The Most Spectacular and Practical Plastic For Women Shoppers
When it comes to money matters, women typically have the last say. They are, after all, considered better spenders than men, despite their reputation of being shopping fanatics.
Being smart shoppers, women love to get rewards on their spending, which is why banks and credit card companies target women with their credit card offerings. Here is a collection of the best credit cards for women in India in 2015.
The Citibank Rewards credit card is all about rewards. In fact, you get 2,500 reward points just for getting the card activated. You also earn a point for every INR 125 spent on purchases at partner stores. This includes apparel and department stores and other purchases. You can redeem these points immediately at over 700 partnered online shopping and physical outlets.
You earn ten times more reward points when you spend at associated department and apparel stores such as Myntra, MakeMyTrip and Arrow. You get another 1,500 bonus points if you make your first purchase within 30 days of being issued the card and 1,000 bonus points if your first purchase is made in 60 days.
There are 500 bonus points available for birthdays and additional points on offer for card renewal and quarterly spending targets. Simply put, you get a lot of points with this card, and you can redeem them for cash or for great offers at partnered locations. Easily one of the most well rounded credit cards.
According to HDFC, the Solitaire credit card is the only premium card created exclusively for women. While this could be argued, there is no denying that Solitaire is one of the best credit cards in India for women shoppers.
The card is especially focused on Shoppers Stop rewards, with an INR 1,000 voucher available for every INR 75,000 spent in six months. You can redeem reward points as cashback against your card’s outstanding amount and earn 50 percent more points when spending on groceries and dining. You also get an up to INR 250 fuel surcharge waiver in each billing cycle.
ICICI Bank Coral card against fixed deposit
This ICICI Bank Coral card is for those who are not earning at the moment or are homemakers. The card gives you unlimited cash rewards and a chance to earn double rewards on shopping at supermarkets, groceries and restaurants.
You do have to link your card to a fixed deposit in the bank, though, but you get great benefits like minimum 15 percent savings on dining at associated restaurants, a free movie ticket through the week and access to VISA-affiliated airport lounges. The maximum credit card limit is 85 percent of your linked fixed deposit account, although you could set a lower limit if you wish.
Standard Chartered Inner Circle Platinum
If you prefer shopping at Lifestyle stores or at any retailer associated with the Inner Circle programme, this is the credit card for you. You earn up to nine times more reward points or up to 6 percent value back at Inner Circle-affiliated and Lifestyle stores, along with a 5 percent cashback at Auchan stores.
You get 2,500 discount vouchers when you join and can earn up to nine reward points for every INR 100 spent at Home Centre and Lifestyle and two points for every INR 100 spent in other places.
American Express Payback
This credit card is the result of a tie-up between American Express and the Payback loyalty programme, which allows consumers to earn points on daily activities like refuelling, eating out, shopping, travelling and watching moves.
You can use the points to shop through the Payback rewards catalogue or Payback’s retail or in-store partners or online partners. You get six reward points for every INR 100 spent and welcome rewards when you spend INR 15,000 within 60 days of receiving the card. Apply Here.