Credit Cards

Credit cards are essential to most people around the world, and many of us cannot imagine life without them. ‘Plastic money' provides easier payment whether you are shopping online, overseas or wish to pay for larger goods and services in and around India.

There are a great many credit cards on offer and the main issuers in India are MasterCard, American Express (Amex) and Visa. Use the chart below to compare the best offers, extra features which might be beneficial and any other features which might be of interest to you.

Credit Cards Information

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Kotak Urbane Gold Card
Kotak Urbane Gold Card

Visa Card3.3% (Monthly)Rs. 0 p.aAsk on applicationNoN/A2.5%0% (3 Months)3.3% (Monthly)NoKotak Urbane Gold Card
The Kotak Urbane Gold Car is a way of life that is fun, savvy and exuberant. The Urbane Gold Card, hence, has been designed keeping in mind the Urbanite in you. Earn 3 reward points against every Rs. 100 of retail spends.
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Primary Card holder should be in the age bracket of 21 years to 65 years. Add-on Card holder should be 18 years and above.


Advantages

Advantages

1. Redeem reward points against apparel, grocery or other purchases.
2. No charge 3 months EMI
3. No annual fee


Disadvantages

Disadvantages

1. If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs 500 in each billing cycle that you are over limit.
2. If in a billing cycle your payment received till the payment due date is lesser than MAD it will attract a flat late payment charge of Rs 550 in the next billing cycle.

Kotak Velocity Platinum Card
Kotak Velocity Platinum Card

Visa Card3.10% (Monthly)Rs.499 p.a.Ask on applicationNoN/A0%0% (3 Months)3.10% (Monthly)NoKotak Velocity Platinum Card
The Kotak Velocity Platinum Card offers you, for the first time in India, rewards that can be redeemed for free fuel along with a host of other unmatched benefits. Earn 5 reward points against every Rs. 100 of retail spends.
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2.5% Fuel Surcharge Waiver across all petrol pumps in India


Advantages

Advantages

1. 5 Reward Points on every Rs.100 spent
2. Redeem Reward points against Fuel spends
3. Fuel Surcharge Waiver across all petrol pumps
4. Rs.499 Annual fee, waived off for first year


Disadvantages

Disadvantages

1. Rs.499 Annual fee
2. Income – Rs. 6 lakh and above per annum

IndianOil Citibank Credit Card
IndianOil Citibank Credit Card

Mastercard37.8%Card replacement charge - Rs.100See website for detailsNoN/A2%N/AN/ANoIndianOil Citibank Credit Card
Love to go on long drives and want to get fuel for many of them? Redeem Reward Points for free fuel - only on the IndianOil Citibank Credit Card.
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Fuel card


Advantages

Advantages

Free fuel, your IndianOil Citibank Silver Credit Card comes with a powerful Rewards Program - Turbo Track:
1. Earn 3 Turbo Reward Points for every Rs. 200 of Fuel purchases at IndianOil Retail Outlets across the country. Just ask for a Citibank charge slip.
2. Earn 1 Turbo Reward Point for every Rs. 200 of spend every time you use your IndianOil Citibank Silver Credit Card.
3. Redeem your Turbo Points for free fuel at select IndianOil Retail Outlets across the country @ 1:1.
4. 0% Fuel Surcharge - Rising fuel prices need not be a cause of concern for you anymore. Get a fuel surcharge waiver every time you tank up at IndianOil Outlets. All you have to do is use your IndianOil Citibank Silver Credit Card and the 2.5% surcharge will be waived off. Just make sure that you ask for a Citibank Charge slip. Go ahead and enjoy your drive!


Disadvantages

Disadvantages

1. Late Payment charge- Rs.300 for bills up to Rs.10000, Rs. 600 for bulkls from Rs. 10001 - 25000 and Rs.700 for bills above 25000
2. Over credit limit charge - 2.5%
3. Petrol Transaction Charge - 2.5% (subject to a minimum of Rs.10) Waived at Indian Oil outlets for transactions done on Citibank EDC.

Citbank PremierMiles Credit Card
Citbank PremierMiles Credit Card

Mastercard2.5% (monthly)Rs. 0Ask on applicationNoN/A2%0%2.5% (monthly)NoCitbank PremierMiles Credit Card
Experience the freedom to redeem at over 50 domestic and international Airlines and hotels. Transfer your Miles to the airline of your choice from our 6 international and domestic airline partners. We welcome you with 2 complimentary domestic Airline tickets+. Additionally get up to 3 complimentary domestic Airline tickets.
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1. Premier Complimentary Air Tickets
2. Premier Access to Lounges
3. Premier Privileges
4. Premier Peace of Mind
5. Premier Partners


Advantages

Advantages

1. Assured 2 complimentary air tickets to anywhere in India*
2. Earn up to 3 more complimentary air tickets based on spends*
3. Earn 10 miles for every 100 spent* on all airlines and 2.5 miles on all other spends
4. Redeem miles instantly at www.premiermiles.co.in for airline tickets, hotels and car rentals
5. Access to over 700 VIP Lounges in airports across the world


Disadvantages

Disadvantages

1. Late Payment Charges (per month) Rs. 100 per month
2. Over Credit Limit Charge 2.5% of the amount over the Credit Limit (Subject to a minimum of Rs.500)
3. Cheque/ECS Bounce Charge Rs.250 per returned cheque/ECS
4. Petrol Transaction Charge 2.5% (subject to a minimum of Rs.10)
5. Foreign Currency Transactions Mark Up of 3.5%

Kotak Trump Card
Kotak Trump Card

Visa Card3.10% (Monthly)Rs.499 p.a.Ask on applicationNoUp to 10%3.1%0% (3 Months)3.10% (Monthly)NoKotak Trump Card
The Kotak Trump Card provides the executive with unbeatable features in dining, entertainment and other personal needs, making it the perfect card for personal use. Annual Fee Rs. 499.
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Save Rs.5000 or more annually


Advantages

Advantages

1. 10% Cashback across all restaurants
2. 10% Cashback on movies and plays
3. Zero charge EMI


Disadvantages

Disadvantages

1. Annual fee Rs.499
2. Income – Rs. 3lakh and above per annum

Credit Cards - Lastest News News and Charts

The Pros And Cons Of Reward Credit Cards
16 May 2012 16:00
Victoria Wedderburn
A rewards credit card offers a variety or rewards which could be cashback programmes, airmiles and a variety of other offers and discounts on things like hotel stays and clothing. A reward credit card can therefore help your money go further.
Read More >>
India’s Inflation Rates Surges To 7.23%
15 May 2012 16:00
Mark Maffia
The Ministry of Commerce and Industry said that India’s inflation rate surged to 7.23% in April amid higher prices of foods items, fuels and manufactured goods, well above expectations and reversing the downward trench of recent months.
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UN Report – India’s Economy To Grow 7.5%
11 May 2012 20:00
Victoria Wedderburn
A United Nation report has said that India is expected to see a growth of 7.5% this fiscal year despite most of the Asia-Pacific economies likely to expand at a slower pace.
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What Do You Need To Know About Credit Cards?
08 May 2012 16:30
Crage Campbell
Credit cards have lots of benefits and they are quickly becoming one of the most popular financial products across India. Not only are they convenient and easy to use, many credit cards automatically insure your online purchases.
Read More >>
India and South Africa To Improve Social, Cultural and Economic Ties
02 May 2012 10:00am
Crage Campbell
Indian President Pratibha Patil has met with President Jacob Zuma in Pretoria ahead of business forum on economic links between the two countries. India’s President said that finding business opportunities in South Africa will be the aim of the delegation.
Read More >>