Introduction:
We are the citizens of 21st century- the age of knowledge, technology and aspiration. And standing in such an exclusive age, our everyday lives are intertwined with a multitude of technologies which we have at our disposal, for our own convenience. Our world has changed rapidly in the past few years. Just in over a decade, everything has metamorphosed into a better tomorrow. And in this transition technology played a very important role, rather the most pivotal role. Today in our daily lives, we get everything at an arm?s distance. And mundane chores of yesteryears such as Shopping and banking have been easy to such an extent that labeling them merely as child?s play won?t suffice. Now behind all such transition, there are several pieces of the pie which have come together to achieve this wonder. And one of them is a rectangular piece of plastic, the credit card. Credit cards have not only dramatically eased our problems regarding monetary transactions, but along with it they have opened up altogether a new world for Shopping and other allied commercial ventures. Just imagine the situation before the advent of this rectangular piece of plastic; recall the situation at the banking sector. Nearly an entire day was wasted, standing and filing complex paper works just to withdraw your very own hard earned money! Thankfully today we don?t have to endure such plight and hardship, our accounts are accessible from anywhere around the world. This ease of transaction opened up a thousand opportunities for the sellers and merchants, and very soon credit card paired with another potent tool of today- the e-commerce and history was created.
Not only the e-commerce selling junctions, but the digital boom affected the traditional setups and stores as well. As the popularity of credit cards grew, banking giants were compelled to issue and expand their services to an ever growing number of happy and eager customers. And in this juncture the best minds of business came together and devised a plan to capture the market with just a pat! These banks began to tie up with the selling junctures and service providers. Understandings were made in such a way that it became a win-win situation for both the financers and the sellers. The tie-ups came into formation in such a manner that the customers or the end users began to get guaranteed offers on cash backs, discounts and other benefits. The e-commerce boom sustained riding on these agreements. For example Shopping from an e-commerce setup digitally would guarantee a cashback, or a lavish discount, which is unavailable if you buy using hard cash. And this boom in a very short amount of time consumed the entire globe and even in developing countries such as India began to experience this phenomenon. The newly emerging cities such as Hissar are growing on top of this digital Shopping boom. In order to enjoy all the nuances of the city life, one definitely have to subscribe to the new way of life.
Best credit cards for Shopping in Hissar - Apply Now
| Different Types of Credit Cards and Types | Joining Fee | Annual Fee |
|---|---|---|
| ICICI Bank™ Platinum Chip Credit Card | 0 | 0.00 |
| SimplyCLICK SBI Credit Card | 499 | 499.00 |
| SimplySAVE SBI Card | 499 | 499.00 |
| FBB SBI STYLEUP Contactless Card | 499 | 499.00 |
| ICICI Bank™ Coral Credit Card | 500 | 500.00 |
| SBI Card Prime | 2999 | 2999.00 |
| ICICI Bank™ Rubyx Credit Card | 3000 | 2000.00 |
| SBI Card ELITE | 4999 | 4999.00 |
| ICICI Bank™ Sapphiro Credit Card | 6500 | 3500.00 |
Chqbook Review
One of its kinds, the FBB SBI STYLEUP CONTACTLESS CARD is the ultimatechoice for the metro crowd. It not only helps to avail all that a metro city offers, but at the same time never weights heavy on the wallet
PROS
- You can always have your hands on ash, with over 24million ATM kiosks falling under the grid
- The easy pay facility of the FBB SBI STYLEUP CONTACTLESS CARD makes sure that you never miss a payment of your utility bills such as insurance, internet, telephone and so on. Moreover you can pay all of them at zero additional charge
- The FBB SBI STYLEUP CONTACTLESS CARD comes with flexi pay option, which enables you toconvert all your transaction into easy monthly segments
- The balance transfer option of the FBB SBI STYLEUP CONTACTLESS CARDenables you to transfer any other outstanding creditcard balance to your sbi card. And then on you can repay them under easy installments and lower rate of interest
- With the easy money facility towed with the card, you can always have money when you need. This facility you can get a draft or cheque against your credit limit
- The FBB SBI STYLEUP CONTACTLESS CARD is undoubtedly a global creation. You can use this card anywhere across the world, with over 24million stores falling under the grid
