Credit Card
Benefits
 

Shopping Credit Cards


Essentia Platinum Credit Card Essentia Platinum Credit Card
Essentia Platinum Credit Card 3.5

Earn 10% Savings on Departmental & Grocery Store spends.

Spend Rs. 1,25,000 every 6 months and get 6 free PVR tickets OR 1200 Reward Points.

Annual Fee

1st Year Fee: ₹1499

2nd Year Fee: ₹749

Features

Earn 10% Savings on Departmental & Grocery Store spends.

Spend Rs. 1,25,000 every 6 months and get 6 free PVR tickets OR 1200 Reward Points.

Documents

KYC-PAN, Address proof and ID Proof.

One photograph.

Salary slip/Form 15

RBL Platinum Delight Credit Card RBL Platinum Delight Credit Card
RBL Platinum Delight Credit Card 4.5

Welcome Offer: Earn 2000 Reward points on 1st card swipe + pay joining fee before due date(except fuel).

Earn 2 reward points for every Rs.100 spent on all your purchases.

Earn 1000 bonus rewards on card swipe 5 times in a calender month for transaction worth Rs.1000.

Annual Fee

1st Year Fee: ₹1000

2nd Year Fee: ₹1000 (Reversed if spend in previous year crosses Rs.1.5 Lacs)

Earn 4000 Reward points on first transaction within 60 days.

Features

Welcome Offer: Earn 4000 Reward points on 1st card swipe + pay joining fee before due date(except fuel).

Earn 2 reward points for every Rs.100 spent on all your purchases.

Earn 4 Reward Points for every Rs.100 spent during the weekends.

Earn 1000 bonus rewards on card swipe 5 times in a calender month for transaction worth Rs.1000.

0% Fue Surcharge on transaction between Rs 500 - Rs 4000, Maximum waiver of Rs 150 per month.

Redeem reward points against air travel, hotel stays, shopping vouchers and much more.

Add on Card Free

Documents

For Salaried Person (Latest 2 months Payslip, Visiting card, Latest 3 salary credit statements) & Photograph & Adress Proof & ID Proof.

For Card to Card Apply Documents (Latest credit card statement with 30,000 limit abd avail limit of 20% with no late fees) & Photograph & Adress Proof & ID Proof.

Charges

APR up to 3.5% p.m. (42.00% p.a.)

APR up to 3.4% p.m. (40.80% p.a.) for Insignia and IGU NHS Golf Cardmembers

Cash Advance Transaction fee: 2.5% (min Rs. 300) of the cash amount.

Call-a-draft fee: 2.5% (min Rs. 300) of the draft amount.

Overdue Penalty / Late Payment Fee: 15% of Total amount due (Min Rs. 350, Max Rs. 1000).

Over Limit Penalty: Rs.600.

Table For reference
Savings Illustration:
Spends Category Savings on 1 Lac Savings on 2 Lac
Shopping 114 228
Fuel 114 228
Travel 228 456
Other Exp 178 355
Spend Rewards 634 1267
Purchase Reward Points 1500 3000
Welcome Points/Rewards 1000 1000
Fuel waiver 180 360
Aditional Incentives 2680 4360
Less Joining Fee 1000 1000
Net Savings 2314 4627
Disclaimer: Savings of 10% has been assumed on dining spends at partner outlets of bank
RBL Platinum Maxima Credit Card RBL Platinum Maxima Credit Card
RBL Platinum Maxima Credit Card 5

Welcome Offer: Earn 8000 Reward points on 1st card swipe + pay joining fee before due date.

Earn 2 reward points for every Rs.100 spent on all your purchases.

Earn extra 10000 bonus rewards on total spend Rs.2 lakhs or more in a year.

Annual Fee

1st Year Fee: ₹2000

2nd Year Fee: ₹2000

Welcome Offer: Earn 8000 Reward points on 1st card swipe + pay joining fee before due date.

Features

Welcome Offer: Earn 8000 Reward points on 1st card swipe + pay joining fee before due date.

Earn 2 reward points for every Rs.100 spent on all your purchases.

Earn 5X Rewards on dining, entertainment, utility bill payments,fuel and international purchases.

Earn extra 10000 bonus rewards on total spend Rs.2 lakhs or more in a year.

Buy 1 get 1 Free movie tickets on Bookmyshow once a month, Maximum Rs 200 discount on 1st ticket price.

Documents

For Salaried Person (Latest 2 months Payslip, Visiting card, Latest 3 salary credit statements) & Photograph & Adress Proof & ID Proof.

For Card to Card Apply Documents (Latest credit card statement with 30,000 limit abd avail limit of 20% with no late fees) & Photograph & Adress Proof & ID Proof.

Charges

APR up to 3.5% p.m. (42.00% p.a.)

