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What is a Credit Card?

A Credit Card is a facility offered by banks and financial institutions allowing you to make online as well as physical purchases without needing to exchange hard currency.

Credit Cards Offers

Name of the Credit Card

First Year Fee

Rewards

Jet Airways American Express Platinum Credit Card

5,000 + Applicable Taxes

Get 5,000 Bonus JPMiles + complimentary Base Fare Waiver for Jet Airways Domestic Ticket (on every renewal)

American Express Membership Rewards Credit Card

1,000 + Applicable Taxes

Get amazing rewards with new 18 Carat & 24 Carat Gold Collection

American Express Gold Credit Card

1,000 + Applicable Taxes

Enjoy flexible spending benefit with 'no pre-set limit', and adjust your spending automatically as per your financials, spending pattern, account history, and credit record

American Express Platinum Travel Credit Card

3,500 + Applicable Taxes

Spend 4 Lakhs/Yr & get additional Travel Vouchers of up to 11,800 + a Voucher from the Taj Group worth 10,000

SBI SimplySAVE Visa & Master Card

499

Get 10 reward points on every 100 spent on Movies, Dining, Departmental Stores, & Grocery Spends

SBI SimplyCLICK Visa & Master Card

499

Get 10X Reward Points on online spends through exclusive partners

SBI ELITE Visa & Master Card

4,999

Enjoy free movie tickets of 6,000/year

IRCTC SBI Platinum Credit Card

500

Get up to 10% cashback as reward points for railway ticket purchases through IRCTC

SBI Prime Credit Card

2,999

Get up to 10% cashback as reward points for railway ticket purchases through IRCTC

IndianOil Citi Platinum Credit Card

1,000

Get up to 71 ltr of fuel on IOC outlets for free every year

Citibank Rewards Credit Card

1,000

Earn 10 reward points for spending every 125 at apparel & department stores

Citibank PremierMiles Credit Card

3,000

Get 10 Miles for spending every 100 on all airline transactions

Citibank Cash Back Credit Card

500

Get 5% Cashback on all utility bill payments through Citibank Online Bill Pay

Standard Chartered Manhattan Platinum Credit Card

999

Enjoy attractive discounts & offers across travel, shopping, dining, etc. with the Standard Chartered Good Life programme

Standard Chartered Super Value Titanium Credit Card

750

Enjoy 5X rewards for spends at overseas point-of-sales + complimentary Priority Pass for access to over 1,000 airport lounges across the world with 1 free usage every month

Standard Chartered Platinum Rewards Credit Card

250

Earn up to 9X rewards for spending every 200 on Lifestyle, Max, Home Centre and other Landmark stores

Standard Chartered Emirates World Credit Card

3000

Earn 6 Skyward miles on spending every 150 on Emirates and 3 Skyward miles on each 150 spent on every other transaction

What is the Concept of a Credit Card?

There is great emphasis on making digital payments across India. It is also not practical to have a huge wad of currency notes in your pocket every time you go shopping. Credit Cards provide the perfect alternative. It is the easiest way to make payments for your purchases. In addition to the convenience, banks offer reward points on using their Credit Cards. You can redeem these reward points subsequently and buy products of your choice.

 

How do Credit Cards Work?

Credit Cards work on the 'Buy now and Pay later' principle. It is a straightforward process. Every Credit Card comes with a prescribed limit. If the threshold is available at the time of your purchase, the bank approves the payment. The bank raises the bill on the fixed date. You have to make the payment on or before the due date mentioned in the statement.

What are the Benefits of Using a Credit Card?

  1. Credit Cards are the perfect alternative to cash. There is no need of carrying large amounts of money when you have a Credit Card.
  2. You get an interest-free window depending on the date of billing and the due date. The maximum interest-free period is between 52 and 55 days.
  3. Credit cardholders can avail cash advance facility on an urgent basis. Every Credit Card comes with a cash advance limit. Note that this is not an interest-free advance. You have to pay interest on the cash advance portion from day 1.
  4. You can own a Credit Card and enjoy various benefits that come with it such as bonus points, gift vouchers, rewards programs, cashback benefits, and multiple other benefits.
  5. Banks allow credit cardholders to apply for add-on cards for their family members. They can use these cards on an individual basis.
  6. Banks issue unique Credit Cards that allow the cardholders to avail travel benefits like air miles, airport lounge access, airline offers, hotel offers, and travel insurance. These cards are also known as Co-branded Credit Cards.
  7. Some Credit Cards come with lifestyle benefits like dining, shopping, entertainment, and wellness and so forth.
  8. Many banks offer fuel surcharge waivers to their credit cardholders.
  9. Proper usage of the Credit Card can improve your credit history.
  10. Today, you have international Credit Cards that allow you to make payments in foreign currency. You can also withdraw cash in foreign currency when you travel abroad.
  11. There are Credit Cards that come with general insurance coverage. Some cards come with lost card liability or insurance to protect the cardholders from missing cards and forged transactions.

