I’m planning to get a new credit card and need suggestions on which one would be the best for everyday spending. I’m looking for a card that offers good value on regular expenses like groceries, dining, fuel, and online shopping. Cashback or reward points, low annual fees, and wide merchant acceptance would be ideal.
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Cashback SBI credit Card-
You will get 5% cashback on online and 1% on offline spends and 1% Fuel Surcharge Waiver across all petrol pumps in India.
Joining fee- Rs. 999
Annual Fee- Rs. 999 from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.
Finance charges- 42% p.a. (approx)
The basic eligibility criteria to apply for a CASHBACK SBI Card are as follows:
- You must be aged between 21 years and 70 years.
- You must be a salaried or a self-employed professional.
- You must have a good credit score.
- You must have a regular source of income.
For more details about the CASHBACK SBI credit card/or to apply you can checkout here-
https://www.sbicard.com/en/personal/credit-cards/rewards/cashback-sbi-card.page
HDFC Millennia Credit Card-
- 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
- 1% cashback on other spends
- ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
- 1% fuel surcharge waiver at all fuel stations across India
Fees-
Joining/Renewal Membership Fee – ₹1,000/- + Applicable Taxes
Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off .
Finance Charges- 45% p.a.(approx)
Eligibility Criteria-
For Salaried Individual-
Indian national
Age: Min 21 yrs & Max 40 Yrs,
Income: Net Monthly Income> ₹35,000
For Self Employed
Indian national
Age: Min 21 yrs & Max 40 Yrs, Income: ITR > ₹6.0 Lakhs per annum
For more detailed about the card/to apply you can visit-
Amazon Pay ICICI Credit Card-
Joining Fee- Rs. 0
Annual Fee- Rs. 0
Amazon Prime members receive 5% cashback; non-prime members receive 3% cashback.