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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :24/10/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :24/10/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 24/10/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :24/10/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 24/10/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :24/10/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :24/10/2020

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Updated: 08-10-2020 06:28:02 AM

List of 10 Best Credit Cards in India for 2020

Top 10 Credit CardsAnnual FeeBest Suited ForMinimum Income Required#
The American Express Membership Rewards® Credit CardRs. 1,000*RewardsRs. 40,000 p.m. for applicants below 32 years of age; Rs. 50,000 p.m. for others
IndianOil Citibank® Platinum Credit CardRs. 1,000*FuelRs. 25,000 p.m.
HSBC Cashback Credit CardNilShoppingRs. 4,00,000 p.a.
Standard Chartered Super Value Titanium Credit CardRs. 750Shopping and CashbackRs. 55,000 p.m.
HDFC Regalia Credit CardRs. 2,500Travel and DiningRs. 90,000 p.m.
Amazon Pay ICICI Bank Credit CardNilShoppingCommunicated at the time of sourcing
SimplyCLICK SBI CardRs. 499*Online ShoppingRs. 20,000 p.m.
YES FIRST Preferred Credit CardNilPremium LifestyleRs. 1,20,000 p.m.
Citi PremierMiles Credit CardRs. 3,000*Air MilesRs. 25,000 p.m.
SBI Card EliteRs. 4,999*Travel and MoviesRs. 60,000 p.m.

*GST Extra
#Income shown is only for salaried applicants; income eligibility may differ for self-employed applicants based on the card issuer’s terms.

Finding the best credit card in India can be difficult as almost all major banks offer a number of credit cards that come with varied features and benefits. Some cards are made for shopping and hence they come with an excellent rewards program while there are other cards that are loaded with travel privileges. For a user, it may be difficult to pick the right credit card from a plethora of options available. So, to make the selection easier, here we have listed the top 10 best credit cards in India that might be useful for you.

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The American Express Membership Rewards® Credit Card
IndianOil Citi® Platinum Credit Card

The American Express Membership Rewards® Credit Card

Coming from the house of American Express, the Membership Rewards® credit card (MRCC) is ideal for those who want their every spend to be rewarded with redeemable points generously. Undoubtedly, MRCC is one of the best credit cards in India that makes spending rewarding for its users.

Annual Fee: Rs. 1,000 + GST
Renewal Fee: Rs. 4,500 + GST (waived off on spending Rs. 1.5 Lakh or more and 50% waived off on spending between Rs. 90,000 and Rs, 1,49,999)
Minimum Income Required: Rs. 40,000 p.m. for applicants below 32 years of age; Rs. 50,000 p.m. for others

  • Get 4,000 bonus Membership Reward Points as a welcome gift
  • Earn 1,000 bonus Membership Reward Points on making 4 transactions of Rs. 1,000 or more every month
  • On payment of annual membership fee in the second year, earn 5,000 bonus MR Points
  • Earn 1 MR point for every Rs. 50 spent on the card across all categories except fuel, utilities, insurance and cash advance
  • Redeem your rewards from the 18 Karat and 24 Karat Gold Collection program by American Express
  • Avail up to 20% discount at select restaurants in India
  • Enjoy other benefits like zero lost card liability, emergency card replacement and two add-on cards at no additional cost

Read American Express Membership Rewards Credit Card Latest Review

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IndianOil Citi® Platinum Credit Card

Indian Oil Citibank Credit CardIf you are concerned about the rising fuel costs and are on a active lookout for ways to save some bucks on it, then IndianOil Citibank Platinum Credit Card is what you should consider. This card features in top 10 credit cards in 2020 and comes with a host of other benefits as well that you can find out below.

Annual Fee: Rs. 1,000 + GST
Renewal Fee: Rs. 1,000 + GST (waived off on spending Rs. 30,000 or more)
Minimum Income Required: Rs. 25,000 per month

  • Get up to 71 litres of free fuel every year in the form of fuel surcharge waiver and turbo points
  • Earn 4 Turbo Points on every Rs. 150 spent on authorized Indian Oil Retail Outlets across the country
  • Get 2 Turbo Points per Rs. 150 on grocery and supermarket spends and 1 Turbo Point on all other spends
  • Accumulated Turbo Points never expire
  • Avail the exclusive concierge service by Citi Bank through which you can get various types of assistance on a call
  • Make payments by waving the card in front of a POS as this is a contactless card
  • Enjoy up to 15% off on dining spends at partner restaurants of Citi Bank

Read More about Citi IndianOil Card

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HSBC Cashback Credit Card
Standard Chartered Super Value Titanium Credit Card
HDFC Regalia Credit Card
Amazon Pay ICICI Bank Credit Card
SimplyCLICK SBI Card
YES FIRST Preferred Credit Card
Citi PremierMiles Credit Card
SBI Card Elite
How to Choose the Best Credit Card for You?
FAQs