Why Apply for a Credit Card through MyMoneyMantra?

Banks compete aggressively with each other to issue Credit Cards to their customers. As a customer, it is natural to get confused. MyMoneyMantra collects all the information from various banks and displays it on a single screen. It allows you to compare various features of different cards and make the right decision.

MyMoneyMantra can help you:

  1. Choose the best option among the different cards available
  2. Opt for banks that charge lower application and renewal fees
  3. With a quick turnaround time
  4. Understand various features of the Credit Card

MyMoneyMantra has the expertise to guide you through the following:

  1. Personal profile
  2. Repayment history
  3. Understanding the concept of Minimum Amount Due and billing cycle
  4. Understanding how the interest is calculated, if any
  5. Understanding the various penalties

How Can I Apply for a Credit Card through MyMoneyMantra?

Visit MyMoneyMantra and submit the following information:

  1. Indicate whether you are a salaried person or self-employed.
  2. Enter your details like name, city of residence, email address and phone number.
  3. If you are a salaried person, you have to furnish the name of your employer and then submit your annual income.
  4. For self-employed persons, furnishing the annual income is enough.
  5. Submit information about existing Credit Cards.
  6. MyMoneyMantra sends you an OTP. Use it to verify your details. You will be able to access more Credit Card Offers.

Choose your Credit Card provider,and we will help you complete the necessary formalities. We have the experts required to guide you through the entire process.

What is the Eligibility Criteria to Apply for a Credit Card?

  1. Age of the applicant - The minimum age for applying for a credit card is 21 years
  2. Monthly Income - Banks have different criteria as far as monthly income is concerned. However, the minimum monthly income should be around 20,000.
  3. Credit History - A score of 700 and above is considered acceptable for issuance of a Credit Card. Your credit report will show the details of your credit history.

What are the Documents Required to Apply for a Credit Card Online?

Along with the application form, you have to submit the following documents:

KYC Documents

1. Identity Proof (Any one):

  • PAN Card
  • Aadhar Card
  • Passport
  • Driving Licence
  • Voter ID Card

2. Address Proof - (Any one):

  • Registered Rent Agreement or Lease Agreement
  • Aadhar card
  • Passport
  • Ration Card
  • Telephone, Gas, or Electricity bill

Proof of Income

1. Salaried Persons

  • Salary Certificate
  • Recent salary slip
  • Employment letter
  • Form 16 / IT Returns

2. Self-Employed Persons

  • Financial documents like Audited Balance Sheet and Profit & Loss Statement
  • ITR for the preceding year
  • Proof of continuity of business

Note that Banks can always ask for more documents.

What are the Various Features of a Credit Card?

Banks offer exciting features on Credit Cards. It depends on the card provider and the Type of Credit Card you choose. Some of the salient features are as follows:

  1. Global acceptance -Today, almost all cards are international cards. Therefore, they have universal recognition.
  2. Balance Transfer Facility - You can transfer the outstanding balance in your existing Credit Card to the card issued by another bank. Banks charge concessional rate of interest on such balance transfers.
  3. Pay by easy instalments - Many banks offer the instalment payment option to their cardholders. These plans come with attractive interest rates. Specific cards allow you to repay at 0% interest as well.
  4. Pay utility bills with ease - Various utility service providers have this option of registering your card details for the monthly payments. It enables you to pay the bills without any reminders. However, you do get alerts on your registered mobile numbers.
  5. Monthly payment alerts - Banks have facilities whereby they send you SMS alerts about your monthly payment obligations.
  6. Transaction alerts - Today, Credit Card providers send SMS and email alerts for every transaction you do on your card.
  7. E-statement - Every month, you get an e-statement from the bank at the end of the billing cycle.
  8. Lifetime free Credit Cards - Certain banks issue lifetime free Credit Cards. You need not pay any annual fees on such cards.
  9. Insurance Coverage - Some card issuers offer general insurance and life insurance coverage on their cards.
  10. Cash Withdrawal facility - Almost all Credit Cards have a cash withdrawal limit. You can withdraw instant cash up to the limit from any ATM.
  11. Credit Card Bill Payment - You can pay your Credit Card bills online using internet banking.

