Top 10 Credit Cards in India

Top 10 credit cards in India serves every need of a customer – right from shopping, air travel, entertainment, dining, fuel waiver, airport lounges, priority pass, EMI, retail stores, and more. It is important that you compare these credit cards and choose the most suitable one for your requirements. Every credit card has different features and benefits that may be a priority for one and not for the other. Here is a list of the top 10 credit cards that you can lookout for and uplift your lifestyle.

  1. Indian Oil Citi Platinum Card
  2. Standard Chartered SuperValue Titanium Card
  3. Yatra SBI Credit Card
  4. Axis Bank Neo Credit Card
  5. CITI Cashback Card
  6. Jet Airways American Express Platinum Credit Card
  7. HSBC Visa Platinum Credit Card
  8. HDFC Bank Diners Club Black Card
  9. IndusInd Bank Platinum Card
  10. Kotak PVR Gold Credit Card

In this post, we will discuss about the reward points, earnings, discounts, interest rates, offers, discounts, cashbacks, and other features of each of the mentioned credit cards.

1) Indian Oil Citi Platinum Card

  • An annual fee waiver (up to 6 1,000) on at least Rs. 30,000 spent each year.
  • Get up to 71 litres of fuel free per annum.
  • 4 turbo points on every spend of Rs. 150 on fuel at Indian Oil outlets throughout the country. Additional 4 points on partner stores too. This provides you a benefit of 2.67% savings on the purchase of fuel.
  • Turbo Points are capped at 267 against Rs.10,000 per transaction.
  • You will not earn Turbo Points on transactions over Rs.10,000.
  • Redeem Turbo Points on gift vouchers from different brands and free fuel.
  • Waive fuel surcharge on Indian Oil outlets.
  • Contactless payment without entering PIN for transaction up to Rs. 2,000 in India at terminals that accept contactless cards.
  • 2 turbo points on every spend of Rs. 150 in supermarket and grocery stores.
  • 1 turbo point on all spends of Rs. 150 on all other consumptions not mentioned.
  • These turbo points can be redeemed the India Oil outlets. 1 turbo is equivalent to Re. 1. These points can also be used at merchant outlets synced with the Indian oil.
  • Enjoy dining privileges at partnered restaurants.
  • Dial 1800 114 999 and get access to Citi's concierge service.
  • Earn 2 Turbo Points on spending Rs. 150 each at groceries and supermarkets.
  • Fantastic dining and shopping offer as well as personal concierge services.
  • Turbo Points earned on daily spends. It is capped at Rs.5,000 per month. Get maximum 67 points per month on your daily spends.

Fees and Charges of IndianOil Citi Platinum Card

Fees and Charges Details
Joining Fee As decided by the bank
Annual Fee Rs.1,000 (will be waived on annual expenditure of Rs.30,000)
Card Reissuance Rs.100
Statement Balance over 3 months Rs.100
Fee for Cash withdrawal 2.5% of the withdrawn amount for ATMs in India (minimum of Rs.500). It is $7.50 at overseas ATMs
Charges for Late Payment If the statement balance is
  • Up to Rs.1,000: No fee
  • More than Rs.1,000 and up to Rs.5,000: Rs.450
  • More than Rs.5,000 and up to Rs.10,000: Rs.700
  • More than Rs.10,000: Rs.950

2) Standard Chartered SuperValue Titanium Card

This is a perfect option if you look forward to saving money on fuel and telephone bills. Major benefits of this credit card are:

  • 5% cashback up to Rs. 750 per month, cashback on fuel purchases at any petrol pump in India.
  • Maximum fuel cashback per month is Rs. 200 and up to Rs. 100 per transaction.
  • 1% reversal of fuel surcharge on the petrol pumps.
  • 5% cashback on water, electricity, gas and telephone bills paid through the card.
  • 1 reward point on every Rs. 150 paid other than that for telecom, utility, and fuel.
  • For purchases over Rs. 5,000, convert the payment into EMIs for easy pay through monthly instalments.
  • You can convert the outstanding balance of up to Rs. 5 lacs into EMIs without payment of any processing fee.
  • Get easily loan up to Rs. 5 lacs on tenure 12 months to 60 months.
  • 5% cashback on payment of telephone bill. The maximum cashback per month is Rs. 200 and up to Rs. 100 per transaction.
  • 5% cashback for utility bill payment. Get up to Rs. 100 as cashback per month.
  • Visit the Grofers app or website on Thursdays and get instant discount of Rs. 200 on purchase. The minimum transaction value for this should be Rs. 1,500.
  • Get discounts on Samsung phone, Ola rides, Goibibo, Inox, and a lot more.

Fees and Charges for Standard Chartered Super Value Titanium Credit Card

Fees and Charges Details
Joining fee Rs.750 (No fee for premium clients)
Annual Fee Rs.750 (2nd year onwards, but no fee for premium clients)
Interest rate 3.49% per month
Fee for Cash withdrawal 3% of the amount withdrawn or Rs.300 (whichever is higher)
Fee for Rewards redemption Rs.99
Charges for Late payment If the statement balance is:
  • Less than or up to Rs.100: No fee
  • Rs.101 to Rs.500: Rs.100
  • Rs.501 to Rs.5,000: Rs.500
  • Rs.5,001 to Rs.15,000: Rs.700
  • Above Rs.15,000: Rs.800
Fee for Cash processing Rs.299
Charges for Over limit 2.5% of the over-limit amount (minimum Rs.500)
Fee for Foreign currency transaction 3.5%
Fee for Cash/Cheque pickup Rs.100 for overdue card accounts

3) Yatra SBI Credit Card

Yatra, the popular online travel website and The State Bank of India (SBI) and Yatra have partnered to get their customers best offers on travels through credit card payments. Other than domestic and international trips, there are many more offers to avail through card such as:

  • Get vouchers of Rs 8,250 from Yatra as a welcome gift. Using this voucher within 30 days of availing gets you Rs 100 worth cash back.
  • Get annual fee waiver on spending at least Rs 90,000.
  • 1 Reward Point is equal to 0.25
  • The redemption minimum limit is is 1,000 Reward Point
  • Get 6x reward points when using the card on bookings at Yatra, departmental and grocery stores.
  • Get 1 point of every spend of Rs 100 at any retail store.
  • These points can be redeemed for the Yatra vouchers.
  • Spending Rs 30,000 on bookings at Yatra fetches a Rs 500 voucher gift.
  • Easy access to airport lounges in India.
  • Pay EMIs for transactions of Rs.2,500 or above.
  • 1% fuel surcharge waiver or up to Rs. 100 monthly on spending amidst Rs 500 to Rs 3,000.
  • 6 reward points per Rs. 100 spent on dining, movies, grocery, and international spends
  • Get Rs. 1,000 off on domestic flight bookings
  • Complimentary 50 lacs as air-accident death cover
  • Earn up to 20% off on domestic hotel bookings
  • Receive Rs. 4,000 off on international flight bookings
  • Joining benefits include 2 vouchers of Rs.500 and Rs. 1000 each for a domestic flight and international flight, respectively.
  • Rs. 1,500 and Rs. 3,000 vouchers for Domestic Holiday Package and International Holiday Package, respectively.
  • Rs. 750 vouchers on booking hotels.

Fees and Charges for Yatra SBI Card

Fees and Charges Details
Annual fee Rs.499
Renewal fee Rs.499 (2nd year onward)
Add-on fee None
Interest rate 3.35% per month
Charges for Cash Advance 3.35% per month
Fee for Cash payment Rs.100
Cheque fee Rs.100 (for payments up to Rs.10,000)
Payment Dishonour Fee 2% of the transaction amount
Retrieval of Statement Rs.100 per statement
Charges for Over-limit 2.5% for a minimum amount of Rs.500
Card Replacement Charges Rs.100
Foreign Currency Transaction 3.5% of the transaction amount
Fee for Rewards redemption Rs.99
Late Payment Charges
  • No fee for Rs.0 to Rs.200
  • Rs.100 for Rs.201 to Rs.500
  • Rs.400 for Rs.501 to Rs.1,000
  • Rs.600 for Rs.1,001 to Rs.10,000
  • Rs.800 for Rs.10,001 to Rs.25,000
  • Rs.950 for more than Rs.25,000

4) Axis Bank Neo Credit Card

Axis Bank Neo Credit Card is great choice for online shoppers. The annual fee is only Rs. 250. But, you can still avail up to 10% discount and cashback offers across different partner websites. It provides benefits on popular online shopping websites such as Myntra and Amazon. Individuals between 18 years and 70 years can get this credit card. Here are some of the features of Axis Bank Neo Credit Card:

  • Get 2 eDGE Loyalty points on spending every Rs 200 through the card.
  • Get 10% cashback on online shopping, movie tickets and mobile recharge.
  • Vouchers of Rs 300 from Bookmyshow.
  • Easy conversion of transactions over Rs 2500 into EMIs.
  • Rs 500 worth vouchers from Jabong.
  • You can make high-ticket purchases through EMIs
  • 10% discount on each purchase of over Rs 500 on Myntra. Code: AXNIOMYNT.
  • Enjoy discount of up to Rs. 200 at Myntra on spending at least Rs. 2,200.
  • Amazon gift voucher of Rs. 250 on first spend in 30 days of the credit card issuance.
  • Card protection through the EMV certified chip.
  • Get 15% off on dining at Axis Bank’s partner restaurants.
  • No lost card liability
  • No annual fee in the first year.
  • Get 10% cashback on mobile recharge done on the Freecharge App. The discount limit is up to Rs. 30 in a month.
  • Get 10% discount on BookMyShow (Rs. 50 per month), Myntra (minimum transaction of Rs. 500), and Akbar Travels (on booking worth Rs. 5,000 or more).

Fees and Charges for Axis Bank Neo Credit Card

The fees and charges associated with the card:

Fees and Charges Amount
Annual or Joining Fee Rs. 250
Fee for Cash Advance 2.5%, Minimum Rs. 250
Charges for Late Payment For Statement Balance
  • Less Than Rs. 100: No charges
  • Rs. 101 to Rs. 300: Rs. 100
  • Rs. 301 to Rs. 1,000: Rs. 300
  • Rs. 1,001 to Rs. 5,000: Rs. 500
  • Rs. 5,001 to Rs. 20,000: Rs. 600
  • Rs. 20,001 and more: Rs. 700
Fee for Additional Card No fee
Revolving Credit Charges 46.78% p.a. or 3.25% per month
Charges on Over limit Account 3%, Minimum Rs. 500
Fee for Cash Payment Rs. 100
Fee for Railway Ticket Cancellation/Purchase As defined by IRCTC
Credit Card Reissue No charges
Foreign Currency Transaction 3.5%
Fee for Outstation Cheque Fee No fee
Charges for Balance Enquiry No charges

5) CITI Cashback Card

The CITI Cashback Credit Card offers ‘earn when you spend’ option. The users can earn amazing cashback on their spends through credit card. Major benefits of this card are:

  • Get benefit up to Rs. 3,300 and more for the first year.
  • Make up to Rs 2000 contactless payments. This won't even require any PIN. Just tap the card on the contactless terminal to pay.
  • Earn 5% cashback on telephone bills and movie tickets.
  • Earn 5% cashback on utility bills if paid through online Citibank bill pay.
  • Get cashback credited automatically on accumulation of at least Rs. 500.
  • 15% discount on dining bill at 2,000 partner restaurants.
  • Further, get 0.5% cashback on any other spends.
  • Get shopping benefits and exclusive dining.
  • Offers and savings on shopping at more than 100+ stores.
  • EMI options are available on over 2000 mobile phones, retail and electronics outlets.
  • No expiration for the unredeemed cashback.

