Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 62 NRI Credit Cards

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    Rs.750 Amazon voucher free Ad Paperless approval option available
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  • NRI Credit Cards Reviews

    • IndusInd Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am having Indus Ind credit card for the past 1 year. The benefits like rewards points cash back offers and online offers are available with this card. I am happy with the credit limit. The interest rate is nominal with this card. The best the thing is free movie ticket reward points, and the low interest rate on cash transactions. I am happy to use this card.
      Was this review helpful? 2
      , lucknow
      Reviewed on Jun 23, 2017
    • Standard Chartered Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I hold a credit card with Standard Chartered bank and the offers are good. I earn reward points but I am unable to redeem the points. The credit limit is of 32k, but I am needing a better limit on the card. The customer services and response is good and satisfactory.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using Diner club credit card, whenever I go for any tie up restaurant with the HDFC they are providing some cash back and also I get some reward points. I am happy with credit card service of HDFC. Bill are very transparent and clear about the transaction.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have never used this ICICI CORAL credit card properly . I hold this ICICI coral card for past 3 years. When I was using this card I got the reward points, cash back offer and the payback card which is attached with this card. For every transaction I will be some loyalty points which is added to the payback card. I am happy about the credit limit. I am satisfied using this card .
      Was this review helpful? 1
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The HDFC bank All miles credit card carries benefits like reward points and cash back offers. The reward points can be redeemed as air tickets, which is very good offer. I am happy about the credit limit. The rate of interest is nominal with this card. I am satisfied using this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Extremely good in the services"
      0.5 5.0/5 "Blown Away!"
      After seeing my transactions in my account, HDFC Bank offered me a credit card with a credit limit of 60K. They have also told me to use the card for the next three to four months and the bank would increase the limit. Even if they do not do it, I would not mind because I am extremely happy with the clarity they provide in the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a SBI platinum card last month and I have made a purchase of a mobile phone. The service with SBI credit card is really good. The rate of interest is nominal with this card. I am happy about the credit limit. The customer service and the response with SBI is good. I am happy to use this S BI platinum credit card.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a Money back credit card with HDFC bank for past 6 months. I get benefits like reward point, cash back offers and Online purchasing offers with this card. I am getting the notifications about the special offers with this card. The rate of interest is nominal with this card. I am happy about the credit limit and satisfied using money back card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • RBL Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding this RBL card for almost a year. If I spend more than 5k per month on this card I would be getting rs 500 voucher which can be redeemed as a movie ticket on book my show. This card has an annual fee of rs 500. Happy about the credit limit also I always prefer to pay my credit card bills through NEFT. I am very much satisfied using this RBL card.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      SBI simply click card has got reward points scheme, online offers and I getting a better discounts on online purchases too. Also fuel surcharge waiver is applicable on this card but I have not used it though. I am very much happy with the credit limit which was offered on this card. The turn around time taken to pay my credit card bill was around 45 days. I can also make the payment through SBI online portal. Annual fee on this card is rs 500.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It is very nice place to get credit cards . We get early feed backs . It will be good if we get more cards from different banks . Helps in loans . It's almost a like a bank . You can apply from wherever you stay . No need to stand in que. This is very good application
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Charges should be reduced"
      0.5 2.0/5 "Expected more"
      Three years back I had taken car loan from HDFC, they have charged 5% of interest for the foreclosure, I had taken the car loan of Rs. 3.60 lakhs for the tenure of five years. I have done a foreclosure between the tenure period, I am not happy with their charges and it was really high.
      Was this review helpful? 0
      , srinagar
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Clear process"
      0.5 4.0/5 "Great!"
      HDFC Bank has been good on the credit card services and the offers are good and satisfactory. The credit limit is also good and the bills are sent on time and I do not have to recheck the statements they send me. No hassles overall and I am happy to use them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Need improvement in services"
      0.5 3.0/5 "Satisfactory"
      HDFC Bank is not doing well in terms of credit card. They do not value their customers. I am banking for this card for the last nine years and the credit limit is very less and the customer services are also not good, also they are not consistent in the process.
      Was this review helpful? 0
      , madurai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit card experience with HDFC bank is not good. Probably next year l might stop using this card because they also don't provide any offers and the credit limit they have offered is 50000 rupees and this is a life time free credit card holding this card for more than 5 years now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Frankly speaking , I am not happy with the level of service offered on my ICICI Bank credit card. I do not get proper services when I contact the bank. No proper offers nothing. The credit limit they have provided is 40000 rupees and 200 rupees is annual charge and this card is 3 years old.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Most promising feature of ICICI Bank credit card is, I am using ICICI coral credit card it is really good for entertainment, every month I am getting two movie tickets from them. Earlier I had Rubyx credit card there annual charges was more. Hence I migrated to coral visa card its good. I am fine with that too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and when I did not get my personal loan through, I called up the customer care and I got the loan on the card. It was a very quick process and hassle free too. There are other benefits and offers on the card and no inconvenience faced.
      Was this review helpful? 0
      , porbandar
      Reviewed on Jun 23, 2017
    • Kotak Credit Card
      "They should transparent in their service"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra always takes some unwanted charges for the credit card and they wont give clear information about the charges. They offered me credit limit of Rs.30,000 its very low. I am using it for one year. So far I haven't get any credit card offers, they should work on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Nice Credit card"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me good cash back offers, I got upto Rs.2000 based on the product which I purchased. I have been using it for two years its good, they offered credit limit of Rs.75,000. I always make the total amount so I not aware of interest rate. Overall I am happy with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
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    NRI Credit Cards is Rated as "Excellent!" by 35784 Users

