How technology has seeped deep into our lives today! It is also evident how we make payments for our everyday purchases. Gone are the days when hard cash ran the market. Now is the time for debit and credit cards. Read on to find about the top 11 credit cards in the country today, their annual fee as well as the USPs that makes them popular amongst the masses.

SimplySAVE SBI Card

Gives 2000 bonus reward points on spending INR 2,000 within the first 60 days of the card issuance.

Annual Fee – INR 499

USPs

  • Shopper’s favourite
  • Rewards for moviegoers, grocers, diners, etc.
  • Annual fee reversal with INR 90,000 yearly spends

BPCL SBI Card

Enjoy 4.25% value back, equivalent to 13X reward points, on fuel spends at BPCL petrol pumps and a 1% surcharge waiver on refilling the vehicles for every transaction up to Rs 4,000.

Annual Fee – Rs. 499

USPs

  • Popular as fuel card in the country. Gives13X reward points on fuel spend at BPCL outlets.Also offers 1% fuel surcharge waiver on vehicle refill
  • Offers 2,000 activation bonus reward points equivalent toRs 500 on paying the joining fee
  • 5X rewards on grocery and many otherretail spends

ICICI HPCL Coral Credit Card

Get 2 PAYBACK points on spending every INR 100 towards retail purchases excluding fuel. Redeem 2,000 PAYBACK points for a fuel purchase worth INR 500

Annual Fee – INR 199

USPs

  • Regarded as a top fuel card,it allows for redemption and surcharge waiver
  • Offers Rewards & cashback on retail spends
  • Provides discount on dining and movies

ICICI Bank Instant Platinum Credit Card (Offered Against Fixed Deposit)

You can redeem the earned reward points against cash with this one of the best credit cards in India.

Annual Fee – NIL

USPs

  • Fee waiver
  • Offers reward redemption for cash
  • Offers discount on dining and movies
  • Get your credit revolved at a low-interest rate of 2.49% per month

HDFC Doctor’s Superia Credit Card

Offers the welcome benefit of 1,000 reward points on joining.

Annual Fee – INR 1,000

USPs

  • Reward points on joining and renewal
  • Offers joining and renewal fee reversal on spending INR 15,000 in the first 90 days of card setup date.Also offersRs 1 lakh in a year before renewal
  • Offers complimentary lounge access
  • Offers rewards on retail spends

HDFC Regalia Card

Provides 15,000 bonus points on spending Rs 8 lakhs or more in an anniversary year, 12-months from the setup date of the card to the last date of upgrade or downgrade.

Annual Fee – INR 2,500

USPs

  • Accelerated rewards on spends
  • Discount on dining at restaurants
  • Offers airport lounge access
  • Priority check-in and baggage allowance

Citibank Citi Cashback Credit Card

A cashback card, it saves on retail purchase, movie tickets, etc.

Annual Fee – INR 500

USPs

  • Offers cashback on card spends
  • Offers discount on dining at partner restaurants
  • Offers attractive shopping deals at leading brands across different categories
  • Offers smart EMI options

Standard Chartered Manhattan Platinum Credit Card

Avail5% cashback on every Rs150 you spend at a supermarketor departmental store.

Annual Fee – INR 999

USPs

  • Offers cashback on supermarket and departmental store purchase
  • Offers seasonal cashback and discounts on prominent brands

RBL Bank Platinum Maxima Credit Card

Offers 8,000 reward points on paying the joining fee and on purchases made within 30 days of the issuing of the card.

Annual Fee – INR 2,000

USPs

  • Offers reward points at the beginning
  • Offers accelerated rewards on spends
  • Offers bonus rewards on spending up to INR 2-3.5 lakhs

SimplyCLICK SBI Card

Offersjoining gifts from Amazon and E-shopping rewards from leading brands like Lenskart, UrbanClap, etc. Also offers milestone rewards in the form of e-voucher and fuel surcharge waiver on fuel transactions.

Annual Fee – INR 499

USPs

  • Waives off  annual fee (499, in the following year) on spending Rs 1,00,000
  • Offersgift vouchers from Amazon worth Rs 500 on paying the joining fee
  • Avail contactless technology on daily purchases with the SBI Credit Card

HDFC MoneyBack Credit Card

Offers super-saver facility on every transaction with instant cashback on HDFC credit card.

Annual Fee – INR 499

USPs

  • Offers 500 cash points on the payment ofmembership fee. Waives off the annual fee (next year) on spending Rs 50,000or above in the first year.
  • Provides SmartEMI Facility on the credit card enabling the cardholder to convert big purchases into monthly instalments
  • Offersgift vouchers worth Rs 500 on spendingRs 50,000 every quarter.

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