Ten credit card providers
Before getting a credit, it is imperative to know about the best credit card providers in India. There are several banks which provide credit card in India. Each bank provides various types of credit cards. Doing a thorough research on different credit cards, services provided by the banks to the credit card holders, interest rates will help you get the best credit card experience. Choose the credit card which has excellent reward schemes and make sure there are not any hidden charges. Here we list the top 10 credit card providers.
10. ABN Amro
ABN Amro renamed as The Royal Bank of Scotland in India offers several premium credit cards:
#RBS smart miles Titanium credit card
Earn 2 Smart Miles on all your purchases of Rs.100 spent
You can redeem your smart miles as cash back against travel-related purchases
You can convert your Smart Miles into Air Miles of Kingfisher Airlines, Singapore Airlines and Jet Airways
#RBS Titanium credit card
#RBS platinum credit card
#RBS Go Titanium credit card
9. Kotak Mahindra
Kotak Mahindra has his own arsenal of credit card, some of which includes:
#Kotak Royale signature credit card
#Kotak PVR platinum credit card
#Kotak Delight credit card
# Kotak PVR Gold credit card
The Kotak gold card provides coupons up to Rs. 10000 free. Free movie tickets and other offers are galore.
HSBC bank offers Indian citizens a range of credit cards and choosing from them is a tough decision.
#HSBC visa platinum card
#HSBC premier MasterCard
#HSBC Advance visa platinum card
#HSBC MMT platinum card
The age of the applicant must be 21 years and he should be having a minimum annual income of Rs. 4, 00,000 only an HSBC Advance account holder can have an HSBC Advance Platinum Credit Card. Cash backs and rewards are guaranteed.
7. Axis bank
Axis bank also provides a list of credit cards to choose from to suit your requirement.
#Axis bank signature Vistara credit card
#Axis bank Vistara credit card
#Axis bank neo credit card
#Axis bank my wings credit card
Annual fee for most of the Axis bank credit card varies and they provide cash back or travel and luxury discounts in various sections.
6. American Express
The American express credit card provides you a range of shopping, dining and travel privileges which can be assessed with the help of American express credit cards.
Eligibility for American express credit card includes
1.Be over 18 years of age
2.Have a good credit history and no payment defaults
3.If Self-Employed, your company should have been trading for at least 18 months (12 months if you have existing American Express issued Card).
Some of the cards include:
#American Express Makemytrip credit card
#American Express Gold card
#American Express Payback credit card
#American Express platinum travel credit card
American Express Platinum Travel Card is offering great benefits for frequent travelers (like vouchers from Indigo and Taj). Annual fee for First Year is Rs. 3,500 and from Second year onwards 5,000 Rs. You can have up to 3 Amex cards at a time.
American express Gold card provides 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month.
5. SBI credit card
SBI bank has come up with different range of credit card for its consumers from different section. Some of the credit cards offered by State bank of India include:
#SBI simply save card
#SBI simply click card
#SBI platinum card
# SBI card elite
The SBI Signature Card offers a range of offers from the online shopping portals with good bonus reward points, which is not expected from any other government bank. The Annual fee is Rs. 4,999.
Citibank is a leading credit card provider in India. Citibank provides a variety of credit cards depending on the requirement of customer. Some notable Citibank offerings are:
#Citibank cash back credit card is easy to get approval for and is best for people who shop online. The annual fee is Rs. 500.It provides 5% cash back on movie tickets
5% cash back on telephone bill payments
5% Cashback on Utility Bill Payments
0.5% Cashback on all other spends
#Citibank premier miles card
Citibank cash back credit card
The Citibank Premier Miles card provides access to premium airport lounges across India and the world and also offers deals on airline ticket booking. The Annual fee is Rs. 3,000.
3. Standard chartered bank
Standard chartered bank, a pioneer bank, provides credit card and various banking options for its customers. Standard chartered bank keeps on offering cashbacks and various offers on its credit cards from time to time.
Some of the credit cards offered by standard chartered bank are:
#Super value Titanium card
#Manhattan platinum card
#Platinum reward card
Standard Chartered Manhattan (Good credit card for Salaried people with a spend of 1L to 2L per annum) is a must have card as it provides 5% cashback on credit card expenditure at supermarkets & department stores. You can earn up to Rs. 500 as cashback amount per month and Rs. 150 /transaction.
HDFC Bank, offer a world class variety and benefits along with the credit cards. Some of the categories of Credit cards offered by HDFC Bank Are Featured Credit Cards, Super Premium Credit Cards, Professional Credit Cards, Premium Travel Credit Cards, Premium Women Credit Cards, Premium Credit Cards and HDFC Money Back Card among others.
HDFC money back card is the best credit card for shoppers. It gives 6 reward points per 150 spent on online shopping. HDFC offers only one card per person. The annual fee is 500 but can be waived off. HDFC solitaire credit card is one of the best options for women.
1. ICICI Bank
ICICI provides a wide range of credit cards catering to the various consumers’ requirements. Some of the notable credit cards provided by ICICI are-
#ICICI bank coral credit card
#ICICI bank platinum chip credit card
#Ferrari signature credit card with ICICI bank
It’s not an easy task to get your first credit card in India, however ICICI offers an easy way against a fixed deposit. So if you have a low CIBIL score, ICICI bank platinum chip credit card is the credit card for you. It is the best option for students, housewives and non-salary people. There is no Annual fee. ICICI bank will offer you a credit limit based on the amount you keep in the fixed deposit. You will earn regular interest on your fixed deposit.
We hope you liked this article and found it quite informative. Here we listed top 10 credit card providers in India that will provide its customers credit cards in various range to make their life easy and hassle free and help them in spending and saving their money judiciously.