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    Top 5 Credit Cards For Salaried Individuals

    Credit cards, those ubiquitous pieces of plastic, have slowly taken over most other forms of payment in today’s digital world. With the use of plastic money rising, more and more salaried professionals are moving to a credit-driven economy. Using a credit card is no longer the privilege of the wealthy, thanks to a range of credit cards tailor-made for the working individual. Applying for a credit card has also become easier, with banks and financial institutions offering working professionals different payment options.

    The perks and benefits associated with a credit card are some of the main reasons individuals choose a credit card. As people are made aware of the different types of credit cards, they are better able to pick a card that offers them the maximum benefits without being a drain on their finances. While there are new entrants in the credit card market each day,

    Given Below are Some of the Top Credit cards for salaried individuals:

    1. SBI Simply Save Credit Card
    2. SBI SimplyCLICK Credit Card
    3. HSBC Visa Platinum Credit Card
    4. Axis Bank Platinum Credit Card
    5. HDFC Diners Club Premium Credit Card

    SBI Simply Save Credit Card

    State Bank of India (SBI) launched the SBI Simply Save credit card that comes with a host of rewards for the cardholder. The credit card offers up to 10x rewards on daily spends, making it an ideal card for those looking to accumulate rewards points. The card also rewards cardholders with 2,000 reward points on spends of Rs.2,000 in the first two months of card issue, which is an added bonus.

    The SBI Simply Save credit card offers the salaried individual the following features and benefits:

    • Easy access to money, wherever you are.
    • No additional charges for bill payment and the EasyBill facility which can be used to track and pay utility bills.
    • Avoid carrying forward credit and save on high interest rates by converting your outstanding bills to flexible EMI payments. This can be done at the time of paying the bill or through the SBI netbanking portal.
    • Use rewards points to reward yourself from the exciting gifts in the rewards catalogue. Alternatively you can convert the points to cash and use it to pay off your outstanding balance.
    • Enable easy tracking of your card spends and outstanding amount through SMS alerts each time you use your card. This can also be tracked through email and mini statements alerts each time you swipe your card.
    • Earn 1 reward point for every Rs.100 spent on purchases made using your SBI Simply Save credit card.

    Additional Benefits of SBI Simply Save Credit Card:

    What makes this credit card stand out from the rest are the features listed below:

    • Avail a fuel surcharge of 2.5% on fuel spends of Rs.500 and above each time you pay using your credit card. The maximum amount you can receive as cashback is Rs.100 per transaction.
    • Increase your rewards points and take care of your loved ones’ financial needs by applying for an add-on card. You can apply for add-on cards for siblings, parents as well as a spouse as long as the minimum age criteria and other eligibility criteria (18 years of age) are fulfilled.
    • Receive a waiver on the annual fee payable if you spend above Rs.90,000 in a given year.
    • Earn 10 reward points for every Rs.100 spent on dining, movies, grocery and department store spends each time you use your SBI Simply Click credit card.

    SBI Simply Save Credit Card Eligibility

    The SBI Simply Save credit card has the following eligibility criteria:

    • The applicant should be between the ages of 21 to 70 years in the case of salaried individuals.
    • The applicant should provide proof of identity and address at the time of applying for the credit card.

    SBI SimplyCLICK Credit Card

    Another offering from SBI, the SimplyCLICK credit card comes loaded with features and benefits targeted at the salaried individual. As online shopping and spending is on the rise, cardholders can capitalise on this trend by availing 5x more rewards each time you use the card to shop online.

    Cardholders are also rewarded for higher spends on their cards in the form of gift vouchers and fee waivers. A more detailed list of the benefits and features available with the card are listed below:

    • Cardholders receive a joining gift of Rs.500 voucher from Amazon.
    • Earn up to 5x rewards on all online shopping spends made on the credit card.
    • Receive 10x the rewards points for spends made with SBI’s partners- BookMyShow, Amazon, Lenskart, OLA, ZoomCar.
    • Spending on your card will also earn additional gifts in the form of e-vouchers. Spends of Rs.1 lakh will earn you a Rs.2,000 e-voucher.
    • The annual fee of Rs.499 will be waived if cardholders spend above Rs.1 lakh a year on their SBI SimplyCLICK credit card.

    Additional Benefits of SBI SimplyCLICK Credit Card:

    What makes this credit card stand out from the rest are the features listed below:

    • Fuel surcharge waiver of 1% is applicable on all fuel spends across all petrol pumps.
    • Choose to pay off large purchases in instalments through the FlexiPay option, which allows you to make payments in easy EMI’s without accruing high interest charges on your outstanding amount.
    • Keep track of your spending through instant SMS and email alerts each time you use your card. You can also track your spends online or call up a mini statement.

    SBI SimplyCLICK Credit Card Eligibility

    The SBI SimplyCLICK credit card has the following eligibility criteria:

    • The applicant should be between the ages of 21 to 70 years in the case of salaried individuals.
    • The applicant should provide proof of identity and address at the time of applying for the credit card.

    HSBC Visa Platinum Credit Card

    One of the premier credit cards offered by HSBC, the HSBC Visa Platinum credit card provides the salaried individual with the opportunity to enhance his lifestyle with a plethora of offers and benefits across the board.

