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 Rupnagar 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 Rupnagar - Apply Now
| Different Types of Credit Cards and Types | Joining Fee | Annual Fee |
|---|---|---|
| ICICI Bank™ Platinum Chip Credit Card | 0 | 0.00 |
| Manchester United ICICI Bank™ Platinum Credit Card | 499 | 499.00 |
| ICICI Bank™ Coral Credit Card | 500 | 500.00 |
| HDFC Bank Bharat Credit Card | 500 | 500.00 |
| HDFC Bank Freedom Credit Card | 500 | 500.00 |
| Manchester United ICICI Bank™ Signature Credit Card | 2499 | 2499.00 |
| ICICI Bank™ Rubyx Credit Card | 3000 | 2000.00 |
| ICICI Bank™ Sapphiro Credit Card | 6500 | 3500.00 |
Chqbook Review
Enjoy Cashback on your everyday spends
PROS
- DIP your Chip Card at any Chip enabled POS or swipe your card at any non–chip POS (Regular POS).
- Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.
- Avail up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).
CONS
- Fire and Burglary protection along with accidental death insurance upto ₹50Lakhs is provided only after doing 4 transactions every month
Chqbook Review
Everything you explore will be rewarding
PROS
- You Earn incremental reward points depending on all purchases
- Do minimum 4 transactions using Credit card every month and get : Free Accidental Death Insurance upto 50Lakhs Free Fire and Burglary protection for goods above ₹5000 for 180 days
CONS
- There is a minimum spent of ₹150 to earn a reward point but this is to be expected as you get points on all purchases depending on categories
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
With an annual fee of ₹499, Manchester United ICICI Bank™ Platinum Credit Card is one of the most economical card available. This card comes with a 1+1 movie offers through BookMyShow™, dining discounts and exclusive Manchester United merchandise discounts. Complementary airport lounge access is a plus. Top spenders will receive an exclusively fully paid Manchester United Experience with a private tour of stadium and museum in Stretford, England and get a chance to watch the stars train
PROS
- The Manchester United ICICI Bank Platinum Credit Card brings you exclusive offers on Manchester United merchandise online/ at stores
- Get a Manchester United branded football on min transaction of ₹1000/month in the first quarter from the date of card issued
- Get 10% discount on merchandise from the Manchester United online store and associated partners in India
- Get buy 1 Get 1 offer, on first come, first-serve basis at BookMyShow™ website or app
- Save a minimum of 15% on your dining bill at over 2500 participating restaurants through the ICICI Bank Culinary Treats programme
- 1% fuel surcharge waiver valid on maximum spends of ₹4000 per transaction at all HPCL fuel pumps when the card is swiped on the ICICI Merchant Services swipe machines
- Enhance your travel experience with 1 complimentary airport lounge visits in India per quarter
- Top most spender every month, across cardholders from both variants, gets a signed Manchester United jersey* and match ticket
- Top 70 spenders, across cardholders, will get Manchester United branded shirt every month
- Top 18 spenders will receive an exclusively fully paid "Manchester United Experienceäóì with a private tour of stadium and museum in Stretford, England, chance to watch a part of a training session of the First Team Squad and a visit to Manchester United megastore
- Get upto 2 free movie ticktets as 1+1 offer on booking tickets online at www.inoxmovies.com, Inox app or visit the Inox box office
CONS
Chqbook Review
Live your passion! If you are fan of Manchester United or any other Football Premier league team, then Manchester United ICICI Bank™ Signature Credit Card is a must to have. This card comes with a loads of freebies and discount on exclusive merchandises. Top spenders get an exclusive Manchester United experience with a tour to stadium and museum in Stretford, England, along with quarterly lounge access
PROS
- The Manchester United ICICI Bank Signature Credit Card brings you exclusive offers on Manchester United merchandise online/ at stores
- Get a Manchester United branded Holdall and Football on joining
- Get 10% discount on merchandise from the Manchester United online store and associated partners in India
- You can save upto ₹7,200 with the BookMyShow Buy 1 Get 1 offer, on first come, first-serve basis
- Save a minimum of 15% on your dining bill at over 2500 participating restaurants through the ICICI Bank Culinary Treats programme
- 1% fuel surcharge waiver valid on maximum spends of ₹4000 per transaction at all HPCL fuel pumps when the card is swiped on the ICICI Merchant Services swipe machines
- Enhance your travel experience with 2 complimentary airport lounge visits in India per quarter
- Top most spender every month, across cardholders from both variants, gets a signed Manchester United jersey* and match ticket
- Top 70 spenders, across cardholders, will get Manchester United branded shirt every month
- Top 18 spenders will receive an exclusively fully paid "Manchester United Experienceäóì with a private tour of stadium and museum in Stretford, England, chance to watch a part of a training session of the First Team Squad and a visit to Manchester United megastore
- Get upto 2 free movie tickets as 1+1 offer on booking tickets online at www.inoxmovies.com, Inox app or visit the Inox box office
