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Bank Credit Card

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Card 1st Year Fee Rewards Joining Perks
Kotak Royale Signature Credit Card
Kotak Royale Signature Credit Card
Rs. 0
    Earn up to 4X Rewards on Rs. 150 spent through your Kotak Royale Signature Card.
    Apply now and get 2 BookMyShow vouchers on your first swipe.

Fees & Charges


  • No joining fee
  • First year annual fee of Rs. 999 can be waived off on annual retail spends of Rs. 1 lakh.

Perks Of Getting The Credit Card


  • Earn up to 4X Rewards on Rs. 150 spent across Restaurants, Hotels, Travel agencies, Airlines etc.
  • Complimentary Airport Lounge Access.
  • Railway Surcharge waiver up to Rs. 500 in a year.
  • Fuel Surcharge Waiver up to Rs. 3500 in a year.
  • In the event of your card getting stolen, you will get a cover of Rs. 2,50,000/- against fraudulent usage upto 7 days pre-reporting .
  • 30,000 bonus reward points on annual retail spends of Rs. 8 lakhs.

Documents Required


  • KYC- PAN
  • ID Proof
  • Address Proof
  • Photo
  • Salary Slip/ Other Bank Credit Card
Kotak PVR Platinum Credit Card
Kotak PVR Platinum Credit Card
Rs. 999
    Get 24 PVR Movie Tickets in a year.
    Apply now and get 1 PVR voucher code on your first swipe.

Fees & Charges


  • No joining fee
  • First year annual fee for the card is Rs. 999.

Perks Of Getting The Credit Card


  • Get 2 free PVR Movie Tickets every month on spending Rs. 10,000 & Above.
  • Shop with your PVR Credit Cards anywhere in India.
  • Insurance cover for lost or stolen cards available.

Documents Required


  • ID Proof
  • KYC- PAN
  • Photo
  • Address Proof
  • Salary Slip/ Other Bank Credit Card
Kotak PVR Gold Credit Card
Kotak PVR Gold Credit Card
Rs. 499
    Get 24 PVR Movie Tickets in a year.
    Apply now and get 1 PVR voucher code on your 1st swipe.

Fees & Charges


  • No joining fee.
  • Annual fee for the card is Rs. 499.

Perks Of Getting The Credit Card


  • Get 1 free PVR Movie Tickets every month on spending Rs. 10,000 & Above.
  • Get 2 free PVR Movie Tickets every month on spending Rs. 15,000 & Above.
  • Shop with your PVR Credit Cards anywhere in India.
  • Insurance cover for lost or stolen cards available under PVR Shield.

Documents Required


  • ID Proof
  • Address Proof
  • KYC- PAN
  • Photo
  • Salary Slip/ Other Bank Credit Card
Citi Premier Miles Card
Citi Premier Miles Card
Rs. 3000
    Earn 10 miles for every Rs. 100 spent on airline transactions.
    10,000 miles will be given on spending Rs. 1000 within the first 60 days of joining.

Fees & Charges


  • No joining fee
  • Annual fee for the card is Rs. 3000.

Perks Of Getting The Credit Card


  • Redeem miles across 100+ Domestic and International Airlines.
  • Transfer the miles to any of the Citi Hotel and Airline Partners.
  • 3000 Miles on card renewal.
  • Earn 4 miles for every Rs. 100 spent on all other payments.
  • The Miles never expire.

Documents Required


  • ID Proof
  • Address Proof
  • KYC- PAN
  • One Photo
  • Salary Slip/ Form 16
IndianOil Citi Platinum Card
IndianOil Citi Platinum Card
Rs. 1000
    Four Turbo points are given when Rs. 150 of fuel purchases are carried out at authorized IndiaOil outlets.
    Rs.250 worth of Activation benefits when booked before 30th September, 2019.

Fees & Charges


  • No joining fee
  • Annual fee for the card is Rs. 499.

Perks Of Getting The Credit Card


  • Get 2 Turbo points on spending Rs. 10,000 & Above.
  • Get 2 Turbo points on spending Rs. 150 at a supermarket or grocery.
  • Get 1 Turbo points on spending Rs. 150 on Shopping, Dining and more.
  • Waiver of annual fee is available if you spend at least Rs.30,000 p.a. on your card else, a fee of Rs. 1,000 will be applicable at the end of the membership year.

