Top 3 Smartest Credit Cards to Use

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Many people will surely agree on the fact that when it comes to credit cards, they can give a big relief from carry the heavy cash all the time. With the help of these cards, it becomes convenient and quite easy to live a hassle-free lifestyle. Thus, it would not be wrong to say that these credit cards come with unmatched features and advantages, and have become the need of every individual.

Moreover, with plenty of options available in the marketplace, it becomes quite difficult for you to choose one card. Each and every card has its own features and USPs, hence selecting a best card among many is absolutely not an easy job.  With the presence of hundreds of financial institutions, spending crores on advertisements, it would not be wrong to say that in this tough competition, it’s definitely not an easy job to go for one credit card.

But, nothing to worry as this article will give you the list of top 3 smartest credit cards in India that have been performing tremendously well for long time. So, take a look below, and decide which credit card will suit your lifestyle in all aspects:

  1. ICICI Bank Instant Platinum Credit Card

If you are in need of instant credit card and that too without paying for it, there is no denying on the fact that this ICICI Bank Instant Credit Card is definitely a good choice for you. This credit card comes with plenty of benefits and features, and also helps you to build your credit score against fixed deposits.

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Fees & Charges

Joining Fee: NIL

Annual Fee:NIL

Privileges of ICICI Bank Instant Platinum Credit Card

  • Earn reward points and redeem for cash
  • Get ₹ 100 discount on up to 2 movie tickets per month
  • Minimum 15% savings on dining at over 800 restaurants courtesy our culinary treats program
  • Earn interest on your Fixed Deposit and use the Instant Card to manage your day to day liquidity
  • The card is available at a low interest rate of just 2.49% per month

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
  • Internationally Valid
  • Low Interest Rate
  • VISA Offers on Dining, Wellness and Hotels

How to Apply?

You can apply for this credit in just 2 simple steps:

i) Get a Fixed Deposit with ICICI Bank (even better if you already have one)

  • To get an ICICI Bank Instant Platinum Credit Card, all you need is a valid Fixed Deposit with ICICI Bank
  • The minimum Fixed Deposit amount is Rs. 20,000
  • The minimum tenure of the Fixed Deposit has to be 180 days

Please also note that the Instant Platinum Credit Card cannot be issued:

  • If the Fixed Deposit is in the name of Third parties/Partnership firms /HUF /Society /Trust /Companies
  • Against Linked/Quantum /80C/NRE/NRO / HFC Fixed Deposits or if a lien is already marked on the Fixed Deposit
  • To minors and foreign nationalsii) Or you can either collect your card directly from the branch near you or you can also apply online.
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Eligibility Criteria

To get an ICICI Bank Instant Platinum Credit Card, you need to fulfill the below eligibility criteria.

  • All you need is a valid Fixed Deposit with ICICI Bank
  • The minimum Fixed Deposit amount is Rs. 20,000
  • The minimum tenure of the Fixed Deposit has to be 180 days
  1. SBI Gold

This credit card of SBI can be best used for shopping purpose. It comes with plenty of benefits and features, and offers every spender an unforgettable experience.  Not only this, it allows you to pay for various utility services such as electricity, insurance, booking of railway or air tickets and many more.

Fees and Charges

Joining Fee: Rs. 299+ Taxes

Annual Fee:Rs. 299+Taxes

Add on Fee: Nil (per annum)

Privileges of  SBI Gold Card

  • International Credit Card
  • Accepted in over 2 million visa outlets worldwide
  • Cash on the go
  • Withdraw cash from over 1 million Visa ATMs across the globe
  • The card is available at a low interest rate of just 3.35% per month

Features of SBI Gold Card

  • Add-on Cards
  • Easy Money
  • Cash on the Go
  • Utility Bill Payment Facility
  • Balance Transfer on EMI
  • Flexipay
  • Online Booking of Railway Tickets
  • SBI Card Drop Box Locater

How to Apply?

It is absolutely easy to apply for this credit card as you can either choose the online option or visit the bank directly.

To know more about SBI Credit Cards visit at Fulfill Your Wishes with SBI Credit Cards.

  1. HDFC Platinum Plus

HDFC Platinum Plus credit card is undoubtedly best in every aspect. This beautifully designed credit card comes with the freedom to fill fuel across any fuel station. Apart from fulfilling your fueling needs, this card satisfies you with plenty of unmatched lifestyle benefits as well.

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Fees & Charges

Annual Fee: Rs. 399

Privileges of HDFC Platinum Plus Credit Card

  • 2 Reward Points on Rs. 150 spent
  • 50% more Reward Points for incremental spends above Rs. 50,000 in a statement cycle
  • Fuel Surcharge Waiver capped at Rs. 250 every billing cycle
  • Earn 1,200 Reward Points or more in a year
  • Revolving credit facility at nominal interest rate
  • Zero Lost Card liability post reporting card loss to bank
  • 50 days of interest free credit limit

Features of HDFC Platinum Plus Credit Card

  • Attractive Reward Points
  • 0% Fuel surcharge
  • Interest-free credit facility
  • Zero liability on lost card
  • Reward points validity
  • Revolving Credit Facility
  • Free Add-on card
  • Utility bills Payments

How to Apply? 

It is absolutely easy to apply for this credit card as you can either choose the online option or visit the bank directly.

Eligibility Criteria

For Salaried Employee-

21 years-60 years

For Self-Employed –

21 years- 65 years

Conclusion

However, before coming to any decision, it’s always advisable to do the through analysis by comparing different banks in terms of interest rates, fees, benefits and features. After all, selecting a perfect card can create impact on your pocket. So, be wise with your decision and happy selecting!