Credit cards offers

Although credit cards have become an important purchasing tool, even today it remains a poorly misunderstood concept by the majority of Indian consumers. And this is a situation when the transactions done via credit cards are worth twice the amount as done using debit cards. Hence, it becomes imperative to understand which credit card suits your expenditure style the best.

With plenty of options to choose from, we as consumers differ from each other in our buying behavior. You could fit into a category or two such as – a traveller, a shopaholic, someone who spends on dining, fuel, etc. Remember that no single credit card is better than the other in all the categories. Therefore, make a wise decision to pick the one that matches your spending pattern and credit situation.

Kindly find below a snapshot of best of offers on credit cards in the market.

If you are someone who swipes your card usually for shopping, check out the following list –

1) Standard Chartered Emirates Platinum Mastercard credit card

With annual fee of Rs.3999 for variant 1 and Rs.13,999 for variant 2
Offers –
Welcome Bonus of 27,500 Skyward Miles.
4 Emirates Skywards Miles for every Rs.150 spent.
Fly to Dubai if you earn 27,500 Skyward Miles.
Fly to Rome, Paris or London, among others if you earn 55,000 Miles.
Fly to the USA if you earn 85,000 Miles.
Other Travel Features –
Complimentary membership to over 850 lounges globally with a usage fee of $27 per member.
Travel Insurance up to Rs.10 Million

2) American Express Platinum Reserve credit card

With annual fee of Rs.5000 for the first year and Rs.10000 as renewal fees
Offers –
Welcome Gift of 11,000 Bonus Membership Rewards Points.
1 Membership Rewards Point for every Rs.50 spent on the Card.
Other Travel Features –
Additional cashback of up to Rs.10,000 at MakeMyTrip.com.
Privileges at Luxury Hotel chains like Taj Hotels, Resorts and Palaces, Trident Hotels and more.
Access to American Express proprietary lounges in Delhi and Mumbai.
Complimentary membership to Priority Pass.
Complimentary access to leading golf courses in India.

3) SBI SIMPLYCLICK credit card

With an annual fee of Rs.499
Offers –
Welcome E-gift Voucher of Rs.500 from Amazon.in.
10X Reward Points by shopping online with this card on exclusive partners like Amazon, BookMyShow, FoodPanda and more.
5X Reward Points on all other online spends.
E-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh and 2 Lakh.

4) ICICI Bank Coral American Express credit card

With annual fee of Rs.500 (exclusive of taxes) from the second year onwards
Offers –
50% more Reward Points on your online spends.
2X cash rewards on dining, groceries and at supermarkets.
2 complimentary movies every month under the Buy 1 Get 1 offer through www.bookmyshow.com.


5) CitiBank First Citizen credit card

Offers –
Rs.500 www.shoppersstop.com voucher.
Rs.500 First Use Benefit Vouchers.
Rs.350 worth of Citibank Reward points as Early Shopping Reward.
Up to 7* Reward Points for every Rs.100 spent at Shoppers Stop.

6) SBI Air India Visa Signature credit card

With annual fee of Rs.4999
Offers –
1 Air India Mile = 1 Reward Point.
20,000 Reward Points as Welcome Bonus.
20 reward points for every Rs. 100 spent on Air India tickets.
Other Travel Features –
Complimentary membership of the Air India Frequent Flyer program –Flying Returns.
Access to over 600 International Airport Luxury Lounges with complimentary Priority Pass Program.
Complimentary Visa Lounge Access Program in India at major domestic airports.


7) Citibank Premier Miles credit card

With an annual fee of Rs.3000
Offers –
10,000 Miles with your first spend of Rs.1,000 or more.
3,000 Miles on Card renewal.
Earn 10 Miles per Rs.100 when you book flight tickets, hotel stays, and car rentals at the dedicated PremierMiles website.
Earn 10 Miles per Rs.100 spent on all airline transactions.
Earn 10 Miles per Rs.100 spent with our online partner merchants – MakeMyTrip.com and Flipkart.com.
Earn 4 Miles for every Rs.100 spent on all other transactions.
Convert every 2 Miles for 1 Frequent Flyer Air Mile.
Other Travel Features –
Complimentary access to participating airport lounges in India.
Air Accident Insurance Cover of up to Rs. 1 Crore