Documents Required


  • ID Proof
  • Address Proof
  • KYC- PAN
  • One Photo
  • Salary Slip/ Form 16
Citi Rewards Card
Citi Rewards Card
Rs. 1000
    The rewards don’t expire and can be redeemed any time
    Up to 2500 Welcome Reward Points on joining.

Fees & Charges


  • No joining fee
  • Annual fee for the card is Rs. 1000.

Perks Of Getting The Credit Card


  • 10X reward points on spends at apparel and department stores.
  • 1 reward point for all other purchases of Rs. 125.
  • Evergreen Reward points.
  • Upto 15% savings on Citibank partner restaurants.
  • Annual fee is waived off if you spend at least Rs. 30,000 p.a. on your card else, a fee of Rs. 1,000 will be applicable at the end of the membership year.

Documents Required


  • ID Proof
  • Address Proof
  • Salary Slip/ Form 16
  • KYC- PAN
  • One Photo
  • Salary Slip/ Form 16
JetPrivilege HDFC Bank Diners Club
JetPrivilege HDFC Bank Diners Club
Rs. 10,000
    For every Rs. 150 spent, you can earn 8 JP Miles.
    Welcome benefit of up to 30,000 Bonus JPMiles and 15 JetPrivilege Tier points within the first 90 days.

Fees & Charges


  • No joining fee
  • First year fee for the card is Rs. 10,000.
  • Second year onwards, fee is Rs. 5,000 (Applicable to get waived off).

Perks Of Getting The Credit Card


  • Exclusive Dining privilege.
  • Unlimited golf training and access to golf clubs.
  • 3X JPMiles for spend on jet airways website.
  • Unlimited airport lounge access.
  • 1 JP Tier point on every 1,50,000 spend on retail.
  • 5 JP Tier points on renewal fee waiver.

Documents Required


  • Address Proof
  • KYC- PAN
  • ID Proof
  • One Photo
  • Salary Slip/ Form 16
HDFC Bank Times Titanium
HDFC Bank Times Titanium
Rs. 500
    Get 25% off on movie tickets and up to 15% off on dining all year long.
    Bouquet of discount voucher are given as a welcome gift.

Fees & Charges


  • First year fee for the card is Rs. 500 + GST.
  • Second year onwards, fee is Rs. 500 (Applicable to get waived off on annual spends of above Rs. 1,50,000).

Perks Of Getting The Credit Card


  • 2 points on all spends other than dining.
  • 5 points on dining during weekdays.
  • Get movie discounts of Rs. 4000 or more in a year.
  • Get discounts of Rs. 7500 or above every year on dining.

Documents Required


  • Address Proof
  • KYC- PAN
  • ID Proof
  • One Photo
  • Salary Slip/ Form 16
HDFC Bank Regalia Credit Card
HDFC Bank Business Regalia Credit Card
Rs. 1000
    Collect and Redeem reward points for free air tickets.
    1000 Reward points are given as welcome and renewal benefits.

Fees & Charges


  • First year membership is Rs. 1000 + applicable taxes.
  • Renewal membership is Rs. 1000 + applicable taxes.

Perks Of Getting The Credit Card


  • Earn 4 points for every Rs. 150 spent.
  • On annual spends of Rs. 6, 00,000 or more, get bonus points worth 7,500.
  • Complementary airport lounge.
  • On annual spends of Rs. 3,00,000 or more, get bonus points worth 5000.

Documents Required


  • Address Proof
  • KYC- PAN
  • Identity Proof
  • 1 Photograph
  • Salary Slip/ Form 16
Yatra SBI Card
Yatra SBI Card
Rs. 499
    1 reward point for every Rs. 100 spent.
    As welcome bonus, get Yatra vouchers worth Rs. 8,250 on payment of joining fees.

Fees & Charges


  • Joining Fee is Rs. 499 + applicable taxes.
  • Annual Fee is Rs. 1000 + applicable taxes.

Perks Of Getting The Credit Card


  • Discount of Rs. 1000 on domestic flights.
  • Discount of Rs. 4000 on international flights.
  • Flat 20% discount on hotel bookings.
  • Maximum surcharge waiver of Rs. 100 per month.

