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

    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
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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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