ani_meher 42 Report post Posted November 3, 2009 I have a HDFC platinum plus credit card, which was upgraded from Gold credit card. I felt all great that now I have a platinum CC! But when I checked the rewards on other cards, my enthusiasm didn't last long. Now I am on the lookout for a CC that offers following features 1. Lifetime free (absolutely no fees at all) 2. 5% Cashback (my lady friend's Women Gold Credit card had this 5% cashback on everything) 3. I don't mind heavy interest rate, as I pay the bills very regularly, and never draw money against the credit. So guys, any help? Share this post Link to post Share on other sites
Saurav 22 Report post Posted November 3, 2009 ICICI & Citi Bank are best. In ICICI you can redeem reward points with IMINT. With Citi you can adjust reward points against your Citi Bill or Gift Mate. Share this post Link to post Share on other sites
konquerror 21 Report post Posted November 3, 2009 I've got Stadard Charted Manhattan Platinum Card...it's life time free card with 5% cash back on purchase of Rs 500/- or above in 1 transaction...5x rewards point and one free ticket out of 2 ticket purchased at PVR...also an offer of 10% discount on purchase through ebay is going on right now...more details here: http://www.manhattan.co.in/manhattan_platinum/index_platinum.htm Share this post Link to post Share on other sites
aviator 3 Report post Posted November 3, 2009 BTW......Icici has nw stopped EMI conversion on their cards............. Share this post Link to post Share on other sites
phonegeek 588 Report post Posted November 3, 2009 I prefer Manhattan and Citibank. Share this post Link to post Share on other sites
commonman 228 Report post Posted November 3, 2009 In terms of card servicing, Stan Chart has the poorest track record with maximum complaints of incorrect service charges, bill not getting delivered in time, etc. As for ICICI, the IMINT program gives practically very little in terms of effective % of return. Citibank Cashback card offers cashback, but only at 1/2 %, and its not free. Deutche Bank Gold card is free and offers cash back with varying % depending on the transaction type, but it has limited branches. ABN Amro offers effective 2% cashback (points adjusted against hotel bills/air/train ticket purchase)but is again not free. Share this post Link to post Share on other sites
Arun 795 Report post Posted November 6, 2009 I have a HDFC platinum plus credit card, which was upgraded from Gold credit card. I felt all great that now I have a platinum CC! But when I checked the rewards on other cards, my enthusiasm didn't last long. Now I am on the lookout for a CC that offers following features I have a HDFC Bank Platinum Plus CC which was upgraded from Gold CC as well. They are currently offering double reward points for swipes on HDFC Bank machines: http://www.hdfcbank.com/personal/customer_center/offers_deals/double_rewards.htm Share this post Link to post Share on other sites
SUDYEcaZ 67 Report post Posted November 6, 2009 I Have SBI More Gold Card... which is free and gives 2% cash back on all grocery and bill paid no fuel transaction between Rs 400 and Rs 3000 Share this post Link to post Share on other sites
ramtech 47 Report post Posted November 7, 2009 HSBC and SBI are best Share this post Link to post Share on other sites
commonman 228 Report post Posted November 8, 2009 SBI cards are issued by SBICSL (a joint-venture) and not SBI. Hence, SBI credit cards are not covered by the Banking Ombudsman mechanism for grievance settlement. A loop-hole that is often used by SBICSL to give its customers a raw deal. Share this post Link to post Share on other sites
ACS 130 Report post Posted January 2, 2010 Stan Chart Titanium offers 5% on Fuel & Telecom expenses.. others 1%. Works well for me, although it has a cap of max cash-back upto 500 per month. Citibank has introduced Super Cash-Back Titanium Card which is interesting but charges 500 per year. Share this post Link to post Share on other sites
dkaile 1,051 Report post Posted January 3, 2010 I have used/am using a no. of different cc like, standard chartered, citibank, sbi, diners etc., but I feel it is the sbi card which is most transparent and trouble free with no hidden charges or wrong billings; i started with low limits (about 20k) but have gradually increased it multifold based on my purchase history with no charges... Share this post Link to post Share on other sites