Documents Required


  • Address Proof
  • KYC- PAN
  • Identity Proof
  • Salary Slip/ Form 16
  • 1 Photograph
SimplySAVE SBI Card
SimplySAVE SBI Card
Rs. 499
    Earn 2.5% value back, as you get 10X Rewards per Rs. 100 spent on at all departmental and grocery stores.
    Joining Bonus of 2000 points on spending Rs. 2000 or more in the first 60 days.

Fees & Charges


  • Joining Fee is Rs. 499 + applicable taxes.
  • Annual Fee is Rs. 499 + applicable taxes.

Perks Of Getting The Credit Card


  • Annual fee can be waived off if spends are greater than or equal to Rs, 1,00,000.
  • Waiver of 1% fuel surcharge.
  • Earn one reward point per Rs. 100 spent.

Documents Required


  • Identity Proof
  • Address Proof
  • KYC- PAN
  • Salary Slip/ Form 16
  • 1 Photograph
SimplyCLICK SBI Card
SimplyCLICK SBI Card
Rs. 499
    Earn 10X Rewards on online spends with SBI’s exclusive partners.
    Get an e-gift voucher worth Rs. 500 from amazon as Welcome bonus.

Fees & Charges


  • Joining Fee is Rs. 499 + applicable taxes.
  • Annual Fee is Rs. 499 + applicable taxes.

Perks Of Getting The Credit Card


  • Get 1% fuel charge waiver.
  • Earn 10X Rewards on online spends with SBI’s exclusive partners such as Amazon, BookMyShow, Cleartrip etc.
  • 5X rewards on other online spends.
  • Annual fee can be waived off if spends are greater than or equal to Rs, 1,00,000.

Documents Required


  • 1 Photograph
  • Salary Slip/ Form 16
  • Identity Proof
  • Address Proof
  • KYC- PAN
  • Salary Slip/ Form 16
Axis Bank Vistara Signature Credit Card
Axis Bank Vistara Signature Credit Card
Rs. 3,000
    Earn 4 CV points for every Rs. 200 spent on the card.
    Get A Premium Economy Ticket as a welcome bonus.

Fees & Charges


  • Joining Fee is Rs. 3,000.
  • Annual Fee is Rs. 3,000.

Perks Of Getting The Credit Card


  • Get a complimentary Club Vistara Membership.
  • Get Club Vistara points on every swipe.

Documents Required


  • 1 Photograph
  • Salary Slip/ Form 16
  • Identity Proof
  • Address Proof
  • KYC- PAN
Axis Bank Buzz Credit Card
Axis Bank Buzz Credit Card
Rs. 750
    Complimentary Flipkart vouchers worth Rs. 8000 in a year
    Get a Flipkart gift voucher worth Rs. 1000 on making 3 purchases in a span of first 45 days.

Fees & Charges


  • Joining Fee is Rs. 750.
  • Annual Fee is Rs. 750.

Perks Of Getting The Credit Card


  • Get 10% instant discount from 1-5th each month.
  • Get 5% instant discount from 6th – 31st each month.
  • You can convert purchases into EMI.

Documents Required


  • 1 Photograph
  • Identity Proof
  • Address Proof
  • Salary Slip/ Form 16
  • KYC- PAN
Axis Bank Privilege Credit Card
Axis Bank Privilege Credit Card
Rs. 1,500
    Yatra vouchers worth Rs. 5000 on card activation
    Pay the joining fee and complete 3 transactions within 60 Days and get 12,500 eDGE reward points.

Fees & Charges


  • Joining Fee is Rs. 1,500.
  • Annual Fee is Rs. 1,500.

Perks Of Getting The Credit Card


  • The welcome bonus of 12,500 eDGE rewards points are redeemable against Yatra vouchers worth Rs. 5000.
  • Achieve the spends milestone of 2.5 lakhs and receive double the benefits.
  • Get 3000 eDGE Reward points on renewal of your Axis Bank Privilege Credit Card.
  • Get 8 complimentary lounge access at select domestic airports.
  • No Joining fee for priority customers.

Documents Required


  • 1 Photograph
  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • Address Proof
HSBC Visa Platinum Card
HSBC Visa Platinum Card
Rs. 0
    Get a cashback of 10 % for making for making a minimum of 9 transactions in the first 90 days card issue.
    Get Cleartrip voucher worth Rs. 2,000 and Swiggy Voucher worth Rs. 250.

