus points as a gesture of welcome privilege on completing joining fee payment.

Earn 5 reward points on every spent of Rs.150 on retail purchases and 10x reward points on spending across selected partners.

Get annual fee waived off at milestone spending in a subsequent year.

Avail exciting offers and discount deals on flight ticket and hotel bookings with HDFC credit card.

Axis Bank Privilege Credit Card

Get 12500 eDGE points on completion of joining fees and making at least 3 transactions within 60 days of card issuance.

Enjoy complimentary airport lounge visits twice per calendar quarter.

Save up to 20% on dining bills at over 4000 partnered restaurants across India.

Avail fuel surcharge waiver for fuel transactions between Rs.400 and Rs.4000 (maximum benefit is capped to Rs.400 per statement cycle).

HDFC Solitaire Credit Card

Earn 3 reward points on every spent of Rs.150 on selected categories.

Get shopping voucher worth Rs.1000 on milestone spending of Rs.75000 within first 6 months of card issuance.

Do minimum 4 transactions every statement cycle and get complimentary personal accidental death insurance cover of upto Rs.50 Lakhs.

Earn 50% more reward points on retail and dining transactions.

ICICI Bank Coral Credit Card

Enjoy up to 2 fee movie tickets worth Rs.250 per statement cycle.

Save a minimum of 15% on dining bills at over 2500 participating restaurants across India under Culinary Treats programme.

Earn 2X reward points on every spent of Rs.100 at retail and dining transactions.

Avail exciting cash back and discount deals on hotel reservation and flight ticket bookings.

HDFC Platinum Times Credit Card

Earn 3 reward points on every spent of Rs.150 on weekdays and 10 reward points on weekend spendings.

Save on fuel expenses with HDFC’s fuel surcharge waiver feature.

Get up to 25% off on movie ticket bookings.

Enjoy 600+ discount deals on dining at participating restaurants across India.

HSBC Platinum Credit Card

No joining and annual fees.

Avail 10% cash back on transactions done within 90 days of card issuance (maximum benefit capped to Rs.2500).

Earn 2 reward points on every spent of Rs.150 on selected categories.

Avail movie voucher worth Rs.500 on milestone spending of Rs.50000 in a calendar month.

Credit card statement

Earlier keeping a track of your own spendings was a tedious task. But, now things are quite easy and convenient. All thanks to credit card statement that makes it easy to track the spending and get all the information you need to know about where your money is going.

Credit card statement is important and necessary tool in order to maintain CC account and keep it going at good pace. The statement also have a due date mentioned, which saves the cardholder from paying any late fees or additional charges.

In simple terms, a CC statement is a periodic report of all the debit and credit transaction made within a given period or billing cycle. Thus, it is important to keep a check on credit card statement regularly.

The credit card provider company sends the statement to the cardholder's email address and phone number at least 21 days before the due date. This gives enough time to ensure timely payment of outstanding bill and avoid late fee charges.

What includes in a credit card billing statement?

a. Outstanding amount for a current bill cycle. b. Balance from the previous billing cycle, if any c. Minimum due amount. d. Payment due date. e. Late fee charges. f. A summary of debit and credit transactions. g. Interest rate or interest charged, if any h. Rewards earned or redeemed.

How To Maintain Debt To Income Ratio For Credit Cards?

In this fast-moving lifestyle, credit cards have become an inseparable part of our financial planning. However, very few understand to keep a balance of their Debt-to-income (DTI) ratio. Many credit cardholders, who believe themselves as good money managers, might get surprised after knowing their DTI ratio.

Debt-income ratio is the amount your monthly bills divided by your net monthly income. The ratio allows you to determine the likelihood of timely credit repayments to avoid any penalty charges and negative markings on CIBIL score. This is also a crucial factor considered for determining the credibility of an individual.

While reviewing loan applications, lenders compute the ratio of an applicant to determine their loan repayment ability. 43% is said to be standard ratio to qualify for a home loan, though the percentage might vary from lender to lender. An individual is disqualified for a loan or credit, if not having good ratio.

Hence, even if they want tob buy a house in future or get a car financed, the ratio determines whether they are creditable or not. So, be very careful while making your credit card spending and keep tracking your debt-to-income ratio for secured financial future.

