10 Best Credit Cards in India 2021 – Forbes Advisor INDIA

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Reward Points and Reward Point Redemption:

  • 10X reward points on online spending with exclusive online partners including Amazon, Apollo 24X7, BookMyShow, Cleartrip, Dineout, Lenskart, Netmeds.
  • 5X rewards on all other online spending. Earn 1 reward point for every INR 100 on all other expenses (1 reward point equals INR 25 of payment).
  • Check that terms and conditions like the following apply:

A) 10X reward points are only applicable when payment is made in INR (Indian Rupee) using the SimplyCLICK SBI card.

B) Electronic Wallet Load Transactions made using the SimplyCLICK SBI Card on any Partner Branded Website / App identified under MCC 6540 and 6541 (at best) will not accumulate Reward Points.

C) Utility bill payments made using the SimplyCLICK SBI Card on the SBI Card website / mobile app will not accumulate 5 times as many Reward Points.

D) Redeem your reward points for electronic gift certificates from SimplyCLICK partners.

Additional card:

This facility is also available for family members.

Fuel overload:

1% fuel surcharge exemption on transactions between 500 and 3,000; up to 100 per instruction cycle.

Bonus points:

2000 INR e-voucher on annual online spending of 1 lakh INR.

Converting Purchase to EMI:

Flexipay, as SBI calls it, is available for a purchase of INR 2,500 or more.

Easy money:

One can get a draft or check depending on one’s credit limit at the time of need (interest 2.45% + 1.5% or INR 199, whichever is greater).

Additional card:

Additional cards for your parents, spouse, children or siblings over 18 years old.

Eligibility:

The candidate’s age must be between 18 and 60 years old. For a salaried person the income should be INR 20,000 per month and for the self-employed it is INR 30,000 per month.


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