Or Your Membership Will 2016: Fill & Download for Free

Thanks for Asking!At Paydeck, we received many a queries like this from our customers, time & again. And thus, we at Paydeck started a “Know Your Card Series”You may have a look at couple of those here at:JetPrivilege HDFC Bank Diners Club Credit CardThis co-branded credit card combines the benefits of Jet Airways and Diners Club with the privileges of HDFC Bank. The JetPrivilege HDFC Bank Diners Club Credit Card gives you exclusive benefits on Jet Airways flight bookings and on dining out. This card is ideal for someone who is a frequent flyer and has a high-end lifestyle.Features and Benefits:The benefits of a JetPrivilege HDFC Bank Diners Club Credit Card are many, though it is only available to the primary cardholder and not for the add-on cards. All JPMiles accrued on retail spends by add-on card members get transferred to the primary cardholder’s account. Some of the key features are outlined below:Welcome gift: As a welcome gift for joining the JetPrivilege HDFC Bank Diners Club Credit Card, you get 15 JetPrivilege Tier Points on the first swipe of your card within 90 days of getting the card. You need to have a JetPrivilege Frequent Flier Membership or enrol in the programme at the time of getting the credit card in order to avail this. You can upgrade or maintain your JetPrivilege membership tier through the JetPrivilege Tier Points earned with your credit card spends on flight bookings through Jet Airways and other shopping as well.Bonus JPMiles: You can earn up to 30,000 Bonus JPMiles – which can be converted to flight bookings. You will get 15,000 JPMiles on the first swipe of your card within 90 days of setting up the card, and another 15,000 JPMiles on total retail expense of Rs. 1.5 lakh or more within the first 90 days.Discount voucher by Jet Airways: You get a discount voucher worth Rs. 750 and waiver of base fare when booking a return ticket through the Jet Airways website. All welcome benefits can be availed once the membership fee is paid.Renewal benefit: When you renew your credit card, you can earn 10,000 JPMiles and 5 JetPrivilege Tier Points when you first swipe your card within 90 days of renewal. You also get discount voucher of Rs. 750 and base fare waiver for a return ticket when booked through the Jet Airways website.JPMiles accrual: You stand to earn 8 JPMiles for every Rs. 150 on retail transactions, and 24 JPMiles on every Rs. 150 spent on flight bookings through Jet Airways website.Golf programme: You get green fee waiver on unlimited Golf games at around 20 golf courses in India and more than 40 golf courses across the world. You could also get free 30-minute Golf Lessons at chosen driving ranges in India. You can reserve by calling 1800-118-887 (from within India) or +91-11-40608635 (from outside India).Concierge services: You can avail 24/7 Concierge Services through your JetPrivilege HDFC Bank Diners Club Credit Card by calling the above numbers.The concierge can take care of the following:Golf course referral and reservationDining referral and reservationFlower and gift deliveryCar rental and limousine referral andHotel referral and reservationBusiness services and courier serviceAirport Lounge access: Primary cardholders can access over 600 airport lounges around the world including in India. The lounges come with facilities such as phones, faxes, wi-fi and conference rooms.JetPrivilege Tier Points: Every time your retail credit card swipes – not fuel spends – cross Rs. 1.5 lakh, you get 1 JetPrivilege Tier Point.Jet Airways privileges: You get a 5% concession on all domestic air ticket purchases made through the credit card on the Jet Airways website if you enter the promocode JTHDFC while checking out. You also get: premier check-in for domestic flights and an extra 10kg baggage allowance on domestic flights.Dining discounts: You can earn up to 15% discount on food and beverage bills at fine dining restaurants in various cities of the country.Classic Banking advantage: HDFC’s Classic Banking allows you to get benefits of the following:Dedicated personal bankerRelationship pricing across productsBenefits for family membersExclusivity with classic branded debit card, cheque book and othersTo avail these, you need to have a savings account with a minimum average quarterly balance of Rs. 1 lakh – either in your own account or as a total in all accounts held by your close family members in HDFC. Otherwise, you could maintain a minimum average monthly balance of Rs. 5 lakh in savings accounts plus term deposits held by you or your immediate family members.EXTRA JPMiles programme: When using your credit card at the outlets of one of the partners of Jet Airways, you can earn additional JPMiles, over and above the usual mile credits you get. There are over 309 EXTRA JPMiles partners with over 2,480 outlets across India. You can find the list of JPMiles Partners on the JPMiles website.Waiver of fuel surcharge: For fuel transactions paid through credit card, you get a refund of the fuel surcharge instead of JPMiles, with effect from April 15, 2016. There will be no refund of service tax on fuel surcharge, though. You can get a maximum refund of Rs. 1,000 every month.No lost card liability: If you lose your credit card, you do not have to bear any liability on the fraudulent transactions made with your card. You should report the loss of card immediately to the 24-hour customer centre, and once the loss is reported, you are absolved of any liability.Revolving credit: Revolving credit on JetPrivilege HDFC Bank Diners Club Credit Card is available at an interest rate of just 1.99% per month.Interest-free credit: You do not have to pay any interest on purchases for 50 days from the date of purchase.Fees and Charges:First-year fee and annual fee Rs. 10,000 (plus service tax)Renewal fee Rs. 5,000 (plus service tax)Cash advance limit 40% of credit limitCash advance fees 2.5% (Minimum Rs. 300)Late payment charges Less than Rs. 100 – None Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 400 Rs. 5001 to Rs. 10000 – Rs. 500 Rs. 10,001 to Rs. 20,000 – Rs. 700 Rs. 20,001 and more – Rs. 700Over limit charges 2.5% of the over-limit amount (Minimum Rs. 500)Payment return charges 2% of payment amount (Minimum Rs. 450)Cash processing fee Rs. 100Rewards redemption fee Nil for JetPrivilege HDFC Bank Diners Club cardBalance Transfer processing charges 2% of balance transfer amount (Minimum Rs. 250)Railway ticket purchase fee Rs. 30 + 2.5% of transaction amountReissue of lost, stolen or damaged card Rs. 100Outstation cheque processing charge Cheque of up to Rs. 5,000 – Rs. 25 Cheque of more than Rs. 5,000 – Rs. 50Foreign currency transactions Cross currency mark-up of 3.5%Service tax As applicable (15% including Swacch Bharat Cess and Krishi Kalyan Cess)Offers on JetPrivilege HDFC Bank Diners Club Credit Card:Online Jewellery Shopping Store India: Get an extra 6% rebate while buying diamond jewellert by using the promocode BSHDFCEX6.Offer valid until September 30, 2016.Big Bazaar: Get 5% off on bills of Rs. 2,000 or more. You get up to Rs. 250 off in a transaction.The offer is valid only on Wednesdays, up to March 31, 2017.Online Shopping India - Shop Online for Branded Shoes, Clothing & Accessories in India | Myntra.com: Get a discount of 25% on a minimum purchase of Rs. 1,999 by using the coupon code HDFC25.Offer valid until October 31, 2016.For more offers, check the bank’s website.Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Pay with Credit Card anytime, anywhere & anyone | PAYDECKDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.JetPrivilege HDFC Bank World Credit CardAn exclusive co-branded credit card, the JetPrivilege HDFC Bank World offers top-of-the-line travel privileges, and an altogether comfortable and comprehensive credit card experience to its cherished patrons. A fine amalgamation of features and benefits, this credit card adds to an already impressive line-up from HDFC bank, and is focussed on the ardent traveler who is looking for the very best, every step of the way. A complete composition of the card’s salient features, and your motivation to select the same are listed below.10000 Jp miles (5000 Jp miles on first swipe within 3 months and 5000 Jp miles on 75k spends in 3 months)4000 Jp miles on renewalBest in class Jp miles accrual – 6 Jp miles per Rs. 150 spent3x Jp miles for flights tickets booked on jet airways websiteComplimentary priority pass membership with 5 free visits annuallyMastercard domestic lounge program accessBenefits:Earn 1 JP Tier Point for every Rs. 2 lakhs spent on the card. Reach the highest JP Tiers quickly.When at airports in India or abroad, avail privileged lounge access and relax in style.Credit card renewal fees waived if upwards of Rs. 3 lakhs is spent on the card, in the span of 12 months leading upto the renewal.Avail extended validity on JPMiles for the duration of 5 years.Features:Welcome Benefit- One complimentary Jet Airways Ticket (Base Fare Waived), avail upto 10,000 Bonus Miles, enjoy discount voucher worth Rs.750 when booking a return ticket on the Jet Airways website.Benefits at Renewal- Avail a complimentary Jet Airways Ticket (Base Fare Waived) upon renewal, within 90 days of renewal- swipe the card and avail 4000 JPMiles, enjoy discount voucher worth Rs.750 when booking a return ticket on the Jet Airways website.JPMiles Accrual Program- Spend Rs.150 on retail purchases to earn 6 JPMiles, spend Rs.150 on flights booked on the Jet Airways website to earn 18 JPMiles.EXTRA JPMiles Programme- 557+ EXTRA JPMiles Partners across 2,480 locations in India, Swipe your card and earn JPMiles- the same will be credited into your JetPrivilege account within 45 days, No added costs to participate in this programme.Tier Points- 1 Tier Point added to your JetPrivilege Frequent Flier Membership for every Rs. 2 lakh spent with the card on retail purchases.The Jet Airways Advantage- 5% discount on all domestic air tickets when booked on the Jet Airways website with the promo code ‘JTHDFC’, premier check-in applies to all domestic flights, additional 10 kg baggage allowed on all domestic Jet Airways flights.Priority Pass Membership- Preferential pass into 600+ airport lounges across the world, at an enrolment fee of just $99, visits limited to 5 per primary card holder and guests allowed at $27 per person.MasterCard Lounge Program- Access to select lounges at airports across India.Waiver of Renewal Fee- Rs.3 lakhs spent in 12 months from card activation, or after card renewal, and the forthcoming card renewal fee is waived off.Waiver of Fuel Surcharge- The applicable fuel surcharge at fuel stations is waived for upto a maximum of Rs.500 per billing cycle.Zero Liability on Lost Card- Report a lost card immediately and be free from any unauthorized transactions made with your lost/stolen credit card.Revolving Credit- This option is available at an interest rate of just 1.99% per month. Revolving credit allows for the automatic renewal of the credit limit as and when the accrued debts are paid off.Interest Free Credit- Enjoy 50 interest free days from the date of purchase using the card.Supplementary Cards- Avail upto 3 add-on cards that will allow your family to enjoy the same benefits as you, with their very own JetPrivilege HDFC Bank World Credit Card.Fees & Charges:The first year and renewal fee on the JetPrivilege HDFC Bank World Credit Card is Rs. 2,500.Supplementary Card fee- None.Free Credit Period- Maximum of 50 days.Minimum amount due per month- 5% or minimum Rs.200Over limit Charges- 2.5% of the overlimit amount, minimum of Rs.500Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Pay with Credit Card anytime, anywhere & anyone | PAYDECKDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Axis Bank Vistara Signature Credit CardAxis Bank Vistara Signature Credit Card is a travel card that offers multiple premium benefits and features to cardholders. Besides this, cardholders can feel protected while travelling as the card offers insurance protection of up to Rs.2.55 Crores.Key Points:Club Vistara (CV) Silver Membership.3,000 Points as joining gift.One Premium Economy class air ticket as welcome gift.4 Club Vistara Points on spends of every Rs.200.Airport lounge access.Benefits:Welcome Offer – Axis Bank Vistara Signature Credit Card offers a Premium Economy Class ticket with the base fare waived off as gift to all the new cardholders. When existing cardholders renew their cards, they also receive the same gift. Apart from this, new cardholders receive 3,000 points as joining gift.Complimentary Club Vistara Membership – All the card members get complimentary Club Vistara (CV) Silver Membership. They can use their membership card to enjoy exclusive CV offers such as additional baggage, priority check-in, etc.CV Points – On spend of every Rs.200, cardholders will earn 4 CV Points.Rewards – When cardholders achieve a milestone, they will get the following:1 Premium Economy ticket with the base fare waived off on spends of Rs.1.5 Lakhs in a year.1 Premium Economy ticket with the base fare waived off on spends of Rs.3 Lakhs in a year.1 Premium Economy ticket with the base fare waived off on spends of Rs.4.5 Lakhs in a year.Dining Offers – The Dining Delights Program of the card allows cardholders to enjoy 15% discount at restaurants in India.Features:Redemption of CV Points – The CV Points that Axis Bank Vistara Signature Credit Cardholders earn on their card can be redeemed for Award Flights and seat upgrades.Lifestyle Benefits – This card allows cardholders complimentary access to select lounges at Indian airports. They can also enjoy offers from the bank’s ‘Extraordinary Weekends’ program.Insurance Protection – Axis Bank Vistara Signature Credit Cardholders receive the following:Delay of Check-In Baggage Coverage – Up to $300.Lost Card Liability – Up to 100% of the credit limit.Air Accident Coverage – Up to Rs.2.55 Crores.Purchase Protection Coverage – Up to Rs.1,00,000.Loss of Check-In Baggage Coverage – Up to $500.Lost Travel Documents Coverage – Up to $300.Interest Free Period – Axis Bank Vistara Signature Credit Cardholders can enjoy an interest free period ranging from 20 days to 50 days.Add-On Cards – Cardholders can apply for add-on cards for their immediate family members.Fees and Charges:Type of Fees and Charges AmountPrimary Card – Annual Fee (paid from the 2nd year) Rs.3,000Primary Card – Joining Fee Rs.3,000Add-on Card – Annual fee No ChargeAdd-on Card – Joining Fee No