Secured and Unsecured Credit Card

In this age of inflation, it could be hard to manage the finances with the savings alone, and this is when credit cards come into frame as a great saviour. Since its inception, credit cards have been a great financial instrument that comes handy at times of emergency. So, if you too are looking for the best credit cards, this guide could possibly help you out.

To start with the basics, there are basically two types of primary cards – secured and unsecured credit cards. Based on what you’re looking for, you can choose the card. However, before picking the one, it’s significant to get an understanding on both the terms.

What is secured and unsecured credit card?

Whenever a credit card application is backed by cash deposits, it is called as secured credit cards. The cash deposits are usually equal to the card’s offered limit. Secured cards are generally suitable for those having bad credit history and damaged score or no credit history at all. In addition, in certain cases, the deposits are required only for a specific period of time, and based on your credit history, the card issuer may decide to offer you increased credit limit with more favourable terms and rewards.

On the other hand, unsecured credit card doesn’t come with any such terms and are offered without any cash deposits and security. You get a card based on your credit history and income class. Therefore, initially the credit limit on such cards could be low. This is because, issuers are on more risk while approving unsecured credit cards and generally starts with low credit limits.

Which is best – Secured or unsecured?

While security deposit is the only difference between both the cards, but have a great potential to affect your credit score or financial standing. For instance, if you’re working towards improving your credit standing, then it’s better to go for a secured credit card, instead of unsecured one. This is because, first of all secured credit cards are easy to get and secondly, they have comparatively higher credit limits. Having higher credit limits means lower credit utilization ratio. Notably, credit utilization ratio accounts for 30% in a credit score and thus, keeping it low ultimately boosts the score.

On the other hand, unsecured credit cards can be suitable if you have a good financial standing and income level. And if the cardholder continues to demonstrate good credit behaviour, the issuer may decide to increase the credit limit.

While both secured and unsecured credit cards have their own merits and demerits, it is essential to first evaluate your needs and what exactly you’re looking for. A little homework would help you pick the best suitable credit card.

Upgrading to a New Credit Card

Credit cards are said to be the handiest financial instrument one can have. Almost every earning individual owns a credit card today and no wonder why. Of course, getting a first credit card in hand is a big step towards financial management, keeping it upgraded is another key to make the most out of it. However, most cardholders are not aware of the benefits of upgrading to a new credit card and therefore, end up enjoying limited privileges only.

Upgrading a card can allow the cardholders to get better deals and offers on-the-go and possibly without a ding of a hard inquiry. Let’s check out the benefits of upgrading a credit card.

Increased credit limit – When you upgrade a card, you enjoy an increased credit limit, so that you can spend more without any financial burden over credit usage. However, it is suggested to upgrade only when the offer is pre-approved by the card issuer, or else a hard inquiry will be pulled if a user requests an upgrade.

Improved credit score – It may be noted that credit utilization ratio plays a major role in determining your credit score and if your utilization ratio goes beyond 50% on all existing cards, then your credit score takes a dig. Therefore, upgrading a credit card can be helpful as it triggers increased credit limit and ultimately, lowers credit utilization ratio. This way you can keep a check on your expenses, while keeping a balanced utilization ratio.

Better cash flow management – With increased credit limits on upgrading a card, you can enjoy improved cash flow management. However, make sure that your upgraded card has a different billing cycle than your other existing cards, if any. This will allow you to split your expenses, so that your monthly budget doesn’t get tossed up.

More rewards – Since, basic credit cards for beginners doesn’t come up with attractive reward programs and privileges, upgrading a card can improve the privileges on it such as, 2X reward points, exciting discount, and cash back offers. Not having good reward programs could mean that you’re leaving money on the table.

Convenient big ticket purchases – Well, with low credit limits, it would be hard to manage the finances well; but once the card is upgraded, you can plan your big ticket purchases conveniently. You don’t have to dig into the savings and shake the budget for some major purchases. Thus, this is one of the major benefits of upgrading to a new credit card.

So, if you’ve got a credit card, chances are it’s time to get an upgrade. But, before grabbing the opportunity, it’s best to get a little research to find the card that works best for you.

