Shopping Credit Cards

Approval Rate: High

ICICI Bank Premium/Lifestyle Credit Cards

4.3 ☆

Reward Type

Reward Points

Joining Fee

Emeralde: ₹12,499 + GST | Times Black: ₹20,000 + GST | Sapphiro: ₹3,500 + GST | Rubyx: ₹1,000 + GST

Interest Rate

Up to 3.4% per month (40.8% annually)

Annual Fee

Emeralde: ₹12,499 (waived on ₹10L spend) | Times Black: ₹20,000 (waived on ₹25L spend) | Sapphiro: ₹3,500 (waived on ₹6L spend) | Rubyx: ₹1,000 (waived on ₹3L spend)

Approval Rate: High

ICICI Bank Fuel Credit Cards

4.3 ☆

Reward Type

Reward Points and Cashback

Joining Fee

HPCL Coral Credit Card (Visa/MasterCard): ₹199 + GST

Interest Rate

Up to 3.50% per month (42% per annum) on extended credit and cash advances

Annual Fee

HPCL Coral Credit Card (Visa/MasterCard): ₹199 + GST (waived on annual spends of ₹50,000)

Approval Rate: Moderate to High

ICICI Bank Shopping Credit Cards

4.3 ☆

Reward Type

Reward Points and Cashback

Joining Fee

₹500 + GST for certain cards.

Interest Rate

Up to 3.40% per month (40.8% per annum) on extended credit and cash advances.

Annual Fee

₹500 + GST from the second year onwards, which may be waived based on annual spending thresholds.

Approval Rate: High

ICICI Bank Travel Credit Cards

4.3 ☆

Reward Type

Travel Rewards

Joining Fee

Nil

Interest Rate

Up to 3.40% per month (40.8% per annum) on extended credit and cash advances.

Annual Fee

Nil

Approval Rate: High

ICICI Bank Cashback Credit Cards

4.3 ☆

Reward Type

Cashback

Joining Fee

Varies by card variant; for example, ₹500 + GST for certain cards.

Interest Rate

Up to 3.40% per month (40.8% per annum) on extended credit and cash advances.

Annual Fee

Varies by card variant; for instance, ₹500 + GST from the second year onwards, which may be waived based on annual spending thresholds.

Approval Rate: High

ICICI Bank Rewards Credit Cards

4.3 ☆

Reward Type

Rewards

Joining Fee

Nil

Interest Rate

Up to 3.40%

Annual Fee

Nil

Approval Rate: High

HSBC Premium/Lifestyle Credit Cards

4.3 ☆

Reward Type

Reward Points (Convertible to Air Miles, Hotel Loyalty Points, and Vouchers)

Joining Fee

SBC Premier Credit Card: ₹12,000 (waived for eligible HSBC Premier customers)

Interest Rate

Up to 3.6% per month (43.2% per annum)

Annual Fee

HSBC Premier Credit Card: ₹20,000 (waived for eligible HSBC Premier customers)

Approval Rate: High

HSBC Shopping Credit Cards

4.3 ☆

Reward Type

Cashback and Reward Points

Joining Fee

Nil​

Interest Rate

Up to 3.6% per month (43.2% per annum)​

Annual Fee

Nil​

Approval Rate: High

HSBC Travel Credit Cards

4.3 ☆

Reward Type

Reward Points (Convertible to Air Miles)

Joining Fee

Varies by card (e.g., ₹1,000 for HSBC TravelOne Credit Card)

Interest Rate

Up to 3.6% per month (43.2% per annum)

Annual Fee

Varies by card (e.g., ₹1,000 for HSBC TravelOne Credit Card)

Approval Rate: High

HSBC Cashback Credit Cards

4.3 ☆

Reward Type

Cashback

Joining Fee

₹999

Interest Rate

Up to 3.6% per month (43.2% per annum)

Annual Fee

₹999 (Waived upon annual spending of ₹2,00,000 or more)

HSBC Rewards Credit Cards

4.3 ☆

Reward Type

Varies by card (₹0 – ₹12,000)

Joining Fee

Varies by card (₹0 – ₹20,000), with waiver options based on eligibility criteria

Interest Rate

Up to 3.6% per month (43.2% per annum)

Annual Fee

Varies by card (₹0 – ₹20,000), with waiver options based on eligibility criteria

Approval Rate: High

HDFC Bank Secured Credit Cards

4.3 ☆

Reward Type

Reward Points / Cashback

Joining Fee

Varies by card (₹500 – ₹1,000)

Interest Rate

Up to 3.6% per month (43.2% per annum)

Annual Fee

Varies by card (₹500 – ₹1,000), with waiver options based on annual spend