ChargeCharge for Cash Withdrawal 2.5% of the amount withdrawn (Minimum - Rs.250)Finance Charges 41.75% p.a.Card Replacement Charge WaivedCash Payment Charge Rs.100Overlimit Penalty 3% of the overlimit amount (Minimum – Rs.500)Charge for Duplicate Statement WaivedCharge for Late Payment or overdue penalty No charge, if the amount due is up to Rs.100Rs.100, if the amount due is between Rs.101 and Rs.300Rs.300, if the amount due is between Rs.301 and Rs.1,000Rs.500, if the amount due is between Rs.1,001 and Rs.5,000Rs.600, if the amount due is between Rs.5,001 and Rs.20,000Rs.700, if the amount due is Rs.20,001 and moreCharge for outstation cheque WaivedCharge for Chargeslip Retrieval or Copy Request WaivedSurcharge on cancellation and purchase of railway tickets As prescribed by Indian Railways or IRCTCCharge for dishonour or for Cheque return or Auto-debit ReveINRal INR 300Charge for transactions made in Foreign Currency 3.5% of the transaction amountFuel Surcharge Not applicableFee for Hotlisting WaivedMobile Alerts for Transactions WaivedFee for Balance Enquiry WaivedNote – The rates/fees and charges can be changed at any time by Axis bank.Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Pay with Credit Card anytime, anywhere & anyone | PAYDECKDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Axis Bank Miles and More CardAxis Bank is one of the top banks across the globe that offers great financial services and products to the customers. The credit cards offered by this bank come with immense flexibility and innovation. They are designed to meet the changing needs and requirements of the customers. If you are a frequent flyer then the Axis Bank Miles and More credit card can definitely prove to be of great worth.Types of Axis bank Miles and More Card:There are two types of Miles and More Credit Card offered by Axis Bank to its customers. They are as follows:World CardWorld Select CardFeatures and Benefits of Axis Bank Miles and More Card:This card comes with a myriad of benefits and features. They are given below:If you go for the World Select Card, the Welcome Bonus Miles that you can get is 15,000. If you choose to go with the World Card then you will get 5,000 Bonus Miles.The Bonus award miles that you get on an annual basis with the World Select Card is 4,000. On the other hand, with the World Card, you can enjoy 3,500 Bonus Miles annually.When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Select Card, you can earn 6 miles. When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Card, you can earn 4 miles.When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Select Card on movies, you can earn 20 miles. When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Card, you can also earn 20 miles.Every time you swipe your Miles and More Card for your expenses, you can earn award miles which can be redeemed for flight tickets, exciting products, upgrades, etc.You can avail a discount of 15 % on all your hotel bookings and car rentals.With the Miles and More credit card, you can avail up to 55,000 miles during the first year. These can be redeemed to enjoy exciting rewards.Total Miles that can be earned in 1 yearMonthly Spend World Select Card World CardActivation Welcome Miles Rs 15,000 Rs 5,000Annual Miles on Renewal Rs 4,000 Rs 3,000Spend Linked Miles Rs 1,00,000 Rs 36,000 Rs 24,000Total Miles Rs 55,000 Rs 32,000The miles that you earn can used to redeem several things. These include hotel stays, shopping, flights and upgrades, car rentals or any good cause like sending an orphan child to a school, aforestation etc.The Miles and More credit card comes with the CHIP and PIN feature which provides maximum security against fraudulent activities. The CHIP and PIN feature allows the card to transact and store data in a format that is encrypted. On the CHIP, a PIN is encrypted and only the owner knows the PIN. This CHIP and PIN card can be used directly at the terminals of different merchants.Make use of your Axis Bank Miles and More credit card to pay all your utility bills. Following simple instructions, you can ensure that all your utility bills are paid on time every month.You can avail the benefits of a home loan when you are a privileged Miles and More customer. The processing fee of the home loan is Rs 5,000. The rate of interest that is applicable on the home loan is the prevailing base rate offered by Axis Bank.With this particular credit card, you can avail insurance coverage of up to Rs 5.8 crores.Features World Select Credit Card World Credit CardLost Card Liability cover Rs 300,000 Rs 150,000Personal Accident (Air accident only) Rs 45,000,000 Rs 25,000,000Credit Shield Rs 500,000 Rs 100,000Checked Baggage Loss Rs 30000 Rs 30000Baggage Delay Rs 30000 Rs 18000Loss of Baggage and personal documents Rs 30000 Rs 18000Avail complimentary access to some of the world class airport lounges with this credit card.With the Priority Pass Lounge Access, you can enjoy complimentary access to more than 600 airport lounges around the world.Avail fuel surcharge refund of 2.5% when your fuel transactions range between Rs 400 and Rs 5,000. This is applicable for all the petrol stations across India.You can choose to convert your credit card purchases to monthly instalments.Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Pay with Credit Card anytime, anywhere & anyone | PAYDECKDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.HDFC Regalia First Credit CardHDFC is one of the top banks across the globe that offers great financial services and products. They are designed to meet the needs and requirements of the customers. The Regalia First card offered by HDFC bank is a unique credit that allows you to enjoy great privileges and benefits.Benefits of HDFC Regalia First Credit Card:The Regalia credit card comes with a myriad of benefits. These are as follows:Enjoy great opportunities for saving your hard earned money. With the HDFC Regalia First card, you can choose to save up to Rs 50,000.With the Regalia First card, you can enjoy dining privileges at more than 300 top class restaurants. These restaurants can be a part of leading chains of hotels like Marriott, Vivanta by Taj, Hyatt, The Leela, The Lalit, The Gateway, etc. Avail great savings and complimentary delights every time you use your Regalia credit card for dining.On all the foreign currency spends, you can enjoy the lowest markup of 2%.Avail 0% surcharge when you purchase fuel. However, the minimum transaction to avail 0% fuel surcharge must be Rs 400.On every statement cycle, you can enjoy cashback of Rs 500.Manage all your payments at ease and avail interest free credit for a period of 50 days. You may choose to make a payment for the minimum due only. The remaining amount will be taken forward to the next month’s cycle. The interest rate is as low as 2.95% per month.The Rewards Points that you earn using this particular credit card can be redeemed for booking airline tickets, hotel bookings, movie ticket purchases and mobile or DTH recharge. When redeemed on the website of HDFC bank, each point will be worth 40 paisa.Features of Regalia First Credit Card:The features of the Regalia First card are as follows:Avail complimentary access to more than 850 airport lounges across the globe.At these