    Some of the many features and benefits of the HSBC Visa Platinum credit card are as follows:

    • No joining and annual fees.
    • Earn 2 reward points for every Rs.150 spent on the credit card, which can be redeemed in the form of cashback, AirMiles or gifts from the rewards catalogue.
    • Convert rewards points into either Jet Airways or Singapore Airlines air miles.
    • Earn 3x rewards on spends on dining, hotels and telecom categories for 12 months from the date of issue of the credit card.
    • Receive up to 15% discount on spends at select restaurants and airport lounges across the country.
    • Receive 5x rewards points when you spend over Rs.4 lakh a year, up to a maximum of Rs.10 lakh a year.
    • Earn cashback each time you fly, with Rs.7,500 cashback when you book on MakeMyTrip using your HSBC Visa Platinum credit card.
    • Receive a cashback of 10% on all spends made using the card within the first 90 days of the card being issued.

    Additional Benefits of HSBC Visa Platinum Credit Card:

    What makes this credit card stand out from the rest are the features listed below:

    • Receive a fuel surcharge waiver upto Rs.250 each month on fuel spends between Rs.400-Rs.4,000 when you use your HSBC Visa Platinum credit card.
    • Avail discounts on dining courtesy HSBC’s Dining Privileges, through which you can earn up to 20% off on dining when you pay with your credit card.
    • Get access to the Visa Concierge Service wherever and whenever you require assistance.
    • Convert your outstanding balance into EMI’s which can be payable over 6 months to 1 year. A fee of 2% of the outstanding amount will be levied.
    • Transfer your balance from your other credit cards to the HSBC Visa Platinum credit card and choose the repayment term (either 6, 12,18 or 24 months). A fixed interest rate and applicable charges will be levied on the balance transfer amount.

    HSBC Visa Platinum Credit Card Eligibility

    The HSBC Visa Platinum credit card has the following eligibility criteria:

    • The applicant should provide proof of identity and address at the time of applying for the credit card.
    • The applicant should meet other criteria as specified by the bank from time to time.

    Axis Bank Platinum Credit Card

    Reap the rewards with your Axis Bank Platinum credit card, thanks to a whole host of offers and perks. With a low annual fee and some of the best-in-class services and loyalty programs, the Axis Bank Platinum credit card is the perfect choice for those looking to earn through their spending.

    The features and benefits this card offers are listed below:

    • Earn Loyalty Edge points for spends made on your Axis Bank Platinum credit card. Earn 6 reward points for every Rs.200 spent on the card.
    • Double the reward points you earn when you shop internationally and earn 12 reward points for all purchases made abroad.
    • Enjoy 2x times the reward points for all spends made during your birthday month.
    • Earn cashback of 25% on all movie tickets booked using the Axis Bank Platinum credit card, every day of the week.
    • Joining fee of Rs.500 is waived if you spend Rs.5,000 within 45 days of the card being issued.
    • Waive off the annual fee of Rs.200 by spending Rs.1 lakh in the previous calendar year.

    Additional Benefits of Axis Bank Platinum Credit Card :

    What makes this credit card stand out from the rest are the features listed below:

    • Avail a fuel surcharge waiver of 2.5% of the amount spent (between Rs.400 and Rs.4,000) each time you pay using your credit card at petrol pumps across the country.
    • Enjoy zero liability in case of your credit card being lost or stolen.
    • Earn 100 reward points when an add-on card is issued to you.
    • Avail a supplementary credit card for your spouse, parents, siblings or children and reap the benefits and features each time they spend.

    Axis Bank Platinum Credit Card Eligibility

    The Axis Bank Platinum credit card has the following eligibility criteria:

    • The applicant should be a resident of India or a Non-Resident Indian (NRI).
    • The applicant should be above the age of 18 years (also applicable in case of supplementary cardholders).
    • The applicant should provide proof of address and identity and meet other criteria as specified by the bank from time to time.

    HDFC Diners Club Premium Credit Card

    HDFC Bank in association with Diners Club offers cardholders the opportunity to travel, dine and life in style with the HDFC Bank Diners Club Premium credit card. This feature-rich credit card offers the cardholder a range of benefits and perks, such as:

    • A welcome gift of 2,500 reward points, redeemable in the form of cashback or through the rewards catalogue.
    • 2,500 additional rewards points at the time of card renewal.
    • Complimentary access to airport lounges across the country and world. (Subject to terms and conditions).
    • 4 rewards points for every Rs.150 charged for retail spends.
    • 8 reward points for every Rs.150 spent on the HDFC Diners Club website, where cardholders can avail a range of services and offers.
    • Concierge services to assist you with reservations and any other card-related service.

    Additional Benefits of HDFC Diners Club Premium Credit Card:

    What makes this credit card stand out from the rest are the features listed below:

    • Fuel surcharge waiver on fuel spends made using the HDFC Bank Diners Club Platinum credit card.
    • Complimentary access to premier golf courses across the country as well as complimentary golf lessons. The card also covers green fees and instructor charges.
    • Insurance cover of Rs.1 crore in case of an air accident, in addition to medical emergency cover (up to Rs. 25 lakh) and credit liability cover (up to Rs.9 lakh).

    HDFC Bank Diners Club Platinum Credit Card Eligibility

    The HDFC Bank Diners Club Platinum credit card has the following eligibility criteria:

    • The applicant should be a resident of India or a Non-Resident Indian (NRI).
    • The applicant should be above the age of 18 years (also applicable in case of supplementary cardholders).
    • The applicant should provide proof of address and identity and meet other criteria as specified by the bank from time to time.

    The above credit cards offer the salaried individual a range of benefits and perks across varied categories. While some cards are more suited to the globe-trotter in the form of cashback and discounts on international spends, others are more lifestyle cards that offer dining rewards or golf lessons. Salaried individuals are spoilt for choice when it comes to credit cards, with the ones listed above offering attractive interest rates and minimal fees for the range of services and perks they offer.

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