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  • NRI Credit Cards

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  • Bankbazaar NRI Credit Cards
    We found 9 NRI Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Reduced to 0 If new current/savings account opened 2500
    100% PAPERLESS APPROVAL
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    500
    100% PAPERLESS APPROVAL
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    Fee Details
    1000
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 If new current/savings account opened 1000
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
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    500
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 If new current/savings account opened 10000
    100% PAPERLESS APPROVAL
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    Documents
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    Fee Details
    Reduced to 0 If new current/savings account opened 1000
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 If spends > 1 lakh In 90 days 5000
    100% PAPERLESS APPROVAL
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    Various banks in India are providing credit cards to Non-Resident Indians (NRIs) keeping in mind their financial needs. NRI Credit Cards allows individuals to easily make payments when they are abroad or in India. Such credit cards are provided to Indians who have settled abroad.

    NRI Credit Cards are very similar to regular credit cards in the way they operate. NRIs can use such credit cards to make travel bookings, purchases, online payments, bill payments, etc. Individuals who own NRI Credit Cards do not have to go through the hassles of currency conversion and can make their payments in rupees.

    Features of NRI Credit Cards

    The main features of an NRI Credit Card are mentioned below:
    • Reward Points: Certain NRI Credit Cards provide double the rewards points for any transactions made abroad. Reward points are provided for transactions made in India as well. However, depending on the bank, a minimum amount of money will need to be spent to earn reward points.
    • NRIs will be allowed to spend on travel, luxury, as well as buy items when they are in India or abroad. The payments for these transactions can also be completed in Indian rupee just like a normal credit card.
    • NRI Credit Cards cannot be used to buy racing tickets, sweepstakes ticket purchases, lottery ticket purchases, etc. The rules of the credit card will be provided by the bank at the time of issuance of the card.
    • Individuals must also have an NRE/NRO account in order to be eligible to opt for the NRI Credit Card. Few banks will also need a minimum balance to be maintained in the account to opt for an NRI Credit Card.
    • Charges and fees: NRI Credit Cards come with basic charges and fees such as a tax fee, withdrawal fees, annual fee, joining fee, etc. Depending on the bank, the fee may vary.
    • Rate of interest: Since credit cards are more like loans that are offered by banks, interest will be charged for any transactions that are made. Depending on the bank, the interest that is being levied will vary. The interest charges are calculated from the date the withdrawal has been made.

    Eligibility Criteria To Opt For An NRI Credit Card

    The eligibility criteria to opt for an NRI Credit Card are mentioned below:

    • NRIs must have a Non-Resident Ordinary (NRO) or Non-Resident External Rupee (NRE) account. This is the most important eligibility criteria that are requested by most banks. The credit limit of the credit card depends on the balance that is available in the account.
    • Certain banks may require a minimum amount of money invested in Fixed Deposits (FDs).
    • Few banks require a minimum balance to be maintained in the account. This is mainly done to determine whether the individual can repay the money.

    Documents Required for NRI Credit Card

    The process to apply for an NRI Credit Card is simple. Individuals can apply for the card on the bank's official website or by visiting the bank. The documents that must be submitted to apply for an NRI Credit Card are mentioned below:

    • Photocopy of the passport
    • Any official document with a signature present on it must be submitted.
    • A self-cheque from a bank that is located abroad.
    • The application form which contains details such as the income, bank account, office address, residential address must be filled and submitted.
    • In case the individual cannot visit the bank, he/she must upload the documents online.

    Important points to consider when choosing an NRI Credit Card

    Some of the important points that must be considered when choosing an NRI Credit Card are mentioned below:

    • Joining fees
    • Rate of interest
    • Whether the card is accepted in different countries
    • If card protection is provided in case of loss of card
    • In case protection is provided against fraud in case the card is stolen or lost
    • The charges that are levied in case of late payments
    • The various types of payment options that are available. Payment options can be in the form of IMPS/NEFT/Cheque/Cash.
    • If 24/7 Customer Service is provided
    • Annual fees
    • Processing fees
    • If cash can be withdrawn at different banks
    • The custom duty that is charged in case the card is used in a different country
    • If the process to make payments is easy in case it is made from another bank
    • Cancellation charges that will be levied

    Banks that offer NRI Credit Card

    The list of banks that offer NRI Credit Cards are mentioned below:

    • HDFC Bank
    • Kotak Mahindra Bank
    • Yes Bank
    • Axis Bank
    • ICICI Bank
    • State Bank of India
      

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    NRI Credit Cards Reviews

    • Standard Chartered Bank Credit Card
      "Great to use"
      0.5 5.0/5 "Blown Away!"
      The credit card services are good and am getting lots of option from Standard Chartered Bank credit card. The customer service is great and very professional too. They do have an annual fee of $30 because am a NRI. The credit limit is satisfactory.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 29, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I have surrender my HDFC credit card. The reason for closing this card is that it was NRI account ,and then i use for domestic purpose they said as per RBI rules need to block the card, and reapply it again , so i have not applied again for this card,it was hdfc Regalia card, they have given me good credit limit up to 3,50,000, and their offers were okay.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 31, 2019
    • Citibank Credit Card
      "Citibank High Standard Bank for all the Products. "
      0.5 5.0/5 "Blown Away!"
      Excellent bank with all high standards and good features for all the products like savings bank, fixed account, current accounts, loan procedures, demat account, NRI accounts , credits card what ever may be product. Very easily online maintenance, systems and procedures to follow online is also safe and very user friendly. simple steps and easy to understand and follow. lame person can also understand and follow easily online. Overall excellent bank with all best features... incomparable to any bank in the world.
      Was this review helpful? 1
      ,
      Reviewed on Jun 03, 2014
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