- There are over 3.25 lakh stores in India, from where you an avail immense discounts and other facilities using this card
- You an avail add-on cards for member of your family, given the fact he or she is above 18 years of age
- The card comes with an impressive replacement facility. It means that even if you lose your card in a foreign country, you will get an easy replacement. The 24X7 helpline is always at your service for emergency card replacement
- The card awards you a 10X reward point on all spending at Big Bazaar, fbb and Food Bazaar, along with the dining spending as mentioned earlier
- With the card, you can avail an anniversary gift of 2000 bonus points every year, which is redeemable at the fbb, Big Bazaar and Food Bazaar stores
CONS
- As the FBB SBI STYLEUP CONTACTLESS CARD ispivoted more towards fashion spending and urban usage, it is a bit weak for heavy daily usage. Although it has got a global footmark, yet its features might seem limited to a seasoned traveler
- The card lacks even in the domestic cluster in features such as domestic travel, airfares and so on. Health facility is also not well covered
Chqbook Review
The ICICI Bank's Coral Credit Card comes in cheap – at just a Rs. 500 annual fee, you can actually get this back in the first month itself by going for the 1+1 movie offer from BookMyShow™. Not only that, we also like that you can get your points converted to credit into your statement and the free quarterly visit to Domestic Airports and Railway Lounges are an added plus. Go for this card if you like Movies, travel once in a while and like earning points which actually translate to money.
PROS
- We love the 1+1 movie offer from bookmyshow™. It also helps that you can book tickets any day of the week.
- For someone who travels once in a while, the free access to domestic airport lounges with the ICICI Bank Coral Credit Card is a great plus. Also, its one of the few cards to throw in free access at Railway lounges too once in a quarter
- You can redeem your Payback™ points in cash which gets credited to your card account. With each Payback™ point worth ₹0.25, you are going to want to count each point!
- Mark all the HPCL petrol pumps on your map – the ICICI Bank Coral Credit Card allows you to get a 1% fuel surcharge waiver on all fuel transactions below ₹4000. Just make sure the card is swiped on an ICICI Bank swipe machine.
CONS
- The 1+1 movie offer from bookmyshow is on a first come first serve basis. If the quota for the day gets over, it can get frustrating.
Chqbook Review
The ICICI Bank™ Platinum Chip Credit Card is one of the best first credit card you can have. Not only it comes with zero joining fee and annual fee, its got everything going from Reward Points, fuel waiver etc. Go for this card if you are new to credit cards and want to get your feet wet.
PROS
- With no joining fee – it's one of the cheapest cards available and packs great features. Great Value for Money.
- We like that even the ₹199 Joining fee is waived off if your purchases exceed ₹2000 within 60 days of the card setup date and you work at select corporates1
- You get points through Payback – since other cards also use Payback you can actually see all your points adding up from different cards at one place.
- Mark all the HPCL petrol pumps on your map – the ICICI Bank Platinum Chip Credit Card allows you to get a 1% fuel surcharge waiver on all fuel transactions below ₹4000. Just make sure the card is swiped on an ICICI Bank swipe machine.
CONS
- The ICICI Bank Platinum Chip Credit Card does not come with any flight benefits or lounge access.
Chqbook Review
The ICICI Bank™ Rubyx Credit Card stands out for the benefits it gives for the fee it charges. From the get go, you get Welcome vouchers worth ₹5000 upon joining. Apart from that, the free movie tickets of upto ₹300 are an added bonus – this adds up to ₹7200 per year of savings, which itself is more than the annual fees. Ofcourse, this is just the start and the list of rewards is indeed long. Go for this credit card if you love shopping, movies and are looking for value for money.
PROS
- The ICICI Bank Rubyx Credit Card gives you Payback™ points – and they are redeemable for statement credit – a feature we absolutely love
- Another great thing is that each Payback™ point is worth ₹0.25 – which means you know exactly how much you can redeem them for at any point.
- Movie tickets – Free! – get 2 movie tickets each month worth ₹300 per ticket when you buy one ticket and you get the next one as part of this offer. You have to buy the ticket from bookmyshow™
- You save 15% every time you dine at a Culinary Treat participating restaurant. To find the participating restaurants, you can download the app or look up your favourite restaurants on the culinarytreats website.