Fees & Charges


  • No Joining fee applicable.
  • No Annual Fee applicable.

Perks Of Getting The Credit Card


  • Cashback of up to Rs. 2000.
  • Get BookMyShow vouchers worth Rs. 500 on spending over Rs. 50,000 in a month.
  • 2 reward points for every Rs. 150.
  • Get up to 15 % off dining.

Documents Required


  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • 1 Photograph
  • Address Proof
HSBC Smart Value Card
HSBC Smart Value Card
Rs. 0
    Get a cashback of 10 % of up to Rs. 1,000.
    Get Cleartrip voucher worth Rs. 2,000 and Swiggy Voucher worth Rs. 250.

Fees & Charges


  • No Joining fee applicable.
  • Second year onwards, fee of Rs. 499 is levied.

Perks Of Getting The Credit Card


  • Get 3X rewards on online, dining and telecom categories.
  • Rs. 200 voucher of BookMyShow on spending more than Rs. 15,000 a month.
  • Attractive installment plans at 10.99% per annum for E.M.I. products booked within first 90 days of card issuance.

Documents Required


  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • 1 Photograph
  • Address Proof
YES Prosperity Reward Plus Card
YES Prosperity Reward Plus Card
Rs. 350
    Earn 12,000-bonus reward points on achieving spends of Rs. 3.6 Lakhs or more in each anniversary year.
    No joining benefits.

Fees & Charges


  • First year membership is for Rs. 350.
  • Renewal membership fees is Rs. 350.

Perks Of Getting The Credit Card


  • 3 Reward points for every Rs. 100 spent on Grocery Stores and Supermarkets.
  • 2 Reward points for every Rs. 100 on other companies.
  • On each YES PayNow registration, get 500 reward points.

Documents Required


  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • 1 Photograph
  • Address Proof
YES Prosperity Edge
YES Prosperity Edge
Rs. 1000
    Earn 15,000-bonus points on achieving spends of Rs. 6 Lakhs or more in each anniversary year.
    No joining benefits.

Fees & Charges


  • First year membership is for Rs. 1000.
  • Renewal membership fees is Rs. 1000.

Perks Of Getting The Credit Card


  • 4 Reward points for every Rs. 100 spent on Grocery Stores and Supermarkets, Departmental Stores and Dining spends.
  • 2 Reward points for every Rs. 100 on other companies.
  • On each YES PayNow registration, get 500 reward points.

Documents Required


  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • 1 Photograph
  • Address Proof
Kotak Royale Signature Credit Card Kotak Royale Signature Credit Card
1st Year Fee: Rs. 0

Rewards

Earn up to 4X Rewards on Rs. 150 spent through your Kotak Royale Signature Card.

Joining Perks

Apply now and get 2 BookMyShow vouchers on your first swipe.

Fees & Charges

  • No joining fee
  • First year annual fee of Rs. 999 can be waived off on annual retail spends of Rs. 1 lakh.

Perks Of Getting The Credit Card

  • Earn up to 4X Rewards on Rs. 150 spent across Restaurants, Hotels, Travel agencies, Airlines etc.
  • Complimentary Airport Lounge Access.
  • Railway Surcharge waiver up to Rs. 500 in a year.
  • Fuel Surcharge Waiver up to Rs. 3500 in a year.
  • In the event of your card getting stolen, you will get a cover of Rs. 2,50,000/- against fraudulent usage upto 7 days pre-reporting .
  • 30,000 bonus reward points on annual retail spends of Rs. 8 lakhs.

Documents Required

  • KYC- PAN
  • ID Proof
  • Address Proof
  • Photo
  • Salary Slip/ Other Bank Credit Card
Kotak PVR Platinum Credit Card Kotak PVR Platinum Credit Card
1st Year Fee: Rs. 999

Rewards

Get 24 PVR Movie Tickets in a year.

Joining Perks

Apply now and get 1 PVR voucher code on your first swipe.

Fees & Charges

  • No joining fee
  • First year annual fee for the card is Rs. 999.

Perks Of Getting The Credit Card

  • Get 2 free PVR Movie Tickets every month on spending Rs. 10,000 & Above.
  • Shop with your PVR Credit Cards anywhere in India.
  • Insurance cover for lost or stolen cards available.

