Platinum credit cards in Patiala
We not only lie in an advanced world run by technology, but we also perhaps lie in the most advanced stage of human civilization. Our kind- the human kind has come a long way, treading from those ancient prehistoric forests into today's modern city life. Technology has not only hanged the outer sphere of our existence, but has helped in even the most common and basic problems that we face or have faced in the past. Say for example, earlier withdrawing money from bank was a tall task. It all began by standing at those long queues, and then coupled by a series of paper work. After these entire ordeals you could get your hands on your money. However a very small innovation changed everything. A rectangular plastic card was introduced which not only took are of this problem, but also opened up a new horizon for the world of business and commerce to flourish- the credit card!
A credit card was introduced basically to help businesses increase. As it increased the travelling fever thus increasing the per capita purchasing value. On the other hand, the credit cards also opened the doorway of ash withdrawal from the ATMs. This simplified the complex process mentioned earlier. There are a number of types in which credit cards can be sub divided into. The most expensive among them is the Platinum card. The nomenclature of this this one is on the symbolic lines. We all know Platinum is the most expensive ornamental metal that we have at our disposal. Thus a Platinum card definitely is as exclusive as the metal Platinum. The owner of this card not only enjoys huge benefit and discount in the form of cashbacks and other offers, but it is also a matter of prestige to own one. A credit card works in a pretty simple way. They are actually guaranteed by the bank which issues them. Thus a card holder can use the card to buy any stuff he want, but there is no need to pay right there at the spot. He can payback the credited amount to the bank at a later time at his convenience. The credit card convention took over the globe like a storm, and India was not out of the grid. Very soon this convention became a familiar sight in the country. In the emerging metropolises such as Patiala, it is quite impossible to enjoy life with having a credit card; especially without having a Platinum one.
Apply for best Platinum credit cards in Patiala
| Different Types of Credit Cards and Types | Joining Fee | Annual Fee |
|---|---|---|
| ICICI Bank™ Platinum Chip Credit Card | 0 | 0.00 |
| ICICI Bank™ HPCL Coral Credit Card | 199 | 199.00 |
| ICICI Bank™ Ferrari™ Platinum Credit Card | 499 | 499.00 |
| BPCL SBI 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 |
| IRCTC SBI Platinum Card | 500 | 300.00 |
| Jet Airways ICICI Bank™ Coral Visa Credit Card | 1250 | 1250.00 |
| Jet Airways ICICI Bank™ Coral American Express™ Credit Card | 1250 | 1250.00 |
| Air India SBI Platinum Card | 1499 | 1499.00 |
| Jet Airways ICICI Bank™ Sapphiro Amex™ Credit Card | 5000 | 5000.00 |
Chqbook Review
Air India SBI Platinum Credit Card is the best option for frequent international commuters as it is globally accepted and does not exorbitant fees as overseas charges. Air India SBI Platinum Credit Card is an immensely rewarding card that enhances the shopping experience of customer. The bounty of additional features makes this card profitable for transactions and the distribution of points makes your shopping experience a gratifying one. One can collect reward points so as to receive exciting gifts and products from upscale stores. The Emergency Card facility will lend you the security and ensure that you get a new card in case of a loss or theft of the original card
PROS
- When you sign up for Air India SBI Platinum Credit Card, you get a welcome freebie coupon for ₹3000
- You will gain reward points for spending in international travel, supermarkets, restaurants etc.
- You will gain reward points for spending in international travel, supermarkets, restaurants etc.
- You can access entry to around 200 golf courses in the world as a complimentary gift
- Gets free access to airport lounge using Priority Pass Program for nominal fees
- Email alerts, SMS and monthly statements will ensure that you have the updates of your performance and transactions of your card
- If your expenditures exceed the limit five lakh rupees every year, you win a free domestic air ticket (one-way)
- Use your Air India SBI Platinum Credit Card for more than a year and kickstart the next year with an anniversary gift coupon worth ₹ 3000
- You can use your SBI Card account using net banking with ease
- Alerts to ensure that your utility bills are paid on time which will also gain more reward points.
- Alerts to ensure that your utility bills are paid on time which will also gain more reward points.
