Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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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.

    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 Bank Diners Club Black Card

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    • Avail a gift voucher worth upto Rs.2000 from Amazon on applying for a credit card
    • Voucher will be provided upon approval of the credit card application
    • Offer will be valid from March 1, 2019 to March 31, 2019

    SBI Simply Save Credit Card

    Cards
    Key Benefits
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    • 2,000 bonus points on spending 2,000 in first 60 days
    • 10 points/100 spent on dining, movies, grocery and department stores.
    • 1 point/100 spent on all other categories
    • 1st Year Fee - Rs 499
    • 2nd Year Onwards - Rs 499. Waived on annual spends > 90,000
    • 1% fuel-surcharge waiver (max. 100/month)

    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.

    SBI SimplyCLICK Credit Card

    Cards
    Key Benefits
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    • 10 points/ 100 spent online with exclusive partners
    • 5 points/ 100 on other online spends
    • 1 point/ 100 spent on others
    • Gift voucher worth 2,000 each on annual online spends of 1 lakh and 2 lakhs
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    • 1st Year Fee - Rs 499
    • 2nd Year Onwards - Rs 499. Waived on annual spends > 1 Lakh
    • 1% fuel-surcharge waiver (max. 100/month) for transactions between 500 and 3,000

    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.

    HSBC Visa Platinum Credit Card

    Cards
    Key Benefits
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    • 6 points/ 150 spent
    • 10 points/ 150 spent
    • 2 points/ 150 spent on others
    • Joining Perks: 10% cash back & 2,000 Cleartrip vouchers
    • 1st Year - 0. Lifetime free
    • 2nd Year Onwards - 0
    • APR - 39.6% per annum
    • Dining - Up to 15% discount at 700+ restaurants across major cities

    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.

    Axis Bank Platinum Credit Card

    Cards
    Key Benefits
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    • The Axis Bank Platinum Credit Card comes with an exciting eDGE Loyalty Rewards program.
    • You can earn 6 reward points on every domestic spend of Rs. 200 made through your credit card.
    • You can earn 12 reward points on every international spend of Rs. 200 made through your credit card.
    • Earn 100 reward points on the first transaction you make online.
    • A joining fee of Rs. 500 will be applicable
    • A standard annual fee of Rs. 200 will be applicable from the second year onwards
    • Avail of a 1% waiver on fuel surcharge
    Additional Benefits of Axis Bank Platinum Credit Card :
    • 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.

    HDFC Bank Diners Club Black Card

    Cards
    Key Benefits
    Details
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    • 10,000 points on paying joining fee
    • 5 points/150 spent on retail
    • 10X points/150 spent at select retail partners
    • 1st Year - 10,000. Waived on spending 1 Lac within 90 days.
    • 2nd Year Onwards -5,000. Waived on annual spends > 5 lakhs
    • APR - 23.9%
    • Up to 50 days of interest-free credit & charges on revolving credit at 1.99% +GST 5,000 reward points on renewal
    • 1% fuel surcharge waiver, maximum up to 1,000

    Some Of the Other Benefits & Featues of HDFC Bank Diners Club Black Card

    • Low foreign currency markup of 2% + GST on all your foreign currency spends
    • Unlimited domestic and international lounge visits in a year across 700+ lounges across the world
    • Up to 15% discount at premium restaurants across India
    • Exclusive golf programme & complimentary golf games at leading golf courses in India and select golf courses across the world
    • Up to 50 days of interest-free credit & charges on revolving credit at 1.99% +GST
    • 5,000 reward points on renewal
    • 1% fuel surcharge waiver, maximum up to 1,000
    • Air accidental death coverage of 2 Crores
    • Emergency medical expenses cover of 50 lakhs

    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.

