Top 10 credit cards in india easy to get

  Top 10 credit cards in india easy to get

Stylish Credit Cards In India 2022 

When it comes to credit card, every existent has a different purpose and to fulfill that, you need to choose a card that suits you the most. There are credit cards swish to pay your bills, others for a nice bargain on a shopping website. With the right choice, you can save capitalist on your deals. 

To help you find the swish card for your conditions, we have put together a list of some of the swish credit cards in India. 

 

1. Axis Bank ACE Credit Card 

 

Joining Figure 

INR 499 18 GST, 

no periodic figure if you spend INR within 45 days of card allocation. 

Annual Fee 

INR 499 18 GST, 

periodic figure waived on an periodic spend of further than INR. 

Drink Benefit 

INR 500 cashback 

on spending INR in the first 90 days. 

This card gives a 5 cash back on the payment of bills through Google Pay and the swish part is that there is no upper limit or lower limit to it. 

 You also get a scrape card while using Google Pay where you can win spare cash. There is a 4 cash back again without any cap on Ola, Zomato, Swiggy and 2 cash back on any other payment that you make with this card. 

 The credit card periodic figure is fairly low in comparison to the installations it offers. The only card similar to this bone is the Standard Chartered Super Value Card, which is a little further precious than this and at the same time has a double-sided cap to it. Ace gives you further than the value for your capitalist. 

Cash Back 

• 5% cashback on bill payments like, electricity, gas, DTH, mobile recharges etc. 

• 4% on online food and mobility aggregators including Swiggy, Zomato and Ola. 

• 2%  on other charges. 

 No upper limit on cash reverse. 

2. Flipkart Axis Bank Credit Card 

 

Joining Figure 

INR 500 + 18% GST 

Annual Fee 

INR 500 + 18% GST 

(No periodic figure on spending INR in a time) 

Welcome Benefits 

INR 500 worth Flipkart validations and 15% cashback up to INR 500 on Myntra 

on your first sale using the card. 

 This card has a number of welcome benefits and you can realize your figure for the card just by those welcome benefits. There is not important difference between this card and Axis bank Ace card technically but in the number of welcome benefits. A 20 reduction on dining is also great. The most fascinating part is unlimited cash back.

• Get 15 months Gaana plus at a blinked price of INR 399. 
•  20 off over to INR 500 on The Phy Life. 
• 20 off over to INR 500 on Plum Goodness. 
•  Cash Back 

 Cash Back 

•  5 cash back on Flipkart 2GUD (Flipkart’s original point that brings popular offline retailers and shopping malls online for its guests in India) and Myntra. 
•  4 cashback on favored merchandisers including PVR, Swiggy, Uber,cure.fit. 
• 1.5 cash reverse on all other orders. 

3. SimplyCLICK SBI Credit Card 

Joining Figure 

INR 499 

levies 

 

Annual Fee 

INR 499 

levies (this figure nullifies on a spend of INR) 

Welcome Benefit 

GetAmazon.in gift card 

worth INR 500 on joining. 

 

• This card covers more or less all the prominent shopping spots and price points on shopping are also good. Utility bills can be registered formerly and ensure timely bill payments there after. 
• No sheltered charges or complications can be considered good for beginners. 
•  The SimplyCLICK Credit Card can be called a introductory point- predicated credit card for shopping online, which is provident compared to other cards in the same order. 
•  This card is most suitable for stoners who are interested in saving and earning Price Points for online shopping. 
•  Price Points and Redemption of Price Points 
• 10X Price Points on online spends with exclusive online mates including Amazon, Apollo 24X7, BookMyShow, Cleartrip, Dineout, Lenskart, Netmeds. 
•  5X prices on all other online spends. Earn 1 price point per INR 100 on all other spends (1 Price Point is original to INR 25 paise). 
•  Check the terms and conditions like the following are applicable 
•  A) 10X Price Points are applicable only when payment is done in INR (Indian Rupee) using SimplyCLICK SBI Card. 
• B)e-Wallet loading deals done using SimplyCLICK SBI Card on any mate brand website/ app linked under MCCs 6540 and 6541 (on swish trouble base) will not accrue Price Points. 
•  C) Avail Bill Payments done using SimplyCLICK SBI Card on SBI Card website/ mobile app will not accrue 5X Price Points. 
•  D) Redeem your Credit Card Price Points againste- Gift Attestations from the SimplyCLICK Mates, in the Prices Roster. 

 

4. HDFC Millennia Credit Card 

 

Joining Figure 

INR 

levies 

 

Annual Fee 

INR 

levies 

 

Welcome Benefits 

1000 Cash Points will be given 

if the cardholder pays the periodic figure. 

 

New features have been added to make the card easy-to- use and also give a new look. Cards issued henceforth will have the renewed features bandied in our review. The bank has partnered with some of the most prominent brands in the request to offer CashPoints worth 5 of the spending on each purchase, which makes it unique. 

Still, the welcome benefit of 1000 CashPoints stands null and void, If no periodic figure is paid. This can be if the stoner spends INR 1 lakh in the time of the card’s allocation. In such a case no periodic figure is charged automatically barring the welcome benefit of 1000 CashPoints. 

 Price Points and Redemption of Price Points 

• 1 CashPoints is equal to INR 1. 

• When using Cash Points for any other sale, the conversion rate is INR0.30 

• CashPoints can be used to pay the pretenses of your credit card at the end of the billing cycle. 

• The upper limit on the 5% cashback order is INR in a billing cycle. 

• The upper limit on the 1 cashback order is also the same, that's INR in a billing cycle. 

5. American Express SmartEarn ™ Credit Card 

Joining Fee 

Nil 

 

Annual Fee 

INR 495 

+18% GST, nil periodic figure on spending INR and over in the former time. 