- The Air India SBI Platinum Credit Card has the Easy Money Facility
CONS
- The Air India SBI Platinum Credit Card doesn't offer complimentary golf games either in India or abroad. Therefore, people who prefer to get golf privileges along with their travel cards should consider some other card
- The Air India SBI Platinum Credit Card does not have any dining offers. Many other travel cards offer rebates as well as dining privileges at popular restaurants
- The rewards program and redeeming of points for miles is only applicable for Air India flights. It implies that you shall not be able to avail of any benefits through your Air India SBI Platinum Credit Card if you want to travel by any other airlines
- While the Air India SBI Platinum Credit Card offers fairly decent reward points but there are other cards also which proffer better reward points
Chqbook Review
The BPCL SBI card offers a multitude of saving schemes best suited for a common man who has to spend a lot on fuels for his daily job
PROS
- WELCOME GIFT: At the very onset, a user is greeted with a whopping 2,000 reward points! This lavish surprise comes as an activation bonus and welcome treat. Practically speaking the reward points amounts to ₹500, which can be redeemed anytime as per your convenience at the select BPCL outlets against petrol transaction.
- WELCOME GIFT: At the very onset, a user is greeted with a whopping 2,000 reward points! This lavish surprise comes as an activation bonus and welcome treat. Practically speaking the reward points amounts to ₹500, which can be redeemed anytime as per your convenience at the select BPCL outlets against petrol transaction.
- GLOBAL ACCEPTENCE: Secondly the BPCL SBI card is accepted throughout the wide globe. It is an international card like the visa ones, opening up a borderless world in front of you. You can use this card to transact in any of the 24 million stores scattered throughout the globe, including 3.25 lakh select stores in India.
- EASY BILL PAYMENT: The users of the SBI BPCL card can utilize the Easy bill pay feature to pay various important bills such as internet, electricity, telephone effortlessly.
- EASY BILL PAYMENT: The users of the SBI BPCL card can utilize the Easy bill pay feature to pay various important bills such as internet, electricity, telephone effortlessly.
- EMI BALANCE TRANSFER: A BPCL SBI card holder is offered with the option of transferring his due EMI'S into their BPCL card, and repay in easy monthly instalments, at a lower interest rate. The facility can be availed by net banking or by informing the customer care.
- EMI BALANCE TRANSFER: A BPCL SBI card holder is offered with the option of transferring his due EMI'S into their BPCL card, and repay in easy monthly instalments, at a lower interest rate. The facility can be availed by net banking or by informing the customer care.
- EASY REPAYMENTS: using the flexi-pay option the BPCL SBI card holder can easily repay their transactions.
- EASY REPAYMENTS: using the flexi-pay option the BPCL SBI card holder can easily repay their transactions.
- ADD ON CARDS: another prime benefit that you will get while using the BPCL SBI card is availing the add-on cards for free. Family members of the original card holder (must be above 18 years of age) can easily avail the add on cards.
- EASY MONEY: Another ground breaking feature of the BPCL SBI card is the easy money feature which you can avail quite easily. To begin with the scheme is quite simple- just converting your cash limit into actual cash using net banking. The same thing can be done by requesting a draft or cheque as well, which will be delivered to your address.
- FUEL SURCHARGE WAIVER: as a BPCL SBI card holder you are entitled to a surcharge waiver of 1% up to 4000 thousand rupees. In this scheme you can effectively waive ₹1200 annually.
CONS
- As the BPCL SBI card is essentially formulated to ease the burden of fuel costs, which seriously bothers a common man, it hardly takes care of the other aspects such as entertainment and luxury. Thus benefits in those fields are limited to a large scale
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
Have a Ferrari in your name. And your name on a Ferrari. If you love fast cars & Ferrari, this card is just for you. You get Up to 20% discount on Ferrari merchandise at the Ferrari Store in Maranello, Italy, Up to 15% discount on Ferrari merchandise at the Online Ferrari Store, 15% discount on entry tickets to Ferrari World, Abu Dhabi for tickets bought at the park counter.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
- If you are a Ferrari™ fan, nothing beats having the ICICI Bank Ferrari Platinum Credit Card – amazing flaunt value and great benefits too. The low fee makes this Credit Card a must have
- Free access to Domestic Airport lounges in India is a great benefit and these lounges are great to relax and unwind before a flight
- We love free movie tickets – getting 2 free tickets per month is even better!
- 15% off at over 2500 participating restaurants and other dining outlets in 12 cities in the country is great – saving this much on your bill is sure to bring a smile on your face
- We think the ICICI Bank Ferrari™ Platinum Credit Card MUST have fuel surcharge waiver – and it does with a waiver of 1% on fuel surcharge valid on a maximum spend of ₹4000 per transaction at all HPCL pumps
- You get a 15% discount on entry tickets to Ferrari™ World Abu Dhabi for tickets bought at the park counter
- Up to 15% discount on Ferrari merchandise at the Online Ferrari Store
CONS
- The ICICI Bank Ferrari Signature Credit Card has a lot of flaunt value for a low fee, but if you are not a car afficianado, consider the ?