    Top 5 Credit Cards For Salaried Individuals Reviews

    • HDFC Bank Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the customer services are good. They also provide me with good offers and a very good credit limit. It is a smooth process while using the card, I never faced any hassles in the overall process till date.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Citibank has been overall good in the customer services. The online banking is good and the credit card offers are also good. The statements are also good and the billing is also in a timely manner. The credit limit is also fine and there are no charges taken for the card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I have been using ICICI Platinum card for more than 1.5 years. The credit limit is low which they need to increase. IVR takes longer time for the connectivity also they need to improve the service. There is no annual charge for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good card for the withdrawal"
      0.5 5.0/5 "Blown Away!"
      From RBL I have et money card it gives the flexibility of taking the cash without any interest. I can withdraw the maximum of 100%, the credit limit is also satisfactory with RBL card. One month back I got the card, the due date is convenient for me.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Recommendable Card"
      0.5 5.0/5 "Blown Away!"
      I get 10x points from HDFC card based on the spends, In fact the cash back is also excellent. The customer support is good for the credit card queries, but there is a long queue to connect with the executive. They don't have direct contact no, first I need to verify my details in IVR, then again the executive verify it, therefore the process should be simple.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Good card for all transaction"
      0.5 5.0/5 "Blown Away!"
      I have reward points from CITI bank, I get more bonus points on the transactions, they give cash back offers for some transaction, I don't what to call them everything is prefect, the interest is also reasonable, I am using life time free credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bharath credit card and using it for past 1.5years. The service is excellent and they are not charging high for the late payments. The credit limit is average and they need to enhance the limit. It is a life time free credit card. There was no much offers.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • Bank Bazaar Credit Card
      "Simple method for getting credit card "
      0.5 5.0/5 "Blown Away!"
      Through Bank bazaar it is a simple process of getting the credit card in quick time .It hardly took 1 week of time in Online method . I came to know bank bazaar through SMS . Customer executive guided about the various credit card in online . Mobile app is also user-friendly .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Axis Bank has offered NEO credit card and am using it for past 6 months. The credit limit is sufficient for the beginner, its 40K. The rate of interest is too high for late payment charges which they need to reduce. It is a life time free credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Online shopping and EMI is major advantage"
      0.5 5.0/5 "Blown Away!"
      I recently applied for the Indusind bank credit card in the on-line method . Within 10 days of time ,I got a good response till the time of dispatchement of my card . No annual fees for this card . The main plus point with Indusind bank credit card is the on-line shopping .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Kotak Credit Card
      "Good Card with Kotak"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra card for around two years, I have salary account hence everything is fine for me. The credit limit is not good because they gave only Rs.22,000, they need to enhance the card limit. I have master card and the accessibility is great.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Average Credit card"
      0.5 5.0/5 "Blown Away!"
      Almost it is going to be 3 months since I started to use this RBL credit card . Normally I will do most of the shopping Off-line .Offers are on-line and it is up to the expectation . RBL mobile app is very easy for making the payment and downloading the statement .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Credit limit is not sufficient "
      0.5 5.0/5 "Blown Away!"
      For the past 6 months, I am using the AXIS bank credit card . My credit limit is around 25 k only . But this credit limit is very insufficient to use .I am not getting any notification about the various offers in on-line . Annual fees is around 499 - .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the AXIS BANK the card is user friendly to use. The credit limit with this card is satisfactory added on that the offers with this card is good. I am using it from last few years with this card. There is a EMI conversion option but there is no balance transfer option with this card.
      Was this review helpful? 0
      , bhopal
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I am not satisfied with the credit card that i am using it with the ICICI BANK because the credit limit with this bank card is not satisfactory also there are no offers available with this credit card. There is a EMI conversion option with this credit card which is good also it is easy to convert.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I have a credit card with the HDFC BANK the credit limit with this bank they have offered is average and i am not getting any offers with this bank. There is a EMI conversion option with this bank it is good and easy to convert with this bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten months since i am using this credit card and the services which they had provided me has been pretty good. But the credit limit with the card has been less and there has not been any annual charges with this card. I had been using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      HDFC has given me a Money Back credit card and using it for past three years. I am happy with the credit limit. There was no annual charges and am paying monthly due. The charges are reasonable for EMI conversion. I got reward points but my sister use to redeem so have no idea.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am just using this credit card for the last one week and the services which they had provided so far has been pretty good. They had given me with a good credit limit and it does not have any sort of annual charges. I am using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good for all transaction"
      0.5 4.0/5 "Great!"
      I am holding RBL bajaj credit card, features are like the monthly benefits which they give like surcharges on the products, extra points on the shopping with the air lounges. The limit is very satisfied with RBL credit card, I am happy with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 22, 2019
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