Looking for Credit Cards Which are Easy to Get? Read This

With number of credit card users increasing every second in India, there is no denying on the fact that credit cards have become the need of the hour. The credit cards have become widely popular among people because the kind of benefits and features they provide. This is the reason that people nowadays use multiple credit cards in order to fulfill varied needs of their. When it comes to choosing a credit card, there are several factors that you need to consider such as interest rates, annual fees, rewards, additional charges, ease of applying and many more.

However, if you have to consider the above factors, the credit card companies also have certain eligibility criteria on the basis of which they provide you the card. Some eligibility factors like income, credit history, age, employment status, monthly expenses, etc play a pivotal role in deciding your credit card eligibility. However, if anything goes wrong, your credit card application can be rejected. Thus, by keeping the above factors in mind, knowing about such credit cards which are easy to get help you to easily open an account, without any reservation on the charges.

So, without any further delay, here are the credit cards which are easy to get with reasonable requirements.

  1. ICICI Bank Instant Platinum Credit Card

Fees & Charges

Joining Fee: NIL

Annual Fee:NIL

Privileges of ICICI Bank Instant Platinum Credit Card

  • 2 payback points on every Rs. 100 spent
  • 100 discount on up to 2 movie tickets per month
  • Minimum 15% savings on dining at over 800 restaurants courtesy our culinary treats program
  • 5% fuel surcharge waiver
  • Earn interest on your Fixed Deposit and use the Instant Card to manage your day to day liquidity
  • Security of a chip card to protect you against the risk of fraud
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Features of ICICI Bank Instant Platinum Credit Card

  • Instant, over-the-counter Card issuance
  • Assured, free Card
  • PAYBACK rewards
  • Internationally valid
  • Low interest rate
  • Chip and Pin Card
  • Minimum 15% savings on dining
  • Save on 2.5% fuel surcharge
  • VISA Offers on Dining, Wellness and Hotels
  1. American Express Payback Card

Fees & Charges

First Year Fee:Rs. 750

Second Year Fee: Rs. 1,500

Privileges of American Express Payback Card

  • 3 Payback Points for every 100 spent
  • Get multiple payback Points across more than 40 payback partners
  • Earn 900 Bonus payback Points on spending Rs. 15,000 within 60 days of Card approval
  • Get welcome vouchers worth Rs. 3,000
  • Enjoy exciting discounts on dining, travel and online shopping
  • For every Rs.200 spent at Big Bazaar, you will get 6 Payback Points
  • Enjoy up to 30% discount and additional 5% cashback at over 1200 restaurants

Features of American Express Payback Card

  • Payback points
  • Rewards programme
  • Dining privileges
  • Discounts on travel & online shopping
  • Additional offers
  1. HDFC Business Moneyback

Fees & Charges

Annual Fee:Rs.2,500

Renewal Fee: Rs. 500

Privileges of  HDFC Business Money back

  • 2 Reward Points on Rs 150 spent
  • 3 X Reward Points on business related spends
  • Earn a CashBack of upto Rs. 2,500
  • Fuel Surcharge Waiver capped at Rs. 500 every billing cycle
  • Save up to Rs. 6,000 every year on your fuel transactions
  • Zero Lost Card liability post reporting of the loss of card
  • Fuel Surcharge Waiver on all fuel transactions between Rs. 400 to Rs. 5000
  • Redeem Reward points as CashBack on your Business MoneyBack Credit Card

Features of  HDFC Business Moneyback

  • Business MoneyBack Rewards
  • Exclusive lounge access
  • Fuel surcharge waiver
  • Safe & Secure Transactions
  • Zero liability on lost card
  • Revolving Credit
  • Interest free credit
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