TOP 5 STARTER CREDIT CARDS IN INDIA FOR YOUTH IN 2019

1.AMAZON PAY ICICI BANK CREDIT CARD

Amazon Pay ICICI Bank Credit card is a credit card issued by ICICI Bank in collaboration with Amazon Pay and Visa. This is a lifetime free credit-card with no joining fees or renewal fees. It makes online shopping more enjoyable by providing a ocean of discounts and offers.

BENEFITS:

  • Amazon Prime customers earn 5% back on Amazon.in.
  • Non-prime customers earn 3% back on Amazon.in.
  • Get 2% back on 100+ Amazon Pay partner merchants on using this card through Amazon Pay.
  • Get 1% back on other payments.
  • Save a minimum of 15% on your dining bill at participating restaurants through Culinary Treats Programme.
  • A complete waiver of 1% on fuel surcharge every time you refuel.
  • Rewards will be in the form of Amazon Pay balance.

2. HDFC BANK REGALIA FIRST CREDIT CARD

HDFC Bank Regalia First Credit Card is a card crafted with perfection for the distinguished few. It helps you create an album of memories by providing benefits on shopping, travel and entertainment.

BENEFITS:

  • Earn 7,500 Reward Points spends of Rs. 6,00,000 or more in each anniversary year.
  • Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year.
  • Get preferential access to over 1000+ airport lounges around the world with complimentary Priority Pass Membership.
  • Earn 4 Reward Points on every Rs. 150 spent.
  • Redeem reward points for Free Air Tickets and against exclusive lifestyle options.
  • 1% fuel surcharge waived off on fuel transactions on minimum transaction of Rs.400 (Maximum cash back of Rs.500 per statement cycle).
  • Enjoy lowest foreign currency markup of 2% on all your foreign currency spends.
  • Credit liability cover of Rs.500,000.
  • Accidental cover upto Rs. 50 Lakh.
  • Each Reward Point is worth 30 paise.
  • Up to 15% discount on dining at premium restaurants across India.

3.STANDARD CHARTERED MANHATTAN CREDIT CARD

Are you a shopaholic?

If your answer is yes, then this is the best card for you. The cardholder’s get reward points on shopping at departmental stores and cashback offers on supermarket and grocery spends, along with rewards on other expenses.

BENEFITS:

  • Joining fee of Rs.499 and an Annual fee of Rs.999.
  • The customers can transfer balance up to Rs. 5,00,000 from other bank credit card at low interest rate.
  • The customers can get loan on credit card up to Rs.7,50,000 in 2 days via NEFT.
  • Customers can avail 5% cashback when shopping at supermarkets.
  • Customers can earn 3X reward points for all other expenses.
  • Customers can avail 10% cashback on Ola rides, upto 12% discount at Hotels.com and 20% off at Millennium hotels.
  • Customers can avail 25% discount on movie tickets and 10% discount on food and beverages on Fridays, Saturdays, and Sundays at IONX.
  • Get BookMyShow vouchers worth Rs. 2,000 on the first transaction within 90 days.
  • Customers can enjoy complimentary welcome drink, greetings from the head chef at the Square Pan and get 10% off on total bill at GoGourmet and Baskin Robbins.

4.AMEX EVERYDAY SPEND GOLD CREDIT CARD

Amex everyday credit card is yet another card brought for you with an annual fee of just Rs.495. It rewards you for making purchases every month on groceries and shopping and gives extra bonus points on using the card more.

BENEFITS:

  • Get Welcome gift cashback of Rs.500 on spending Rs.10,000 in first 90 days of card issuance.
  • Earn 10X reward points for every INR 50 spent on Flipkart & Ola, capped at 500 points per month.
  • Earn 5X Membership Rewards Points on purchases made at Big Bazaar, Uber, Amazon, BookMyShow, and many more, capped at 250 points per month.
  • You earn 1 Membership Rewards Point on every Rs. 50 spent except for spend at Fuel.
  • Get a renewal fee waiver on eligible spends of Rs.39,999 in the previous year of the card issuance.
  • Purchases can be converted into EMIs at an interest rate as low as 12% p.a. and zero foreclosure charges.

5.HSBC VISA PLATINUM CARD

This credit card offered by HSBC bank is preferred by many people because of the endless rewards it offers. Cardholders can enjoy cashback, reward points, discounts and much more.

BENEFITS:

  • Avail 10% cashback on all spends on at least 3 transactions of min. Rs.10,000 within 90 days of issuance(Maximum cashback of Rs.3,000).
  • Earn 6 reward points on retail purchases made on your birthday.
  • Earn 2 points on every Rs.150 spent using the card.
  • Earn extra points at selected partner merchants.
  • Earn 5x reward points on all transactions of at least Rs.4,00,000 p.a.
  • Spend at least Rs.50,000 in a month to avail movie vouchers worth Rs.500.
  • Enjoy fuel surcharge waiver when you pay for fuel using the card.
  • Enjoy discounts on dining under HSBC Dining Privileges.

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