Fees and other charges

  1. Joining fee - Usually, banks do not charge any joining fee. They provide the card free for the first year. Subsequently, they charge renewal fees annually. Certain banks charge joining fees.
  2. Renewal fees - There is an annual renewal fee on the card after the first year.
  3. Interest - Every card has an interest-free period depending on the billing cycle and the due date for repayment. Usually, it is around 20 days to a maximum of 52 or 55 days. If you make the full payment on or before the due date, there is no interest. However, if you make a part-payment, the balance amount will attract interest. These rates vary from bank to bank. Usually, it is in the range of 3% to 3.5% per month.
  4. Cash withdrawal fee - You have a cash withdrawal limit on your Credit Card. This facility allows you to withdraw cash in an emergency from any compatible ATM. Banks charge a cash withdrawal fee on every withdrawal. This cash advance facility attracts interest from day 1.

Some Facts about Credit Cards

1. Credit Card Numbers

  • Every Credit Card number has 16 digits
  • The first digit on the card represents the system, for example 3 for Travel or Entertainment card, 4 for Visa Card, 5 for MasterCard, and 6 for Discover card.
  • The American Express Card starts with 37 while the Diner's Club card begins with 38
  • Every card has a CVV (Card Verification Value) number written on the reverse side of the card. It is usually a 3-digit number. American Express cards have a 4-digit CVV number embossed on the face of the card. The CVV number is an anti-fraud security feature.
  • Banks issue the PIN (Personal Identification Number) for every Credit Card. You should change the PIN after the first usage. It is a security feature. You will have to enter this number during every card transaction.
  • Nowadays, you have a second layer of security available when you use Credit Cards online. You can set up an individual six-digit PIN to verify your transactions online. Alternatively, you can seek an OTP (One Time Password) number for every purchase you do online. Banks send this OTP to your registered mobile or email id.

2. Reward Programs

  • Reward Points - Every transaction on your Credit Card can earn reward points. You can redeem them subsequently and enjoy attractive offers.
  • Indian Oil Card - This card is beneficial to people who spend a lot on petrol. This card gives you the facility of paying for petrol with reward points.
  • Shopping Cards - This is an ideal card for people who love shopping. You have access to various discounts and offers.
  • Cashback Credit Card - This type of card entitles you to receive cashback offers on specific purchases you make.
  • Airlines Credit Card - Frequent flyers can use this Credit Card to get attractive discounts and redeemable mileage points on individual

3. Credit Card Limits

Every Credit Card has a revolving credit limit. Banks approve these limits based on your eligibility. You cannot use the card for amounts exceeding your limit. The banks review the limits at the time of renewal. Based on the usage and repayment history, banks can enhance or reduce the limit.

4. Minimum Payment Due

It is an essential concept. Credit Cards allow you an interest-free period ranging from 20 days to around 52 to 55 days depending on the billing cycle. Every month the bank submits the bill for payment. You should pay the entire balance to take advantage of the interest-free period in the subsequent billing cycle. However, you can opt to make a part-payment of the bill. Every bill has a minimum payment due (usually 5% of the outstanding amount) amount. You can pay an amount equal to or more than the minimum payment due to enjoy the Credit Card limits. The difference between the bill amount and the payment you make is subject to interest in the range of 3% to 3.5% per month.

Banks Issuing Credit Cards in India

Almost all the banks in India issue Credit Cards. There are certain non-banking institutions like Diners Club that issue Credit Cards as well.

What is an Add-On Credit Card?

The Add-On Credit Card is an additional credit card issued to the immediate family members of the principal applicant. The Add-On cards do not have any separate limits. Family members can use this card independently but within the limits of the primary Credit Card.

What are the banks offering the best Credit Cards?