Documents Required

  • ID Proof
  • KYC- PAN
  • Photo
  • Address Proof
  • Salary Slip/ Other Bank Credit Card
Kotak PVR Gold Credit Card Kotak PVR Gold Credit Card
1st Year Fee: Rs. 499

Rewards

Get 24 PVR Movie Tickets in a year.

Joining Perks

Apply now and get 1 PVR voucher code on your 1st swipe.

Fees & Charges

  • No joining fee.
  • Annual fee for the card is Rs. 499.

Perks Of Getting The Credit Card

  • Get 1 free PVR Movie Tickets every month on spending Rs. 10,000 & Above.
  • Get 2 free PVR Movie Tickets every month on spending Rs. 15,000 & Above.
  • Shop with your PVR Credit Cards anywhere in India.
  • Insurance cover for lost or stolen cards available under PVR Shield.

Documents Required

  • ID Proof
  • Address Proof
  • KYC- PAN
  • Photo
  • Salary Slip/ Other Bank Credit Card
Citi Premier Miles Card Citi Premier Miles Card
1st Year Fee: Rs. 3000

Rewards

Earn 10 miles for every Rs. 100 spent on airline transactions.

Joining Perks

10,000 miles will be given on spending Rs. 1000 within the first 60 days of joining.

Fees & Charges

  • No joining fee
  • Annual fee for the card is Rs. 3000.

Perks Of Getting The Credit Card

  • Redeem miles across 100+ Domestic and International Airlines.
  • Transfer the miles to any of the Citi Hotel and Airline Partners.
  • 3000 Miles on card renewal.
  • Earn 4 miles for every Rs. 100 spent on all other payments.
  • The Miles never expire.

Documents Required

  • ID Proof
  • Address Proof
  • KYC- PAN
  • One Photo
  • Salary Slip/ Form 16
IndianOil Citi Platinum Card IndianOil Citi Platinum Card
1st Year Fee: Rs. 1000

Rewards

Four Turbo points are given when Rs. 150 of fuel purchases are carried out at authorized IndiaOil outlets.

Joining Perks

Rs.250 worth of Activation benefits when booked before 30th September, 2019.

Fees & Charges

  • No joining fee
  • Annual fee for the card is Rs. 499.

Perks Of Getting The Credit Card

  • Get 2 Turbo points on spending Rs. 10,000 & Above.
  • Get 2 Turbo points on spending Rs. 150 at a supermarket or grocery.
  • Get 1 Turbo points on spending Rs. 150 on Shopping, Dining and more.
  • Waiver of annual fee is available if you spend at least Rs. 30,000 p.a. on your card else, a fee of Rs. 1,000 will be applicable at the end of the membership year.

Documents Required

  • ID Proof
  • Address Proof
  • KYC- PAN
  • One Photo
  • Salary Slip/ Form 16
Citi Rewards Card Citi Rewards Card
1st Year Fee:Rs. 1000

Rewards

The rewards don’t expire and can be redeemed any time

Joining Perks

Up to 2500 Welcome Reward Points on joining.

Fees & Charges

  • No joining fee
  • Annual fee for the card is Rs. 1000.

Perks Of Getting The Credit Card

  • 10X reward points on spends at apparel and department stores.
  • 1 reward point for all other purchases of Rs. 125.
  • Evergreen Reward points.
  • Upto 15% savings on Citibank partner restaurants.
  • Annual fee is waived off if you spend at least Rs. 30,000 p.a. on your card else, a fee of Rs. 1,000 will be applicable at the end of the membership year.

Documents Required

  • ID Proof
  • Address Proof
  • Salary Slip/ Form 16
  • KYC- PAN
  • One Photo
  • Salary Slip/ Form 16
JetPrivilege HDFC Bank Diners Club JetPrivilege HDFC Bank Diners Club
1st Year Fee: Rs. 10,000

Rewards

For every Rs. 150 spent, you can earn 8 JP Miles.

Joining Perks

Welcome benefit of up to 30,000 Bonus JPMiles and 15 JetPrivilege Tier points within the first 90 days.

Fees & Charges

  • No joining fee
  • First year fee for the card is Rs. 10,000.
  • Second year onwards, fee is Rs. 5,000 (Applicable to get waived off).

