Use entry-level credit cards that offer alluring rewards and cashback points if you're new to the world of credit cards and want to build a strong credit history and credit score. The SBI and Citi are two excellent entry-level credit cards. SimplyCLICK credit card and the American Express Smart Earn credit card

For more information refer to: https://karannegii.wordpress.com/2022/09/15/sbi-simplyclick-vs-amex-smart-earn-credit-card/

SBI SimplyClick Credit Card

SimplyCLICK Advantage SBI Credit Card is ideal for people who love to shop online. This SBI credit card offers multiple features and benefits that can be very beneficial for you if you regularly spend money online.

Highlights of SBI SimplyCLICK Credit Card

10 times more reward points on online spends at partner websites

5 times more reward points on all online spends

AMEX Smart Earn Credit Card

The Amex SmartEarn Card has signed up with multiple brands and merchants which allows the users to get extra rewards and save big on their purchases. Basically its an entry-level card designed for the mass market segment. Fee & waiver requirement are quite attractive indeed.

Highlights of SBI SimplyCLICK Credit Card

1 MR Point for every Rs.50 spend

10X Rewards fetches a Reward Rate of 5% to 10%

BPCL SBI Card Octane is one of the best co-branded credit cards available in the market. It is a premium version of the previously launched co-branded BPCL SBI Card. With this card, you will get a 7.25% value back on fuel purchases at select Bharat Petroleum Gas stations. 

The joining fee of the BPCL SBI Card OCTANE is Rs.1,499 and comes with an annual fee of Rs.1,499 as well. The State Bank of India charges an interest rate or finance charge of 3.5% per month.

For more information refer to: https://cardinsider.wixsite.com/cardinsider/post/benefits-of-bpcl-sbi-card-octane

Features of the BPCL SBI Card OCTANE

Welcome benefits of 6,000 reward points.

Get value-back benefits of up to 7.25% reward points on fuel purchases at BPCL petrol pumps.

BPCL SBI Card OCTANE Limit

The credit limit depends on various factors, such as credit score, annual income, repayment capacity and more. Therefore, you will get to know about your credit limit only after successful verification.

Other Benefits

Annual fee reversal on spending Rs. 2 lakh in a year.

Complimentary fraud liability cover of Rs. 1 lakh.

A rewards credit card is exactly what it sounds like: a credit card that rewards you for your purchases. Used responsibly, a rewards credit card can help you save money on everything from travel bookings to Amazon purchases.

Every reward credit card is intended for a particular type of purchase. When determining which card is ideal for them, users must take their spending habits, the bank's rewards programme, and the card's overall appearance into account.

For more information refer to: https://nayanmahorr.blogspot.com/2022/09/are-reward-credit-cards-worth-it.html

Following are the pros and cons of reward credit card:

Pros

Earn money, miles, or points for each transaction.

Redeem points for things like airline reservations, statement credits, and credits for online shopping to save money.

Many credit cards with incentives don't have annual fees.

Cons

You could be tempted to overspend in order to use up all of your incentives or sign-up bonuses.

To save money, you must redeem your rewards, however certain redemption alternatives result in a lower value for your awards.

Having strong or exceptional credit is a requirement for the top rewards cards, which may levy an annual fee.

Accelerated travel rewards are provided by travel credit cards, along with extras like free lounge access, the ability to accrue air miles, and co-branded incentives with airlines and travel partners. Getting an airline credit card can be a wise decision if you travel frequently because it gives the finest air mile benefits. The top credit cards in India that have partnered with the best airlines are listed here, along with their salient features and added advantages.

For more information read: https://cardinsider.quora.com/5-Best-Air-Miles-Credit-Cards

Citibank PremierMiles Credit Card:

The Citibank PremierMiles Credit Card is among the greatest options available in India's credit card market for travel-related cards. If you frequently fly, this card is a great choice. For every Rs. 100 spent on flight reservations or on the bank's PremierMiles website, you receive 10 Miles. For every further transaction, you will receive 4 Miles.

InterMiles HDFC Bank Signature Credit Card:

One of the co-branded HDFC Bank credit cards that are issued in cooperation with intermiles.com is the InterMiles HDFC Bank Signature credit card. The card offers numerous more travel and dining incentives in addition to unique spend-based InterMiles offers.

InterMiles HDFC Bank Diners Club Credit Card:

After InterMiles HDFC Bank Signature Credit Card, InterMiles HDFC Bank Diners Club Credit Card, which was introduced in collaboration with intermiles.com, is the second intermiles credit card. With a Rs. 5,000 registration fee, it offers enticing welcome incentives including InterMiles Gold Membership, discount coupons for hotel and ticket reservations, and up to 20,000 extra intermiles.