Banks are very active today in offering Credit Cards with attractive benefits. Let us look at some premier credit cards in the market today.

Name of Card

Jet Airways American Express Platinum Credit Card

Features

  • Book your air tickets using this co-branded Credit Card and get a welcome gift of 10,000 bonus JPMiles
  • Get a one-way complimentary Jet Airways Base Fare waiver on your domestic flight ticket on your first charge
  • Platinum Concierge
  • Zero Lost Card Liability
  • Supplementary Cards
  • Enabled for contact less payments

Benefits

  • Complimentary visits to 12 domestic airports in 10 cities in India
  • Complimentary Elite Treatment from preferred hotels and resorts
  • Get excess baggage waivers on Jet Airways flights

Reward Points

  • 8 JPMiles reward points for every 150 spent on the card except for fuel, insurance, utilities, and cash advance
  • 16 JPMiles reward points for every 150 spent on purchasing air tickets on Jet Airways using this card

Fees

  • First Year - 5,000 plus taxes
  • Second Year - 10,000 plus taxes

 

Name of Card

American Express Membership Rewards Credit Cards

Features

  • Welcome Gift of 4,000 Bonus Membership Rewards Points
  • Flexibility to pay your credit card bill in easy EMIs
  • 24X7 card related assistance
  • Excellent dispute resolution mechanism
  • Zero Lost Card Liability
  • Emergency card replacement
  • Get 2 supplementary membership rewards Credit Cards free of cost
  • Enabled for contact less payments

Benefits

  • 1,000 Bonus membership points for using the Credit Card 4 times monthly for transactions over 1000 every month
  • 5,000 Bonus membership points for renewing the credit card
  • Redeem your reward points from the 18 and 24-carat Gold collection

Reward Points

  • 1 membership rewards point for every 50 spent except on fuel, insurance, utilities, and cash advance

Fees

  • First Year fee - 1,000 plus taxes
  • Second Year onward - 4,500 plus taxes

 

Name of Card

The American Express Gold Card

Features

  • Welcome Gift of 4,000 Bonus membership rewards points
  •  It is a charge card
  • 0% convenience fee on fuel purchased at HPCL outlets
  • 20% off every time you dine at select restaurant partners
  • Dispute resolution mechanism available
  • Zero Card Related Assistance
  • Emergency card replacement
  • 2 supplementary gold cards free of cost
  • Enabled for contact less payment

Benefits

  • 1,000 membership points on completing 6 transactions each of ? 1000 or more on this card
  • 5,000 bonus membership points for your card renewals
  • Redeem your reward points from the 18 and 24-carat Gold collection
  • Enjoy benefits of travel bookings with MakeMyTrip.com

Reward Points

  • 1 membership point for every 50 spent except on fuel, utilities, cash advance, and insurance

Fees

  • First-year - 1,000 plus taxes
  • Second Year onwards - 4,500 plus taxes

 

Name of Card

American Express Platinum Travel Credit Card

Features

  • Welcome gift of 5,000 Milestone Bonus Membership Rewards points
  • Redeem these points for travel vouchers worth 4,000
  • It is a credit card

Benefits

  • Get travel vouchers worth 7,700 for spending 1.90 Lakhs in a year
  • Spend 4 Lakhs annually and get travel vouchers worth 11,800
  • Also get a voucher worth 10,000 from Taj Hotels
  • 4 complimentary visits to 31 airport lounges in Mumbai, Bengaluru, Delhi, and 9 other cities in India
  • Benefits on booking made with MakeMyTrip.com
  • Other benefits like 24X7 card assistance, Fuel convenience waiver, Zero Lost card liability and 20% discount at specific restaurants

Reward Points

  • 1 membership point for every 50 spent except on fuel, insurance, utilities, and cash advance

Fees

  • First Year - 3,500 plus taxes
  • Second Year onward - 5,000 plus taxes

 

Name of Card

Simply Save Visa & Master - SBI Card

Features

  • Accepted at over 24 million outlets all around the world
  • Welcome offer of 100 cashback on first ATM withdrawal within 30 days of issuance of the credit card
  • Empower your family with add-on cards for parents, spouse, children or siblings above 18 years
  • Facility to withdraw from more than 1 million ATMs all over the world
  • Balance transfer facility available on easy EMIs
  • Pay utility bills using the Easy Bill Pay facility