Fees and Charges for Citi Cashback Card

Here are the associated fees and charges:

Fees and Charges Details
Joining and Annual Fee As per the bank’s norms and regulations
Fee for Cash Withdrawal 2.5% of the withdrawn amount, minimum withdrawal amount Rs.500
Fee for Rewards Redemption No fee
Charges for Statement Balance
  • Up to Rs.1,000: No fee
  • More than Rs.1,000 and up to Rs.5,000: Rs.450
  • More than Rs.5,000 and up to Rs.10,000: Rs.700
  • More than Rs.10,000: Rs.950
Fee for Over credit limit 2.5% on exceeding the amount of credit limit, minimum Rs.500
Fee for Cheque return/bounce Rs.500 per returned cheque
Fee for Statement request Rs.100 (above 3 months)
Card Reissuance Rs. 100
Fee for Cash payment Rs.250 per deposit
Charges for Cash payment at ATMs Rs.100 per deposit
Surcharge on Railway ticket booking 1.8% of the transaction value

6) Jet Airways American Express Platinum Credit Card

This card shall surely get you the best travel experiences. The American Express partnered with Jet Airways gets you the best offers and rewards. Additional benefits on availing this card are:

  • 10,000 bonus JP Miles along with 1-way Jet Airways domestic flight ticket with the waived base fare as a welcome present after the first transaction. The same will be credited in 60 working days for the said condition.
  • 5000 Bonus InterMiles to be credited post 90 working days of paying the annual fee or annual card renewal date.
  • Get 8 JP Miles on every spend of Rs 150. The same is however not applicable on utility, insurance, fuel and cash transactions.
  • 10% discount on Base Fare for purchase of Etihad Airways.
  • On www.InterMiles.com, get one time 40% ‘Miles Back’ on a return International return ticket booked under ‘Flexi Award’.
  • One-time Rs. 1000 and Rs. 750 Flight Discount Voucher on renewal or enrolment respectively on a return flight booked on www.InterMiles.com.
  • Get complimentary InterMiles Gold Tier Match.
  • Complimentary membership to Priority Pass, with waiver of fee US$99 annual membership.
  • Access to airport lounges in 11 cities of India.
  • Get free Visa and Platinum assistance.
  • 3% cashback on fuel purchases in India.
  • Up to 20% discount on American Express SELECTS™ Dining Programme.
  • Free iPrefer Elite Tier membership on hotels and resorts
  • 24/7 access to the platinum concierge service.
  • Get 16 JP Miles on spending Rs 150 on booking tickets through the Jet Airways website.
  • Get up to 20 JP Miles on spending Rs 100 at the EXTRA JP miles program.
  • Get up to 2 Supplementary Cards at no extra cost.
  • Finally, enjoy zero lost card liability.

Fees and Charges for Jet Airways American Express Platinum Credit Card

Here are details of associated fees and charges:

First Year Fees Details
Joining and Annual Fee
  • First Year Fees of Rs. 5,000 + plus applicable taxes.
  • Get waiver of First Year Fees until maintaining the Jet Privilege Platinum tier.
Second Year Fees
  • Annual Renewal Fees of Rs. 10,000 + plus applicable taxes.
  • Get waiver of Renewal Year Fees until maintaining the Jet Privilege Platinum tier.

7) HSBC Visa Platinum Credit Card

The HSBC bank offers the visa platinum card with endless offers and rewards for its users. The cardholders get:

  • 10% cashback on all the spends in the initial 90 days. However, the person should make at least three transactions of Rs 10,000 or more. One can get cashback of Rs 3000.
  • 3x rewards on dining, hotel, telecom payments in the first 12 months.
  • 2 points on each spend of Rs 150 with the card.
  • Extra points on extra selected partners.
  • 5x reward points on spending at least Rs 4,00,000 in a year on a successful transaction. Eearn up to Rs. 15,000 accelerated reward points foe a year this way.
  • Get up to 6 complimentary airport lounge meals or visits at airport restaurants on the initial transaction.
  • Enjoy better benefits on travel with Singapore Airlines through Air Miles conversion.
  • Movie BookMyShow vouchers worth Rs 500 on spending a minimum of Rs 50,000. Vouchers of Rs. 3,000 is available per year for the cardholder.
  • Rs. 250 Swiggy voucher is available on first transaction in 60 days of card activation.
  • Fuel surcharge waiver on paying for fuel through card
  • Discount on dining available under the HSBC Dining privileges.
  • Zero liability for lost card. Service for emergency card replacement is also available.

Fees and Charges for HSBC Visa Platinum Credit Card

Here are the associated fees and charges:

Fees and Charges Details
Annual Fee and Add-on Fee No fees
Interest-Free Credit Period Up to 52 days
Charges for Finance 3.3% p.m. (39.6% p.a.) calculated from the transaction date
Request for Duplicate Statement Rs. 100 per statement (over 3 months)
Foreign Currency Transaction 3.50% of the amount
Fee for Over Limit Rs. 500 per month
Minimum Payment Due (MPD) on extended credit usage
  • Minimum Rs. 100
  • 5% of the total due payment to the statement + greater of over limit due or past due (if any)
Charges for Late Payment
  • Rs. 400 for Due Amount Up to Rs. 500
  • Rs. 500 for Rs. 500 and Rs. 1,000
  • Rs. 500 for Rs. 500 and Rs. 1,000
Fee on Cash Advance Transaction
  • Minimum Rs. 300
  • 2.5% of the transaction value

8) HDFC Bank Diners Club Black Card

This is a popular premium card best known for its protection, travel benefits, golf benefits lifestyle benefits, etc. though the card does not offer reward points on shopping, the major benefits of HDFC Bank diner club black card are:

  • Get 2x reward points on domestic and international air ticket as well as on hotel bookings.
  • Get complimentary annual memberships from Amazon Prime, Club Marriott, Forbes, etc. after the first transaction.
  • Get points for booking air tickets, hotels and Airmiles. Book tickers across 150 airlines and hotels for these benefits.
  • 1 reward point is equal to Rs. 1.
  • Receive two monthly vouchers from BookMyShow or TataCLio or Ola Select Membershi. The voucher is Rs.500 per month on spending at least Rs. 80,000.
  • Easy access to more than 25 airport lounges all over India as well as over 650 lounges abroad.
  • 24/7 concierge service to reserve golf course, dining, renting cards and golf deliveries. It also includes business related services, hotel reservations and courier service.
  • Get 5 points on spending every Rs 150 at the retail merchant stores.
  • Get 10 reward point on each Rs 150 spent on HDFC bank diners club site.
  • Get free golf games and lessons in India as well as abroad.
  • Get a Rs 2 crore worth air accident cover.
  • Get up to Rs 50 lakh on emergency medical expenses cover and 9 lakh credit liability cover
  • Get Rs 55,000 travel insurance cover on loss or delay of baggage.
  • Redeem reward points on Singapore Airlines (KrisFlyer Miles), British Executive Club (Avios), Jet Airways (JPMiles), and Club Vistara.
  • Get unlimited access to 800+ airport lounges across the globe.
  • Wellness benefits for salon and spa include that from Tattva Spa, O2 Spa, Four Fountains De-Stress Spa, Jean Claude Biguine, VLCC, and Enrich Salons & Academy.
  • Discounts are available on resorts such as Neemrana Fort Palace Rajasthan, NaturOville Vedic Retreat Rishikesh, Tree of Life, Red Earth Kabini, Tijara Fort Palace Rajasthan, Kairali, and Shreyas Retreat Bangalore.
  • Discounts are available on fitness centres such as Anytime Fitness, Cult.fit, Krus Gethin, and Golds Gym.
  • Discounts are available on DocsApp for doctor consultation online.
  • Get discounts on Gympik, Grow Fit, Calorie Care and Healthie.
  • Get 24 x 7 concierge services for business, flower and gift delivery, golf course referral, courier assistance, referral and hotel reservation.

Fees and Charges for HDFC Bank Diners Club Black Card

Here are the associated fees and charges:

Fees and Charges Details
Joining fee Rs.10,000
Renewal fee Rs.5,000
Interest rate 1.99% per month
Fee for cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
Fee for Rewards redemption No fee
Charges for Add-on cards No fee
Fee for foreign currency mark-up fee 1.99%
Charges for Late Payment
  • Less than Rs.100: No fee
  • Rs.100 to Rs.500: Rs.100
  • Rs.501 to Rs.5,000: Rs.500
  • Rs.5,001 to Rs.10,000: Rs.600
  • Rs.10,001 and 25,000: Rs.8000
  • Above Rs.25,000: Rs.950
Charges for Over Limit 2.5% of the over the limit amount (Min. of Rs.500)
Fee for Cash Processing Rs.100 per transaction
Charges for Payment Return 2% of the payment amount (Minimum of Rs.450)
Charges for Card Reissuance Rs.100 per instance

9) IndusInd Bank Platinum Card

This is an ideal choice for people living a posh life. It offers numerous lifestyle offers and benefits. Major benefits are as follows:

  • Get Accor Plus Program membership. This lets the card holders enjoy up to 15% off on drink all over Asia as well as 50% off on dining across Asia Pacific.
  • Moreover, avail heavy discounts on hotel bookings, free night stays, and silver membership status at the Le Club Accor hotels.
  • Get 1.5 points on spending Rs 150 through card.
  • Get discounts on numerous travel and shopping brands such as Satya Paul, Woodland, Jet Airways, UCB, etc.
  • Free golf lessons and games at golf courses in the country. Complimentary golf lessons and games for leading golf clubs in Chennai, Hyderabad, Ahmedabad, Delhi, Pune, Mumbai, and Bengaluru.
  • Get discounts on movie tickets when using BookMyShow
  • Get complimentary priority pass and access to airport lounges in India and abroad.
  • Get amazing benefits in the Travel Plus Program. Get access to over 600 airport lounges across the globe.
  • Free personal air accident covers worth Rs.25 lacs.
  • Get travel insurance cover and 24/7 concierge services. The Total Protect feature also protects the user from fraudulent transactions.
  • Free accident air cover of up to Rs 25 lakh.
  • 1% waiver on fuel surcharge at all petrol pumps in India on transactions between Rs. 400 and Rs. 4,000.
  • Get 24/7 auto assist facility in case of an emergency.
  • 24X7 on-road services such as emergency fuel supply, flat tire service, roadside repair service, battery service, etc. through one phone call.
  • Zero liability on lost or stolen card.

Fees and Charges of IndusInd Bank Platinum Credit Card

Fees and Charges Details
Joining fee No fee
Annual fee No fee
Interest charge 3.83% per month
Charges for cash withdrawal 2.5% of the amount withdrawn or Rs.300, whichever is higher
Fee for add-on credit card No fee
Charges for Late Payment
  • For outstanding balance up to Rs.100: No fee
  • For Rs.101 to Rs.500L Rs.100
  • For Rs.501 to Rs.Rs.1,000: Rs.350
  • For Rs.1,001 to Rs.10,000: Rs.550
  • More than Rs.10,000: Rs.700
Charges for Over Limit 2.5% of the over limit amount subject to a minimum of Rs.500
Cheque bounce or return Rs.250 per instance
Foreign currency mark-up fee 3.5%
Fee for cash payment Rs.100
Card reissuance Rs.100
Charges for duplicate statement request Rs.100 per statement (over the recent 3 months)

10) Kotak PVR Gold Credit Card

Movie buffs get another great option to think upon. Kotak Mahindra Bank partnered with PVR Cinemas offers:

  • One free PVR ticket on spending at least Rs 10,000 per billing cycle. Get two free tickets on spending at least Rs 15,000 per billing cycle. The card holders can make any type of spends to avail these free tickets.
  • PVR Shield provides complimentary lost card liability insurance cover. The liability cover is up to Rs. 50,000.
  • Get Rs 75,000 worth insurance cover for lost or stolen card
  • Get add-on cards for family members.

Fees and Charges for Kotak PVR Gold Credit Card

Here are the associated fees and charges:

Fees and Charges Details
Joining Fees Rs. 499
Annual fee No fee
Fees for Add-on card Rs. 299
Finance Charges 42% per annum or 3.50% per month
Call a draft/ Cash Advance/ATM Cash Withdrawal/Fund Transfer per Rs. 10,000 Rs. 300
Charges for Over Limit Rs. 500
Charges for Late Payment
  • Rs. 100 for up to Rs. 500.
  • Rs. 500 for between Rs. 500.01 and Rs. 10,000
  • Rs. 700 for over Rs. 10,000
Charges for Cheque Bounce Rs. 500
Foreign Currency Mark Up 3.5% of the amount
Fee for Cash payment Rs. 100
Fee for Card Replacement Fee Rs. 100
CIBIL – Credit Information Report Rs. 50

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Top 10 Credit Cards in India

Top 10 credit cards in India serves every need of a customer – right from shopping, air travel, entertainment, dining, fuel waiver, airport lounges, priority pass, EMI, retail stores, and more. It is important that you compare these credit cards and choose the most suitable one for your requirements. Every credit card has different features and benefits that may be a priority for one and not for the other. Here is a list of the top 10 credit cards that you can lookout for and uplift your lifestyle.