airport lounges, you can enjoy different facilities including, faxes, phones, internet and conference rooms. If you are the principal cardholder, you will be getting four free accesses each year to the priority pass airport lounges.Using your Regalia First credit card, your guests can also use the facilities at the airport lounges. However, for them a fee of $27 per visit will be charged. The usage charges for the lounges may differ from one lounge to another.For every Rs 150 that you spend using this credit card, you can earn 4 Rewards Points. For any booking that you do via Credit card loyalty program for HDFC Bank premium customers, you can earn 2X Rewards Points (8 points). You may also earn 2X Rewards Points when you spend at stand-alone restaurants on dining. Earn Rewards Points for all your entertainment and travel booking done through Credit card loyalty program for HDFC Bank premium customers. The Rewards Points can be redeemed for various gifts that you may choose from the catalogue provided by HDFC bank.The Rewards Points that you earn can be converted to air miles. These air miles can be used for both international flights and domestic flights.Avail comprehensive insurance coverage against several risks that you might encounter with. A compensation of Rs 50 lakh will be given to your nominated kin in th event of an air accident. In case there is a medical emergency situation when you are in a foreign country, avail Rs 10 lakh as medical emergency protection cost. The claim documents must be sent to HDFC Ergo General Insurance Company situated in Noida.Fees and ChargesInterest free period 50 daysMinimum amount to be repaid 5% of the outstanding balance or Rs 200, whichever is higherLimit on Cash Advance 40% of the total credit limitRenewal / Annual Fee Rs 1,000 / Rs 1,000Condition for annual fee waiver Membership fee for the first year is waived off when you spend a minimum amount of Rs 15,000 within a period of 90 days from the set up date of the card. When you spend Rs 1 lakh in one year, the membership fee for the next year will be waived off.Fee for additional card Up to 3 additional cards are free for a lifetimeRevolving credit charges 2.95% every month (Annual – 35.4%)Charges for cash advance Rs 300 or 2.5% of the withdrawn amount, whichever is moreOverlimit account charges 2.5% of the overlimit amount. This fee is subject to a minimum amount of Rs 500.Payment return charges 2% of the payment amount. This fee is subject to a minimum amount of Rs 400.Fee for cash processing Rs 100Fee for Rewards redemption Rs 75 for every redemption requestProcessing charges for balance transfer Rs 250 or 2% of the balance transfer amount, whichever is moreFee for purchase of Railway tickets Rs 30 added with 2.5% of the total transaction amount. This is applicable if you are carrying out the transaction via HDFC payment gateway. On any other gateway, you will have to pay the fee as per the IRCTC rulesStolen / Damaged / Lost card Rs 100Processing charge for Cheque (outstation) Rs 25 for Cheque value of Rs 5,000. If the Cheque value is above Rs 5,000 then the fee is Rs 30Foreign currency transactions 2%Krishi Kalyan Cess, Swachh Bharat Cess and Service Tax This is applicable on all interest, fees and other chargesKnow Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Pay with Credit Card anytime, anywhere & anyone | PAYDECKDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.HDFC Bank Diners Club Black Credit CardIf you are in search of a credit card that offers travel, lifestyle, golf and other benefits, then you should apply for a HDFC Bank Diners Club Black Credit Card.The card has an amazing rewards program and it also offers insurance protection to all the cardholders.Key Highlights:2x Reward Points on air ticket or hotel bookings.24x7 Concierge Service.5 Reward Points per Rs.150 spent at retail stores.10 Reward Points on every Rs.150 spent on HDFC Bank Diners Club website.Green Fee Waiver at golf courses.Benefits:Welcome Offer – When you apply for a HDFC Bank Diners Club Black Credit Card, you will receive 10,000 Reward Points as welcome gift. You will also receive 5,000 bonus points when you renew your card.Travel Benefits – Avail 2x Reward Points when you book hotels or air tickets on HDFC Bank Diners Club website using your HDFC Bank Diners Club Black Credit Card.Fee Waiver – If you spend Rs.5 Lakhs in a period of 12 months using this card, your renewal fee for the next year will be waived off. If you spend Rs.1,00,000 within the first 90 days of receiving the card, your membership fee for the first year will be waived off.Lifestyle Benefits – Cardholders can enjoy 24x7 Concierge services. The concierge will make golf course, dining, hotel, etc. reservations on behalf of the members and also provide other types of assistance such as flower and gift delivery, courier service, car rental, etc.Exclusive Offers – Cardholders can enjoy exclusive offers from the Taj Group of Hotels. The card provides amazing stay offers for properties such as the Taj Luxury Vivanta and the Gateway. Cardholders can make use of complimentary offers on Taj Safaris and unique offers on Taj Air.Features:Insurance Protection - Apply for a HDFC Bank Diners Club Black Credit Card to avail the following:Air Accident coverage worth Rs.2 Crore.Emergency Medical Expenses coverage worth up to Rs.50 Lakhs.Credit Liability coverage worth Rs.9 Lakhs.Travel Insurance coverage worth up to Rs.55,000 in case of loss or delay of baggage.Golf Program – Cardholders can play unlimited golf games in around 20 golf courses across India and in more than 40 golf courses in the world. Also, get unlimited access to golf lessons for free at certain Driving ranges.Redemption – Cardholders can use their Reward Points to book hotels or air tickets on the HDFC Bank Diners Club website. The value of 1 Reward Point is Re.1. They can also redeem their points for AirMiles of Air India, Jet Airways or Singapore Airlines. The value of 1 Reward Point is 0.7 AirMile. Apart from this, they can redeem points to avail products listed in the redemption catalogue of the card.Airport Lounge Access – The cards Exclusive Lounge Program allows cardholders to enjoy access to airport lounges all over the world.Revolving Credit Facility – Cardholders can enjoy revolving credit facility on this card at very low rate of interest.Low Mark Up on Foreign Currency – HDFC bank offers on of the lowest mark up on foreign currency transactions made using this card.Fuel Surcharge Waiver – If you spend between Rs.400 and Rs.1,00,000 on fuel using this card, your fuel surcharge will be waived off.Fees and Charges:Type of Fees and Charges AmountMembership fee for the first year Rs.10,000 plus taxMembership fee for card renewal Rs.5,000 plus taxAdd-on Cards Up to 3 cards free for lifetimeInterest free period 20 to 50 daysMark Up on Foreign Currency 2%Interest Rate on revolving credit 1.99%Cash Advance Limit 40% of credit limitCash Advance fee on transactions 2.5% (Minimum – Rs.300)Finance Charge on Cash Advance 1.99% per monthLate Payment Charges If outstanding balance is less than Rs.100, then nothing will be charged.If outstanding balance ranges from Rs.100 to Rs.500, then Rs.100 will be charged.If outstanding balance ranges from Rs.501 to Rs.5,000, then Rs.400 will be charged.If outstanding balance ranges from Rs.5,001 to Rs.10,000, then Rs.500 will be charged.If outstanding balance ranges from Rs.10,001 to Rs.20,000, then Rs.700 will be charged.If outstanding balance is Rs.20,001 or more, then Rs.700 will be charged.Overlimit charge 2.5% of the overlimit amount (Minimum – Rs.500)Minimum Repayment Amount 5% (Minimum – Rs.200)Payment return fee 2% of the payment amount (Minimum – Rs.450)Fee for processing cash Rs.100Fee for Balance Transfer 2% of the amount (Minimum – Rs.250)Fee for purchasing railway ticket Rs.30 plus 2.5% of the transacted amountMaximum fuel surcharge waiver Rs.1,000 per billing cycleFee for reissuing lost/damaged/stolen card Rs.100Cheque processing fee Rs.25, if the value of cheque is up to Rs.5,000. Rs.50, if the value of cheque is more than Rs.5,000Chargeslip retrieval fee Rs.125 for each chargeslipSwachh Bharat Cess, Service Tax and Krishi Kalyan Tax will be applicable on all the fees and charges.The above mentioned rates/fees & charges may be changed at the discretion of the bank.Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Pay with Credit Card anytime, anywhere & anyone | PAYDECKDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Jet Airways Voyage American Express Card® from IndusInd BankIncrease your weekend fun with 6 JP Miles per Rs. 100 spent2x JPMiles earning on Jet Airways SpendsWelcome Bonus of 7500 JPMiles and a complimentary Jet Airways ticketIndulge in life full of privileges with offers on movies, dining and more* TnC ApplyBenefits of Jet Airways Voyage American Express Card from IndusInd Bank:This card opens a new world of special travel deals and Jet Airways benefits. Here are some of the benefits that makes this card the best of its kind.Travel BenefitsGet access to over 600 premier airport lounges across the world and waivers on lounge usage charges with the card. Cardholders also get a complimentary travel insurance cover.Deals from Jet AirwaysCardholders get 5% discount on the base fare for domestic and international tickets when booked online using Jet Airways IndusInd Voyage card.Jet Privilege ProgramAs a welcome gift, cardholders are enrolled into the Blue Tier of Jet Privilege program. First time users will also be entitled to bonus JPMiles and attractive discount on the first ticket.Air Accident CoverCustomers get a complimentary personal air accident insurance cover of up to Rs. 25 Lakhs.Features of Jet Airways IndusInd Bank Voyage Credit Card:Specially designed for the frequent air traveler, this card comes with countless features that makes every journey more rewarding. Listed below are some unique features that come with this card.As a joining bonus, 7,500 JPMiles are credited and the base fare for the first ticket booked with Jet Airways online is waived off.Cardholders stand to get a 5% discount on all bookings made through Jet Airways online.With the Priority Pass membership, cardholders can access over 600 VIP lounges at world’s leading airports.You can also save up to 20% at restaurants across 7 Indian cities.For transactions between Rs.400 to Rs.4000 made using the card, a fuel surcharge of 2.5% is offered.Other benefits include dedicated concierge assistance, business support services and discounted golf coaching classes at leading golf courses.Jet Airways IndusInd Bank Voyage Credit Card Fees and Charges:The joining fee for Jet Airways Voyage American Express Card from IndusInd Bank is Rs.4000. The annual fee from the second year of membership is Rs.2000.To continue earning more than 50,000 JPMiles per year, cardholders will be required to pay an uncapping annual fee of Rs. 7,500.Redeeming JPMiles:The JPMiles points will automatically accumulate on your card every time you book a ticket on Jet Airways. The JPMiles points accumulated on your card can be used to book flights on Jet Airways. To upgrade the flight class from Economy to Business Class or from Business to First class, Miles can be used.Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Pay with Credit Card anytime, anywhere & anyone | PAYDECKDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Citi Cashback Card5% Cash back on transactions done for Movies, telephone bill payments and Utility payments through Citi Billpay. Cash back is capped at Rs.100 per month for each category0.5% Cash Back on all other spends. No cap on cash back earnedAnnual Fee of Rs. 500 – to be charged in the first statement and thereafter, every 12 monthsCash back earned gets auto credited on accumulation of a minimum of Rs.500, and thereafter, in multiples of Rs.500Annual fee INR 500Citi Cash Back Credit Card Benefits:*The Citi Cash Back credit card offers a bundle of benefits, helping customers save while they shop their heart out.*Customers can get 5% cash back on all movie ticket purchases.Telephone bill payments earn a cashback of 5%.*Card holders can get 5% cash back on all utility bill payments made via Citibank Online Bill Pay with a cap of Rs 100 per month on the utility bill cashbacks.*On all other transactions, customers get 0.5% cash back.Citibank Cash Back Card Features:*Cash back redemption can be done in multiples of Rs 500 which will reflect on the monthly statement.*Customers can enjoy exclusive discounts of up to 20% across 2000 restaurants all over India.*For shopaholics, the card offers unbeatable savings and deals at retail stores across the country.*Card holders can also choose to pay back their purchases as EMIs while using their cards in over 2000 consumer electronic outlets, retail chains and e-retailers.*The card offers a bunch of value-added services like instant loans, easy payment and balance transfer options from any other bank in India. Paylite from Citibank offers balance transfers at 12% interest rate per annum with convenient repayment plans.*Customers can access any information regarding their credit cards using Citibank’s mobile banking, online banking, SMS banking or phone banking services.Fees and Charges:*Customers are charged an interest rate of 2.50% per month, which totals up to 30% annually. The interest rates tend to change depending on the customer’s spend, payment and utilization patterns and is at the bank’s discretion.*Citi Cash Back credit card customers have to pay an annual fee of Rs. 500 which is billed in the first month statement of the card.Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Pay with Credit Card anytime, anywhere & anyone | PAYDECKDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.We love credit cards, but we dont know which one is for us!Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Pay with Credit Card anytime, anywhere & anyone | PAYDECKDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Hope it Helps!If you have any further query, please do ask. Would love to learn further with you on the same.

