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8 Credit Cards You Want In Your Wallet in 2015

best credit cards India 2015
Written by CreditSmart

If Any Of These 8 Credit Cards Are In Your Wallet, You’re Doing It Right

Some credit cards offer better features than others in its category. If you are looking for a new credit card, here are some of the top credit cards of this year.

The list, while not exhaustive, are the best and most well rounded 8 cards we could find that are the best credit card in each of the different niches: travel, student, shopping, all purpose, and cashback. Check it out.

  • ICICI Instant Platinum Credit Card

icici-plat-masterThis is a great option for those looking for a shopping credit card, not to say that it is not good for those who shop only moderately, for it includes several features that will appeal to all.

Key Features:

  • Get instant access to the ICICI Instant Platinum Card against an FD. The minimum amount of fixed deposit against which you can avail this card is INR 20,000. Your fixed deposit must be at 180 days old
  • Monthly overdue interest is 2.49%
  • There’s no annual fee
  • You can avail fuel surcharge of 2.5%. This feature is restricted to HPCL pumps only and the maximum amount up to which you’ll get surcharge is INR 4000
  • The card is out of bounds for foreigners and minors

Key Advantages:

  • You don’t pay any joining and annual fee
  • Great card for shopping
  • You get INR 200 off on the movie tickets you purchase in a month
  • You get 15 percent discount on all major restaurants
  • Redeem the collected points for attractive gifts from designated specified centers


  • The monthly interest on outstanding balance is a little high; that said, the card really offers some great features


  • Standard Chartered Inner Circle Titanium Credit Card

titanium credit card cibilscore.inLooking for out of the ordinary lifestyle benefits? Well, this card may be just right for you. It offers a unique loyalty program and great lifestyle benefits, besides all the privileges that come with a platinum card.

Key Features:

  • When you subscribe for this card, you get a discount coupon worth INR 2500
  • You don’t have to pay any admission fee, nor there is any joining fee
  • A 5 percent cash back at Auchan Stores
  • Redeem the collected points at Lifestyle stores

Key Advantages:

  • You have the freedom to shop anywhere you want as Standard Chartered credit cards enjoy a universal acceptance
  • Purchase airline/railway tickets online or at airline and railway counters
  • Enjoy round-the-clock access to over twenty thousand ATMs across the country


  • Monthly interest rate and yearly interest rate in case of outstanding amount is 3.1 percent and 37.20 percent, respectively. Both are a little on the higher side
  • Citibank Cashback Card

CITI cash-back-credit-cardA good choice for anyone who frequently reach out for a credit card for shopping, bill payments, movie, and dining, the Citibank Cashback Card offers great features and up to 5% cashback scheme.

Key Features:

  • Apply before November 15th 2015 and earn Amazon gift card worth INR 2,000
  • You earn 5 percent cash back on some selected transactions
  • Annual fee is INR 500 (there is no annual fee waiver on this card)
  • You need a good CIBIL credit score to be eligible for this card


  • You get the promised 5 percent cashback on telephone bill payments, movie ticket purchases, and some other transactions
  • You can enjoy up to 20 percent discount in 2000 restaurants across the country
  • You get 0.5 percent cashback on all transactions that are not included in the 5 percent cashback category


You’ll have to pay an interest rate that is a little high at 2.5 percent per month in case you don’t pay the full amount

  • Citibank Platinum Credit Card

citibank india platinum cardThose who want a travel credit card might want to check out this credit card from Citibank for it offers some great benefits.

Key Features:

  • Earn one point for ever INR 125 spent
  • Enjoy special discounts on entertainment, travel, and dining
  • Make your payments in easy installments through the Click-an-EMI feature


  • There’s no admission or renewal fee
  • Earn up to 5 reward points on every INR 125 spent at selected merchants


  • The monthly interest rate is 3.25 percent. The annual interest rate, on the other hand, is 39 percent. If you don’t pay in full, you would have to pay sufficient extra amount
  • Standard Chartered Platinum Rewards Credit Card

standard chartered india reviewFeaturing one of the top rewards program, this card is a good choice for a financially-smart spender.

