Think you won’t get a credit card because you earn less than Rs. 25K per month? Worry not! Here’s a list of cards you can consider
Credit cards come with benefits such as cashback, reward points, free shopping and discounts on dining and shopping. You can use credit cards to purchase goods and services and pay later. With digital payments being the trend, having credit cards makes your life easy and are accepted at even small shops.
You can swipe your card for any amount up to your credit limit. However, getting a credit card might need you to fulfill certain criteria such as minimum income and a good credit score. If you have an income of less than Rs 25,000, you might think that you won’t get a credit card. That’s not true. Here’s a list of credit cards from SBI for anyone earning less than Rs 25,000 a month. The credit card applicant must be at least 21 years to apply for these cards.
Even though you have to pay an annual fee of Rs 499 for this card, you get a joining bonus of 2,000 points with this card if you spend just Rs 2000 or more in the first 60 days of getting this card. The bonus points will be credited to your SBI Card account within 60 days of the eligible transactions.
Every time you spend Rs 100 on dining, movies, grocery and departmental store spends using your card, you get 10x reward points. For all other spends, you will get 1 reward point for every Rs. 100 that you swipe. Four rewards points are equal to Re. 1. You can redeem your reward points for goodies and services using the SBI Rewards catalogue.
Here’s something exciting. The SBI Simply Save card allows you to redeem your reward points against your credit card outstanding. You can actually use your reward points to pay your card bill. Want more? You can get a reversal of your annual membership fee from the second year. To avail the fee reversal, you need to have spent Rs. 1 lakh or more on your card in the previous year.
This card gives you a 1% fuel surcharge waiver for transactions between Rs 500 and Rs 3,000. This is valid for any petrol station in the country. SBI Simply Save is a contactless card. Simply wave your card at a secure reader to transact.
Do you love shopping? Then, you should look at this card. You can get back your annual fee of Rs 499 with the joining bonus this card doles out. The joining bonus for this card is an Amazon gift voucher worth Rs 500. Validity of the gift voucher will be for 12 months from the date of adding the voucher to your Amazon Pay. You can redeem this voucher on the Amazon website or their app. The voucher Code will be sent to your registered mobile number within 30 days from payment of annual membership fee.
Just like the SBI Simply Save card, get 10x reward points for your online purchases. This is for purchases made on SBI partner sites such as Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds and Urbanclap. For all other online spends you can earn 5x reward points.
Don’t think there are no reward points for purchase made offline. You can get 1 reward point for every Rs. 100 you spend at offline stores. Want more rewards? When you spend Rs. 1 lakh using your card, you get an e-voucher from Cleartrip for Rs 2,000 and your annual fee will get reversed. You can get a 1% fuel surcharge waiver for transactions between Rs 500 and Rs 3,000. This is valid for any petrol station in the country. Her exclusive offers include Rs 100 instant cashback on the first movie ticket booked on BookMyShow mobile app for first time BookMyShow users.
Pay a one-time annual fee of Rs 500 for this card and the renewal fee is only Rs 300. Get a welcome gift of 350 activation bonus reward points on single transaction of Rs 500 or more within 45 days of card issuance. The bonus reward points will be credited to your card account within 45 days of the eligible transactions. You can earn Rs 100 cash back on your first ATM cash withdrawal within 30 days of receiving the card.
The primary benefit of this card is that when you buy tickets on the Indian Railway Catering and Tourism Corporation (IRCTC) website for AC1, AC2, AC3 and AC CC trains, you can earn up to 10% cashback. This will be in the form of reward points.. You can get 1 reward point for every Rs 125 spent on non-fuel retail purchases including railway ticket purchases on irctc.co.in. You can use your reward points to get free train tickets. You need to link your IRCTC SBI Card loyalty number with your irctc.co.in login id to redeem your reward points for train tickets.
That’s not all. The 1.8% transaction charge that are levied by IRCTC on all the train will be waived. You can avail exclusive travel privileges on the IRCTC website. Just like the SBI Simply Save card, you get a 1% fuel surcharge waiver for transactions of Rs 500 to Rs 3,000 made at any petrol station in the country.
Are you a Yatra.com loyalist? Then, you should check out this card.
The joining bonus is far more than the annual fee. The annual fee is Rs 499 and you get Yatra.com gift vouchers worth Rs 8,250 as joining bonus. These vouchers include two vouchers worth Rs 500 each for domestic travel, 2 vouchers worth Rs 1,000 each for international travel, 1 voucher worth Rs 750 for hotel bookings, 1 voucher worth Rs 1,500 for domestic holiday and 1 voucher worth Rs 3,000 for international holidays.
The welcome vouchers will be dispatched on the payment of the first year annual fee.
Other travel benefits will include Rs 1,000 off on domestic flight bookings (minimum transaction of Rs 5,000), Rs 4,000 off on international flight bookings (minimum transaction of Rs 40,000) and 20% off on domestic hotels (minimum transaction of Rs 3,000 and maximum discount of Rs. 2,000).
You get reward points too. You can get 6x reward points for every Rs. 100 you spend at departmental Stores and on grocery, dining, movies, entertainment and international spends. For all other spends, you can get 1 reward point for every Rs. 100 you swipe.
Love shopping for clothes? Then, you should consider this card. Get back your annual membership fee of Rs 499 with the joining bonus of free Fashion @ Big Bazaar (FBB) gift voucher worth Rs 500. You can redeem this voucher for products from the fashion segment at Big Bazaar or FBB stores. You get an anniversary gift of 2,000 bonus reward points every year too.
The card provides a flat discount of 10% on FBB merchandise all through the year. This is valid for all your shopping for fashion apparel, accessories, backpacks, footwear & school bags at FBB and Big Bazaar stores. There is no limit on the count or value of daily, monthly or yearly discounts you can get for these purchases. This offer is valid over and above the existing offers or promos in the Big Bazaar and FBB stores.
Apart from all this, you can get reward points for purchases. You can get 10x reward points on all spends at Big Bazaar, FBB stores and Food Bazaar store. This is valid for your dining spends too. You can get a 1% fuel surcharge waiver for transactions between Rs 500 and Rs 3,000.
Want to check out ultra-luxury credit cards? Then read this article – Top 8 Ultra-Luxury Credit Cards In India. It is good to consider the credit card fees and rewards before you apply for these card.
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