- 1% fuel surcharge waived off on fuel transactions at any fuel outlet.
- Get 2 complimentary rounds/ lessons of golf every calendar month2 if the total retail spends on your card is equal to or more than ₹50,000 in the previous calendar month.
CONS
- One drawback we noticed is that if you are frequent traveller, 2 free visits to a Domestic Airport lounge may not be enough
- Start playing Golf! – it's a high point for the credit card, but if you are not a golfer, this feature might be lost on you2
Chqbook Review
The ICICI Bank™ Sapphiro Credit Card is one of the best cards for Shopping and Travel. From Statement Credit, to free movie tickets, this card has it all. We also love the DragonPass which allows you to access over 450+ airport lounges worldwide. You also get free access to Domestic Airport lounges 4 times each quarter – more than enough to keep anyone happy. Go for this card if you value points on Shopping, free movie tickets, free golf and access to airport lounges.
PROS
- The ICICI Bank Sapphiro Credit Card gives you more than you can ask for – with free movie tickets, complimentary airport lounge access and much more
- We like that you get 4 complimentary visits to Domestic Airport lounges per quarter – or 12 per year.
- If you enjoy Golf – this card gives you 4 complimentary rounds of Golf at a resort of your choice – every month!
- You will start checking restaurants listed with ICICI Bank after you get this card – with minimum 15% savings across 2500+ restaurants, who wouldn't!
- Did we hear free movie tickets? – get 2 complimentary movie tickets or event tickets worth ₹500 through bookmyshow™ every month!
- We always love statement credit – you can convert your PAYBACK™ points into cash by simply calling the ICICI Bank call center and redeeming them
CONS
- If we could fault something – it would be the lesser points on Fuel spends – 1 PAYBACK™ point for every ₹100 spent while for other spends you get 2 PAYBACK™ points for every ₹100 spent
Chqbook Review
If you are looking for a credit card that fits right with your desire to shop and live up life the way you want to, SBI Card Elite is the perfect kind of credit card for you from State Bank of India. With this card in your possession, you can expect the best experience, unmatched convenience and exciting offers and benefits with its use on paying for all of your spends
PROS
- To begin with, it has a welcome e-gift voucher worth ₹5,000 from reputed brands such as Shopper's Stop, Yatra, Marks & Spencers, Bata / Hush Puppies and Pantaloons
- It has a scheme of awarding 50,000 bonus reward points on annual spends with this card. You can also earn five times the amount of reward points every time you utilize this card to pay for such services as dining and spends on purchasing items from departmental and grocery stores
- It also provides a benefit on international spends, by providing the lowest foreign currency mark-up change
CONS
- The only kind of con or disadvantage that could present itself to a prospective cardholder is the fact that both the annual fee and joining fee of SBI Card Elite cost around a rupee shy of 5,000 bucks. This one facet might singularly deter a large number of prospective card owners, lest they don't possess the requisite financial means to maintain this card in the first place
- Another disadvantage that can be attributed to the card is that it is mostly focussed on providing benefits and rewards only when it is utilized by the cardholder to serve their interests to upgrade their shopping and general lifestyle choices, even though SBI Card Elite has the ability to give the cardholder to have access to airport lounges and to spend money when it in India. Under such factors, this card's sole disadvantage might be in it not being used to its full potential and being more or less out of reach for people having limited fiscal means
- Another, albeit minor, con associated with the card is that a person below 21 years of age is not eligible to apply for this card
Chqbook Review
Daily purchases now made easy with SBI Card PRIME. Simply wave your card at a secure reader to transact. In the quest for finding your destination for unparalleled convenience and ease of living the lifestyle of your dreams, SBI Card Prime is the best thing that you may come across. By far, it is one of those credit cards that is filled to the brim with exciting features and exquisite benefits.
