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

    Card
    1st Year Fee
    Rewards
    Joining Perks
    499
    Response Time Within 30 minutes
    Paperless approval option available
    0
    Response Time Within 30 minutes
    3000
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
    Instant Decision
    0
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    0
    Response Time Within 30 minutes
    9999
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    499
    Response Time Within 30 minutes
    Paperless approval option available
    Close

    Compare, check your eligibility and apply for credit cards online.

    NRI Credit Cards Reviews

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    Overview:

    Non-residential Indians are allowed to hold special NRI credit cards to take care of their expenses in India and abroad. Banks offer these cards to meet the needs of Indian citizens who are abroad but need to stay connected within the country as well. The NRI credit cards function slightly differently from regular credit cards. Cardholders can use it to shop, travel and dine and more. These cards reduce the hassle of currency conversion as it allows you to pay your bills in Rupees.

    Features and Benefits:

    • Benefits of a regular credit card:
    • You can stay abroad and still enjoy the benefits of holding a credit card. Shop, dine and travel, buy on EMI, and more with an NRI credit card.

    • Revolving Credit:
    • NRI credit cards also come with revolving credit facility. Enjoy interest-free periods and the option to carry forward a balance. The balance will be charged interest.

    • Interest:
    • Interest rates vary from bank to bank. Some banks may offer relatively lower interest rates. Kotak Mahindra charges 3.1% per month. However, interest charges can be higher compared to regular credit cards. Find out the bank’s interest rate before applying for a credit card.

    • Access to ATMs:
    • NRI credit cards are usually issued under VISA or Mastercard, which gives cardholders access to thousands of ATMs in India and abroad.

    • Pay in Rupees:
    • You can make purchases in any currency and pay your bills in Rupees. This reduces the hassle of currency conversion.

    • Easy Payment Options:
    • You can make payments towards your credit card through your NRE, NRO or FCNR account. You can make inward remittances to your bank account and then make payments on your credit card.

    • Restricted Purposes:
    • Credit cards can be used to purchase just about anything. Banks impose restrictions at their own discretion against purchasing lottery or sweepstake tickets, betting on races and so on.

    • Add on cards:
    • Banks allow supplementary cards for your family members so that they too can enjoy the benefits of an NRI credit card.

    NRI Credit Cards Fees:

    NRI credit cards will usually carry any of the following fees.

    • Joining fees
    • Annual Fees/Renewal Fees
    • Interest Charges
    • Cash withdrawal charges
    • Service tax

    NRI Credit Card Eligibility:

    NRI credit cards are available to those who fit the following criteria.

    • Indian citizens who have been abroad for more than 183 days are considered NRIs.
    • If you have migrated or are temporarily residing abroad, you are eligible to apply.
    • You should be above the age of 18 years.
    • Add on cardholders should have attained the age of 18.

    NRI Documentation Required:

    To complete your NRI credit card application, you need to submit the following documents:

    • Identity Proof (Any of the following):
      • Passport
      • Driving Licence
      • PAN card (Permanent Account Number)
      • Voter’s ID
      • Aadhar Card
      • Job card issued by NREGA, duly signed by an officer of the State Government

    • Address Proof (Any of the following):
      • Self-declaration of address with positive confirmation in the form of Acknowledgment (proof of delivery) of receipt of letter, ATM card, cheque book at the address, or telephone calls, or visits, et cetera.
      • Passport
      • Driving Licence
      • PAN card (Permanent Account Number)
      • Voter’s ID
      • Aadhar Card

    • Income Proof as required from the bank.

    How to apply for a NRI Credit Card?

    • To apply for an NRI credit card, you can visit the bank’s website and apply online.
    • If there is no online option, you can visit your bank branch to apply for an NRI credit card.
    • NRI Credit Cards are offered to those who hold an NRO/NRE account with the concerned Indian Bank. Credit cards can be availed against these bank accounts. The bank might fix a limit on the minimum amount of money that needs to be maintained in the account in order to issue a credit card.
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