Our world is a fascinating one, dominated by technology. From the dawn of human civilization mankind has used technology to ease his life, and this in a way paved the very foundation of the future civilizations. The glorious phases of human civilization owed its origin in the dark old days of the stone men, when man first invented the stone tools in his fight for survival. Since then we have come a long way, having nearly every amenity at our disposal. This significant technological advancement has one difference from the earlier ages- in the ages past, the technological boons were only for the rich, elite and the powerful to swallow and enjoy. But in the 21st century, everyone in the society has got his share in the benefits of technology. Say for example the tremendous way in which technology has transformed the financial and the economic sector. Earlier withdrawing money from the bank meant a tall ordeal. It meant spending almost an entire day standing at those serpentine queues and then filing of complex paperwork was required to finally get our hands on that cash, which is our very own money. This whole thing changed with a small yet massive innovation- the introduction of a rectangular piece of plastic; the credit card. Initially introduced to ease in the business and increase the buying capacity of people, credit cards also opened up the way for an easy way of cash withdrawal.
Credit cards function in a pretty simple manner. They are actually guaranteed by the banks who issues them. The card holder can use the card to buy whatever stuff he wants. And in return he doesn?t have to pay for them instantly in cash. He purchases them in credit. All he has to do is deposit the credited amount to his bank within a stipulated time, at his convenience. This simpleton method created a craze throughout the globe within a short span of. The card not only helped to increase the per capita business volume and purchasing capacity, but its other variants such as the Visa card opened up a whole new world of opportunities. In short a Visa card is the license to shop anywhere across the world, just as a Visa allows someone to visit a foreign country. This border less Shopping convention led to the initiation of the borderless world of today. Sensing the huge opportunity that the credit card has, banks began to issue them to their customers? en-bulk. It not only helped businesses grow manifold, the increase in production led to industrialization throughout the world which in turn led to the development of fur flung areas and the developing countries of Africa, Asia and the Latin Americas benefited from it. In India the major player in the credit card segment is the #PROVIDER_NAME, which captured the nascent market in its very initial stage through their superior business techniques and marketing strategies. It won?t be an exaggeration that credit cards are nothing short of a revolutionary weapon.
Best Visa credit cards for Shopping - Apply Now
| Different Types of Credit Cards and Types | Joining Fee | Annual Fee |
|---|---|---|
| SimplyCLICK SBI Credit Card | 499 | 499.00 |
| SimplySAVE SBI Card | 499 | 499.00 |
| FBB SBI STYLEUP Contactless Card | 499 | 499.00 |
| Manchester United ICICI Bank™ Platinum Credit Card | 499 | 499.00 |
| Manchester United ICICI Bank™ Signature Credit Card | 2499 | 2499.00 |
| SBI Card Prime | 2999 | 2999.00 |
| SBI Card ELITE Advantage | 4999 | 4999.00 |
| SBI Card ELITE | 4999 | 4999.00 |
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
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
CONS
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
You can access cash from anywhere with over 1 million Visa ATMs in more than 100 countries around the world. 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
- Get 2 free movie tickets per month or INR 500 off whichever is less with SBI Elite Credit Card – offer valid of purchase of minimum 2 tickets
- You can pay your card outstanding with Reward Points – 4 Reward Points =₹1
- Get 10% instant savings on bookings through the hotel website with the complimentary Trident™ Privilege membership
- Enjoy 4 rounds of complementary green fees access and up to 50% off on golf along with 1 complementary lesson per month at selected golf courses across India
CONS
- If you are using the Priority Pass™ Lounges outside India – a fee of ₹27 will be applied
- Renewal Membership fee of ₹4,999 gets waived only on spends of ₹10 Lakhs and above
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