HSBC Cashback Credit Card

HSBC Cashback Credit CardIf you are a shopping freak and like to make purchases every now and then, you should get a shopping credit card that offers either discounts or provides cashback. HSBC Cashback credit card is one such card that offers cashback on all your purchases. Let us have a look at some of the features of this credit card:

Joining Fee:  Nil
Renewal Fee: Rs. 750 + GST (Waived off on spending Rs. 1 Lakh in the previous year)
Minimum Income Required: Rs. 4,00,000 per annum

  • 2 domestic or international airport lounge access or 2 airport meal vouchers worth Rs. 400 each and Swiggy voucher of Rs. 250 as welcome benefits
  • 1.5% cashback on all online spends except wallet transactions
  • 1% cashback on all other spends
  • Zero joining fee
  • Cashback is also applicable on EMIs (Equated Monthly Instalments)
  • Up to 15% discount on dining at partner restaurants
  • Option to pay credit card dues in EMIs on balance transfer, Cash-on-EMI, Loan-on-phone, etc.
  • Partner offers from time to time on Big Basket, Amazon Pantry, MakeMyTrip, etc.
  • Zero lost card liability, emergency card replacement, global card access, cash advance, etc.

Read HSBC Cashback Credit Card Review

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Standard Chartered Super Value Titanium Credit Card

Standard Chartered Super Value TitaniumStandard Chartered Super Value Titanium credit card is designed especially for those who like to get something in return every time. You get cashback and rewards on all spends. This is one of those cards that offer cashback on fuel spends as well. Let us know more about this card below:

Annual Fee: Rs. 750 + GST
Renewal Fee: Rs. 750 + GST
Minimum Income Required: Rs. 55,000 per month

  • 5% cashback on fuel spends, phone recharges and utility bill payments
  • 1 Reward point on all other spends of Rs. 150
  • Complimentary Priority Pass Membership
  • Offers and discounts on shopping, travel booking, dining, etc. under Standard Chartered Good Life programme
  • Standard Chartered 360° Rewards Program for rewards redemption
  • Credit card balance transfer up to Rs. 5 Lakh from other cards at lower interest rate
  • Lifetime free add-on credit cards for family (spouse, children above 18 years of age, siblings and parents)

Know More about Standard Chartered Super Value Titanium Credit Card

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HDFC Regalia Credit Card

HDFC Regalia Credit CardIf you are looking for a credit card that offers something for every category, HDFC Regalia should be your first choice. It offers discounts on dining, offers on travel, has a good rewards program and a comprehensive protection plan. Let us find out more about HDFC Regalia credit card:

Annual Fee: Rs. 2,500 + GST
Renewal Fee: Rs.  2,500 + GST (waived off on spending Rs. 3 Lakh in the previous calendar year)
Minimum Income Required: Rs. 90,000 per month

  • Zomato Gold Membership for a year on spending Rs. 75,000 within first 3 months of issuance of the credit card
  • 2,500 Reward Points on payment of the joining fee and renewal fee every year
  • 12 complimentary domestic airport lounge access every calendar year
  • Up to 12 international lounge access every year for self and add-on member under Priority Pass Membership that can be activated on doing 4 retail transactions
  • 24×7 travel concierge service for booking, travel, late-night deliveries, etc.
  • Priority dining facility under Good Food Trail dining program at top restaurants across the country
  • 4 Reward Points every Rs. 150 spent on all retail spends including utility bills, insurance, education, rent, etc.
  • 10,000 Reward Points on spending Rs. 5 Lakh on the card and additional 5,000 points on reaching the milestone spends of Rs. 8 Lakh
  • 1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 5,000 at all petrol pumps in the country
  • Rewards redemption on flight and hotel booking, vouchers, gifts and products, etc. with 70% redemption of ticket fare for flight and hotel
  • Air accidental death cover of Rs. 1 crore
  • Emergency overseas hospitalization cover of up to Rs. 15 Lakh

Read HDFC Regalia Credit Card Latest Review 2020 

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Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Credit CardIf you shop at Amazon frequently then Amazon Pay ICICI credit card is made especially for you. You get huge discount on purchases and get cashback as well. Apart from Amazon purchases, you get cashback on other spends as well. The best thing about this credit card is that you get all these benefits free of cost as there is no joining fee or renewal fee on this card. Below-mentioned are the details of this credit card:

Annual Fee: Nil
Renewal Fee: Nil

  • 5% cashback on all purchases at Amazon for Amazon Prime customers in addition to existing offers
  • 3% cashback on all purchases for Non-prime customers
  • 2% cashback on purchases at Amazon partners and gift card purchases
  • 2% Reward Points on recharges, bill payments, etc.
  • 1% cashback on all other purchases
  • 1% fuel surcharge waiver on all petrol pumps across India
  • 1 Reward Point = 1 Rupee
  • No cost EMI on all purchases above Rs. 3,000 for 3 or 6 months
  • Additional cashback for Prime as well as non-Prime members as Amazon Pay balance
  • Reward points are automatically converted into Amazon Pay balance and credited to the Amazon account as Amazon Pay balance

Read Amazon Pay ICICI Bank Credit Card Latest Review

This card is not available at Paisabazaar.com

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SimplyCLICK SBI Card

SBI SimplyClick Credit CardIf you want to make maximum benefit out of your online spends then SimplyCLICK SBI Card is one of the best cards that you can opt for. It gives you up to 10X reward points along with discount offers on your online spends, which makes it most suitable for shopaholics.

