Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Credit Card 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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    Rewards Credit Cards in India is Rated as "Excellent!" by 35784 Users

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    Credit Card BYTES FROM OUR KITCHEN

    It would be safe to say that no other financial products have had as much impact on the economic world as much as credit cards have. This small pieces of plastic may seem unassuming at first but the sheer number of features and benefits that these products bring, are enough to change the way a cardholder spends. Credit cards allow individuals to borrow money against a line of credit through which the cardholder can purchase goods and services or even balance transfers. This loaned amount will have to repay back. Customers should ensure that they at least pay a minimum amount due every month. Additionally an interest rate is also charged every month.

    However credit cards offer more than just this every month. With the increase in the number of individuals opting for credit cards and sheer diversity of everyone’s lifestyles, credit card providers started introducing cards that came with a host of advantageous benefits and features. Certain credit cards are also customised to suit specific needs of individuals. For example, credit cards with specific discount and freebies that are travel related can be availed by those who have been bitten by the wanderlust bug, or by those who travel frequently even otherwise. Similarly, those who use their vehicles to travel can procure credit cards that come with discounts on fuel. Credit cards that are specially suited for dining and shopping needs are also available by numerous credit card providers. These credit cards are perfect for those who have corresponding lifestyles. Judicious use of credit cards can result in high credit scores and a good credit card report. Conversely, if credit card bills are not paid on time or if benefits are not used carefully, cardholders can find themselves being sucked into an endless vortex of credit card debts.

    Credit Cards and Rewards

    Reward Points in credit cards allow customers to avail certain benefits when they charge a specified amount or more to their credit card. These Reward Points can be exchanged for rewards or other benefits. Loyalty points also work on a similar idea, wherein a certain amount of points can be availed by using the credit card in specified ways.

    Credit card providers such as banks and financial companies provide certain cards that come with additional Reward and loyalty points that customers can gain every time they use their credit cards.

    Types of Rewards Credit Cards in India

    Some of the common Reward Credit cards types that are available are as follows –

    • Travel Rewards Credit Cards
    • Dining/Shopping Rewards Credit Cards
    • Entertainment Rewards Credit Card

    Travel Rewards Credit Cards

    These cards are specifically made for those who love to travel the world and are self-confessed wanderlust addicts. These cards provide deals on domestic and international trip fares that are charged to the specific credit card along with offers such as AirMiles. These offers can be in the form of discounted tickets, complimentary lounge stays, lower hotel prices and so on. Sometimes Reward Points can also be converted to AirMiles once a certain number of points have been accumulated. These cards are therefore, highly advantageous to all those individuals who travel frequently.

    A number of credit card providers come up with credit cards that are designed specifically to cater to the needs of frequent travellers. Some of the popular ones include -

    HDFC JetPrivilege Diners Credit Card

    This card comes with a whole host of benefits and features that are perfect for every frequent traveller.

    The annual fee for this card is Rs.10,000 for the first year and the renewal fee is Rs.5.000. Customers on procuring this card receive a welcome benefit of a maximum of 30,000 bonus JPMiles along with 15 JetPrivilege Tier points within a period of the first 90 days.

    Additionally, cardholders can avail 8 JPMiles for every Rs.150 that they charge to their card and 24 JPMiles every time they charge Rs.150 to their credit card by booking a flight ticket on the Jet Airways website.

    Cardholders can also procure a waiver of their base fare and discount voucher for the return flight ticket on the Jet Airways website once membership fee has been paid. Cardholders can also procure a discount of 5% on the base fare on revenue tickets that are booked on the Jet Airways website. In addition to the above, there are a number of other perks available as well making this one of the top travel credit cards available.

    SBI Air India Visa Signature Credit Card

    The annual fee for this credit card is Rs.4,999 for the first year and for subsequent years as well. There are a number of rewards that can be procured through this card. 1 Air India Mile equals 1 Reward Point. When customers avail this card, they stand to receive 20,000 Reward Points as a Welcome Bonus. For every Rs.100 spent on tickets from Air India, cardholders will receive 20 Reward points.

    In addition to the above, customers can procure complimentary membership of Air India Frequent Flyer program along with access to more than 600 luxury lounges in International airports thanks to the complimentary Priority Pass Program. Cardholders can also avail complimentary access to the Visa Lounge Access Program in India at major domestic airports.

    Citibank Premier Miles Credit Card

    This credit card by Citibank is available in both Visa as well as MasterCard variant and has an annual fee of Rs.3,000. Customers can procure 10,000 Miles on their first spend of Rs.1,000 or over and 3,000 Miles when they renew their credit card. Each time customers charge Rs.100 to their credit card for flight ticket booking, car rentals or hotel stays at the dedicated PremierMiles website, they stand to receive 10 Miles. On airline transactions charged to their credit card, customers can earn 10 Miles for every Rs.100 spent.

    Customers can also earn 10 Miles for every Rs,100 spent through their card with merchant partners such as Flipkart and MakeMyTrip. Cardholders have the option to convert every 2 Miles of theirs to 1 Frequent Flyer Air Mile. Additionally, Air Accident Insurance Cover of upto Rs.1 crore is also available.

