Credit Cards

  PROS

• Enjoy cover on the lost card of ₹1 lakh. This cover is applicable from the period of 48 hours before reporting of loss till 7 days after intimating the concerned authorities with the loss
• Access cash from over 1 million Visa ATMs all over the world incorporating over 18,000 Visa ATMs in India. You can also withdraw cash from 10,000 State Bank of India ATMs in across 100 cities in India
• Get exemption on 1% fuel surcharge with your Air India SBI Signature Card, across all petrol pumps
• Purchase fuel worth ₹ 500 to ₹ 4,000, to avail this benefit. Get maximum surcharge waiver of ₹ 250 on each statement cycle. Taxes are applicable as per the regulations
• Acknowledged at over 2 million Visa centers worldwide and over 2,85,000 centers in India
• Avail for additional benefits by opting for add-on cards for your family members who are above the age of 18
• Your Air India SBI Signature Card is enabled with chip and pin security strengthening you with state-of-art security against fraudulence and scheming
• Easy Bill Pay facility on your AIR India SBI Signature Credit Card helps you to pay your telephone, electricity and other bills on time
• Make any purchase worth ₹ 2,500 with Flexipay or more and log on to the official website of SBI within 30 days to convert your purchase into Easy Monthly Installment
• Transferring the balance amount through EMI
• You can transfer the balance of other bank's credit cards to your Air India SBI Signature Card, to get a reduced rate of interest and pay back in EMIs
• You can get a draft or cheque with the Easy Money feature against your cash limit and have it delivered to your address
• You can book railway tickets online with your Air India SBI Signature Card without any hassle
• You can replace your Air India SBI Signature Card anywhere in the world
• You can choose from three different types of Insurance covers with your AIR India SBI Signature Credit Card which enables you to tackle accidents, health issues, card loss, loss of the card or theft and more
• With AIR India SBI Signature Credit Card, you can have steady inflow of cash and also encash up to or above your credit limit. Thus you are always geared up for any kind of emergency

  CONS

• The AIR India SBI Signature Credit Card may not be the best option if you are not a regular passenger of Air India as this card doesn't offer benefits to the commuters through other airlines.
• A usage fee of up to ₹7 will be charged to your AIR India SBI Signature Card each time on visiting a Priority Pass member lounge.

  PROS

• The most obvious advantage of owning this card lies in the fact that both its joining and renewal fees are very affordable, thus easily accessible
• Doctor's IMA SBI Card also offers a gift voucher of ₹5,000 in the event of the cardholder's annual spends going up to ₹5,00,000
• It also has an e-gift voucher of ₹1,500 rupees that is awarded on joining into the list of people using this credit card
• It also has an e-gift voucher of ₹1,500 rupees that is awarded on joining into the list of people using this credit card
• It offers an access to the Priority Pass Program worth ₹99 as a part of the benefits it offers when the card is used for spending on international travel

  CONS

• An obvious drawback of Doctor's IMA SBI Credit Card is its narrow target audience: only doctors can get to apply for this particular card and all of its benefits and features have been so designed keeping in view the needs and requirements of doctors practicing in the country
• Further, as a credit card, the Doctor's IMA SBI Credit Card offers very little to its cardholders in terms of lifestyle benefits, except for certain travelling features that have been integrated into the card's structure from the very inception. In many cases, doctors and those practicing medicine can use this card to derive benefits and convenience now and then but in itself the credit card can said to be an entity that merely assists in making a doctor's work and travelling relatively easier and comfortable

  PROS

• The HDFC Bank Regalia Credit Card literally pays for itself – this is true Value for Money and it gives you something back on almost every transaction
• The Regalia HDFC credit card pays for itself. It has benefits ranging from dining to travel. These rewards provided when compared to the fee are pretty high.
• We love the 2 free domestic lounge visits a quarter – and the 6 free international lounge visits per year
• With this card, you can apply for a Priority Pass. This pass will be amazing for access to airport lounges.
• The Rewards story is very strong – and getting ₹0.60 for each Reward point is great
• Post GST – this card still gives the 1% fuel surcharge waiver. Go for it.

  CONS

• If you use the HDFC Bank Regalia Credit Card for Priority Pass™ access to International lounges more than 6 times a year – there's a ₹27 fee
• Even with the Priority Pass, you only get a limited number of access to airport lounges.
• The Vistara Airlines™ Silver membership is valid for one year only – after that, its Upto Vistara™ to renew it based on your usage

  PROS

• You will get a complementary waiver on base fare on ticket booked through www.jetairways.com (On card fee realization)
• Get a discount voucher of ₹750 on booking a return ticket on www.jetairways.com
• You can redeem JPMiles on Amazon , Flipkart, Free Flights & Fuel at select IOCL outlets
• Get 5 international lounge access perquarter via Priroity Pass Membership
• Enjoy 4 times lounge access at domestic airpots per quarter via Visa lounge access program
• Earn 1 JP tier point on every ₹2,00,000 retail spend

  CONS

• No discount on movie tickets - everybody loves to watch movies. A discount or free movie tickets would have made this credit card a complete package

  PROS

• The HDFC Bank Regalia Credit Card literally pays for itself – this is true Value for Money and it gives you something back on almost every transaction
• We love the 2 free domestic lounge visits a quarter – and the 6 free international lounge visits per year
• The Rewards story is very strong – and getting ₹0.60 for each Reward point is great
• Post GST – this card still gives the 1% fuel surcharge waiver. Go for it.

  CONS

• If you use the HDFC Bank Regalia Credit Card for Priority Pass™ access to International lounges more than 6 times a year – there's a ₹27 fee
• The Vistara Airlines™ Silver membership is valid for one year only – after that, its Upto Vistara™ to renew it based on your usage

  PROS

• The MakeMyTrip™ ICICI Bank Signature Credit Card comes with a no annual fee. It's amazing
• Free access to Domestic Airport lounges in India is a great benefit and these lounges are great to relax and unwind before a flight
• Get relaxed with free railway lounge access and energize before the start of your journey
• Now be in touch with your friends & family while you are travelling outside of India with a 10-day Airtel international roaming pack worth up to ₹3,999
• Enhance your travel experience with a complimentary airport lounge access outside of India per calendar year
• Love to have a spa session in domestic airports in India? Get 1 per calendar year in domestic airports.
• You can save upto ₹7,200 with the BookMyShow Buy 1 Get 1 offer, on first come, first-serve basis
• 1% fuel surcharge waiver can be availed on fuel transactions at HPCL pumps
• Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats programme.íë_
• Get a complimentary MMTDOUBLEBLACK membership worth ₹1,499 and enjoy free flights and no fees on hotel cancellations
• Get every sixth ride complimentary with Ola

  CONS

• The MakeMyTrip™ ICICI Bank Signature Credit Card does not provide much of reward points on shopping – a feature we would have loved to see in this economical credit card

  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

  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