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Annual Fee: Rs. 499 + GST
Renewal Fee: Rs. 499 + GST
Minimum Income Required: Rs. 20,000 per month

  • Get Rs. 500 gift voucher as the welcome gift
  • Earn 1 Reward Point on every Rs. 100 spent on the card
  • Get 5X Rewards on all online spends and 10X Rewards on making online spends with exclusive partners of SBI Card
  • Enjoy 1% fuel surcharge waiver on fuel transactions worth Rs. 500 to Rs. 3,000 subject to a maximum waiver of Rs. 100 per billing cycle
  • Spend Rs. 1 Lakh in a year and get the annual fee of Rs. 499 reversed
  • Take benefit of the contactless feature and make payment by just waving the card in front of a POS terminal

Read SBI SimplyCLICK Credit Card Review

YES FIRST Preferred Credit Card

Yes First Preferred Credit CardYES FIRST Preferred Credit Card is a premium card well-suited to the needs of frequent travellers and shoppers. The card also offers generous rewards with every purchase which can later be redeemed to get vouchers, merchandise or Intermiles. Here are some key highlights of this YES Bank credit card:

Annual Fee: Nil
Renewal Fee: Nil
Minimum Income Required: Rs. 1,20,000 per month

  • Welcome gift of 10,000 reward points on making the first purchase within 90 days of card activation
  • Get renewal benefit of 7,500 reward points every year on the payment of renewal fee
  • Earn 4 reward points per Rs. 100 across all categories
  • Earn 2X rewards on Travel Agencies & Tour Operators, Domestic Airlines and Dining
  • Redeem rewards to buy products from an exclusive catalogue or to book flight/hotel/movie tickets from YES Bank’s dedicated website (1 Reward Point = Re. 0.25)
  • Covert reward points into Intermiles in 4:1 ratio
  • Get exclusive golf benefits under Mastercard World Golf Programme; get waiver of 3 green fees at select golf courses and 1 complimentary lesson per month
  • Enjoy complimentary Priority Pass Membership along with 4 free visits in a year
  • Avail dedicated concierge service and automobile assistance via YES ASSIST
  • Enjoy a preferential foreign exchange markup fee of 1.75% only
  • Enjoy 25% off on movie ticket booked through BookMyShow
  • Get complimentary insurance covers including life cover, medical insurance and credit shield cover

Read Full Review of YES FIRST Preferred Credit Card

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Citi PremierMiles Credit Card

Those who don’t mind shelling some money on their credit card fee in exchange for exclusive travel benefits like air miles on every spend, lounge access, discounts and other travel deals can apply for Citi PremierMiles Credit Card which is one of the top credit cards in India for travel.

Annual Fee: Rs. 3,000 + GST
Renewal Fee: Rs. 3,000 + GST
Minimum Income Required: Rs. 25,000 per month

  • Spend Rs. 1,000 or more within 60 days of card issuance and get 10,000 Bonus Miles
  • Get additional 3,000 Miles on card renewal
  • Earn 4 Miles for every Rs. 100 spent across all categories
  • Earn 10 Miles for every Rs. 100 on transactions made with any airline in the world
  • The accumulated air miles never expire
  • Get complimentary access to airport lounges in India and across the globe
  • Transfer Miles to the Frequent Flyer Programs of different airline partners in 2:1 ratio

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Citi PremierMiles is among the Best Travel Credit Cards in India

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SBI Card Elite

SBI Elite Credit CardSBI Card Elite is a perfect companion to your elite lifestyle as it comes with exclusive shopping vouchers from some premium brands as welcome gift along with movie tickets benefit, accelerated reward points, complimentary lounge visits, club Vistara membership and more. Some benefits of this top credit card for 2020 are as follows:

Annual Fee: Rs. 4,999 + GST
Renewal Fee: Rs. 4,999 + GST
Minimum Income Required: Rs. 60,000 per month

  • Get welcome e-gift voucher worth Rs. 5,000 from Yatra, Bata/Hush Puppies, Pantaloons, Shoppers Stop and Marks & Spencer
  • Get free movie ticket worth Rs. 6,000 in a year in the form of Rs. 250 vouchers in a month
  • On reaching annual spends of Rs. 3 Lakh and 4 Lakh, get 10,000 bonus reward points
  • Earn 2 Reward Points per Rs. 100 on all categories except fuel
  • Accelerate your reward earnings 5 times when using the credit card for grocery, dining and departmental store purchases
  • Get access to over 1,000 airport lounges across the globe with a complimentary Priority Pass Membership
  • Get 6 complimentary international airport lounge visits in a year subject to maximum 2 visits per quarter and 2 complimentary domestic lounge visits
  • Enjoy complimentary Club Vistara Membership

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How to Choose the Best Credit Card for You?