Perks Of Getting The Credit Card

  • Exclusive Dining privilege.
  • Unlimited golf training and access to golf clubs.
  • 3X JPMiles for spend on jet airways website.
  • Unlimited airport lounge access.
  • 1 JP Tier point on every 1,50,000 spend on retail.
  • 5 JP Tier points on renewal fee waiver.

Documents Required

  • Address Proof
  • KYC- PAN
  • ID Proof
  • One Photo
  • Salary Slip/ Form 16
HDFC Bank Times Titanium HDFC Bank Times Titanium
1st Year Fee: Rs. 500

Rewards

Get 25% off on movie tickets and up to 15% off on dining all year long.

Joining Perks

Bouquet of discount voucher are given as a welcome gift.

Fees & Charges

  • First year fee for the card is Rs. 500 + GST.
  • Second year onwards, fee is Rs. 500 (Applicable to get waived off on annual spends of above Rs. 1,50,000).

Perks Of Getting The Credit Card

  • 2 points on all spends other than dining.
  • 5 points on dining during weekdays.
  • Get movie discounts of Rs. 4000 or more in a year.
  • Get discounts of Rs. 7500 or above every year on dining.

Documents Required

  • Address Proof
  • KYC- PAN
  • ID Proof
  • One Photo
  • Salary Slip/ Form 16
HDFC Bank Business Regalia Credit Card HDFC Bank Regalia Credit Card
1st Year Fee: Rs. 1000

Rewards

Collect and Redeem reward points for free air tickets.

Joining Perks

1000 Reward points are given as welcome and renewal benefits.

Fees & Charges

  • First year membership is Rs. 1000 + applicable taxes.
  • Renewal membership is Rs. 1000 + applicable taxes.

Perks Of Getting The Credit Card

  • Earn 4 points for every Rs. 150 spent.
  • On annual spends of Rs. 6, 00,000 or more, get bonus points worth 7,500.
  • Complementary airport lounge.
  • On annual spends of Rs. 3,00,000 or more, get bonus points worth 5000.

Documents Required

  • Address Proof
  • KYC- PAN
  • Identity Proof
  • 1 Photograph
  • Salary Slip/ Form 16
Yatra SBI Card Yatra SBI Card
1st Year Fee: Rs. 499

Rewards

1 reward point for every Rs. 100 spent.

Joining Perks

As welcome bonus, get Yatra vouchers worth Rs. 8,250 on payment of joining fees.

Fees & Charges

  • Joining Fee is Rs. 499 + applicable taxes.
  • Annual Fee is Rs. 1000 + applicable taxes.

Perks Of Getting The Credit Card

  • Discount of Rs. 1000 on domestic flights.
  • Discount of Rs. 4000 on international flights.
  • Flat 20% discount on hotel bookings.
  • Maximum surcharge waiver of Rs. 100 per month.

Documents Required

  • Address Proof
  • KYC- PAN
  • Identity Proof
  • Salary Slip/ Form 16
  • 1 Photograph
SimplySAVE SBI Card SimplySAVE SBI Card
1st Year Fee: Rs. 499

Rewards

Earn 2.5% value back, as you get 10X Rewards per Rs. 100 spent on at all departmental and grocery stores.

Joining Perks

Joining Bonus of 2000 points on spending Rs. 2000 or more in the first 60 days.

Fees & Charges

  • Joining Fee is Rs. 499 + applicable taxes.
  • Annual Fee is Rs. 499 + applicable taxes.

Perks Of Getting The Credit Card

  • Annual fee can be waived off if spends are greater than or equal to Rs, 1,00,000.
  • Waiver of 1% fuel surcharge.
  • Earn one reward point per Rs. 100 spent.

Documents Required

  • Identity Proof
  • Address Proof
  • KYC- PAN
  • Salary Slip/ Form 16
  • 1 Photograph
SimplyCLICK SBI Card SimplyCLICK SBI Card
1st Year Fee: Rs. 499

Rewards

Earn 10X Rewards on online spends with SBI’s exclusive partners.

Joining Perks

Get an e-gift voucher worth Rs. 500 from amazon as Welcome bonus.

Fees & Charges

  • Joining Fee is Rs. 499 + applicable taxes.
  • Annual Fee is Rs. 499 + applicable taxes.

Perks Of Getting The Credit Card

  • Get 1% fuel charge waiver.
  • Earn 10X Rewards on online spends with SBI’s exclusive partners such as Amazon, BookMyShow, Cleartrip etc.
  • 5X rewards on other online spends.
  • Annual fee can be waived off if spends are greater than or equal to Rs, 1,00,000.