Key Features:

  • You will be charged INR 399 as entry fee. There’s no annual charge in the first year, but from the second year onward you’ll be billed INR 750 as annual renewal charge.
  • Available only to those with an monthly income of INR 25,000 or more

Key Advantages:

  • You earn 5 points on every INR 150that  you spend on fuel
  • You can earn 5 points on every INR 150 spent at specific dining outlets
  • You don’t have to pay an entry fee if you apply for the card online
  • You can earn 1500 reward points after your first 5 transactions


  • The monthly interest rate, at 3.1 percent, is a little high, so is the annual interest rate, at 37.2 percent
  • American Express Platinum Reserve Credit Card

American Express Platinum Reserve Card IndiaThere are not many credit cards that offer special health and wellness benefits, but this one does—and that’s a significant advantage. It is also high on privileges.

Key Features:

  • You get access to dedicated concierge services to get prompt, expert help with hotel reservations, travel bookings, etc.
  • You will enjoy special healthcare benefits from Max healthcare, Texas Medical Concierge, and Fortis Healthcare
  • You will enjoy especial privileges at many top hotels, including at Trident, Oberoi, and Taj hotels and resorts
  • Eligibility income criteria is INR 6 lakhs per annum

Key Advantages

  • You get a welcome bonus of 11,000 reward points on your first transaction
  • You can enjoy a cashback of upto INR 10,000 on using the card for making travel bookings through
  • You can enjoy access of proprietary airport lounges in Delhi and Mumbai
  • You can pay for your flight tickets through your reward points (only at partner outlets)


  • The annual percentage rate is pretty high at 40.2 percent. That said, this card offers many great features, and if you pay your bills on time, you don’t have to worry about the high annual interest rate.
  • SBI Student Plus Advantage Credit Card

sbi-student-plus-advantage-cardAs the name suggests, this card is for only students, and that too only those students who’ve taken an education loan from SBI.

Key Features:

  • The card is for students and can be taken against a fixed deposit. The minimum fixed deposit amount is INR 5000. The credit limit is 70 percent of your fixed deposit
  • Access to over 10,000 SBI ATMs across the country
  • The card can be utilized across the globe in over 24 million outlets, including over 3 lakhs outlets in the country
  • You can book railway tickets online

Key Advantages:

  • You don’t have to pay any joining fee
  • You earn 1 cash point for every INR 100 spent
  • You get 2.5 percent fuel surcharge if your transaction is in the range of INR 500 to INR 3000
  • You don’t need to pay an annual fee if your spending in the preceding total to more than INR 35,000
  • The monthly interest rate is reasonable at 2.25 percent


  • The maximum limit is a little low at 70 percent of the FD amount. Many fixed deposit credit cards offer up to 85 percent
  • Jet Airways American Express Platinum Credit Card

Jet-Airways-American-Express-Platinum-Credit-CardThis is an attractive offer for those who travel very often. Great rewards and attractive benefits that only a platinum card can offer are the highlights of this platinum card from American Express.

Key Features:

  • Your yearly income must be at least INR 6 lakh
  • You earn 10,000 Bonus JP Miles on joining and 5,000 Bonus JP Miles on every renewal. Plus, you are given a complimentary Jet Airways Bonus Fare Waived Domestic Ticket each on joining and on renewing
  • You can get a free-of-cost movie voucher of INR 1,000 every month
  • You earn 8 JP Miles for every INR 150 spent, except for spending at Utilities, Insurance, Cash transactions, and Fuel


  • You earn up to 20 Bonus JP Miles on every INR spent at Extra JetPrivilege Miles Program
  • You get round-the-clock Platinum Concierge Service
  • You get complimentary iPrefer Gold Tier Membership from selected hotels and resorts
  • You enjoy zero lost card liability feature on this card


  • The annual percentage rate of 40.2 percent is definitely on the higher side. Other than this, however, the card offers some extremely attractive features. Moreover, the high interest rate comes into play only in case of late payment, something you should avoid at all costs as, besides costing you money, it affects your CIBIL score

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