In aspect of India:For the sake of Most curated answer for the best credit card & with their offerings, We at Paydeck started a “Know Your Card Series”. Also, apart of this, I will advise you to check and compare the best cards which will work as per use case at: Bank Bazaar’s website. They have the most awesome list with reviews & all.In between, You may have a look at couple of those here at:JetPrivilege HDFC Bank Diners Club Credit CardThis co-branded credit card combines the benefits of Jet Airways and Diners Club with the privileges of HDFC Bank. The JetPrivilege HDFC Bank Diners Club Credit Card gives you exclusive benefits on Jet Airways flight bookings and on dining out. This card is ideal for someone who is a frequent flyer and has a high-end lifestyle.Features and Benefits:The benefits of a JetPrivilege HDFC Bank Diners Club Credit Card are many, though it is only available to the primary cardholder and not for the add-on cards. All JPMiles accrued on retail spends by add-on card members get transferred to the primary cardholder’s account. Some of the key features are outlined below:Welcome gift: As a welcome gift for joining the JetPrivilege HDFC Bank Diners Club Credit Card, you get 15 JetPrivilege Tier Points on the first swipe of your card within 90 days of getting the card. You need to have a JetPrivilege Frequent Flier Membership or enrol in the programme at the time of getting the credit card in order to avail this. You can upgrade or maintain your JetPrivilege membership tier through the JetPrivilege Tier Points earned with your credit card spends on flight bookings through Jet Airways and other shopping as well.Bonus JPMiles: You can earn up to 30,000 Bonus JPMiles – which can be converted to flight bookings. You will get 15,000 JPMiles on the first swipe of your card within 90 days of setting up the card, and another 15,000 JPMiles on total retail expense of Rs. 1.5 lakh or more within the first 90 days.Discount voucher by Jet Airways: You get a discount voucher worth Rs. 750 and waiver of base fare when booking a return ticket through the Jet Airways website. All welcome benefits can be availed once the membership fee is paid.Renewal benefit: When you renew your credit card, you can earn 10,000 JPMiles and 5 JetPrivilege Tier Points when you first swipe your card within 90 days of renewal. You also get discount voucher of Rs. 750 and base fare waiver for a return ticket when booked through the Jet Airways website.JPMiles accrual: You stand to earn 8 JPMiles for every Rs. 150 on retail transactions, and 24 JPMiles on every Rs. 150 spent on flight bookings through Jet Airways website.Golf programme: You get green fee waiver on unlimited Golf games at around 20 golf courses in India and more than 40 golf courses across the world. You could also get free 30-minute Golf Lessons at chosen driving ranges in India. You can reserve by calling 1800-118-887 (from within India) or +91-11-40608635 (from outside India).Concierge services: You can avail 24/7 Concierge Services through your JetPrivilege HDFC Bank Diners Club Credit Card by calling the above numbers.The concierge can take care of the following:Golf course referral and reservationDining referral and reservationFlower and gift deliveryCar rental and limousine referral andHotel referral and reservationBusiness services and courier serviceAirport Lounge access: Primary cardholders can access over 600 airport lounges around the world including in India. The lounges come with facilities such as phones, faxes, wi-fi and conference rooms.JetPrivilege Tier Points: Every time your retail credit card swipes – not fuel spends – cross Rs. 1.5 lakh, you get 1 JetPrivilege Tier Point.Jet Airways privileges: You get a 5% concession on all domestic air ticket purchases made through the credit card on the Jet Airways website if you enter the promocode JTHDFC while checking out. You also get: premier check-in for domestic flights and an extra 10kg baggage allowance on domestic flights.Dining discounts: You can earn up to 15% discount on food and beverage bills at fine dining restaurants in various cities of the country.Classic Banking advantage: HDFC’s Classic Banking allows you to get benefits of the following:Dedicated personal bankerRelationship pricing across productsBenefits for family membersExclusivity with classic branded debit card, cheque book and othersTo avail these, you need to have a savings account with a minimum average quarterly balance of Rs. 1 lakh – either in your own account or as a total in all accounts held by your close family members in HDFC. Otherwise, you could maintain a minimum average monthly balance of Rs. 5 lakh in savings accounts plus term deposits held by you or your immediate family members.EXTRA JPMiles programme: When using your credit card at the outlets of one of the partners of Jet Airways, you can earn additional JPMiles, over and above the usual mile credits you get. There are over 309 EXTRA JPMiles partners with over 2,480 outlets across India. You can find the list of JPMiles Partners on the JPMiles website.Waiver of fuel surcharge: For fuel transactions paid through credit card, you get a refund of the fuel surcharge instead of JPMiles, with effect from April 15, 2016. There will be no refund of service tax on fuel surcharge, though. You can get a maximum refund of Rs. 1,000 every month.No lost card liability: If you lose your credit card, you do not have to bear any liability on the fraudulent transactions made with your card. You should report the loss of card immediately to the 24-hour customer centre, and once the loss is reported, you are absolved of any liability.Revolving credit: Revolving credit on JetPrivilege HDFC Bank Diners Club Credit Card is available at an interest rate of just 1.99% per month.Interest-free credit: You do not have to pay any interest on purchases for 50 days from the date of purchase.Fees and Charges:First-year fee and annual fee Rs. 10,000 (plus service tax)Renewal fee Rs. 5,000 (plus service tax)Cash advance limit 40% of credit limitCash advance fees 2.5% (Minimum Rs. 300)Late payment charges Less than Rs. 100 – None Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 400 Rs. 5001 to Rs. 10000 – Rs. 500 Rs. 10,001 to Rs. 20,000 – Rs. 700 Rs. 20,001 and more – Rs. 700Over limit charges 2.5% of the over-limit amount (Minimum Rs. 500)Payment return charges 2% of payment amount (Minimum Rs. 450)Cash processing fee Rs. 100Rewards redemption fee Nil for JetPrivilege HDFC Bank Diners Club cardBalance Transfer processing charges 2% of balance transfer amount (Minimum Rs. 250)Railway ticket purchase fee Rs. 30 + 2.5% of transaction amountReissue of lost, stolen or damaged card Rs. 100Outstation cheque processing charge Cheque of up to Rs. 5,000 – Rs. 25 Cheque of more than Rs. 5,000 – Rs. 50Foreign currency transactions Cross currency mark-up of 3.5%Service tax As applicable (15% including Swacch Bharat Cess and Krishi Kalyan Cess)Offers on JetPrivilege HDFC Bank Diners Club Credit Card:Online Jewellery Shopping Store India: Get an extra 6% rebate while buying diamond jewellert by using the promocode BSHDFCEX6.Offer valid until September 30, 2016.Big Bazaar: Get 5% off on bills of Rs. 2,000 or more. You get up to Rs. 250 off in a transaction.The offer is valid only on Wednesdays, up to March 31, 2017.Online Shopping India - Shop Online for Branded Shoes, Clothing & Accessories in India | Myntra.com: Get a discount of 25% on a minimum purchase of Rs. 1,999 by using the coupon code HDFC25.Offer valid until October 31, 2016.For more offers, check the bank’s website.Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Disclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.JetPrivilege HDFC Bank World Credit CardAn exclusive co-branded credit card, the JetPrivilege HDFC Bank World offers top-of-the-line travel privileges, and an altogether comfortable and comprehensive credit card experience to its cherished patrons. A fine amalgamation of features and benefits, this credit card adds to an already impressive line-up from HDFC bank, and is focussed on the ardent traveler who is looking for the very best, every step of the way. A complete composition of the card’s salient features, and your motivation to select the same are listed below.10000 Jp miles (5000 Jp miles on first swipe within 3 months and 5000 Jp miles on 75k spends in 3 months)4000 Jp miles on renewalBest in class Jp miles accrual – 6 Jp miles per Rs. 150 spent3x Jp miles for flights tickets booked on jet airways websiteComplimentary priority pass membership with 5 free visits annuallyMastercard domestic lounge program accessBenefits:Earn 1 JP Tier Point for every Rs. 2 lakhs spent on the card. Reach the highest JP Tiers quickly.When at airports in India or abroad, avail privileged lounge access and relax in style.Credit card renewal fees waived if upwards of Rs. 3 lakhs is spent on the card, in the span of 12 months leading upto the renewal.Avail extended validity on JPMiles for the duration of 5 years.Features:Welcome Benefit- One complimentary Jet Airways Ticket (Base Fare Waived), avail upto 10,000 Bonus Miles, enjoy discount voucher worth Rs.750 when booking a return ticket on the Jet Airways website.Benefits at Renewal- Avail a complimentary Jet Airways Ticket (Base Fare Waived) upon renewal, within 90 days of renewal- swipe the card and avail 4000 JPMiles, enjoy discount voucher worth Rs.750 when booking a return ticket on the Jet Airways website.JPMiles Accrual Program- Spend Rs.150 on retail purchases to earn 6 JPMiles, spend Rs.150 on flights booked on the Jet Airways website to earn 18 JPMiles.EXTRA JPMiles Programme- 557+ EXTRA JPMiles Partners across 2,480 locations in India, Swipe your card and earn JPMiles- the same will be credited into your JetPrivilege account within 45 days, No added costs to participate in this programme.Tier Points- 1 Tier Point added to your JetPrivilege Frequent Flier Membership for every Rs. 2 lakh spent with the card on retail purchases.The Jet Airways Advantage- 5% discount on all domestic air tickets when booked on the Jet Airways website with the promo code ‘JTHDFC’, premier check-in applies to all domestic flights, additional 10 kg baggage allowed on all domestic Jet Airways flights.Priority Pass Membership- Preferential pass into 600+ airport lounges across the world, at an enrolment fee of just $99, visits limited to 5 per primary card holder and guests allowed at $27 per person.MasterCard Lounge Program- Access to select lounges at airports across India.Waiver of Renewal Fee- Rs.3 lakhs spent in 12 months from card activation, or after card renewal, and the forthcoming card renewal fee is waived off.Waiver of Fuel Surcharge- The applicable fuel surcharge at fuel stations is waived for upto a maximum of Rs.500 per billing cycle.Zero Liability on Lost Card- Report a lost card immediately and be free from any unauthorized transactions made with your lost/stolen credit card.Revolving Credit- This option is available at an interest rate of just 1.99% per month. Revolving credit allows for the automatic renewal of the credit limit as and when the accrued debts are paid off.Interest Free Credit- Enjoy 50 interest free days from the date of purchase using the card.Supplementary Cards- Avail upto 3 add-on cards that will allow your family to enjoy the same benefits as you, with their very own JetPrivilege HDFC Bank World Credit Card.Fees & Charges:The first year and renewal fee on the JetPrivilege HDFC Bank World Credit Card is Rs. 2,500.Supplementary Card fee- None.Free Credit Period- Maximum of 50 days.Minimum amount due per month- 5% or minimum Rs.200Over limit Charges- 2.5% of the overlimit amount, minimum of Rs.500Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Axis Bank Vistara Signature Credit CardAxis Bank Vistara Signature Credit Card is a travel card that offers multiple premium benefits and features to cardholders. Besides this, cardholders can feel protected while travelling as the card offers insurance protection of up to Rs.2.55 Crores.Key Points:Club Vistara (CV) Silver Membership.3,000 Points as joining gift.One Premium Economy class air ticket as welcome gift.4 Club Vistara Points on spends of every Rs.200.Airport lounge access.Benefits:Welcome Offer – Axis Bank Vistara Signature Credit Card offers a Premium Economy Class ticket with the base fare waived off as gift to all the new cardholders. When existing cardholders renew their cards, they also receive the same gift. Apart from this, new cardholders receive 3,000 points as joining gift.Complimentary Club Vistara Membership – All the card members get complimentary Club Vistara (CV) Silver Membership. They can use their membership card to enjoy exclusive CV offers such as additional baggage, priority check-in, etc.CV Points – On spend of every Rs.200, cardholders will earn 4 CV Points.Rewards – When cardholders achieve a milestone, they will get the following:1 Premium Economy ticket with the base fare waived off on spends of Rs.1.5 Lakhs in a year.1 Premium Economy ticket with the base fare waived off on spends of Rs.3 Lakhs in a year.1 Premium Economy ticket with the base fare waived off on spends of Rs.4.5 Lakhs in a year.Dining Offers – The Dining Delights Program of the card allows cardholders to enjoy 15% discount at restaurants in India.Features:Redemption of CV Points – The CV Points that Axis Bank Vistara Signature Credit Cardholders earn on their card can be redeemed for Award Flights and seat upgrades.Lifestyle Benefits – This card allows cardholders complimentary access to select lounges at Indian airports. They can also enjoy offers from the bank’s ‘Extraordinary Weekends’ program.Insurance Protection – Axis Bank Vistara Signature Credit Cardholders receive the following:Delay of Check-In Baggage Coverage – Up to $300.Lost Card Liability – Up to 100% of the credit limit.Air Accident Coverage – Up to Rs.2.55 Crores.Purchase Protection Coverage – Up to Rs.1,00,000.Loss of Check-In Baggage Coverage – Up to $500.Lost Travel Documents Coverage – Up to $300.Interest Free Period – Axis Bank Vistara Signature Credit Cardholders can enjoy an interest free period ranging from 20 days to 50 days.Add-On Cards – Cardholders can apply for add-on cards for their immediate family members.Fees and Charges:Type of Fees and Charges AmountPrimary Card – Annual Fee (paid from the 2nd year) Rs.3,000Primary Card – Joining Fee Rs.3,000Add-on Card – Annual fee No ChargeAdd-on Card – Joining Fee No ChargeCharge for Cash Withdrawal 2.5% of the amount withdrawn (Minimum - Rs.250)Finance Charges 41.75% p.a.Card Replacement Charge WaivedCash Payment Charge Rs.100Overlimit Penalty 3% of the overlimit amount (Minimum – Rs.500)Charge for Duplicate Statement WaivedCharge for Late Payment or overdue penalty No charge, if the amount due is up to Rs.100Rs.100, if the amount due is between Rs.101 and Rs.300Rs.300, if the amount due is between Rs.301 and Rs.1,000Rs.500, if the amount due is between Rs.1,001 and Rs.5,000Rs.600, if the amount due is between Rs.5,001 and Rs.20,000Rs.700, if the amount due is Rs.20,001 and moreCharge for outstation cheque WaivedCharge for Chargeslip Retrieval or Copy Request WaivedSurcharge on cancellation and purchase of railway tickets As prescribed by Indian Railways or IRCTCCharge for dishonour or for Cheque return or Auto-debit ReveINRal INR 300Charge for transactions made in Foreign Currency 3.5% of the transaction amountFuel Surcharge Not applicableFee for Hotlisting WaivedMobile Alerts for Transactions WaivedFee for Balance Enquiry WaivedNote – The rates/fees and charges can be changed at any time by Axis bank.