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Chqbook Review
The ICICI Bank™ HPCL Coral Credit Card is one of the cheapest cards you can get. With a fee of ₹199, and a cashback every time you fill fuel at a HPCL pump, you will recover this small amount very quickly. You also save on the 1% surcharge every time. We think this is one of the best Credit Cards to take if it's your first credit card.
PROS
- This is a great credit card to start out with – the low fee of ₹199 + GST is easily recovered
- We like that you can earn Payback™ points on the credit card. These can be clubbed with other Payback™ points on other cards you might have and used together.
- Getting free movie tickets is always great – ₹100 off each time twice a month is just superb. That's a saving of ₹2400 per year!
- Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats programme.
- You also get 2.5% cashback every time you fill fuel at an HPCL pump for more than ₹500 each time
- Not only that, you also get the 1% surcharge on fuel transactions waived off for a maximum single transaction of ₹4000
- Just ensure you spend ₹50,000 or more annually on your Card and ICICI Bank will reverse your Annual Fee (₹199) for that year.
CONS
- The ICICI Bank HPCL Coral Credit Card does not provide statement credit – a feature we would have loved to see in this economical credit card
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 SBI IRCTC Platinum Credit Card has been expressly designed for users so as to address the specific needs and preferences in travel and lifestyle. The SBI IRCTC Platinum Credit Card adds an aesthetic touch to the users’ regular expenditure and travel bookings. The SBI IRCTC Platinum Credit Card brings the unique blend of conveniences and privileges which includes 100% value pack on the AC Ticket fare as railways points and complimentary membership to Shubh Yatra Scheme for regular traveler’s et al
PROS
- Facilities such as Flexipay help you with easy money and transfer of balance amount or automated payment of bills. Convert your transactions in monthly installments with Flexipay. Just transact for ₹ 2,500 or more and log on to the official website of SBI within 30 days of purchase to convert it into Flexipay
- The SBI IRCTC Platinum Credit Card has exemplary reward packages for its customers. Buy tickets through the official website of IRCTC for AC1, AC2. AC3 and AC CC and gain upto 10% Valueback as turbo points (1 Reward Point = ₹ 1). You can also gain 1 Reward point for every ₹ 125 expended on non-fuel retail purchases, including booking of railway ticket through the official website of IRCTC
- The SBI IRCTC Platinum Credit Card holders are exempted from paying the additional charge of on 1% fuel across all petrol pumps in India, on transactions of ₹ 500 - Rs. 3,000, exclusive of GST and other charges
- The SBI IRCTC Platinum Credit Card is exclusively a travel card and has worldwide acceptance. This travel card can be used in over 29 million outlets across the globe, including 3.25 lakh outlets in India. All users need to do is to look for the VISA sign with the merchant and present their card for payment. With global acceptance, users can travel anywhere and avail all the attractive benefits and offers provided by the card
- The SBI IRCTC Platinum Credit Card is exclusively a travel card and has worldwide acceptance. This travel card can be used in over 29 million outlets across the globe, including 3.25 lakh outlets in India. All users need to do is to look for the VISA sign with the merchant and present their card for payment. With global acceptance, users can travel anywhere and avail all the attractive benefits and offers provided by the card
- As the SBI Platinum IRCTC Credit Card has universal acceptance, the card holders can withdraw cash anytime from any Visa ATM. The users have the alternative to withdraw cash from over 1.2 million VISA ATMs across the world which includes 18,000 ATMs in India. You also get access to over 10,000 SBI ATMs across over 100 cities in India itself from where you can withdraw money anytime
CONS
- Interest rate charges of SBI IRCTC Platinum Credit Card are a tad bit high in comparison to its compeers. The rate of interest is 3.35% per month (40.20% per annum)
- While the SBI IRCTC Platinum Credit Card offer satisfactory rewards, there several other cards which give you better flexibility while booking flights from any airlines and yet gain reward points
Chqbook Review
Get the Power of 3 amazing brands in 1 Credit Card – ICICI Bank, American Express and Jet Airways bring you this Coral Credit Card packed with features and light on the pocket. Not only do you get 2500 Bonus Jet Privilege Miles upon Joining, you also get Free Movie tickets with the Buy 1 Get 1 Free offer from bookmyshow. 15% discounts at over 2500 restaurants across the country itself will save you more than the Joining fee of ₹1250. You also get complimentary access to select lounges at airports in India with your Jet Airways ICICI Bank Coral American Express® Credit Card. To avail, just please present your Card at the lounge reception. If you are a frequent flyer with Jet Airways, JetPrivilege Platinum tier members will not be charged with Joining/Annual Fees till they maintain their JetPrivilege Platinum tier i.e. at the time of joining and at the time of anniversary date, the JetPrivilege member should be a JetPrivilege Platinum tier member.