Documents Required

  • 1 Photograph
  • Salary Slip/ Form 16
  • Identity Proof
  • Address Proof
  • KYC- PAN
  • Salary Slip/ Form 16
Axis Bank Vistara Signature Credit Card Axis Bank Vistara Signature Credit Card
1st Year Fee: Rs. 3,000

Rewards

Earn 4 CV points for every Rs. 200 spent on the card.

Joining Perks

Get A Premium Economy Ticket as a welcome bonus.

Fees & Charges

  • Joining Fee is Rs. 3,000.
  • Annual Fee is Rs. 3,000.

Perks Of Getting The Credit Card

  • Get a complimentary Club Vistara Membership.
  • Get Club Vistara points on every swipe.

Documents Required

  • 1 Photograph
  • Salary Slip/ Form 16
  • Identity Proof
  • Address Proof
  • KYC- PAN
Axis Bank Buzz Credit Card Axis Bank Buzz Credit Card
1st Year Fee: Rs. 750

Rewards

Complimentary Flipkart vouchers worth Rs. 8000 in a year

Joining Perks

Get a Flipkart gift voucher worth Rs. 1000 on making 3 purchases in a span of first 45 days.

Fees & Charges

  • Joining Fee is Rs. 750.
  • Annual Fee is Rs. 750.

Perks Of Getting The Credit Card

  • Get 10% instant discount from 1-5th each month.
  • Get 5% instant discount from 6th – 31st each month.
  • You can convert purchases into EMI.

Documents Required

  • 1 Photograph
  • Identity Proof
  • Address Proof
  • Salary Slip/ Form 16
  • KYC- PAN
Axis Bank Privilege Credit Card Axis Bank Privilege Credit Card
1st Year Fee: Rs. 1,500

Rewards

Yatra vouchers worth Rs. 5000 on card activation

Joining Perks

Pay the joining fee and complete 3 transactions within 60 Days and get 12,500 eDGE reward points.

Fees & Charges

  • Joining Fee is Rs. 1,500.
  • Annual Fee is Rs. 1,500.

Perks Of Getting The Credit Card

  • The welcome bonus of 12,500 eDGE rewards points are redeemable against Yatra vouchers worth Rs. 5000.
  • Achieve the spends milestone of 2.5 lakhs and receive double the benefits.
  • Get 3000 eDGE Reward points on renewal of your Axis Bank Privilege Credit Card.
  • Get 8 complimentary lounge access at select domestic airports.
  • No Joining fee for priority customers.

Documents Required

  • 1 Photograph
  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • Address Proof
HSBC Visa Platinum Card HSBC Visa Platinum Card
1st Year Fee: Rs. 0

Rewards

Get a cashback of 10 % for making for making a minimum of 9 transactions in the first 90 days card issue.

Joining Perks

Get Cleartrip voucher worth Rs. 2,000 and Swiggy Voucher worth Rs. 250.

Fees & Charges

  • No Joining fee applicable.
  • No Annual Fee applicable.

Perks Of Getting The Credit Card

  • Cashback of up to Rs. 2000.
  • Get BookMyShow vouchers worth Rs. 500 on spending over Rs. 50,000 in a month.
  • 2 reward points for every Rs. 150.
  • Get up to 15 % off dining.

Documents Required

  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • 1 Photograph
  • Address Proof
HSBC Smart Value Card HSBC Smart Value Card
1st Year Fee: Rs. 0

Rewards

Get a cashback of 10 % of up to Rs. 1,000.

Joining Perks

Get Cleartrip voucher worth Rs. 2,000 and Swiggy Voucher worth Rs. 250.

Fees & Charges

  • No Joining fee applicable.
  • Second year onwards, fee of Rs. 499 is levied.

Perks Of Getting The Credit Card

  • Get 3X rewards on online, dining and telecom categories.
  • Rs. 200 voucher of BookMyShow on spending more than Rs. 15,000 a month.
  • Attractive installment plans at 10.99% per annum for E.M.I. products booked within first 90 days of card issuance.