American Express Credit Cards provide personalized perks and rewards so that you get the best benefit from your spendings. An American Express Credit Card provides you with luxurious shopping, dining, travel and much more benefits. American Express Credit Card is a perfect way to handle your expenses which also enables you to experience a premium lifestyle that you need. 

For more information refer to: https://karannegi2.blogspot.com/2022/09/reasons-to-get-american-express-credit.html

Following are the reasons to apply for American Express Credit Card

Lost Card Liability

If you find a fraudulent transaction on your Card on account of it being lost or stolen, relax. Because, if you lose your Card, your liability is nil after reporting the loss, and is limited to a maximum of only Rs. 1,000 before reporting.

Membership benefits

Membership Program is a reward programme for American Express Credit Cardholders. Under this programme the more you spend, the more membership reward points you earn. 

Contactless payment

With your American Express Card, you can take advantage of the added benefit of Contactless payments. It's a convenient and secure way of paying for your purchase of less than Rs 2,000.

ICICI Bank is among the top credit card issuers in India. You can find ICICI credit cards suiting varying individual needs such as fuel, travel, online shopping, dining, entertainment and more. With ICICI Bank credit cards, you can earn reward points and benefits on your travel, fuel, dining, shopping, and entertainment expenses. Regardless of the one you choose, the application process and approvals are quite quick and aimed at making life easier for the customer.  

For more information refer to: http://www.apsense.com/article/benefits-of-icici-credit-cards.html

Features and Benefits of ICICI Bank Credit Cards

ICICI Bank credit cards allow you to earn reward points every time you swipe the card.

You can easily request and increase the limit on your ICICI Bank credit cards.

ICICI Bank offers a credit card protection plan and this will help you protect your cards from being misused in case of theft or loss.

Option to use the card for almost any sort of bill.

Interactive interface for making quick and instant payments

Best ICICI Bank Credit Cards Category: 

Amazon Pay Credit Cards, Featured Credit Cards, Emeralde Card, MakeMyTrip Platinum, Diamant Card  are best ones that cater to diverse income groups and come with several targeted benefits.

Free airport lounge access is a luxury much sought by frequent travellers. These lounges provide a respite from the crowds and noise of the airport. You can find comfortable seating, charging ports for your devices, and even complimentary snacks.Through this podcast, you will get all the details like which credit card gives you access to domestic and international airport lounges, annual charges, which bank card offers lounge access etc.

For more information refer to: https://ello.co/cardinsider/post/l_ceouws4rkzq7ojiq2rdg

SBI Elite Credit Card

SBI Elite Credit Card is an all-rounder premium credit card with benefits across varied categories including travel, shopping, movies and more. With a reward rate of 2.5% SBI Card Elite is a highly rewarding card, especially if you are a high spender. Read more to know about the detailed features and benefits of the card.

American Express Platinum Card

The Platinum card offers premium travel benefits including airport lounge access, exciting travel vouchers, Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels, and a lot more.

HDFC Bank INFINIA Credit Card Metal Edition

Enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.

Citi Prestige credit card

Citi Prestige credit card is a suitable option for high spenders. you get unlimited access to more than 800 global priority pass lounge

If we talk about the Axis Bank Credit Cards then there is a variety of cards and they confuse the individuals to make a one-sided choice. Most popular credit cards of Axis bank are the Flipkart Axis Bank Credit Card and the Freecharge Axis Bank Credit Card.For regular customers of online platforms such as Flipkart, Myntra, and others would get great benefits from the Flipkart Axis bank credit card. Whereas, Freecharge Axis Bank Credit Card offers you a variety of purchases, including your regular bills.

For More Information refer to: https://www.easyfie.com/read-blog/1836206_flipkart-axis-vs-freecharge-axis-credit-card.html

Flipkart Axis Bank Credit Card

The Axis Bank Flipkart credit card is a co-branded shopping credit card from Axis Bank and Flipkart which offers you a wide range of benefits and features from cashback for transactions, airport lounge access along with fuel benefits.

Freecharge Axis Credit Card

The Freecharge Plus Credit Card by Axis Bank in partnership with Freecharge is a card which is meant to streamline all your payments of utility bills, daily commute expenses, etc. The card comes with a host of features where you get cashback on your spends along with gift vouchers from brands, on activation.