APR up to 3.4% p.m. (40.80% p.a.) for Insignia and IGU NHS Golf Cardmembers

Cash Advance Transaction fee: 2.5% (min Rs. 300) of the cash amount.

Call-a-draft fee: 2.5% (min Rs. 300) of the draft amount.

Overdue Penalty / Late Payment Fee: 15% of Total amount due (Min Rs. 350, Max Rs. 1000).

Over Limit Penalty: Rs.600.

Table For reference
Savings Illustration:
Benefits & Description Monthly Spends Annual Reward Points
Welcome Benefit - 8000
Dining Spends Rs.6,000 7200
Entertainment Spends Rs.3,000 3,600
Utility Bills Rs.6,000 7,200
Fuel Spends Rs.6,000 7,200
International Spends - 15,000
Other Spends Rs.10,000 2,400
Spend Rs.2 lakhs in a year - 10,000
Spend Rs.3.5 lakhs in a year - 10,000
Total Reward Points Earned - 70,600
Disclaimer: Savings of 10% has been assumed on dining spends at partner outlets of bank
Standard Chartered Platinum Rewards Card Standard Chartered Platinum Rewards Card
Standard Chartered Platinum Rewards Card 4

Earn 5 reward points for every Rs150 spent at fine-dining outlets.

Avail 20% Cashback on Uber rides, minimum monthly card spend over Rs.15,000.

Additional 1000 reward points on your first transaction.

Annual Fee

1st Year Fee: ₹250 (Renewal Fee to be waived on spending Rs. 30,000 in the Year.)

2nd Year Fee: ₹250 (Same process every year)

Additional 1000 reward points on your first transaction.

Features

Additional 1000 reward points on your first transaction.

Earn 5 reward points for every Rs150 spent at fine-dining outlets.

Earn 1 reward point for every Rs150 spent on all other categories.

Earn 5 reward points for every Rs150 spent on fuel.

Avail 20% Cashback on Uber rides, minimum monthly card spend over Rs.15,000.

Additional 500 reward points on registering for online banking.

Enjoy 100% cashback upto Rs 500 on Restaurant spends in first 90 days

Add on card free

Documents

KYC-PAN, Address proof and ID Proof.

One photograph.

Salary slip/Form 15

Charges

Over Limit Charges: Rs.500 per instance or 2.5% of the Overlimit amount. (Minimum Rs. 500).

Card Replacement Fee: Rs.250 per replacement.

Rewards Handling Charges: Rs.99 will be charged towards handling and courier charges for redemption of reward points.

Cash Advance Fee ATM withdrawals: 3% of cash withdrawal amount (minimum Rs.300)

Standard Chartered Manhattan Platinum Card Standard Chartered Manhattan Platinum Card
Standard Chartered Manhattan Platinum Card 4.5

Earn 5% cashback on every Rs.150 spent at supermarkets and department stores up to a maximum of Rs.500 per month (max of Rs.150 per transaction). Minimum transaction of INR 1,000.

Avail 20% cashback on Uber rides. (Up To Rs.600 per month till 30th September 2018)

Get 3x rewards when you use your credit card for all other expenses.

Annual Fee

1st Year Fee: ₹999

2nd Year Fee: ₹999

Features

Earn 5% cashback on every Rs.150 spent at supermarkets and department stores up to a maximum of Rs.500 per month (max of Rs.150 per transaction). Minimum transaction of INR 1,000.

Earn 3x reward points per Rs150 spent on other categories.

Avail 20% cashback on Uber rides. (Up To Rs.600 per month till 30th September 2018)

Documents

KYC-PAN, Address proof and ID Proof.

One photograph.

Salary slip/Form 15

Charges

Over Limit Charges: Rs.500 per instance or 2.5% of the Overlimit amount. (Minimum Rs. 500).

Card Replacement Fee: Rs.250 per replacement.

Rewards Handling Charges: Rs.99 will be charged towards handling and courier charges for redemption of reward points.

Cash Advance Fee ATM withdrawals: 3% of cash withdrawal amount (minimum Rs.300)

All About Credit Cards

Shopping Credit Cards

We all love to shop and there is no denying. But one can add some fun to their shopping experience when they own a Shopping Credit card. These are valid for both online and offline purchases. Not only do they spare you from the task of carrying cash with you all the time, but also offer you reward points on your transactions. The shopping card reward/cashback points can be later redeemed to shop more. Along with the normal discount and cashback offers, Shopping Credit Cards also offer you freedom from fuel surcharges. The more you shop with these Shopping credit cards, the more reward you receive. Various banks have come up with different shopping credit cards that promise high cashback percentage. Some of the best shopping credit cards are: Simply SAVE SBI Card, Simply Click SBI Card and STYLEUP Contactless Card.