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Reward Rates:

  • 5.00%

    Earn 5% cashback on Movie, Grocery and Bill Payments.

  • 0.50%

    Earn 0.50% cashback on other transactions.

Introductry Benefits
Rs. 250/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 0/-

Cashback on Movies

Save 5% as cashback on movie ticket purchases.

Cashback on Grocery Items

Save 5% as cashback on purchasing grocery items.

Reward Rates:

  • 1.20%

    Earn 12 points on every Rs. 200 spent on international transactions.

  • 0.60%

    Earn 6 points on every Rs. 200 spent on domestic transactions.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 0/-
Annual Fee
Rs. 0/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 6.67%

    Earn 10 Reward Points on hdfcinfinia.com, dining, and flight bookings.

  • 3.33%

    Earn 5 Reward Points on regular spend.

Introductry Benefits
Rs. 10000/-
Joining Fee
Rs. 10000/-
Annual Fee
Rs. 10000/-
Annual Rewards
Rs. 10000/-

Airport Lounge Access

Get complimentary Priority Pass international lounge access along with VISA/Mastercard domestic lounge benefits.

Complimentary Golf Games

Get Complimentary Golf Games at leading courses across worldwide.

Reward Rates:

  • 3.75%

    Earn 15 points on air india flight booking for primary cardholder.

  • 1.25%

    Earn 5 points on air india flight booking for others.

  • 0.50%

    Earn 2 points on other spend.

Introductry Benefits
Rs. 1250/-
Joining Fee
Rs. 1499/-
Annual Fee
Rs. 1499/-
Annual Rewards
Rs. 500/-

Lost Card Liability Cover

Get complimentary lost card liability cover of Rs. 1 Lac.

Milestone Bonus Rewards

Earn reward points worth upto Rs. 3,750 on spending Rs. 2 Lacs or above annually.

Reward Rates:

  • 7.5%

    Earn 30 points on air india flight booking for primary cardholder.

  • 2.5%

    Earn 10 points on air india flight booking for others

  • 1%

    Earn 4 points on other spend.

Introductry Benefits
Rs. 5000/-
Joining Fee
Rs. 4999/-
Annual Fee
Rs. 4999/-
Annual Rewards
Rs. 1250/-

Lost Card Liability Cover

Get complimentary lost card liability cover of Rs. 1 Lac.

Milestone Bonus Rewards

Earn reward points worth upto Rs. 25,000 on spending Rs. 5 Lacs or above annually.

Reward Rates:

  • 4.50%

    Earn upto 9 Reward Points on travel bookings at American Express Travel Online.

  • 0.50%

    Earn 2 Membership Rewards Point on each Rs. 100 spend.

Introductry Benefits
Rs. 1000/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 4500/-
Annual Rewards
Rs. 0/-

Monthly Bonus Reward Points

Earn Reward Points worth Rs. 250 on completing 6 transactions worth Rs. 1000 each month.

Complimentary Travel Benefits

Get free benefits like room upgrade and hotel credit at selected hotels.

Reward Rates:

  • 1.25%

    Earn 5 PAYBACK Points against MakeMyTrip transactions.

  • 0.50%

    Earn 2 PAYBACK Points against all other purchases.

Introductry Benefits
Rs. 2000/-
Joining Fee
Rs. 750/-
Annual Fee
Rs. 1500/-
Annual Rewards
Rs. 0/-

Discount on Travel

Save 5% on travel bookings through MakeMyTrip

Discount on Hotel Bookings

Save up to 70% on hotel bookings through MakeMyTrip.com

Reward Rates:

  • 0.50%

    Earn 1 Membership Rewards Point on each Rs. 50 spend.

Introductry Benefits
Rs. 1000/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 4500/-
Annual Rewards
Rs. 0/-

Monthly Bonus Reward Points

Earn Bonus Points worth Rs. 250 on completing 4 transactions worth Rs. 1000 each, every month.

Save on Dining

Get upto 20% discount on dining at partner restaurants.

Reward Rates:

  • 0.50%

    Earn 2 PAYBACK Points on each Rs. 100 spend.

Introductry Benefits
Rs. 750/-
Joining Fee
Rs. 750/-
Annual Fee
Rs. 1500/-
Annual Rewards
Rs. 0/-

Save on Dining

Get upto 20% discount on dining at partner restaurants.

Reward Rates:

  • 1.89%

    Earn 3 Points on each Rs. 40 spent on international transactions.

  • 0.63%

    Earn 1 Point on each Rs. 40 spent on regular transactions

Introductry Benefits
Rs. 40000/-
Joining Fee
Rs. 60000/-
Annual Fee
Rs. 60000/-
Annual Rewards
Rs. 0/-

Complimentary Membership to Premium Hotels

Get complimentary membership to premium partner hotels like Taj, Marriott and Hilton.

Complimentary Dining Privileges

Get free membership to EazyDiner Prime, Club ITC Culinaire and Taj Epicure dining programmes.

Credit Cards

Credit card is a type of unsecured finance which you can access anytime using a physical or virtual card offered by the credit card providers. Unlike debit card, a credit card holder is assigned with a credit limit based on their credit history and risk profile.

A credit card is quite handy when it comes to fulfill the demands of one’s finance needs be it for any particular reason. As compared to loans, borrowers don't need to state the reason of their purchases and most importantly no need to wait for the processing of the finance from the lender side.

Credit Card Interest Rates

At a glance

Banks/FIs

APR (Annual Interest)

23.88% - 42.00%

8.80% - 10.15%

American Express

40.20% - 47.88%

SBI Cards

30.00% - 40.20%

Axis Bank

35.40% - 39.00%

ICICI Bank

23.88% - 42.00%

Citibank

37.20% - 39.00%

RBL Bank

40.80% - 42.00%

Standard Chartered Bank

37.20% - 41.88%

Indusind Bank

21.48% - 45.96%

Kotak Mahindra Bank

29.88% - 42.00%

YES Bank

14.40% - 42.00%

HSBC Bank

23.88% - 39.60%

PNB Cards

29.40%

Andhra Bank

24.00% - 36.00%

Tata Cards

30.00% - 40.20%

Canara Bank

30.00%

IDBI Bank

30.00% - 40.80%

LIC Cards

39.00%

Bank of Baroda

31.20% - 39.00%

Indian Bank

19.92% - 23.88%

Federal Bank

30.00% - 40.20%

Corporation Bank

27.00% - 30.00%

Syndicate Bank

24.00%

UBI

15.60% - 22.80%

Bajaj Finance

Upto 47.88%

IOB

24.00%

Allahabad Bank

30.00% - 40.20%
Credit Limit

The current eligibility of a borrower for home loan, is what decides how much loan amount he/she will be able to lend from banks or financial institution. So, when it comes to calculating the eligibility of the borrower, banks and financial institutions use some principal factor to determine the eligibility of a borrower at the time of loan approval process. The principal factors which affects your home loan eligibility are as follows –