Skip to main content

Which is The Best Credit Card in India?

Credit cards are more than a petty piece of plastic, it helps you get instant funds for your expenses. And because of the amazing rewards and discount offers, credit cards become the user's first choice. But there are some of you who aren’t eligible to apply for a credit card because of bad credit history or low eligibility. For such individuals, the bank provides the best credit card in India, a card against the fixed deposit. Fixed deposits will act as collateral against your credit card limit. You must be wondering why there is a need for security? Well, credit cards as you know are an unsecured type of credit. For the people who have a poor credit score or do not even have a credit score, it is quite difficult to get a credit card. That’s why banks ask for the Fixed Deposit security against the credit card. This type of a credit card is a secured credit card. And the interest rate is also low compared to the unsecured credit cards. Read the article and find out which is the best credit card in India which is secured against an FD scheme.

SBI Unnati Credit Card

State Bank of India (SBI) is the largest public sector bank in the country and known for its banking products and best services. And SBI has also provided you the best credit card in India which is SBI Unnati card, this credit card can be applied against a minimum fixed deposit value of INR 25,000. If you have a fixed deposit account at any of the SBI branches, you are eligible for this best credit card in India. To opt for this card, you have to visit your bank branch and ask for an SBI Unnati card from the bank repressive. 

The credit limit on your SBI card is dependent on the value of your Fixed Deposit which ranges from 80 to 90% of the total FD amount. The advantage of this credit card is that you don’t have to pay any kind of annual or joining fee for it up to 4 years. After four years, you will have to pay a nominal fee of INR 499 +GST every anniversary year. Other than this, you will get a number of reward points and special offers on your best credit card in India SBI Unnati. 

  1. Get 1 reward point per INR 100 spent

  2. Milestone offer of INR 500 cashback if you achieve annual spend of INR 50,000 or more in just 15 days

  3. You can redeem the reward points for the gifts from the Rewards Catalogue.

  4. Get 1% fuel surcharge waiver for each transaction between INR 500 & INR 3000 on fuel refiling 

You can use your SBI Unnati Credit Card in over 24 million outlets across the world, including 3,25,000 merchant outlets in India. Use your best credit card in India to make payments at any outlet where Visa or MasterCard is accepted. Now make your daily purchases easy with SBI Unnati Credit Card. Just wave your card at a secure reader for fast & convenient payment. There is no need to hand over your card or enter the PIN number. This contactless transaction feature of your SBI card, significantly reduces the risk of card loss and fraudulent transactions due to counterfeit. With the unique security key feature of Visa payWave, the card will ensure that only one transaction goes through.
Labels:
Location: India

Comments

Post a Comment

Popular posts from this blog

Choose SBI Unnati Credit Card To Save Annual Fees

Credit cards have been one of the finest banking instruments for customers who want to enjoy the facility of ‘Buy Now, Pay Later.’ Customers can purchase anything they want with their credit cards and pay the amount on or before the due date without any interest in it. Also, they can convert their high-ticket purchases into easy monthly installments. But what to do if the bank refuses to provide you a credit card because of your poor score? Well, in such a case you can opt for an SBI Unnati Credit Card . You must be thinking about how you can get this card if your credit score is poor? Well, this credit card from the largest bank in India is a secured card. By secure, we mean a customer needs to open a fixed deposit worth INR 25,000 or more with the SBI and this FD will act as a security against your credit card. Since you are opening a fixed deposit in SBI, the bank will be able to trust you. If you are thinking you won’t get normal credit card features because of its secured nature,
Post a Comment
Read more

Choose IndusInd Bank Credit Card To Enjoy Several Benefits

Credit Cards are one of the most popular banking products that has evolved over the course of the past few years. Since the introduction of credit cards into Indian market, individuals have taken them hands on due to amazing cashback offers and reward products. There are several banks and financial products that provide an extensive range of credit cards to customers across different categories such  as entertainment, travel, food, etc. IndusInd Bank is one of the leading private banks to customers. IndusInd Bank Credit Card is one of their products that so many people opt to get the benefits of.  There are several kinds of credit cards across different categories that you can choose according to your spending habits. What is the reason behind it? Well, each individual wants to have an IndusInd credit card that suits his or her lifestyle habits and other spendings. In this article, we will be talking about the IndusInd Bank Signature Visa Credit Card that gives you some amazing privil
Post a Comment
Read more

Top ICICI Credit Card Offers Available for Customers

ICICI Bank provides you a wide range of credit cards. And among them there are some of the top credit card offers which are available for you. Here in this post today you will know which are those ICICI credit cards and why they are the best offers. Read and know more. List of ICICI Bank Credit Cards ICICI Bank is among the top credit card providers and with its offers, you can get benefits on fuel, travel, shopping, dining, entertainment and more. Have a look at the below ICICI credit cards . ICICI Bank Coral Contactless Card With this ICICI credit card you will get the following rewards on credit card payment:- 2 PAYBACK Points on credit card payment of INR 100 and above (Except for Fuel) 1 PAYBACK Points on credit card payment of INR 100 and above (on utilities and insurance categories) Using this credit card offer you can save upto INR 15,772 on Annual Spend of INR 4 Lakh. ICICI Bank Coral Contactless Card is available to both salaried and self-employed, and for this you need to p
Post a Comment
Read more