  1. Indian Oil Citi Platinum Card
  2. Standard Chartered SuperValue Titanium Card
  3. Yatra SBI Credit Card
  4. Axis Bank Neo Credit Card
  5. CITI Cashback Card
  6. Jet Airways American Express Platinum Credit Card
  7. HSBC Visa Platinum Credit Card
  8. HDFC Bank Diners Club Black Card
  9. IndusInd Bank Platinum Card
  10. Kotak PVR Gold Credit Card

In this post, we will discuss about the reward points, earnings, discounts, interest rates, offers, discounts, cashbacks, and other features of each of the mentioned credit cards.

1) Indian Oil Citi Platinum Card

  • An annual fee waiver (up to 6 1,000) on at least Rs. 30,000 spent each year.
  • Get up to 71 litres of fuel free per annum.
  • 4 turbo points on every spend of Rs. 150 on fuel at Indian Oil outlets throughout the country. Additional 4 points on partner stores too. This provides you a benefit of 2.67% savings on the purchase of fuel.
  • Turbo Points are capped at 267 against Rs.10,000 per transaction.
  • You will not earn Turbo Points on transactions over Rs.10,000.
  • Redeem Turbo Points on gift vouchers from different brands and free fuel.
  • Waive fuel surcharge on Indian Oil outlets.
  • Contactless payment without entering PIN for transaction up to Rs. 2,000 in India at terminals that accept contactless cards.
  • 2 turbo points on every spend of Rs. 150 in supermarket and grocery stores.
  • 1 turbo point on all spends of Rs. 150 on all other consumptions not mentioned.
  • These turbo points can be redeemed the India Oil outlets. 1 turbo is equivalent to Re. 1. These points can also be used at merchant outlets synced with the Indian oil.
  • Enjoy dining privileges at partnered restaurants.
  • Dial 1800 114 999 and get access to Citi's concierge service.
  • Earn 2 Turbo Points on spending Rs. 150 each at groceries and supermarkets.
  • Fantastic dining and shopping offer as well as personal concierge services.
  • Turbo Points earned on daily spends. It is capped at Rs.5,000 per month. Get maximum 67 points per month on your daily spends.

Fees and Charges of IndianOil Citi Platinum Card

Fees and Charges Details
Joining Fee As decided by the bank
Annual Fee Rs.1,000 (will be waived on annual expenditure of Rs.30,000)
Card Reissuance Rs.100
Statement Balance over 3 months Rs.100
Fee for Cash withdrawal 2.5% of the withdrawn amount for ATMs in India (minimum of Rs.500). It is $7.50 at overseas ATMs
Charges for Late Payment If the statement balance is
  • Up to Rs.1,000: No fee
  • More than Rs.1,000 and up to Rs.5,000: Rs.450
  • More than Rs.5,000 and up to Rs.10,000: Rs.700
  • More than Rs.10,000: Rs.950

2) Standard Chartered SuperValue Titanium Card

This is a perfect option if you look forward to saving money on fuel and telephone bills. Major benefits of this credit card are:

  • 5% cashback up to Rs. 750 per month, cashback on fuel purchases at any petrol pump in India.
  • Maximum fuel cashback per month is Rs. 200 and up to Rs. 100 per transaction.
  • 1% reversal of fuel surcharge on the petrol pumps.
  • 5% cashback on water, electricity, gas and telephone bills paid through the card.
  • 1 reward point on every Rs. 150 paid other than that for telecom, utility, and fuel.
  • For purchases over Rs. 5,000, convert the payment into EMIs for easy pay through monthly instalments.
  • You can convert the outstanding balance of up to Rs. 5 lacs into EMIs without payment of any processing fee.
  • Get easily loan up to Rs. 5 lacs on tenure 12 months to 60 months.
  • 5% cashback on payment of telephone bill. The maximum cashback per month is Rs. 200 and up to Rs. 100 per transaction.
  • 5% cashback for utility bill payment. Get up to Rs. 100 as cashback per month.
  • Visit the Grofers app or website on Thursdays and get instant discount of Rs. 200 on purchase. The minimum transaction value for this should be Rs. 1,500.
  • Get discounts on Samsung phone, Ola rides, Goibibo, Inox, and a lot more.

Fees and Charges for Standard Chartered Super Value Titanium Credit Card

Fees and Charges Details
Joining fee Rs.750 (No fee for premium clients)
Annual Fee Rs.750 (2nd year onwards, but no fee for premium clients)
Interest rate 3.49% per month
Fee for Cash withdrawal 3% of the amount withdrawn or Rs.300 (whichever is higher)
Fee for Rewards redemption Rs.99
Charges for Late payment If the statement balance is:
  • Less than or up to Rs.100: No fee
  • Rs.101 to Rs.500: Rs.100
  • Rs.501 to Rs.5,000: Rs.500
  • Rs.5,001 to Rs.15,000: Rs.700
  • Above Rs.15,000: Rs.800
Fee for Cash processing Rs.299
Charges for Over limit 2.5% of the over-limit amount (minimum Rs.500)
Fee for Foreign currency transaction 3.5%
Fee for Cash/Cheque pickup Rs.100 for overdue card accounts

3) Yatra SBI Credit Card

Yatra, the popular online travel website and The State Bank of India (SBI) and Yatra have partnered to get their customers best offers on travels through credit card payments. Other than domestic and international trips, there are many more offers to avail through card such as:

  • Get vouchers of Rs 8,250 from Yatra as a welcome gift. Using this voucher within 30 days of availing gets you Rs 100 worth cash back.
  • Get annual fee waiver on spending at least Rs 90,000.
  • 1 Reward Point is equal to 0.25
  • The redemption minimum limit is is 1,000 Reward Point
  • Get 6x reward points when using the card on bookings at Yatra, departmental and grocery stores.
  • Get 1 point of every spend of Rs 100 at any retail store.
  • These points can be redeemed for the Yatra vouchers.
  • Spending Rs 30,000 on bookings at Yatra fetches a Rs 500 voucher gift.
  • Easy access to airport lounges in India.
  • Pay EMIs for transactions of Rs.2,500 or above.
  • 1% fuel surcharge waiver or up to Rs. 100 monthly on spending amidst Rs 500 to Rs 3,000.
  • 6 reward points per Rs. 100 spent on dining, movies, grocery, and international spends
  • Get Rs. 1,000 off on domestic flight bookings
  • Complimentary 50 lacs as air-accident death cover
  • Earn up to 20% off on domestic hotel bookings
  • Receive Rs. 4,000 off on international flight bookings
  • Joining benefits include 2 vouchers of Rs.500 and Rs. 1000 each for a domestic flight and international flight, respectively.
  • Rs. 1,500 and Rs. 3,000 vouchers for Domestic Holiday Package and International Holiday Package, respectively.
  • Rs. 750 vouchers on booking hotels.

Fees and Charges for Yatra SBI Card

Fees and Charges Details
Annual fee Rs.499
Renewal fee Rs.499 (2nd year onward)
Add-on fee None
Interest rate 3.35% per month
Charges for Cash Advance 3.35% per month
Fee for Cash payment Rs.100
Cheque fee Rs.100 (for payments up to Rs.10,000)
Payment Dishonour Fee 2% of the transaction amount
Retrieval of Statement Rs.100 per statement
Charges for Over-limit 2.5% for a minimum amount of Rs.500
Card Replacement Charges Rs.100
Foreign Currency Transaction 3.5% of the transaction amount
Fee for Rewards redemption Rs.99
Late Payment Charges
  • No fee for Rs.0 to Rs.200
  • Rs.100 for Rs.201 to Rs.500
  • Rs.400 for Rs.501 to Rs.1,000
  • Rs.600 for Rs.1,001 to Rs.10,000
  • Rs.800 for Rs.10,001 to Rs.25,000
  • Rs.950 for more than Rs.25,000

4) Axis Bank Neo Credit Card

Axis Bank Neo Credit Card is great choice for online shoppers. The annual fee is only Rs. 250. But, you can still avail up to 10% discount and cashback offers across different partner websites. It provides benefits on popular online shopping websites such as Myntra and Amazon. Individuals between 18 years and 70 years can get this credit card. Here are some of the features of Axis Bank Neo Credit Card:

  • Get 2 eDGE Loyalty points on spending every Rs 200 through the card.
  • Get 10% cashback on online shopping, movie tickets and mobile recharge.
  • Vouchers of Rs 300 from Bookmyshow.
  • Easy conversion of transactions over Rs 2500 into EMIs.
  • Rs 500 worth vouchers from Jabong.
  • You can make high-ticket purchases through EMIs
  • 10% discount on each purchase of over Rs 500 on Myntra. Code: AXNIOMYNT.
  • Enjoy discount of up to Rs. 200 at Myntra on spending at least Rs. 2,200.
  • Amazon gift voucher of Rs. 250 on first spend in 30 days of the credit card issuance.
  • Card protection through the EMV certified chip.
  • Get 15% off on dining at Axis Bank’s partner restaurants.
  • No lost card liability
  • No annual fee in the first year.
  • Get 10% cashback on mobile recharge done on the Freecharge App. The discount limit is up to Rs. 30 in a month.
  • Get 10% discount on BookMyShow (Rs. 50 per month), Myntra (minimum transaction of Rs. 500), and Akbar Travels (on booking worth Rs. 5,000 or more).

Fees and Charges for Axis Bank Neo Credit Card

The fees and charges associated with the card:

Fees and Charges Amount
Annual or Joining Fee Rs. 250
Fee for Cash Advance 2.5%, Minimum Rs. 250
Charges for Late Payment For Statement Balance
  • Less Than Rs. 100: No charges
  • Rs. 101 to Rs. 300: Rs. 100
  • Rs. 301 to Rs. 1,000: Rs. 300
  • Rs. 1,001 to Rs. 5,000: Rs. 500
  • Rs. 5,001 to Rs. 20,000: Rs. 600
  • Rs. 20,001 and more: Rs. 700
Fee for Additional Card No fee
Revolving Credit Charges 46.78% p.a. or 3.25% per month
Charges on Over limit Account 3%, Minimum Rs. 500
Fee for Cash Payment Rs. 100
Fee for Railway Ticket Cancellation/Purchase As defined by IRCTC
Credit Card Reissue No charges
Foreign Currency Transaction 3.5%
Fee for Outstation Cheque Fee No fee
Charges for Balance Enquiry No charges

5) CITI Cashback Card

The CITI Cashback Credit Card offers ‘earn when you spend’ option. The users can earn amazing cashback on their spends through credit card. Major benefits of this card are:

  • Get benefit up to Rs. 3,300 and more for the first year.
  • Make up to Rs 2000 contactless payments. This won't even require any PIN. Just tap the card on the contactless terminal to pay.
  • Earn 5% cashback on telephone bills and movie tickets.
  • Earn 5% cashback on utility bills if paid through online Citibank bill pay.
  • Get cashback credited automatically on accumulation of at least Rs. 500.
  • 15% discount on dining bill at 2,000 partner restaurants.
  • Further, get 0.5% cashback on any other spends.
  • Get shopping benefits and exclusive dining.
  • Offers and savings on shopping at more than 100+ stores.
  • EMI options are available on over 2000 mobile phones, retail and electronics outlets.
  • No expiration for the unredeemed cashback.