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    Credit Card BYTES FROM OUR KITCHEN

    Keeping the needs of financial of NRI customers in mind, banks have been offering special NRI Credit Cards to enable NRIs handle their payments with ease, while in India or abroad. While mostly similar to a regular credit cards, there are certain aspects of an NRI credit card which are different from usual. NRIs can use this credit card to make purchases, for travel bookings, to pay at restaurants, etc. the biggest advantage these cards offer is that they allow the cardholder to pay in rupees and eliminate the hassle of currency conversion.

    Benefits of NRI Credit Cards

    NRI Credit Cards afford many benefits to the card holder, which are listed as follows:

    • Reward Points - Cardholders can make purchases in India or abroad and earn reward points for the same.
    • Surcharge Waiver- Cardholders get a waiver on fuel surcharge when they use the card to purchase petrol at fuelling stations and on train bookings done in India.
    • Cash Back – When the card is swiped at any partner hotels, for international purchases, etc., cardholders can get some cash back.
    • No Currency Conversion Required – The most important benefit provided by an NRI credit card issued from a local bank is that they eliminate the hassle of currency conversion or the need to use a card of another country as transactions are carried out in Indian currency.
    • Revolving Credit Facility – With the revolving credit facility, cardholders can benefit from interest-free periods and also have the option to carry their balance forward (interest ill be charged on balance).
    • Interest – Interest charged on NRI credit cards may differ from one bank to he other. While the interest ill be more than what is charged on a regular credit card, various banks do offer low interest on these cards. Do find out the interest chargeable on the card before applying.
    • ATM Access - NRI credit cards will provide the cardholder access to cash at hundreds of VISA or MasterCard ATMs not inly in India but also overseas.
    • Easy Payment Options – One can make easy payments for an NRI credit card through their NRO, NRE or FCNR account. After making an inward remittances to any of the aforementioned accounts, NRIs can then make their credit card payments.
    • Add-on Cards – NRI credit cards also provide the facility of add-on or supplementary cards which can be used by your family members who can also benefit from the usage of the card.

    Eligibility for NRI Credit Cards

    For an NRI to apply for an NRI credit card, banks have an eligibility criteria laid down. Some of the commonly requested requirements include the NRI to hold an NRE (Non-Resident External Rupee) or NRO (Non-Resident Ordinary) account with the bank. This is one of the most important criteria followed by every bank that issued NRI credit cards. The type of account in this case can be a Current, Savings, Term Deposit or a Fixed Deposit Account. The credit limit permitted on the credit card will be decided based on the amount parked in the account, which is only a measure to determine the repayment ability of the account holder. Certain banks may also require the account holder to maintain a minimum balance in such accounts in order to be eligible for accredit card.

    Documents Required For Application

    In order to apply for an NRI credit card, the applicant will require to provide the bank with the following documents. For specific documents required to obtain a credit card, please contact your bank.

    • Photocopy of the applicant’s passport / visa / work permit / address proof for their overseas and/or India / an official document with proof of signature.
    • Passport sized photographs.
    • A self-cheque drawn by the NRI applicant on their bank account held abroad.

    Things To Remember About NRI Credit Cards

    When it comes to NRI credit cards, here are some things one must keep in mind before choosing a card.

    • Fees – credit cards will carry an annual fees, joining Fees and processing fees.
    • Interest rate – Check the rate of interest that’s charged by the bank. Compare between different banks before choosing a card.
    • International Acceptance – Find out in what countries will your card be accepted and where it wont.
    • ATM Usage – Find out the charges for cash withdrawal when you use your card at the same bank or a different bank’s ATM.
    • Card Protection – Find out if your bank provides services such as Lost Card Protection, Fraud protection cover if the card is stolen or lost.
    • Custom Duty – Will there be any Custom Duty charged if you use your card in another country?
    • Charges – What are the charges applicable on late payments or for cancellation of the card.
    • Monthly Payments – How convenient is it to make monthly payments of your credit card from another bank account? What options do you have to make payments such as in cash, by cheque, NEFT, IMPS, etc.

    Banks Offering NRI Credit Cards

    There are various banks in India such as HDFC, SBI, Kotak Mahindra, ICICI, Axis Bank, Citibank and others who offer NRI credit cards. Some of these are as follows:

    • State Bank of India - State Bank of India has introduced the NRI Platinum which offers multiple benefits such as payment of purchases and transactions in Indian rupees, 2% cash back on purchases abroad, travel insurance against a number of risks, low interest on unpaid balance, add-on cards, FlexiPay option and many more.
    • Kotak Mahindra Bank – The NRI Royale Signature is a special NRI credit card offered by the bank which comes with several premium benefits such as 2x rewards on international spends, facility to purchase and pay in INR, waiver on fuel and railway surcharge, option for an Add-on Card, sophisticated protection against fraudulent card usage or theft and many more such benefits.
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