Credit cards are the financial instruments that bring in a lot of convenience in payments for various products and services. They can be utilized with great ease for both online and offline payments. These days, credit cards bring in a lot of added advantages in terms of offers, rewards, and other associated benefits. Newer cards with lots of features and branding are also launched frequently. 

There can be no standard card that can suit the needs of each and every individual. So, we bring to you some of the cards with the best features that would provide good value to you. 

1. HSBC Platinum Rewards Card 

This is a great card from HSBC in terms of excellent benefits, rewards, and discounts. The most important feature of this card is no joining or annual fees.  

Important features of the card are: 

  • The card is free for life and does not charge anything on joining as well 

  • 10% Cashback up to ₹2500 in the first 90 days of issuance 

  • Get ₹2000 Cleartrip voucher on your first transaction 

  • The card awards 3X Rewards on all spends at dining, hotels and telecom categories for the first 12 calendar months from the date of issue of the card 

  • Milestone benefits come in the form of 5 Times (5X) Rewards on subsequent purchases made after crossing spend the amount of ₹400,000 in a year up to a maximum of ₹1,000,000 in a year 

  • Entertainment ticket voucher worth ₹500 on spending over ₹50,000 in a calendar month is also available.  A maximum voucher amount of ₹3000 per cardholder in a year is allowed 

  • You can enjoy pleasant dining experiences with up to 15% off at over 1000 restaurants in major cities. The entire list of restaurants on this scheme can be found at Simply Indulge, the one-stop destination for all dining offers brought to you by HSBC 

  • Fuel Surcharge waiver at any fuel pump across India for transactions between ₹400 and ₹4000 subject to a maximum amount of ₹250 per calendar month 

The HSBC Visa Platinum Credit Card holder has nil lost credit card liability after reporting and registering the loss of the HSBC Visa Platinum Credit Card to HSBC. The credit card holder is also covered for misuse of his/her HSBC Visa Platinum Credit Card up to 24 hours before reporting and registering for up to ₹3,00,000. 

The annual APR for this card is 39.6% p.a 

2.   Indian Oil Citi Platinum Credit Card 

We spend a lot of time on the roads, traveling to work, getting back home and to other places, which means we spend a lot on fuel. With rising fuel prices, it makes sense for us to own cards that provide benefits on each refuel of your vehicle. Indian Oil Citi Platinum Card is one such card that provides good benefits on fuel spends.  

Important benefits and features of the card are 

  • Zero annual fee on minimum annual spend value of ₹30000, else a fee of ₹1000 is applicable 

  • One can save money on fuelling up at Indian Oil Outlets 

  • Earn 4 Turbo Points for every ₹150 (2.67%) of fuel purchased 

  • Full waiver of the fuel surcharge (1%) on fuel purchases 

  • 1 Turbo Point equals ₹1 worth of fuel 

  • Get 2 Turbo Points on every ₹150 spent at approved groceries and supermarkets 

  • Convert your Turbo Points to free fuel or redeem them easily in-store or online for exclusive products in lifestyle, leisure, and travel 

  • You could either redeem them instantly or collect them for something big later - it's a choice available to you with your Turbo Points that never expire. 

  • Make a call and get assistance with a whole lot of things that could save time for you. For details, refer to PRIVILEGES section 

  • The APR charged is 3.25% per month (39% per annum). This can change periodically based on your spend, payback and utilization patterns. 

  • Get dining privileges of 15% on this card across participating restaurants with your Citi credit card 

3.   SBI SimplyClick Credit Card 

This is the age of shopping online. There is a plethora of sites right from Flipkart to Myntra to Amazon to many more where you can shop anything and everything from a pin to furniture. While there are many cards that provide benefits and rewards on shopping at a retail outlet, cards with benefits for online shopping are a recent addition. SBI SimplyClick Credit Card is one such card that brings in benefits to the user. 

Important benefits and features of the card are 

  • Provides 10X benefits on using the card on the exclusive partner networks, like Amazon, Lenskart, BookMyShow, ClearTrip, Urban Clap and Food Panda among others 

  • Earn 5X rewards on all other online shopping 

  • The card comes with an annual and one-time joining fee of ₹499. The annual fee is waived off on annual spending of ₹1 lakh 

  • You can get ₹500 worth Amazon gift card on joining 

  • You can redeem the credit card reward points against e-gift vouchers from the SimplyClick Partners  

  • APR up to 3.35% per month, accounting to 40.2% per annum from the transaction 

  • Avail gift voucher of ₹2000 each on an annual spend of ₹1 lakh and ₹2 lakhs 

  • 1% fuel surcharge waiver for each transaction between ₹500 & ₹3000 (exclusive of GST, wherever applicable, & all other charges) 

  • 1% fuel surcharge waiver is available on each transaction between ₹500 and ₹3000 (Max capped at ₹100 pm)