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Credit Card Name | Joining Fee | Renewal Fee |
|---|---|---|
American Express Membership Reward credit card | Rs. 1000 plus applicable taxes | Rs. 4500 plus GST |
Rs. 2500 plus GST | Rs. 2500 plus GST | |
SBI Simply Save Credit Card | Rs. 499 | Rs. 499 |
SBI SimplyCLICK Credit Card | Rs. 499 plus taxes | Rs. 499 plus taxes |
HSBC Visa Platinum Credit Card | Nil | Nil |
HDFC Bank Diners Club Black Card | Rs. 10,000 plus applicable taxes | Rs. 10,000 plus applicable taxes. |
1. American Express Membership Rewards Credit Card
The American Express Membership Rewards Credit Card has a lucrative rewards program which you must make use of. The card offers exciting discounts on dining, convenience to pay your bill fully or partially, exclusive benefits, assistance at any hour, and much more.
Key Features and Benefits:
- Welcome Benefits: Welcome gift of 4,000 membership reward points on payment of joining fee and on spends of INR 15,000 within the first 90 days of issuing a card.
- Reward Points:
- Earn one reward point for every Rs. 50 spent, excluding expenditures on utilities, insurance, fuel, cash transactions, and EMI conversions at the point of sale.
- Earn an additional 1,000 reward points by making at least four transactions of Rs. 1,500 or more each month using your card.
- Earn additional reward points of 1000 on spends of Rs. 20,000 or more monthly.
- Earn 5,000 reward points on first-year card renewal on payment of annual fee. Points to be credited within 90 days of renewing the card.
- Fabulous reward options from the stunning new 18 and 24 Karat Gold Collection especially curated for you. Vouchers from big brands like Taj,
- Shoppers Stop, Flipkart, Myntra, and Amazon.
- The Annual Fee Waiver: 100% waiver of annual fee of Rs. 4500 if the total spent in the previous year is Rs.1,50,000 and above. 50% waiver of annual fee if total spent in the previous year is Rs. 90,000 to Rs.1,49,999.
- Convenience to split big purchases into EMI payments.
2. HDFC Regalia Credit Card
The HDFC Regalia Credit Card comes with remarkable rewards on travel and entertainment, complimentary priority pass for lounge access across airports in India, welcome benefit of two Kingfisher Airlines base fare return tickets, etc. Experience exclusive privileges.
Key Features and Benefits:
- Earn rewards faster with your Regalia credit card
- Avail up to 15% discount on the bill every time you dine out
- Spend Rs.5 lakh or more in an anniversary year and accrue 10,000 reward points.
- Redeem the accrued points for attractive gifts and rewards available only for Regalia credit card holders.
- Enjoy up to 50 days of interest-free period
- Pay a low foreign currency mark up fee of 2%
- Earn 4 reward points on every Rs. 150 you spend on your card
- Get 10,000 reward points on spending Rs. 5 lakhs in a year.
- Earn bonus 5,000 reward points on annual spends of Rs. 8 lakhs
3. SBI Simply Save Credit Card
Enjoy extravagant welcome benefits, attractive rewards, complete fuel freedom, spend-based reversal, and many more benefits with the SBI Simply Save Credit Card. Enjoy more and save more with this versatile card.
Key Benefits and Features:
- 10x reward points on dining, movies, groceries, and departmental stores.
- Earn 1 reward point per Rs. 150 spent on all other spends.
- Rewards rate: 4 reward points = Rs. 1
- Spend Rs. 2000 or above in first 60 days and get 2,000 extra reward points
- Fuel surcharge waiver for transaction amounts in the range of Rs. 500 to Rs. 3000.
- Annual fee waiver on spends of Rs. 100,000 or above in the prior year
- Obtain a cashback of Rs. 100 on the initial amount withdrawn from an ATM.
4. SBI SimplyCLICK Credit Card
This card comes with exclusive benefits like log-in gift, rewards on online shopping, milestone benefits, complete fuel freedom, etc. Purchase this card and enjoy the unsurpassed privileges,
Key Benefits and Features:
- Cardholders will receive a joining gift of Amazon voucher worth Rs. 500
- Receive 10x rewards points for spends with SBI’s partners - BookMyShow, Amazon, Lenskart, OLA, ZoomCar.
- Earn up to 5x rewards on all online shopping spends done on the credit card.
- Spending on your card will also accrue additional gifts in the form of e-vouchers. Earn an e-voucher worth Rs. 2,000 on spends of Rs. 1 lakh.
- Annual fee of Rs. 499 is waived if cardholders spend more than Rs. 1 lakh a year on their SBI SimplyClick Credit Card.
5. HSBC Visa Platinum Credit Card
It offers incredible benefits on entertainment, rewards, air miles, joining, etc. Experience a world of advantages with the HSBC Visa Platinum Credit Card and save on fuel, and purchases.
- Key benefits and features:
- Lifetime free credit card with Nil joining and annual fees.
- Air miles conversion on InterMiles, British Airways, and Singapore Airlines
- 5 times (5X) rewards on ensuing purchases made after crossing the spend amount of INR 400,000 with a maximum of 15,000 accelerated reward points in an anniversary year.
- Annual savings of up to INR 3,000 on fuel surcharge.
- Welcome Voucher from Amazon worth Rs. 500 on transactions of minimum Rs. 5000 within 30 days of card issuance (Disclaimer: Introductory offers are valid on Visa Platinum Credit Cards from 1 Jan 2024 till 30 June 2024 as per the bank website as of 20/03/2024. For any changes regarding this, refer to the bank website).
- Offers from popular partner brands including MakeMyTrip, Yatra, Croma, BookMyShow, Eazydiner, and Zomato across categories of travel, dining and entertainment, electronics, and e-commerce.
6. HDFC Bank Diners Club Black Card
This card is one of the best credit cards in India that offers super privileges across multiple categories including travel, shopping, rewards, dining, and golf. With a base reward rate of 3.33%, it stands out as an ideal choice for those who spend generously.
Key benefits and features:
- Get 5 reward points for every Rs. 150 spent
- Earn up to a 10-fold increase in reward points through SmartBuy, with an additional double points bonus for weekend dining.
- Complimentary yearly memberships in Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT Black on spends of 1.5 lakhs within the first 90 days.
- Get complimentary vouchers of BookMyShow, Ola Cabs, TATACliQ, Cult.fit Live, etc. worth Rs.80,000.
- Complimentary golf games across the best courses in the world ( Quarterly 6)
- Foreign currency markup of 2% on all foreign currency spends.
- Unlimited airport lounge access to 1000 plus lounges across India and globally.
- 1% fuel surcharge waiver at fuel stations all over India for transactions in the range of Rs. 400 and Rs. 1000
- Air accident insurance coverage worth Rs 2 crore
- Emergency overseas hospitalization cover for Rs. 50 lakhs
- Travel insurance cover of up to INR 55,000 on baggage delay (Capped at 10$ per hour, restricted to 8 hours)
FAQs on Best Credit Card in India for Salaried Person:
1. How can a salaried person get a credit card?
A salaried person can obtain a credit card which enables him or her to make cashless transactions from the credit limit approved by the bank. A salaried person should have a steady source of income to get a credit card. The annual income of the salaried person will decide the credit limit he or she will be granted.
2. Which credit card is best for low-salaried individuals in India?
Some of the top low-income credit cards are Yes Bank Prosperity Reward Plus Credit Card, SimplyCLICK SBI Card, HDFC Diners Club Rewardz, HDFC Bharat CashBack Card, HDFC Freedom Card, and SimplySave SBI Card.