Documents Required

  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • 1 Photograph
  • Address Proof
YES Prosperity Reward Plus Card YES Prosperity Reward Plus Card
1st Year Fee: Rs. 350

Rewards

Earn 12,000-bonus reward points on achieving spends of Rs. 3.6 Lakhs or more in each anniversary year.

Joining Perks

No joining benefits.

Fees & Charges

  • First year membership is for Rs. 350.
  • Renewal membership fees is Rs. 350.

Perks Of Getting The Credit Card

  • 3 Reward points for every Rs. 100 spent on Grocery Stores and Supermarkets.
  • 2 Reward points for every Rs. 100 on other companies.
  • On each YES PayNow registration, get 500 reward points.

Documents Required

  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • 1 Photograph
  • Address Proof
YES Prosperity Edge YES Prosperity Edge
1st Year Fee: Rs. 1000

Rewards

Earn 15,000-bonus points on achieving spends of Rs. 6 Lakhs or more in each anniversary year.

Joining Perks

No joining benefits.

Fees & Charges

  • First year membership is for Rs. 1000.
  • Renewal membership fees is Rs. 1000.

Perks Of Getting The Credit Card

  • 4 Reward points for every Rs. 100 spent on Grocery Stores and Supermarkets, Departmental Stores and Dining spends.
  • 2 Reward points for every Rs. 100 on other companies.
  • On each YES PayNow registration, get 500 reward points.

Documents Required

  • Salary Slip/ Form 16
  • Identity Proof
  • KYC- PAN
  • 1 Photograph
  • Address Proof

*T&C of respective bank is applicable for the cards




Credit card seems to be on top of everyone’s minds. Most of us are aware of what a credit card is. It is a small plastic card issued by a bank that facilitates purchases on credit. It has a due date on which the holder is supposed to pay the dues failing which interest is charged.

The application procedure is simple, but you must check the eligibility criteria which may vary from bank to bank.

As we know, there are different cards like students’, travel, lifestyle and women’s credit cards etc. and they have different eligibility criteria.

These are purpose-specific cards but the one which every body wants is the free credit card. Free here refers to no annual charges. This is what we look for, right? Some of the best credit cards with no annual fee are Kotak Fortune Gold Credit Card, HSBC Visa Platinum Card, IndusInd Platinum Card etc.

The applications are straight-forward, you’ll need to meet some minimum financial requirements to get approved for the best bank credit card offers.

Basic requirements

To get a card, applicants should be at least 18 years old. If you are a student, it will come with a lower credit limit.

Typically, the applicants are salaried or self-employed, with a regular source of income to pay credit card dues. An individual with high credit score is more likely to get a credit card sooner than a one with poor credit score.

Find a suitable credit card

Not all banks cards are the same. There are different categories based on the purpose, and you need to check which one suits you the best. There are different types of bank cards especially made for people who travel, watch movies, and love to have a fine dining experience. If you like travelling, then a travel card with lounge access is what you should look at.

Check for a bumper deal

Don’t you think there’s a vast array of bank credit cards available to us? It must be very confusing to choose one of the many credit cards, but if you go step by step, you could crack the best possible deal. Check every bank’s policy that best suits your purpose. It includes the rewards, interest rate, income eligibility, fees, cash backs etc. Once you’re thorough with every bank’s policy, you can pick the best option.

Apply online

Applying online for credit cards is easy because it takes only a few minutes to process. So, once you’ve compared the offers and chose the one that suits your budget and lifestyle, fill the form on the bank’s website. Fill your details like name, email id and phone number.

Submit your KYC documents, identity proof, address proof, proof of income, past credit score and passport size photograph to get instant approval on your application. The details might vary a bit depending upon the purpose of the card and bank’s policy.

Apply Offline

For those of you who aren’t comfortable with online application methods can visit the bank branch directly to apply for the same. Tell the bank representative about the type of card you need, and he/she will help you decide the best card that matches your needs. The rest of the procedure is same as the online application wherein you have to fill the form in writing with KYC documents.

If you’ve applied online, you may either receive an instant confirmation or within a few days. Paper applications still take a week or two to process. After you get the bank card is when the real fun starts. You can start using it to build credit, but that doesn’t mean you’re going to overspend and get yourself under mountains of debt. Also, how about earning rewards, getting cash backs for everyday purchases? Sounds interesting.

Now it must be easy for you to apply for a credit card that gives you the best deals and offers lower interest rates and lesser or no annual charges.

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