Benefits

  • Flexibility to convert transactions into EMIs using the Flexipay facility (any purchase over 2,500 is eligible for conversion)
  • Freedom for paying 1% fuel surcharge (on transactions above 500 up to 3,000)
  • Spend 90,000 or more and earn reversal of the membership fee from the second year

Reward Points

  • 10 reward points for every 100 you spend on the card on dining, movie tickets, departmental stores, and grocery purchases
  • 1 reward point for every other 100 spent on the card

Fees

  • One time annual fee - 499
  • Renewal annually - 499

 

Name of Card

Simply Click Visa & Master - SBI Card

Features

  • Accepted worldwide at over 24 million outlets all around the globe
  • Add on card facility for near and dear ones
  • ATM withdrawal at over 1 million locations around the world
  • Pay utility bills online
  • Other features like Flexipay, Balance transfer on EMI, and Easy Money (Get DD or cheque delivered at your doorstep against your cash advance limit)

Benefits

  • Apply online and get BookMyShow voucher worth 250
  • Log in and get Amazon gift card worth 500
  • Spend 1 Lakh annually and get a reversal of annual fee of 499
  • Contact less payment facility enabled

Reward Points

  • 10X Reward points on exclusive online shopping partners like Amazon, BookMyShow, Cleartrip, Foodpanda, UrbanClap, and Lenskart
  • 5X rewards on all other purchases
  • Spend 1 Lakh annually and get eVoucher worth 2,000 

Fees

  • One time annual fee - 499
  • Renewal annually - 499

 

Name of Card

Elite Visa & Master - SBI Card

Features

  • 50% off on all golf games at selected golf courses in India
  • Enabling of contactless payments
  • Accepted at over 24 million outlets all over the world
  • 1% Fuel surcharge waiver on all transactions between 500 and 4000 at all petrol pumps
  • Fraud liability cover up to L lakh
  • Emergency card replacement anywhere in the world
  • Add on card facility to near and dear ones
  • Easy Bill Pay facility and Flexipay
  • Balance Transfer on EMI available
  • Easy money facility - Get DD delivered at doorstep

Benefits

  • Welcome e-Gift voucher worth 5,000
  • Complimentary movie tickets worth 6,000 every year (Maximum discount is 250 per ticket for a maximum of 2 tickets per month)
  • Complimentary membership to Priority Pass program
  • 6 complimentary visits per year to international airport lounges (Maximum 2 visits per quarter)
  • 2 complimentary domestic airport lounges per quarter
  • Club Vistara Silver membership
  • Trident Privilege Membership
  • The lowest Foreign currency markup charge of 1.99% and 2 reward points for every 100 spent
  • Concierge service

Reward Points

  • 50,000 bonus reward points worth 12,500 per year
  • 10,000 bonus reward points on spending 3 Lakhs and 4 Lakhs
  • 5X reward points on expenditure on dining, departmental and grocery stores
  • 2X reward points per 100 spent otherwise

Fees

  • One time annual fee - 4,999
  • Annual renewal fee - 4,999

 

Name of Card

IRCTC SBI Platinum Card

Features

  • Attractive offers from Visa like discounts on travel, golf, and dining
  • Withdraw cash from more than 1 million ATMs worldwide
  • Use at over 29 million Visa outlets around the globe
  • Add on cards available for family members
  • Easy Bill Pay, Flexipay, Balance Transfer facility
  • Get train tickets delivered at doorstep

Benefits

  • Welcome gift of 350 activation bonus reward points if you spend 500 or more within 45 days
  • 100 cashback on first ATM transaction
  • Save 1.8% transaction charges on IRCTC train bookings
  • Fuel surcharge waiver on transactions between 500 and 3000

Reward Points

  • 10% value back as reward points on spending through IRCTC for AC class train reservations

Fees

  • One time annual fee - 500
  • Renewal fee - 300 annually

 

Name of Card

SBI Card Prime

Features

  • Global acceptance at over 24 million outlets
  • Enabled for contactless payments
  • Air accident liability cover 50 Lakhs
  • Complimentary credit card fraud liability cover of 1 Lakh
  • Emergency card replacement, add-on cards, Bill Pay facility, Flexipay, and Balance transfer on EMI