    Dining/Shopping Rewards Credit Cards

    With the popping up of restaurants every 2 kilometers, every second individual is either a food connoisseur or a gourmet grazer. Armed with smartphones to share the details of their dining extravagances, these individuals are willing to spend a lot more than what is accepted as the norm, on dining experiences. Whether it is street food or fine dining, a number of individuals today are splurging on experiences related to food today. Credit cards have jumped on the food bandwagon and a number of companies provide credit cards that make these dining experiences a lot more fulfilling.

    Additionally there are also those shopaholics who love to purchase not just food and clothes but even groceries and splurge on departmental stores. These days customers are also moving towards online shopping a lot more due to the sheer number of choices that are available and frequent sales. A number of credit cards also cater to this section. Some of these include -

    Standard Chartered Manhattan Credit Card

    One of the best credit cards for rookies and experiences cardholders alike, this card by Standard Chartered Manhattan credit card offers a cashback of 5% on all grocery spends. This credit card is apt for those who have annual spends of Rs. 1 lakh to Rs.2 lakhs. Customers procure a 5 times Rewards when they use their credit card to pay for dining expenses at restaurants and hotels, air line tickets and even fuel. Additionally customers can also earn cashback of upto Rs.500 per month and Rs.150 per transaction.

    SBI Signature Elite Credit Card

    This credit card comes with a whole host of benefits and Rewards. Customers will have to pay an annual fee of Rs.4,999 as the annual fee. Once they procure this card they will receive Welcome gifts worth the same amount. Benefits worth Rs.30,000 can be procured every year along with 2 free movie tickets every month when booked on Bookmyshow.com.

    On every Rs.100 spent through the SBI Signature Elite credit card on purchases at Departmental stores groceries, international purchases or dining, customers can procure 10 Reward points. On other purchases, every Rs.100 will result in cardholders receiving 2 points. Cardholders also can use the benefit of the Signature Contactless Advantage.

    Once customers achieve an annual spend of Rs.2 lakhs or Rs.3 lakhs or Rs.4 lakhs they can earn Bonus Reward Points of 10,000. Once annual spends exceed Rs.5 lakhs, cardholders an avail 20,000 Bonus Reward Points. Customers should note that each Reward Point is equal Rs.0.25.

    HDFC Regalia Credit Card

    This credit card can be procured only by those who enjoy a good relationship with HDFC and is quite hard to procure. The annual fee will depend on the individual’s credit score and their spending habits. Through this card, customers can avail 8 Reward points on every purchase made at the HDFC Regalia website. Customers can also procure 6 Reward Points for every Rs.150 spent on dining and 4 Reward Points for the same amount spend on other purchases. Against exclusive lifestyle choices, customers can redeem their Reward Points wherein 1 Reward Point is equal to Rs.0.75. Cardholders can also procure a complimentary Taj Epicure Plus Membership Card and a Priority Pass Membership. Additionally, customers can also procure an air accident cover of upto Rs.1 crore and an overseas emergency hospitalisation cover worth Rs.12 lakhs.

    Entertainment Rewards Credit Card

    What is life without the right kind of entertainment. Movies, games, travelling, shopping, etc., each one of these activities are something that most individuals enjoy. In order to ensure that this entertainment is not curtailed by the lack of funds, a number of banks and financial companies provide credit cards that allow individuals to enjoy a whirlwind of activities without causing too deep a dent in their wallet. These credit cards offer not just deals and discounts but also Reward Points which can be exchanged for other benefits and features.

    Some of the credit cards that offer entertainment related benefits are as follows -

    SBI Simply Click Credit Card

    The Simply Click Credit card is perfect for those who love to shop online and go to movies. This credit card comes with a very low annual fee of Rs.499 which will be waived if they spend over Rs.1 lakh per year on their card. Additionally, cardholders also get a bonus gift voucher of Rs.500 from Amazon upon procuring this card.

    Cardholders can avail 10X Rewards on online spends made at websites such as BookMyShow, Amazon, FoodPanda, FabFurnish, ClearTrip, Ola, Lenskart and Zoomcar. On online shopping at other websites, cardholders can avail 5X Rewards. When customers spend over Rs.500 on fuel through their credit card, a waiver of 2.5% fuel surcharge can be availed. In case annual online spends crosses Rs.1 lakh, cardholders receive a Cleartrip e-voucher that is worth Rs.2,000.

    ICICI Bank Coral American Express Credit Card

    This credit card combines the best of both ICICI Bank and American Express. Boasting of a unique transparent design, this credit card is distinctive. Through this card, customers can enjoy a number of benefits with respect to shopping, dining and entertainment.

    Other benefits include a complimentary Provogue tie when customers procure this card. 50% more Reward points when individuals use this credit card to shop online. 2X cash rewards can be availed on groceries, dining and purchases at supermarkets. Under the Buy 1 get 1 offer that is provided by BookMyShow, cardholders can avail 2 complimentary movie tickets every month. Thanks to the Culinary Treats Programme, customers an avail savings of a minimum of 15% on dining bills at numerous restaurants. Cardholders can also avail complimentary access to certain airport lounges in India as courtesy of American Express.

    Given above are some of the commonly procured credit cards for the sheer number of Rewards and benefits provided by them. Customers need to understand their needs and requirements prior to opting for a credit card.

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