konquerror 21 Report post Posted January 3, 2010 All SBI cards have an annual fee associated with it...right? Share this post Link to post Share on other sites
in.raghav 3 Report post Posted January 3, 2010 FOR SBI or any other credit card...... you can call to their respective customer care to get your annual fee or annual charges waived... over all SBI card is good..but we cannot recharge Reliance prepaid from sbi card where as in ICICI you can recharge any prepaid mobile.....that is the only disadvantage i found with sbi ... Share this post Link to post Share on other sites
dkaile 1,051 Report post Posted January 3, 2010 no annual charges for life; 80k limit; i recharge prepaid through rechargeitnow.com using this card; instantaneous and without error..... Share this post Link to post Share on other sites
konquerror 21 Report post Posted January 3, 2010 FOR SBI or any other credit card...... you can call to their respective customer care to get your annual fee or annual charges waived... over all SBI card is good..but we cannot recharge Reliance prepaid from sbi card where as in ICICI you can recharge any prepaid mobile.....that is the only disadvantage i found with sbi ... How you convince them to waive charges What if they refuse? And i'm pretty happy with Standard Charted Manhattan Platinum Card...got Rs 500/- cash back this month This is the only card paying back to me. Share this post Link to post Share on other sites
aviator 3 Report post Posted January 3, 2010 Icici stopped issuing fresh credit cards.... Ny ideas why it happened??? Share this post Link to post Share on other sites
phonegeek 588 Report post Posted January 3, 2010 Icici stopped issuing fresh credit cards.... Ny ideas why it happened??? Huge NPA in this segment ! Share this post Link to post Share on other sites
::Hitesh:: 1,763 Report post Posted January 5, 2010 Due to these NPA, honest customers are getting extra burden of not getting good cash back or good reward schemes. Share this post Link to post Share on other sites
aviator 3 Report post Posted January 6, 2010 Fully agree... ICICI has even stopped EMI conversion. Very bad indeed. I have been using this card for past 3 yrs nw and since they hav stopped EMI conversion, it really feels that nw my shopping is restricted. Share this post Link to post Share on other sites
konquerror 21 Report post Posted January 6, 2010 Well ICICI allows EMI conversions for ebay shopping...correct me if I'm wrong... Share this post Link to post Share on other sites
MOBILE FAN 42 Report post Posted March 28, 2010 I guess now a days, all new issued cards charge annual fee from the next year. However, I found that Kotak cards are still free for life. Currently, I am using hdfc, hsbc and manhattan but none give cash back. Only problem with HSBC is that they give fuel surcharge waiver in the next statement and sometimes they forget and then give it after two months. In this process, I've found that you loose track of it and effectively you loose on fuel surcharge waiver. HDFC and Manhattan has honest billing. I have manhattan card but they are asking 999 Rs. to upgrade to platinum card. I am planning for Kotak's trump card (gold card) because they are giving 10% cash back on movies, dining and no fees on irctc. Share this post Link to post Share on other sites
::Hitesh:: 1,763 Report post Posted March 28, 2010 ^^^ Just got the call from HDFC, still they are offering lifetime free cards.. Share this post Link to post Share on other sites
igloo 1 Report post Posted March 28, 2010 Get mycity addon for utility bill in Hdfc Card for Rs.99. You'll get 1.5% cashback on utility(mobile,electricity, insurance) bill payments. Share this post Link to post Share on other sites
heehaw 1 Report post Posted March 28, 2010 I am planning for Kotak's trump card (gold card) because they are giving 10% cash back on movies, dining and no fees on irctc. I second Mobile Fan for the Kotak's Trump Card Snapshot of benefits. Flat 10% cash back on all restaurants and Cinema Halls No fuel surcharge and no railway surcharge. All purchases above 5000, break into 3 months EMI at 0%, no fees No Annual Fee :-) Share this post Link to post Share on other sites
