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

    We found 9 NRI Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    2500
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    500
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Fee Details
    1000
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Fee Details
    1000
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Fee Details
    500
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Fee Details
    500
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Fee Details
    10000
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
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    Fee Details
    1000
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Fee Details
    5000
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Fee Details

    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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    NRI Credit Cards Reviews

    • SBI Cards Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for State Bank Of India Credit Card directly with the bank ,the credit limit was ok ,I am using it for the past 2 and a half years ,There was cashback offers and reward points .I dont have any extra features on this card so far .The agent gave all the required details of the card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • RBL Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for Ratnakar Bank Credit card through online ,the credit limit was 50, 000it was not sufficient .I ahve started using this credit card .I have received the credit card on time .The agent gave all details about the credit card .I have not faced any difficulties on submitting the documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have good experience with HDFC BANK . Their branch support services are always nice and ready to help anytime. Overall it was a good banking experience with them. I never had any issues with their services. They always provided me with immediate response.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I've been using the ICICI BANK Credit card for a while.There is charges while getting the card . I do get more flexibile options. I can easily convert my purchases into EMI, there are some processing charges and they also charges a nominal interest. However the service is very useful I never had any problems with their service.s
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      I am so happy with a newly purchased HDFC credit card . They just taken ten days for dispatching the credit card to me . I am highly satisfied with the credit limit given by HDFC . Though It is not a life time free card and I am getting more offers from HDFC .
      Was this review helpful? 1
      , secunderabad
      Reviewed on Apr 22, 2019
    • SBI Cards Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I have been using STATE BANK OF INDIA Credit card . Customer support is also good. I am long time customer of SBI and never had any issues with their services. But now i close this card because i have to use only one card . There is annual fee at the time of getting the card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I hold HDFC BANK credit card , i close this card because it has very low credit limit . This card is very easy to handle . I am not happy with the services and credit limit is very low i was expecting more limit here . Offers are good , i am using this card for more than 1 year .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I came to know about Bank bazaar through online ,then tried checking credit score ,The credit score was not updated one so far that is the only suggestion .This website is easy to use .There was no issues faced so far on using this portal .This portal is doing a very good service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "Best service"
      0.5 4.5/5 "Excellent!"
      Bank Bazaar a is a great platform to compare and choose various banking products. The whole application process was smooth and hassle free.The service is excellent and very easy there was no so much of documents . The website of bank bazaar is easy to navigate and is user friendly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • American Express Credit Card
      "IN some outlest i cannot swipe "
      0.5 4.5/5 "Excellent!"
      I bought the AMERICAN EXPRESS BANK credit card . I Haven't used much. I got the card with in few days. They are notifying their customer about the due dates and billing cycle. I'll have to wait and see how this card works out for me after usage. I cannot swipe every were .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • Citibank Credit Card
      "Good for fuel filling"
      0.5 4.5/5 "Excellent!"
      I purchased Indian oil credit card from CITI bank its good for the petrol filling and they are providing petrol surcharges and cash back. Its a chargeable card around Rs. 500 but if I make certain transaction of Rs. 30,000 they give waiver option. The due date is also convenient for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • IndusInd Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple and easy for getting the INDUSIND BANK credit card and it took 10 days to get the card. The credit limit is lesser than other card, it is a life time free card but i am not getting any offers with this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • RBL Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      RBL bank credit card best thing i found is that they use to give good offers in shopping, discount offers cash back are available whenever i use for shopping. They have been charging me annual fee, but waiver option is available, they use to give good service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am having the credit card with the SBI CARD where the credit limit with this card is good with no issues. The customer service is good and they have given with the payable card but there was option of wavier off available. They are providing with EMI option.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using Axis bank credit card, where i am very satisfied with credit limit which they have been giving to me, their customer service is good, they use to response me well, it is life time free credit card have been got from them, their offers are good, so far i did not face any issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the HDFC BANK where the card has the good credit limit added on that the customer service is good. There is a option available of EMI conversion where the payment can be converted and paid with hassle free. It is a payable but wavier option is there.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "USERFRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      It is the first time experience with the Bankbazaar.com and i have a good experience also i have been using through the website as the portal is convenient and user friendly to access. The customer service is good and responsive they explain the details of the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • Citibank Credit Card
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple and easy to get the card with the CITI BANK. It took may be 1 week to 15 days approx to get the card. The credit limit is good, it is a life time free card. I am using from last one month, i am getting rewards points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD recently i had applied, they have been not charging me annual fee, it is life time free credit limit, the best thing i like in them is that it is easily available in many outlets, and it is life time free credit card, the card came on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "Grateful to Bank bazaar service"
      0.5 4.5/5 "Excellent!"
      I am so thankful to the bank bazaar service . When I am looking for a new credit card , I applied immediately in Bank bazaar . They chosen me the correct credit card and given me a Rs 750 coupon also. This is something new for me . They are doing a great service on behalf of banking sector .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
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