PROS
- As has been stated, SBI Card Prime is indeed a prime example of a credit card that provides for immense comfort and luxury when it comes to procuring goods and services with ease
- It has a welcome gift e-voucher worth ₹3,000 from any of the following brands, viz., Yatra, Hush Puppies/Bata, Marks and Spencers, Pantaloons or Shoppers Stop
- Other such lifestyle deals include an e-voucher by Pantaloons or Yatra worth 7,000 rupees for spends of ₹5 lakhs
- Also, for quarterly spends of ₹50,000, Pizza Hut offers an e-voucher that is worth a thousand rupees
- All these incentivizing benefits, along with the relatively affordable joining and annual fees, make this a card that is advantageous to own
CONS
- Although the joining fee and the admission fee are more or less affordable, those who have a low paying job would prefer taking a credit card that costs less to maintain and renew
- Also, SBI Card Prime is for the most part, in the strict classification schema, a traditional lifestyle credit card that rewards the cardowner for taking certain lifestyle choices; though it has very minor travel features which we shall mention later on. It can be summarized that since it is for the most part a lifestyle card, it is preferable for people with more purchasing power to possess this card, which makes it out of reach for most individuals
- Another disadvantage that might be mentioned is that it has different slabs for different categories of applicants. For example, salaried individuals need to be at least 21 years old while self-employed individuals need to be at least 25 years old. On the other hand, pensioners have to be at the very least be 40 years old to apply for the credit card. This non-uniformity in application criteria further complicates the matter when it comes to choosing this card
Chqbook Review
For ₹1 lakh and ₹2 lakh spent online annually, customers receive e-gift vouchers valued at ₹2000 each. A very simple and compact, yet very powerful, credit card; the Simplyclick SBI Card is a must for every cardholder around. Although the Simplyclick SBI Card might not look much on first appearances, but as has always been, looks can be deceiving. It is a powerful and important card in its own right, and only by using it can one appreciate the truly ingenious nature of the people who have created the card in the first place
PROS
- The most glaring and obvious advantage of Simplyclick SBI Card is its very low and very affordable joining fee. This means almost anybody can get to possess the credit card without spending too much out of their own pockets
- Neither does one need a silver spoon to renew this card every year, since Simplyclick SBI Card's renewal fees cost the same amount as the joining fee itself, making it quite economical to own and utilize the accentuate your credit card experience
- Besides, it also offers a gift voucher from Amazon, worth ₹500 rupees, on joining
CONS
- However, as a card that is relatively small featuring comparatively minor benefits and features, Simplyclick SBI Card might appear as a redundant entity to many people, and they would not really want to spend their money on getting this card
- Another disadvantage is its complicated sets of eligibility criteria that is applicable for different sets of people. For example, if one is salaried, they need to be at least 21 years old to apply. In the case of a person who is self-employed, they need to be at least 25 years old in order to file an application. For pensioners, the minimum required age is 40, at which they can successfully apply for the card. Therefore, the sheer affordability of the card and the complex eligibility criteria do not quite gel well together and seem to be contradictory to each other, proving it to be a strange kind of disadvantage that might stand in its way of being chosen by prospective cardholders
Chqbook Review
This SimplySave SBI card does justice to its name, offering the user thousand and one option of saving his bucks, while maintaining his standard way of life
PROS
- With the SimplySave SBI card, you have access to your money; anytime and anywhere. With the help of the card you can withdraw money from any one of the 1million master card kiosks globally
- You can avail the easy pay facility to pay your utility bills such as insurance premiums, telephone bills, and internet bills easily. And for that you don't have to pay any extra charge
- Flexible EMI option is available with the SimplySave SBI Card
- Easy application for add-on card is now possible with the SimplySave SBI Card
- You can actually choose your own gift against the point redemption scheme. Infact you earn a reward point per transaction of ₹100. Credit cards were never this easy before
- Another innovative feature of the SimplySave SBI Card is the option to payback your credited amount with the collected reward points.
- If your transaction volume is or over ₹90,000 with the SimplySave SBI Card, then you don't have to pay the renewal fees
- The SimplySave SBI Credit Card has immense global acceptance. So as to say nearly 24million stores are connected to it on the global scale. So now where ever you go from Japan to France, you can efficiently use the card to enjoy all the flavors of the new land
- Over 3.25 lakh Indian stores are also connected with the SimplySave SBI Credit Card
CONS
- As the SimplySave SBI Card is more focused to a large range of general utility tasks, they lack specialization in certain fields. Such as travel