PROS
- With a Joining Fee of ₹1250, you get 2500 Bonus JP Miles & a minimum of 15% off on dining at over 2500 restaurants around the country. That is far more value than what you are spending. Add up all the other Pro's and the Jet Airways® ICICI Bank™ Coral American Express™ Credit Card is a must have.
- If you are a frequent flyer and a Jet Privilege Platinum member, then the joining fee and the annual fee is also waived off – even if you arent when you get the credit card, you could be when it comes to paying the annual fee – which makes this Credit Card extra special
- Enhance your travel experience with exclusive access to the dedicated Altitude Lounge. Experience personalized attention and Wi-Fi connectivity, while you enjoy an array of gourmet snacks and refreshments. Currently these lounges are at the T3 Domestic departure area in New Delhi and at the Domestic Terminal 1A in Mumbai
- We love movies! – Buy 1 ticket and get the other ticket free any day of the week, through bookmyshow. Get up to 2 free tickets per month valued at up to ₹250 per ticket
- Fuel Surcharge waiver – 1% fuel surcharge waiver can be availed on fuel transactions of maximum ₹4000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines.
- You get a minimum 15% discount at over 2500 restaurants in India through the Culinary Treats program by ICICI Bank. That itself is savings of thousands of Rupees every year
- You can convert all your Jet Privilege points into Free flight tickets for both Domestic and International flights with Jet Airways or its 25+ International Airline Partners – there was never a better way to accumulate happiness!
CONS
- If you travel a lot through other Airlines like Indigo and SpiceJet, and are not planning to take Jet Airways flight, you may not be able to get the maximum value out of the Credit Card
- The fuel surcharge waiver is ONLY at HPCL Petrol Pumps – so be careful which Petrol Pump you are getting into!
Chqbook Review
The premier airline company in the country and the premier bank in the country team up on this value for money credit card. Apart from the welcome bonus and the JP Miles enrolment, there are discounts on dining, free movie tickets and free access to Airport lounges in the country.
PROS
- If you fly often, this card is just what the doctor ordered. Not only do you get enrolled into the fabulous Jet Airways Miles program, you also get to earn JP Miles on other transactions on this card as well – all guaranteeing a lot of accrued Miles and free flights
- The free movie ticket offer with the Buy 1 Get 1 Free option from bookmyshow™ ensures you always get value for money whenever you go to the movies
- When you fly international, you can redeem your JP Miles against 25+ other airlines – so go ahead and rack up those Miles
- Dining now has a 15% additional discounts built into it – more outings at some of the best restaurants in the country!
- Get to dine in luxury at the Visa lounges at select Airports in the country – you get 2 complimentary lounge visits per quarter
- The annual bonus of 1250 JP Miles go a long way towards setting off the annual fee
CONS
- If you are not a Jet Airways flyer, this card may not give you the best experience
- The buy 1 get 1 free movie offer from bookmyshow™ is on a first come first serve basis – so you may not always get the free ticket when you fancy it
Chqbook Review
The Jet Airways™ ICICI Bank™ Sapphiro American Express™ Credit Card announces to the world that you have arrived. Apart from the free tickets, the Golf Course access and the Movie marathons you can have, this Credit Card is for the discerning person who already spends most of the time jet setting the globe, and is otherwise found at a Gold Course. Go for this card, you deserve it!
PROS
- We love the 10000 Welcome Bonus JP Miles and the free complimentary base fare waived economy Jet Airways ticket upon joining
- As a DragonPass member, you can relax at more than 450 comfortable and luxurious airport lounges across 115 countries around the world, regardless of the class or airline you fly with, or whether or not you are a member of an airline frequent flyer club.
- The Jet Airways ™ ICICI Bank Sapphiro Credit Card has one of the best earning rates for JP Miles in the country – close your eyes and go ahead with this card.
- Tremendous value for money when you factor in the welcome gift and the renewal gift – totalling to 15,000 JP Miles and 2 complimentary Base Fare Waived Economy Jet Airways™ tickets
- This Credit Card also gives you 2 free movie tickets upto ₹400 per ticket when booked through bookmyshow™
- Save a minimum of 15% on your dining bill at over 2,500 participating restaurants spread across 12 major cities with the ICICI Bank Culinary Treats programme.
- 1% fuel surcharge waived off on fuel transactions at any fuel outlet.
- The reward rate on the credit card is amazing – you get 8 JP Miles for spends on the Jet Airways™ website
CONS
- As you guessed, if you are arent flying on Jet Airways™; this may not be the best credit card for you
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