 

Welcome Benefit 

A cashback of INR 500 on spending INR 

within 90 days of its allocation. 

 

This is the cheapest Amex card and the features are more or less the same as the other good cards that we've covered in this range. The most charming factor is this card has a zero lost card liability. 

Price Points 

1) 10X Class Prices 

With deals on Flipkart, Amazon and Uber, druggies get 10X prices for every INR 50 spent.

 

2) 5X Class Prices 

With deals on Paytm Wallet, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar, druggies get 5X prices for every INR 50 spent. 

3) 1 Class Prices Point for every INR 50 spent except for spends on energy, insurance, serviceability, cash deals and yearly inaugurations (EMI) conversion at point of trade. 

6. HDFC Regalia Credit Card 

Joining Figure 

INR 

18% GST 

Annual Fee 

INR 

+18% GST; This figure is waived off if you spend further than INR 3 lakh in the first time of taking the card and renew it formerly again the coming time. 

Welcome Benefit 

2500 price points 

and you get the same every time you pay the periodic class. This benefit won't be given to you if the periodic figure is gestured off. 

 

The periodic figure is a little precious but you get 2500 price points on paying the periodic figure. Every price point is equal to 50 paise so you're suitable to get half of the figure back as price points. 

 

One important aspect is the insurance cover, which is INR 1 cr in case of accidental death in an aircraft crash if this credit card was used in reserving the tickets, and a cover of INR 15 lakh in case you're rehabilitated while abroad. This makes for a good deal. 

 

Dining Benefits 

 

Exclusive complimentary Dine Out Passport Membership. 

 

7. SBI SimplySAVE Credit Card 

Joining Figure 

INR 499 

levies 

 

Annual Fee 

INR 499 

levies (No renewal figure if there's an periodic spend of INR 1 lakh on the credit card) 

 

Welcome Benefits 

On spending INR or further in the first 60 days, 

you get perk Price Points. 

 

This card is to grease the requirements of its youthful guests who like to dine out, love shopping and are frequent callers to promenades and movie theaters. This card has the same features for offline shopping that SBI’s other card SimplyCLICK has for online shopping. Simply put, SBI’s Simply CLICK is ideal for online shopping and Simply SAVE is for offline shopping.The figure isn't veritably high and it's an easy-to- apply card. 

 

• The welcome perk offer is valid for new cards only and not applicable for upgrades,re-issued, replaced and renewed cards. 

• Perk Points are credited to the stoner’s SBI card account within 60 days of eligible sale (s). 

• Maximum 2000 points can be profited per SBI card account as a part of this offer. 

8. SBI Card PRIME 

Joining Figure 

 INR 

levies. 

 

Annual Fee 

 INR 

levies (There will be no periodic figure on spending INR 3 lakh.) 

 

Welcome benefits 

E-gift testimonial worth INR from any of the following brands 

Bata/ Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com. 

 

Consumers get welcome benefits of exactly the quantum as the joining figure. Unlike other ultraexpensive credit cards, SBI PRIME may be more accessible for some. This card has three variants as a result of SBI’s collaboration with VISA, Mastercard and American Express. There's a slight difference in the installations that these three companies give. From the Club Vistara class to field couches, it facilitates trippers. Indeed the system of price points is appealing. 

 

Price Points and Redemption of Price Points 

• 2 Price Points on spending INR 100 on all retail spends ( energy barred). 

• Price Points can be used to pay credit card pretenses. 

• 1 Price Point = INR0.25 

9. RBL Bank ShopRite Credit Card 

Joining Figure 

Nil

Annual Fee 

INR 500 

18 GST 

Welcome Benefit  

2,000 Price Points  

You'll have to make a purchase within 30 days of card allocation to redeem your gifts.

 

In this card, price points can be used for mobile recharges and there are price points on the purchase of energy. A 10 reduction on pictures is also great. A cap on the price points is a disappointment. 

 

Prices on All Purchases 

 

There's 1 price point for every INR 100 spent on all your purchases except energy. 

 

Price Points on Grocery Spends 

 

20 price points for spending INR 100 when you use your card for grocery shopping. You can earn a outside of price points in a month. 

 

10% Reduction on Pictures

 

10% reduction (up to INR 100) on movie tickets at BookMyShow 15 times in a time. 

You can mileage the offer by opting RBL Bank 10 offer under credit card offers and abatements post movie selection on BookMyShow. 

10. ICICI Coral Credit Card 

 

Joining Figure 

INR 500 

GST. 

 

Annual Fee 

 

INR 500 

GST (The periodic figure for the alternate time is waived off on a spend of INR1.5 lakh in the former time). 

 

Welcome Benefit 

NA 

The ICICI Platinum Chip Credit Card and ICICI Bank Coral Credit Card are veritably analogous, barring a many redundant boons similar as the added installation of road and field couches on the ultimate. Numerous times, the bank offers this card to its pious guests as apre-approved credit card that does n’t attract a joining figure or an periodic figure, making it a inoffensive card to have. 

 

Price Points 

 

• 2 Vengeance points on spending INR 100. 

• Earn 1 Vengeance point on spending INR 100 on serviceability and insurance orders. 

• There are no Vengeance points on energy. 

ICICI Bank Corner Prices program 

• On spending INR 2 lakh with the help of ICICI Bank Coral Credit Card, you get 2000 Vengeance points. 

• After spending the INR 2 lakh in an anniversary time, you get 1000 Vengeance points on every fresh spend of INR 1 lakh. 

• In this corner price programme there's a cap of Vengeance points. Once you have gained price points, you won't be granted any farther Price Points for that time.