People always prefer to glimpse on the most used credit cards in India before applying for new credit card. Reason being is people believe people those who have used them.
Credit Card is a chip based plastic card issued by the credit card company based on CIBIL score and credit history. Credit Card is loaded with certain limit which you can spend on your personal expenses like grocery, utility bill payment, Mobile- Cable recharge or can swipe on Shopping malls and fashion showrooms.
We will be talking about 20 most used credit cards in India that people have already been using for such life style expenses and entertainment usages.
Everyone would have received a call for Credit Card from Credit Card Company. Well, Credit Card companies buy the prospective customers/ clients data from various departmental stores, online application programmers or marketing agencies.
Nevertheless, It’s not important but it is totally our responsibility we should not share our most confidential data.
20 Most Used Credit Cards in India.
Mere applying for credit card will not help you enjoy the benefit of credit card usage hence we recommend 20 most used credit cards in India that you can opt for because of its advantages and rewards.
However, mere applying for credit card without proper credit history and good CIBIL report will lead to rejection of your application. Ensure your CIBIL score report and credit history match credit card criteria before applying for most used credit cards in India.
Credit Card company may levy AMC ( Annual Maintenance Charges) on your credit card either at the time of issuance or annually. However, in some cases it won’t levy AMC if you have utilized credit card to certain limit that mentioned in Terms and Conditions of that particular card company website or brochure.
1.SBI Prime Credit Card
SBI Card offers SBI Prime Credit Card to the selected customers but SBI Prime Credit card are having more benefits compared to other SBI Cards.
SBI Prime credit card is offered on the annual fees of ₹ 2999+ Taxes . However, you will be getting welcome gift voucher of ₹ 3000/ that you can redeem on brands like shopper stop, Bata, Hush Puppies, Pantaloons, Aditya Birla Fashions and Yatra.com.
SBI Prime Credit Card Privileges:
- Welcome Gift of ₹ 3000/- redeemable at various brands like Shopper Stop, Bata, AB fashions, yatra.com
- SBI Prime Card help you earn 2 reward points per ₹ 100 spent on retail spent except fuel. Fuel surcharge of 1% discounted if you spend between 500 to 4000 rupees on fuel.
- Complimentary Pizza Hut Voucher of ₹ 1000/- if ₹ 50,000/- spent in a quarter.
- You can save your renewal charges if you spend of ₹ 3.00 lacs per year.
- Additionally, you are eligible for e gift voucher of ₹ 7000/ from Yatra.com/ Pantaloons If you happen to spend Rs 5.00 lacs or more. ₹
- Club Vistara Membership is a complimentary gift with SBI Prime Credit Card.
- 4 International Complimentary Lounge Access and 8 Domestic Lounge Access.
- Apart from these, You can earn 20 reward points per 100 spend on your Birthday occasion.
2. Regalia Credit Card from HDFC Bank, a Reward Points Credit Card
Regalia Credit Card is HDFC’s luxurious reward card. HDFC Regalia Credit Card is available on the joining fees of ₹2500 Plus applicable GST. It offers welcome benefit of ₹ 2500 reward points and renewal benefit of ₹ 2500/- only if you have paid the fees. The same is not applicable in case the renewal fees are waived off.
Any Salaried person having NMI ( net monthly income) of ₹ 1.00 lacs or more or self employed whose ITR is greater than ₹ 12.00 lacs could apply for HDFC Bank’s Regalia Credit Card.
With this card, applicant is going to have 12 Complementary Airport lounge Access in India and 6 outside India.
HDFC Regalia Credit Card comes with additional features like Zero Lost Card Liability, Foreign Currency Markup and Revolving Credit. It also offers to convert big purchases into EMI after purchasing. If you happens to spend 3.00 lacs in calendar year, your renewal fees are waived off.
Being a Reward Points Credit Card, it earns 4 reward points on every ₹ 150 spent on all retail purchases. Once your spending reaches ₹ 5.00 lacs , Bonus 10,000 Reward Points are added to the card. And if you happen to spend ₹ 8.00 lacs , additional bonus points 5000 will be added.
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