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Bank Credit Card

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Card 1st Year Fee Rewards Joining Perks
Kotak 811 #DreamDifferent Credit Card
Kotak Dream Different Credit Card
Rs. 0
  • Earn 2 reward points against every Rs. 100/- of online spends
  • Earn 1 reward point against every Rs. 100/- of other* spends
    500 bonus reward points on Rs.5000 spends in the first 45 days

Fees & Charges


  • No joining fee
  • No annual fee

Perks Of Getting The Credit Card


  • Earn 500 bonus reward points on card Activation and on Rs. 5000 spends in the first 45 days.
  • Withdraw cash up to 90% of your total credit limit.
  • In case your Credit Card is stolen, get a cover of Rs. 50,000 against fraudulent use.
  • Get 1% Fuel Surcharge waiver across all petrol pumps for transactions between Rs. 500 and Rs. 3000.
  • Get 1.8% Railway surcharge waiver on irctc.co.in & 2.5% Indian railway booking counters
  • High credit limit of up to Rs.12 lakhs

Documents Required


  • No documents needed. Applicant should be a Kotak 811 customer.
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 Dream Different Credit Card Kotak 811 #DreamDifferent Credit Card
1st Year Fee: Rs. 0

Rewards

  • Earn 2 reward points against every Rs. 100/- of online spends
  • Earn 1 reward point against every Rs. 100/- of other* spends

Joining Perks

500 bonus reward points on Rs.5000 spends in the first 45 days

Fees & Charges

  • No joining fee
  • No annual fee

Perks Of Getting The Credit Card

  • Earn 500 bonus reward points on card Activation and on Rs. 5000 spends in the first 45 days.
  • Withdraw cash up to 90% of your total credit limit.
  • In case your Credit Card is stolen, get a cover of Rs. 50,000 against fraudulent use.
  • Get 1% Fuel Surcharge waiver across all petrol pumps for transactions between Rs. 500 and Rs. 3000.
  • Get 1.8% Railway surcharge waiver on irctc.co.in & 2.5% Indian railway booking counters
  • High credit limit of up to Rs.12 lakhs

Documents Required

  • No documents needed. Applicant should be a Kotak 811 customer.
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




bank blur business buy
Photo by Pixabay on Pexels.com

Credit card is a plastic card just like a debit card. While in case of a debit card, the amount paid is debited from your bank account, in case of a credit card, it comes with a pre-defined limit. The credit card company fixes the credit limit. Banks set the credit limit after considering your annual income, credit score, and other factors. If you use your credit card wisely, banks may increase your credit limit within a few months.

Who can apply for a bank credit card? 

Depending on the type of credit card, credit card companies have varying credit card eligibility requirements. 

Salaried Individuals, self-employed people or professionals, NRIs and students can apply for a credit card. Individuals applying for a credit card need to be above 18 years of age.  

Documents needed to apply for a bank credit card

The documents needed to apply a bank credit card will depend on the applicant and type of credit card. You can avail secured credit card or credit card against Fixed Deposit such as Kotak 811 Credit Card without providing any physical documents. 

However, to apply for a regular credit card, you have to submit PAN card, proof of identity, proof of address and proof of income. 

PAN card is mandatory for all credit card applicants. In addition, proof of identity, proof of address and proof of income are needed for a bank credit card. You need to submit a copy of these documents. You may have to show the original documents to the bank official for verification. 

You need to submit any one document of each of the category: 

Proof of Identity

PAN Card, Aadhaar Card, Passport, Voter’s ID Card, Driving License, Ration Card, Arms License, Freedom Fighter’s ID Card or any other photo ID proof duly signed by a Gazetted Officer and legally accepted in the country. 

Proof of Address

Passport, Aadhaar, Voter’s ID Card, Ration Card, Driving License, Lease/Rent Agreement, Property Documents, Utility Bills (not more than 3 months old), any other address proof 

Proof of Income

Salary Slip (last 3 months), Bank Statement (last 6 months), Form-16, ITR

Ways to Apply for a Bank Credit Card

Online Application

Many banks offer online application of the credit card to their savings account customers. Account holders can apply for a credit card online from their bank’s internet banking portal or mobile banking app.

Based on internal policies, customers could also avail credit card while booking a fixed deposit or get a credit card with a pre-approved credit limit.

Online application of credit cards is a paperless process. You may have to add a few additional details and bank will deliver your credit card at your communication address.

Offline Application

Offline application or paper-based application of credit card involves filling up of physical forms, submitting documents and income proof by visiting the bank branch.

Things to keep in mind before applying for a credit card

Applying for a credit card is now instant and easy. Many banks offer their savings account customers with pre-approved credit cards. Customers with a fixed deposit can also apply for a secured credit card online. However, you need to keep in mind a few things before you apply for a credit card. 

Credit score

Credit score shows the creditworthiness, which is the ability to pay back the debt. A good credit score is essential to apply for credit cards. Also, you can build your credit score by using credit cards wisely by paying your dues on time. 

Credit Limit

Every credit card has a credit limit. The maximum credit limit of a credit card against Fixed Deposit depends on the fixed deposit created. On the other hand, the credit limit of a regular credit card will depend on the applicant’s eligibility. 