Benefits

  • Welcome gift voucher worth 3,000 from select brands
  • Spend 50,000 annually and get Pizza Hut eVoucher worth 1,000
  • Renewal fee waiver on spending 3 Lakhs annually
  • Earn e-voucher worth 7,000 on expenditures 5 Lakhs annually
  • Other club membership like Trident Privilege, Club Vistara, Lounge access, and MasterCard/Visa privileges

Reward Points

  • 20 reward points per 100 spent on your birthday
  • 20 reward points per 100 spent on utility bill payment
  • 15 reward points per 100 spent at select retail locations
  • 10 reward points per 100 on dining, departmental and grocery stores, and movie tickets

Fees

  • Annual fee - 2,999 one time
  • Renewal fee - 2,999 annually

 

Name of Card

SCB Manhattan Platinum

Features

  • Enabled for contactless payments
  • Enhanced security for online transactions
  • A wide range of digital payment solutions
  • Online and Mobile banking facility
  • Facility to convert purchases over 5,000 into easy EMIs
  • Loan available up to 5,00,000
  • Balance on EMI and Balance transfer facility available

Benefits

  • 5% cashback on every 150 spent at supermarkets up to maximum 500 per month
  • Discounts on shopping, travel, and dining

Reward Points

  • 3X rewards points on all other purchases

Fees

  • First-year - 999
  • From the second year - 999
  • APR 41.88% (3.49% per month)
  • Late payment charges ranging from 100 to 800
  • Cash advance charge 3% with a minimum of 300

 

Name of Card

Indian Oil Platinum Credit Card - Citibank Card

Features

  • 250 worth activation benefits if done before 30.06.2018

Benefits

  • 4 Turbo points on 150 spent on fuel at Indian Oil outlets
  • 2 Turbo points on 150 spent on supermarkets and grocery items
  • 1 Turbo point on 150 spent on all other purchases
  • Annual fee waived if you spend 30,000 annually

Reward Points

  • Redeem turbo points for free fuel. 1 Turbo point gets you 1 of free fuel
  • Redemption available at select outlets and gift vouchers across major brands

Fees

  • Annual fee of 1,000

 

Name of Card

Citi Rewards Credit Card

Features

  • 2,500 free reward points on activating the card

Benefits

  • Get bonus 3,000 points if you spend more than 30,000 per month
  • Waiver of annual fee on spending 30,000 per annum
  • Redeem rewards point for fuel, in-store shopping, and online shopping

Reward Points

  • 10 reward points for every 125 you spend at department and apparel stores
  • 1 reward point on every 125 spent on other purchases
  • Redeem reward points at select outlets

Fees

  • Annual fee of 1,000
  • APR - 39%

 

Name of Card

Citi Premier Miles Credit Card

Features

  • Evergreen miles that never expire
  • Relaxing facility available at various airport lounges
  • Transfer air miles to hotel and airline partners

Benefits

  • Members of Frequent Flyer Programs get additional benefits
  • 1 Frequent Flyer (FF) air mile for every 2 miles you fly on select airlines
  • 15% savings on dining
  • EMI options on online travel booking
  • Instant loan on credit card
  • Easy repayment options

Reward Points

  • 10,000 Miles with your first spend of 1,000 or more within 60 days of issuance
  • 3,000 miles on renewing your card
  • Earn accelerated 10 miles per 100 spent on your credit card on airline and hotel bookings
  • 4 miles per 100 spent on other transactions

Fees

  • Annual fee of 3,000
  • APR in the range of 37.2% to 42%

 

Name of Card

Citi Cashback Credit Card

Features

  • Contactless payments enabled
  • 15% savings across participating restaurants
  • Easy EMI options on specific purchases

Benefits

  • Tap and make your payments up to 2,000 without entering your PIN
  • Instant loan available over the phone
  • EMI and Balance transfer facility available

Reward Points

  • 5% cashback on movie tickets and telephone bill payments
  • 5% cash back on other utility bill payments
  •  0.5% cashback on all other spends

Fees

  • Annual fee of 500


To apply online for Credit Cards, Secured Loans and Unsecured Loans, visit www.mymoneymantra.com, the leading online lending marketplace that offers financial products from 70+ Banks and NBFCs. We have served 2 million+ happy customers since 1989. 

Talk to our Loan Specialists toll-free at 1800 103 4004 to know more about our products and offers. 

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