When you start your search for the best credit card in India, you will come across multiple top credit cards with different types of features. With so many options at hand, it is easy to get confused.

You should always look for a credit card that matches your spending habits. Broadly, there are 5 steps to choosing the best credit card for you. These steps are:

  • Know the purpose of getting a credit card

You must identify the need for you to get a credit card. Majorly, there are three reasons why people would need a credit card- to build credit from scratch, to get a higher credit limit to be able to make bigger purchases and to avail offers across various spending categories. The best credit card for you would be the one that matches your need.

  • Understand your eligibility for credit cards

Once you clearly know why you want a credit card, you should then understand your own credit profile and which credit cards you may be eligible for. For example, you may want a credit card that offers exciting travel benefits but your income may be low for the card. So, you must ensure that the card you apply for has good chances of approval. At Paisabazaar, you get credit card suggestions based on your credit profile and income. Click here to start the search for the right credit card.

  • Shortlist Credit Cards

Based on your eligibility, you can shortlist a few credit cards. This will narrow down your search for the right card. To shortlist the cards, you can ask yourself some basic questions like whether you can afford its annual fee or whether it matches your core needs.

  • Pick one that offers the best value

From the shortlisted credit cards, pick one that offers you the highest value overall. Take a futuristic approach here. Ask yourself whether you would like to use this card 5 years down the line. See if the bank offers an option to upgrade to another card later.

  • Choose how to apply

You can either directly apply through the bank’s website or through a third party website. With the latter, you get the option of comparing the cards from different banks to find the best credit card for you.

FAQs

Which bank credit card is the best in India?

Some of the most popular banks offering credit cards in India are HDFC, SBI Card, ICICI, Amex, Axis, Citibank, Standard Chartered Bank and Kotak Mahindra Bank. However, the best credit card for you would be the one that matches your needs. To make your search easier for you, we have listed some of the best and most popular cards in India above. Jump to credit card list.

Which credit card is best for online shopping in India?

Some of the best credit cards for online shopping in India are SBI Simply Click Credit Card, HDFC Moneyback Credit Card, Axis Bank Neo Credit Card and ICICI Amazon Credit Card.

Do all best credit cards in India charge high annual fee?

No. There are some credit cards with best offers in India that are either free for lifetime or charge a minimal annual fee. A few examples include HDFC Moneyback, HSBC Platinum, ICICI Amazon Pay Credit Card and Citi Cashback Credit Card.

Which credit card in India has the best rewards program?

Almost all credit cards in India offer reward points with every purchase. But some credit cards offer higher reward points with certain purchases and they have multiple redemption options. Click here to read about the best rewards credit cards in India.

Which credit card in India is best for travel?

A lot of banks offer travel credit cards in India with benefits like complimentary airport lounge access, air tickets, extra rewards, air miles and more. Some good travel credit cards are HDFC Regalia Credit Card, Axis Bank Vistara Credit Card, Citi PremierMiles Credit Card and American Express Platinum Travel Credit Card. Click here to read about the best travel credit cards in India.

American Express®® Credit Card
(4.1/5 ) 29460 Reviews
Write a review
Mar 9, 2020
5/5
EXCELLENT

Membership rewards card is the best card compared to any card of any other bank. I mean which bank gives you 1000 points by just making 4 transactions in 1 calender month ...? none amex roxx and the cx care is next level no other bank is even 10% of amex cx care ......without thinking twice just go for it

Jan 13, 2020
2/5
Very Basic Card

No extra rewards or benefits. Only basic features. Could have been better.

Jan 13, 2020
4/5
Liked it

SBI Simply Click is a good card for online shopping. I get a lot of rewards. Recommended!

Jan 3, 2020
4/5
Low Annual Fee

The only credit card from American Express that comes with low Annual fee of Rs. 495 but offers amazing list of cashbacks and rewards that make it worth having

Jan 3, 2020
5/5
A perfect travel card

My job keeps me on my toes with frequent travels, thanks for American Express Platinum Travel Credit Card I get to enjoy lounge access on the days when my flights are painfully delayed

Jan 3, 2020
4/5
Good for rewards

Ever since i have got this card my spending have become rewarding with amazing rewards program that Amex membership rewards card offers.

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