Fees

Credit cards have different fees. Joining fees, annual fees, late payment charges, cash withdrawal processing fee, over charge fees are some fees applicable to most credit cards. 

So, it is important to pay your dues on time and keep a note of the fees before applying for a credit card. Few Credit Cards against FD like Kotak 811 #DreamDifferent Credit Card is a lifetime free credit card that does not have any joining or annual fees. 

Interest Rate

Credit Card companies offer interest-free period to their customers. During this period, you can make payment using your card without paying any interest. However, if you don’t pay your dues on time, card providers will levy interest on the balance amount.

Credit utilisation ratio

Credit utilisation ratio is the credit that you utilise out of your total available credit. It is best to keep a low credit utilisation ratio of 30% to 40%.  A higher credit utilisation ratio may have a negative impact on your credit score. 

Offers and benefits 

Credit cards come with different offers and benefits. Also, few credit cards are designed for specific uses. Check the offers and benefits on different credit cards to select the best one for you.  

How to build credit history or improve credit score through credit card?

If you use your credit card wisely, you can build your credit history or improve your credit score. 

Here’s how credit cards can improve your credit score: 

Get a credit card against FD

Typically, banks offer credit cards to customers with high credit score. If you have recently started working or don’t have any income proof, you can apply for a secured credit card. You can apply for credit card against FD online without any income proof or credit score.

Paying your dues on time 

Banks submit your credit repayment report to credit bureaus such as CIBIL. So, when you pay your credit card dues in full every month, it signals that you can use credit responsibility. Credit repayment history plays a major role in improving your credit score. 

Additionally, it can also help you build credit history. If you don’t have a credit history, paying your credit card bills on time for over 12 months can lead to a decent credit score. 

Keeping a low credit utilisation ratio    

 As mentioned earlier, utilising low credit out of your available balance or keeping a low credit utilisation ratio will help you improve your credit score. Keeping a credit utilisation ratio between 30-40% shows responsible use of the credit card. 

If you are using your credit card wisely, your provider will be happy to increase your credit limit. A higher credit limit will help you keep your credit utilisation ratio low. 

If you have over one credit card, you can spread your purchases and payments across the different credit cards to keep a low credit utilisation ratio. 

Avoid applying for multiple credit cards 

While using multiple cards can keep your utilisation ratio low and increase your credit score, applying for multiple credit cards may have a negative impact on your score. 

It is because whenever you apply for a credit product, banks fetch your credit report from credit bureaus. This is called credit enquiry. And your credit score is reduced by few points whenever an institution carries out credit enquiry. 

Applying multiple credit cards signal credit bureaus that you are credit hungry.  

Check before you close your credit card

The credit history also affects your credit score. So, when you close your credit card, you also close your oldest credit line. Hence, it is important to be cautious before you close your oldest credit card.    

Why you should use your credit card to make payment? 

Cash Back

We all love getting something extra. Credit card companies offer a certain percentage of the purchases made through the credit card as cashback. Depending on the issuer, the cashback can range from 1% to 10%. So, if you are going to make high value transactions, making the payment through credit card can help you save more money. 

Reward Points

Credit card users also get reward points when they use their credit card to make purchases. Depending on the credit card, people can earn reward points when dining out, buying groceries, etc. 

After reaching a certain minimum reward point, you can redeem the rewards points while making any purchase. Co-branded credit cards, i.e. credit card with tie-ups with certain brands, offer higher reward points.      

Higher safety

Paying through credit cards is a safer than a debit card. If your debit card is stolen or falls on the hands of the miscreants, your money lying in your bank account may be at risk. In case of any such fraudulent transactions, it may be impossible to get money credited to your account. 

However, in case of fraudulent use of your credit, after notifying the credit card company, the company will take care to resolve the matter. 

Interest-free Period

When you pay for a purchase through a credit card, your money remains in your savings account till you clear the credit card dues. Credit card users get an interest-free period of up to 50 days. 

Convert big purchases into EMI 

Credit cards make it affordable to make big ticket purchases putting no strain on your monthly budget. You can convert the big purchase into EMIs.  

How to use your credit card?

Judicious use of your credit card

Credit utilisation is the credit card balance compared to the credit limit. Using a higher credit card balance may make it harder to pay the credit card dues on time. This can lead to delay in the bill payments which may affect your credit scores.

Pay bills on time 

Paying your credit card bills on time will be helpful in reaping the maximum benefits of your credit card. Paying your dues on time will also help improve credit score.     

Use your credit card regularly

You can receive many offers and benefits on credit card use. If you don’t have credit history, regular use of a credit card can help to build credit history. 

Conclusion

Credit Card is a great tool to increase your purchasing power and improve your credit score. Paying your credit card dues on time, keeping a low credit utilisation ratio are great ways to build credit history and score. 

Secured credit card or credit card against Fixed Deposit is a good credit card option for young professionals, housewives and students.   

However, you need to be cautious while using credit cards. Note the different fees and interest, and offers before applying for a credit card. 


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