When it comes to choosing a credit card, women have unique needs and preferences. From shopping and dining to travel and entertainment, credit cards offer a host of benefits and rewards that can help women save money and enjoy exclusive privileges. In this article, we have rounded up some of the best credit cards for women in India.
HDFC Solitaire credit card is one of the best credit cards for women who love to shop and dine out. With this card, you can earn 3 reward points for every Rs. 150 spent and 50% more reward points on dining and grocery spends. You also get exclusive discounts on leading fashion and lifestyle brands and a fuel surcharge waiver of up to Rs. 250 per statement cycle.
SBI Simply Click credit card is a great option for women who love to shop online. With this card, you can earn 5X reward points on online spends with exclusive partners like Amazon, BookMyShow, and Cleartrip. You also get a welcome gift of Rs. 500 on your first transaction and an e-voucher worth Rs. 2,000 on annual online spends of Rs. 1 lakh or more.
The Axis Flipkart credit card is ideal for women who shop on Flipkart frequently. It offers 5% cashback on Flipkart spends and 4% cashback on other online and offline spends. Additionally, the card provides milestone rewards, discounts on partner stores, fuel surcharge waivers, and complimentary airport lounge access.
The RBL Shoprite credit card is perfect for women who shop for groceries frequently. It offers up to 5% cashback on grocery spends and 2.5% cashback on all other spends. Additionally, the card provides rewards on fuel spends, discounts on partner stores, and complimentary airport lounge access.
The One Card is an exclusive credit card that is currently being issued by Bank of Baroda. It offers a wide range of rewards, including up to 5% cashback on spends, reward points on every transaction, and discounts on partner stores. Additionally, the card provides features such as mobile banking, and a dedicated rewards app. The One Card is a great choice for women who want an all-round credit card with no fees.
The Citibank Rewards credit card is a popular choice among women who want to earn rewards on their spends. It offers 10 reward points for every Rs. 125 spent on apparel and departmental store purchases, and 1 reward point for every Rs. 125 spent on other categories. Additionally, the card provides access to exclusive deals on dining, fuel surcharge waivers, and airport lounge access.
Note - Although this is one of the best credit cards out there, recently Citibank has transferred its retail business to Axis Bank which will probably be finalized in the first half of 2023. As per Axis bank spokesperson, all the benefits will continue but there are more details awaited on the specifics around this about whether users who already have this card will get a new Axis Bank card.
The American Express SmartEarn Credit Card is designed for people who love to shop, dine, and travel. With this card, you can earn 10X reward points on all your online and offline shopping from Flipkart, Amazon, and Myntra. Not only this, you also get to earn 5X reward points on spending in Paytm Wallet, Swiggy, BookMyShow and more. Additionally, you can earn five reward points for every Rs. 50 spent on dining and movies. You can redeem these reward points for a range of products and services.
The Axis My Zone Credit Card is an excellent option for young women who like to spend on dining, entertainment, and online shopping. With this card, you can earn 4% cashback on all your spending in these categories. Additionally, you can earn 1% cashback on all your other spending. The maximum cashback you can earn in a month is Rs. 250. The joining fee for this card is Rs. 500, and the annual fee is Rs. 500. However, if you spend Rs. 50,000 or more on this card in a year, you can get the annual fee waived off.
The ICICI Platinum Chip Credit Card is an excellent option for women who want a no-frills credit card. Also the important thing is that this card is an absolutely lifetime free credit card. This card comes with a range of benefits, including discounts on dining, shopping, and movies. You can earn 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel. Your points are easily redeemable for attractive products through ICICI Reward points, India's largest multi-partner coalition loyalty programme. Additionally, you can earn two reward points for every Rs. 100 spent on this card on utilities. You can redeem these reward points for a range of products and services.