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  • Top 5 Credit Cards For Salaried Individuals

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  • 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

    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

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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.

      

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    Top 5 Credit Cards For Salaried Individuals Reviews

    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI bank credit card which was offered through Bank .I am using this credit card for the past 6 months and the credit limit was really good and it was sufficient as well .This was a free card and there are good reward points as well as cash back offers .I have got the credit card on time without any delay .
      Was this review helpful? 1
      , warangal
      Reviewed on Sep 21, 2019
    • RBL Bank
      RBL Bank Credit Card
      "Need to decrease charges"
      0.5 5.0/5 "Blown Away!"
      I am using RATNAKAR bank Bajaj credit card for more than a year which was applied through an other channel. It is an annual fee chargeable of 1000 rupees. The credit limit is given for 45 thousands which was sufficient. There is an EMI option but charges are high 23%. I use this card for shopping and get reward points.
      Was this review helpful? 1
      , nellore
      Reviewed on Sep 21, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was applied through Bank directly .The credit limit was really good and it was sufficient as well and got all the details about the card process very clearly through the agent.This was a free card and got the card on time .Customer service is also good and getting good response if contact for any query .
      Was this review helpful? 0
      , surat
      Reviewed on Sep 21, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was applied through Bank directly and got it .I am satisfied with the credit limit and got all the details about the card process very clearly through the agent.This was a chargeable card and got the card on time .Customer service is also good and getting good response .
      Was this review helpful? 0
      , surat
      Reviewed on Sep 21, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Bank credit card which i am using for more than 2 years .I have taken this credit card through bank directly.This was a free card and got the details about the card process through the agent.I have got very good credit limit and this card is good to use .I am very much comfortable with the service so far .
      Was this review helpful? 1
      , surat
      Reviewed on Sep 21, 2019
    • Axis Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using Axis Bank credit card which i am using for more than 2 years .I have taken this credit card through bank directly.This was a free card and got the details about the card process through the agent.I have got good credit limit and this card is good to use .I am satisfied with the service so far .
      Was this review helpful? 0
      , surat
      Reviewed on Sep 21, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with Bankbazaar's service. Bankbazaar is helping me a lot to get credit card. I had come to know about Bankbazaar from Google. I have downloaded their mobile application. I am receiving update credit score and I can check loans and credit card offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2019
    • HDFC Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I applied for HDFC BANK MONEYBACK CREDIT CARD. I submitted my documents online. They have closed my application as my credit score is very low. I tried 2-3 times for credit card. My salary account is with HDFC Bank still they are rejecting my application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I have State Bank Of India credit card which was taken through Bank directly.I am using this credit card for the past 2 years ,This was a life time free card and satisfied with the credit limit as well.There are reward points but no cash back offers .The service was really good and i am very much comfortable to use this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2019
    • HDFC Bank Credit Card
      "Better Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank directly.I am using this credit card for the past 4 years ,This was a free card and i have got a very good credit limit it was upto 1lakh .There are good cash back offers and reward points .I am using this card for mostly for online purchase and i am getting good offers as well.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 21, 2019
    • Axis Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Axis Bank credit card which was taken through Bank directly .I am using this credit card for the past 1 year .The credit limit was really good it was upto 40,000 and it was very much comfortable as well.This was a chargeable card and having good reward points as well as cash back offers.
      Was this review helpful? 0
      , dhuri
      Reviewed on Sep 20, 2019
    • Bank Bazaar Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have been using Bankbazaar's mobile application for a long time. I am using it to my account details, loans and credit card offers. I am really satisfied with their services. I have come to know about Bankbazaar from a promotional message.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Sep 20, 2019
    • HDFC Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was offered through Bank .I am using this credit card for the past 1.5 years.The credit limit was good and it was acceptable as well. There are really good reward points as well as cash back offers ,This was a free card and it is very easy to use and it was smooth as well .
      Was this review helpful? 0
      , madurai
      Reviewed on Sep 20, 2019
    • HDFC Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I had applied a MONEYBACK CARD from HDFC Bank. I had arranged the documents to submit. I called them many times but their number was not reachable. I just spoke to them one on the phone once. One of their executives told me that they don't give loan to security guard.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Sep 20, 2019
    • Bank Bazaar Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I have been using Bankbazaar's service for the last 2-3 years. I have downloaded their mobile application to check credit card offer and loans. It's very useful. I had come to know about Bankbazaar when I received a promotional message to check credit score.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 20, 2019
    • HDFC Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I had applied HDFC BANK MONEYBACK credit card. Their executive called and informed me that my application has been closed because my employer is not private limited. I submitted my documents online. Their customer service was good, they gave me proper information.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 20, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.5/5 "Excellent!"
      Last two years I am using SBI simply save card, its easy to access any where either in all the swiping machine. It has yearly fee around Rs.2500, they have airport lounge, travel discounts, they do have cash back at amazon, flipkart and other sites.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 20, 2019
    • HDFC Bank Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank.I am using this credit card for the past 1 year .This was a free card and the agent gave all the information about the card process.I have got the credit card on time and the credit limit was good .I have not submitted any documents since it was a paperless approval .
      Was this review helpful? 0
      , jaipur
      Reviewed on Sep 20, 2019
    • Axis Bank Credit Card
      "Benefits should be improved"
      0.5 2.0/5 "Expected more"
      My master privilege card has yearly fee of Rs.1500, Its a basic card for regular usage. Some time I get fuel surcharges around 2% but its not so beneficial , I am getting reward points based on my spend. For 100 rupees I get 4 points is equal to one rupee.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Sep 20, 2019
    • Axis Bank Credit Card
      "Good for cash back"
      0.5 5.0/5 "Blown Away!"
      AXIS bank upgraded my credit card feature in my seven years of experience, earlier I had my zone card now I got classic signature card it has yearly fee of Rs. 5000, they give same value of Rs.5000 cash back for shopping purpose like big bazaar and they do have airport lounges, air miles.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Sep 20, 2019
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