Fees and Charges for Citi Cashback Card

Here are the associated fees and charges:

Fees and Charges Details
Joining and Annual Fee As per the bank’s norms and regulations
Fee for Cash Withdrawal 2.5% of the withdrawn amount, minimum withdrawal amount Rs.500
Fee for Rewards Redemption No fee
Charges for Statement Balance
  • Up to Rs.1,000: No fee
  • More than Rs.1,000 and up to Rs.5,000: Rs.450
  • More than Rs.5,000 and up to Rs.10,000: Rs.700
  • More than Rs.10,000: Rs.950
Fee for Over credit limit 2.5% on exceeding the amount of credit limit, minimum Rs.500
Fee for Cheque return/bounce Rs.500 per returned cheque
Fee for Statement request Rs.100 (above 3 months)
Card Reissuance Rs. 100
Fee for Cash payment Rs.250 per deposit
Charges for Cash payment at ATMs Rs.100 per deposit
Surcharge on Railway ticket booking 1.8% of the transaction value

6) Jet Airways American Express Platinum Credit Card

This card shall surely get you the best travel experiences. The American Express partnered with Jet Airways gets you the best offers and rewards. Additional benefits on availing this card are:

  • 10,000 bonus JP Miles along with 1-way Jet Airways domestic flight ticket with the waived base fare as a welcome present after the first transaction. The same will be credited in 60 working days for the said condition.
  • 5000 Bonus InterMiles to be credited post 90 working days of paying the annual fee or annual card renewal date.
  • Get 8 JP Miles on every spend of Rs 150. The same is however not applicable on utility, insurance, fuel and cash transactions.
  • 10% discount on Base Fare for purchase of Etihad Airways.
  • On www.InterMiles.com, get one time 40% ‘Miles Back’ on a return International return ticket booked under ‘Flexi Award’.
  • One-time Rs. 1000 and Rs. 750 Flight Discount Voucher on renewal or enrolment respectively on a return flight booked on www.InterMiles.com.
  • Get complimentary InterMiles Gold Tier Match.
  • Complimentary membership to Priority Pass, with waiver of fee US$99 annual membership.
  • Access to airport lounges in 11 cities of India.
  • Get free Visa and Platinum assistance.
  • 3% cashback on fuel purchases in India.
  • Up to 20% discount on American Express SELECTS™ Dining Programme.
  • Free iPrefer Elite Tier membership on hotels and resorts
  • 24/7 access to the platinum concierge service.
  • Get 16 JP Miles on spending Rs 150 on booking tickets through the Jet Airways website.
  • Get up to 20 JP Miles on spending Rs 100 at the EXTRA JP miles program.
  • Get up to 2 Supplementary Cards at no extra cost.
  • Finally, enjoy zero lost card liability.

Fees and Charges for Jet Airways American Express Platinum Credit Card

Here are details of associated fees and charges:

First Year Fees Details
Joining and Annual Fee
  • First Year Fees of Rs. 5,000 + plus applicable taxes.
  • Get waiver of First Year Fees until maintaining the Jet Privilege Platinum tier.
Second Year Fees
  • Annual Renewal Fees of Rs. 10,000 + plus applicable taxes.
  • Get waiver of Renewal Year Fees until maintaining the Jet Privilege Platinum tier.

7) HSBC Visa Platinum Credit Card

The HSBC bank offers the visa platinum card with endless offers and rewards for its users. The cardholders get:

  • 10% cashback on all the spends in the initial 90 days. However, the person should make at least three transactions of Rs 10,000 or more. One can get cashback of Rs 3000.
  • 3x rewards on dining, hotel, telecom payments in the first 12 months.
  • 2 points on each spend of Rs 150 with the card.
  • Extra points on extra selected partners.
  • 5x reward points on spending at least Rs 4,00,000 in a year on a successful transaction. Eearn up to Rs. 15,000 accelerated reward points foe a year this way.
  • Get up to 6 complimentary airport lounge meals or visits at airport restaurants on the initial transaction.
  • Enjoy better benefits on travel with Singapore Airlines through Air Miles conversion.
  • Movie BookMyShow vouchers worth Rs 500 on spending a minimum of Rs 50,000. Vouchers of Rs. 3,000 is available per year for the cardholder.
  • Rs. 250 Swiggy voucher is available on first transaction in 60 days of card activation.
  • Fuel surcharge waiver on paying for fuel through card
  • Discount on dining available under the HSBC Dining privileges.
  • Zero liability for lost card. Service for emergency card replacement is also available.

Fees and Charges for HSBC Visa Platinum Credit Card

Here are the associated fees and charges:

Fees and Charges Details
Annual Fee and Add-on Fee No fees
Interest-Free Credit Period Up to 52 days
Charges for Finance 3.3% p.m. (39.6% p.a.) calculated from the transaction date
Request for Duplicate Statement Rs. 100 per statement (over 3 months)
Foreign Currency Transaction 3.50% of the amount
Fee for Over Limit Rs. 500 per month
Minimum Payment Due (MPD) on extended credit usage
  • Minimum Rs. 100
  • 5% of the total due payment to the statement + greater of over limit due or past due (if any)
Charges for Late Payment
  • Rs. 400 for Due Amount Up to Rs. 500
  • Rs. 500 for Rs. 500 and Rs. 1,000
  • Rs. 500 for Rs. 500 and Rs. 1,000
Fee on Cash Advance Transaction
  • Minimum Rs. 300
  • 2.5% of the transaction value

8) HDFC Bank Diners Club Black Card

This is a popular premium card best known for its protection, travel benefits, golf benefits lifestyle benefits, etc. though the card does not offer reward points on shopping, the major benefits of HDFC Bank diner club black card are:

  • Get 2x reward points on domestic and international air ticket as well as on hotel bookings.
  • Get complimentary annual memberships from Amazon Prime, Club Marriott, Forbes, etc. after the first transaction.
  • Get points for booking air tickets, hotels and Airmiles. Book tickers across 150 airlines and hotels for these benefits.
  • 1 reward point is equal to Rs. 1.
  • Receive two monthly vouchers from BookMyShow or TataCLio or Ola Select Membershi. The voucher is Rs.500 per month on spending at least Rs. 80,000.
  • Easy access to more than 25 airport lounges all over India as well as over 650 lounges abroad.
  • 24/7 concierge service to reserve golf course, dining, renting cards and golf deliveries. It also includes business related services, hotel reservations and courier service.
  • Get 5 points on spending every Rs 150 at the retail merchant stores.
  • Get 10 reward point on each Rs 150 spent on HDFC bank diners club site.
  • Get free golf games and lessons in India as well as abroad.
  • Get a Rs 2 crore worth air accident cover.
  • Get up to Rs 50 lakh on emergency medical expenses cover and 9 lakh credit liability cover
  • Get Rs 55,000 travel insurance cover on loss or delay of baggage.
  • Redeem reward points on Singapore Airlines (KrisFlyer Miles), British Executive Club (Avios), Jet Airways (JPMiles), and Club Vistara.
  • Get unlimited access to 800+ airport lounges across the globe.
  • Wellness benefits for salon and spa include that from Tattva Spa, O2 Spa, Four Fountains De-Stress Spa, Jean Claude Biguine, VLCC, and Enrich Salons & Academy.
  • Discounts are available on resorts such as Neemrana Fort Palace Rajasthan, NaturOville Vedic Retreat Rishikesh, Tree of Life, Red Earth Kabini, Tijara Fort Palace Rajasthan, Kairali, and Shreyas Retreat Bangalore.
  • Discounts are available on fitness centres such as Anytime Fitness, Cult.fit, Krus Gethin, and Golds Gym.
  • Discounts are available on DocsApp for doctor consultation online.
  • Get discounts on Gympik, Grow Fit, Calorie Care and Healthie.
  • Get 24 x 7 concierge services for business, flower and gift delivery, golf course referral, courier assistance, referral and hotel reservation.

Fees and Charges for HDFC Bank Diners Club Black Card

Here are the associated fees and charges:

Fees and Charges Details
Joining fee Rs.10,000
Renewal fee Rs.5,000
Interest rate 1.99% per month
Fee for cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
Fee for Rewards redemption No fee
Charges for Add-on cards No fee
Fee for foreign currency mark-up fee 1.99%
Charges for Late Payment
  • Less than Rs.100: No fee
  • Rs.100 to Rs.500: Rs.100
  • Rs.501 to Rs.5,000: Rs.500
  • Rs.5,001 to Rs.10,000: Rs.600
  • Rs.10,001 and 25,000: Rs.8000
  • Above Rs.25,000: Rs.950
Charges for Over Limit 2.5% of the over the limit amount (Min. of Rs.500)
Fee for Cash Processing Rs.100 per transaction
Charges for Payment Return 2% of the payment amount (Minimum of Rs.450)
Charges for Card Reissuance Rs.100 per instance

9) IndusInd Bank Platinum Card

This is an ideal choice for people living a posh life. It offers numerous lifestyle offers and benefits. Major benefits are as follows:

  • Get Accor Plus Program membership. This lets the card holders enjoy up to 15% off on drink all over Asia as well as 50% off on dining across Asia Pacific.
  • Moreover, avail heavy discounts on hotel bookings, free night stays, and silver membership status at the Le Club Accor hotels.
  • Get 1.5 points on spending Rs 150 through card.
  • Get discounts on numerous travel and shopping brands such as Satya Paul, Woodland, Jet Airways, UCB, etc.
  • Free golf lessons and games at golf courses in the country. Complimentary golf lessons and games for leading golf clubs in Chennai, Hyderabad, Ahmedabad, Delhi, Pune, Mumbai, and Bengaluru.
  • Get discounts on movie tickets when using BookMyShow
  • Get complimentary priority pass and access to airport lounges in India and abroad.
  • Get amazing benefits in the Travel Plus Program. Get access to over 600 airport lounges across the globe.
  • Free personal air accident covers worth Rs.25 lacs.
  • Get travel insurance cover and 24/7 concierge services. The Total Protect feature also protects the user from fraudulent transactions.
  • Free accident air cover of up to Rs 25 lakh.
  • 1% waiver on fuel surcharge at all petrol pumps in India on transactions between Rs. 400 and Rs. 4,000.
  • Get 24/7 auto assist facility in case of an emergency.
  • 24X7 on-road services such as emergency fuel supply, flat tire service, roadside repair service, battery service, etc. through one phone call.
  • Zero liability on lost or stolen card.

Fees and Charges of IndusInd Bank Platinum Credit Card

Fees and Charges Details
Joining fee No fee
Annual fee No fee
Interest charge 3.83% per month
Charges for cash withdrawal 2.5% of the amount withdrawn or Rs.300, whichever is higher
Fee for add-on credit card No fee
Charges for Late Payment
  • For outstanding balance up to Rs.100: No fee
  • For Rs.101 to Rs.500L Rs.100
  • For Rs.501 to Rs.Rs.1,000: Rs.350
  • For Rs.1,001 to Rs.10,000: Rs.550
  • More than Rs.10,000: Rs.700
Charges for Over Limit 2.5% of the over limit amount subject to a minimum of Rs.500
Cheque bounce or return Rs.250 per instance
Foreign currency mark-up fee 3.5%
Fee for cash payment Rs.100
Card reissuance Rs.100
Charges for duplicate statement request Rs.100 per statement (over the recent 3 months)

10) Kotak PVR Gold Credit Card

Movie buffs get another great option to think upon. Kotak Mahindra Bank partnered with PVR Cinemas offers:

  • One free PVR ticket on spending at least Rs 10,000 per billing cycle. Get two free tickets on spending at least Rs 15,000 per billing cycle. The card holders can make any type of spends to avail these free tickets.
  • PVR Shield provides complimentary lost card liability insurance cover. The liability cover is up to Rs. 50,000.
  • Get Rs 75,000 worth insurance cover for lost or stolen card
  • Get add-on cards for family members.

Fees and Charges for Kotak PVR Gold Credit Card

Here are the associated fees and charges:

Fees and Charges Details
Joining Fees Rs. 499
Annual fee No fee
Fees for Add-on card Rs. 299
Finance Charges 42% per annum or 3.50% per month
Call a draft/ Cash Advance/ATM Cash Withdrawal/Fund Transfer per Rs. 10,000 Rs. 300
Charges for Over Limit Rs. 500
Charges for Late Payment
  • Rs. 100 for up to Rs. 500.
  • Rs. 500 for between Rs. 500.01 and Rs. 10,000
  • Rs. 700 for over Rs. 10,000
Charges for Cheque Bounce Rs. 500
Foreign Currency Mark Up 3.5% of the amount
Fee for Cash payment Rs. 100
Fee for Card Replacement Fee Rs. 100
CIBIL – Credit Information Report Rs. 50

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