Credit Card Reward Points

Since the emergence of credit cards, these petty cards have only made our finances easier to manage. Going with the increasing demand and popularity, credit card companies decided to offer enticing reward points on every card purchase to boost user’s experience. And to no doubt, the idea has gone really well with the cardholders.

How it works?

Well, the concept of credit card reward points was introduced to enhance card experience of the users. As the market is flooded with various credit cards, designed to suit different lifestyle needs and preferences, banks are more focused on curating reward programs, based on what the cardholder is looking for. Cardholders can earn exciting rewards and cash backs using their credit card for bill payments, dining, travel, shopping and more.

In return, they can earn reward points for every transaction and rack up to redeem later for a variety of redemption options including gift vouchers, cash backs, discount coupons, air miles, etc. However, before you redeem the points, you need to accumulate certain number of reward points to redeem against the selected redemption offers.

Also, it is significant to choose the redemption option in accordance to your lifestyle needs. For instance, if you’re a shopaholic, you should redeem the points against shopping vouchers or brand discounts. Opting for a redemption option that is not suitable to your lifestyle needs is never going to be a smart move. So, as you have chosen your credit card wisely, likewise it is essential to select the redemption option as well.

How to earn credit card reward points?

Earning reward points is an automated process and the cardholder doesn’t have to make any extra efforts to earn these points. Usually, whenever the cardholder swipes the card or transact online, reward points are credited to their account. On the other hand, users can also enjoy extended rewards on joining and additional points on making milestone purchases within a specific time frame.

Generally, credit card companies offer 2 to 5 reward points for every purchase of Rs.100-300 and up to 10X reward points on select transactions or network purchases. Fetch more points on big ticket purchases at selected categories such as jewelry purchase, travel bookings, etc. So, the more you shop, the more you earn credit card reward points and vice versa.

Types of CC reward points:

• Welcome reward points on joining fee payments
• Accelerated reward points on shopping at partner stores and brands
• Exciting reward points on every spent of Rs.100 to Rs.300
• Milestone points on consuming specific credit limit within a given time frame
• Extended rewards on international purchases
• Loyalty points on credit card renewal.

Credit Card Balance Transfer

Credit cards have been a handy tool for financial management since long. However, there are times when it certainly becomes a huge burden and that’s due to their irresponsible management. One of the most common mistakes cardholders make is pilling credit card bills. Though, it may sound a ‘saver’ initially, but ultimately it’s a debt trap. Piling up credit card bills can leave you in a huge financial burden, while penalties and interest rates would only add up to total outstanding. Therefore, to come out of such situations, some suggests to opt for a personal loan, while others advice to go for credit card balance transfer. Although, both the methods can help you lessen the debt burden, paying higher personal loan interest rates could make you stuck in the debt spiral. On the other hand, credit card balance transfer could save you from paying higher interest and penalties.

However, before jumping at the opportunity, let’s have a glimpse of balance transfer tips.

Know the current balance – Before you go for the balance transfer, get an insight into your current credit standing. Review the available credit card limits and their annual percentage rate (APR). This is significant so that you can plan your finances accordingly. Typically, you’ll need a card that has enough credit limit available for a balance transfer.

Evaluate the fees and charges – Generally, the credit card companies levy certain fees and charges on balance transfer. Credit card balance transfer fees are often between 2-5% of the transferred amount, subject to minimum fees of Rs.500. So, while planning to balance transfer, take the applicable fees and charges into consideration to get a clearer picture.

Read the fine prints – Before you seal the deal, go through the fine prints thoroughly to understand the terms and conditions on the credit card balance transfer. Different credit card companies could have different terms and conditions on balance, so it would be best to remain prepared in advance, in order to avoid any future conflicts or confusion.

Maintain a healthy credit score – Even though you have transferred the outstanding debt to another credit card, it is significant to maintain a healthy credit score. Balance transfer could possibly hit the credit score due to fluctuations in credit utilization ratio, though the score would be only affected by 5 to 10 points. Therefore, until the outstanding balance is paid in full, try keeping your hands tight on unnecessary expenses.

Final words:

Credit card balance transfer can definitely give you a fresh start with lower APR (annual percentage rate), but is can act as double-edged sword if not handled carefully. Hence, it is advised to make the step wisely to ensure paying off debt, and not getting into more of it.