These top 5 Credit Cards can make your life easier; Know their features

Use of Credit Cards is no doubt very handy as they are one of the best financial tools available, but you must regularly pay the amounts you owe or else you will end up in spiralling debt. These cards are part and parcel of our life with the pace of digitisation gaining acceptance in India. Since these cards facilitate users' quick requirement of money, they have now become a necessity in modern lifestyle, especially as you get the flexibility to buy now and pay later.

In past few years, Credit Card companies have extended some of very amazing benefits for cardholders, thereby making these cards more accessible for user. If you are in the process of choosing a credit card, here are top five credit cards that will offer you maximum benefits. Here are they: 

1. Simply Click SBI Credit Card

This card offered by largest public sector bank, State Bank Of India (SBI) is considered to be a blessing in disguise for online shoppers, offering tremendous benefits to such people. This is also considered to be one-of-its-kind credit card that will facilitate you with 10 times more reward points if you shop through any of their online e-commerce partners like Amazon, Bookmyshow, Zoomcar, and Cleartrip. 

Further, the card offers 5 times the Reward points if you go for other purchases. It also provides Fuel Surcharge waiver if you buy fuel using this Simply Click SBI Credit Card. But for all thes benefits, you need to an annual fee of only Rs 499. This fee is also waived off if you spend more than 1 Lakh per annum using the card.

2. CitiBank Cashback Credit Card

This Citibank card is also called the Cashback card as it provides a lot of cashback offers on your purchases. On buying movie tickets, you an get a flat 5% cashback and you can also avail the same benefit in case of paying your utility bills including electricity bill or mobile bills. 

You also get 0.5% cash back on other purchases. Therefore, every time you spend from this Credit Card, you get a cashback. Further, you can also convert your purchases above Rs 2000 into equal monthly installments, but for availing all these benefits you need to pay an annual fee of Rs 500.

3. ICICI Instant Platinum Credit Card

If you are a self-employed person, or a homemaker or a student or someone who has a bad credit history due to a past financial crisis and want to have a credit card; you can avail this card because ICICI bank offers ICICI Instant Platinum Card those who hold Fixed Deposits with them without any financial documents.

ICICI Instant Platinum Credit Card will offer you a 15% discount at around 800 leading restaurants across the country. Users can also get a discount of Rs 100 twice a month if they buy movie tickets through this card, which comes with Zero annual fees.

4. AXIS Bank Neo Credit Card

For movie buffs and shopaholics, Axis Bank Credit Card offers excellent shopping, dining and entertainment benefits, as it provides 10% cashback if you use it for booking movie tickets, for any online shopping or even for mobile recharges. Users can also get additional benefits from some of the top e-commerce sites. Jabong gives you complimentary vouchers of Rs 500; Myntra gives an additional 10% discount on every transaction of more than Rs 500; and the card also gives you an option to convert your purchases into EMIs.

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5. Standard Chartered Manhattan Platinum Credit Card 

From point of view of shopping, dining out, cashback as well as reward points, this card is most sought after, as it gives 5% cashback on grocery purchase. And if you buy grocery from any departmental store like Big Bazaar, Reliance Fresh, More, you get a flat 5% cash back on your bill amount. 

However, users have to pay an annual fee of Rs 499 in the first year and Rs 999 is the renewal fee from a subsequent year onwards. The card also provides you 5 times the reward points if you use it filling petrol, buying tickets or dining out.