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Axis Bank Miles and More CardAxis Bank is one of the top banks across the globe that offers great financial services and products to the customers. The credit cards offered by this bank come with immense flexibility and innovation. They are designed to meet the changing needs and requirements of the customers. If you are a frequent flyer then the Axis Bank Miles and More credit card can definitely prove to be of great worth.Types of Axis bank Miles and More Card:There are two types of Miles and More Credit Card offered by Axis Bank to its customers. They are as follows:World CardWorld Select CardFeatures and Benefits of Axis Bank Miles and More Card:This card comes with a myriad of benefits and features. They are given below:If you go for the World Select Card, the Welcome Bonus Miles that you can get is 15,000. If you choose to go with the World Card then you will get 5,000 Bonus Miles.The Bonus award miles that you get on an annual basis with the World Select Card is 4,000. On the other hand, with the World Card, you can enjoy 3,500 Bonus Miles annually.When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Select Card, you can earn 6 miles. When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Card, you can earn 4 miles.When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Select Card on movies, you can earn 20 miles. When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Card, you can also earn 20 miles.Every time you swipe your Miles and More Card for your expenses, you can earn award miles which can be redeemed for flight tickets, exciting products, upgrades, etc.You can avail a discount of 15 % on all your hotel bookings and car rentals.With the Miles and More credit card, you can avail up to 55,000 miles during the first year. These can be redeemed to enjoy exciting rewards.Total Miles that can be earned in 1 yearMonthly Spend World Select Card World CardActivation Welcome Miles Rs 15,000 Rs 5,000Annual Miles on Renewal Rs 4,000 Rs 3,000Spend Linked Miles Rs 1,00,000 Rs 36,000 Rs 24,000Total Miles Rs 55,000 Rs 32,000The miles that you earn can used to redeem several things. These include hotel stays, shopping, flights and upgrades, car rentals or any good cause like sending an orphan child to a school, aforestation etc.The Miles and More credit card comes with the CHIP and PIN feature which provides maximum security against fraudulent activities. The CHIP and PIN feature allows the card to transact and store data in a format that is encrypted. On the CHIP, a PIN is encrypted and only the owner knows the PIN. This CHIP and PIN card can be used directly at the terminals of different merchants.Make use of your Axis Bank Miles and More credit card to pay all your utility bills. Following simple instructions, you can ensure that all your utility bills are paid on time every month.You can avail the benefits of a home loan when you are a privileged Miles and More customer. The processing fee of the home loan is Rs 5,000. The rate of interest that is applicable on the home loan is the prevailing base rate offered by Axis Bank.With this particular credit card, you can avail insurance coverage of up to Rs 5.8 crores.Features World Select Credit Card World Credit CardLost Card Liability cover Rs 300,000 Rs 150,000Personal Accident (Air accident only) Rs 45,000,000 Rs 25,000,000Credit Shield Rs 500,000 Rs 100,000Checked Baggage Loss Rs 30000 Rs 30000Baggage Delay Rs 30000 Rs 18000Loss of Baggage and personal documents Rs 30000 Rs 18000Avail complimentary access to some of the world class airport lounges with this credit card.With the Priority Pass Lounge Access, you can enjoy complimentary access to more than 600 airport lounges around the world.Avail fuel surcharge refund of 2.5% when your fuel transactions range between Rs 400 and Rs 5,000. This is applicable for all the petrol stations across India.You can choose to convert your credit card purchases to monthly instalments.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.HDFC Regalia First Credit CardHDFC is one of the top banks across the globe that offers great financial services and products. They are designed to meet the needs and requirements of the customers. The Regalia First card offered by HDFC bank is a unique credit that allows you to enjoy great privileges and benefits.Benefits of HDFC Regalia First Credit Card:The Regalia credit card comes with a myriad of benefits. These are as follows:Enjoy great opportunities for saving your hard earned money. With the HDFC Regalia First card, you can choose to save up to Rs 50,000.With the Regalia First card, you can enjoy dining privileges at more than 300 top class restaurants. These restaurants can be a part of leading chains of hotels like Marriott, Vivanta by Taj, Hyatt, The Leela, The Lalit, The Gateway, etc. Avail great savings and complimentary delights every time you use your Regalia credit card for dining.On all the foreign currency spends, you can enjoy the lowest markup of 2%.Avail 0% surcharge when you purchase fuel. However, the minimum transaction to avail 0% fuel surcharge must be Rs 400.On every statement cycle, you can enjoy cashback of Rs 500.Manage all your payments at ease and avail interest free credit for a period of 50 days. You may choose to make a payment for the minimum due only. The remaining amount will be taken forward to the next month’s cycle. The interest rate is as low as 2.95% per month.The Rewards Points that you earn using this particular credit card can be redeemed for booking airline tickets, hotel bookings, movie ticket purchases and mobile or DTH recharge. When redeemed on the website of HDFC bank, each point will be worth 40 paisa.Features of Regalia First Credit Card:The features of the Regalia First card are as follows:Avail complimentary access to more than 850 airport lounges across the globe.At these airport lounges, you can enjoy different facilities including, faxes, phones, internet and conference rooms. If you are the principal cardholder, you will be getting four free accesses each year to the priority pass airport lounges.Using your Regalia First credit card, your guests can also use the facilities at the airport lounges. However, for them a fee of $27 per visit will be charged. The usage charges for the lounges may differ from one lounge to another.For every Rs 150 that you spend using this credit card, you can earn 4 Rewards Points. For any booking that you do via Credit card loyalty program for HDFC Bank premium customers, you can earn 2X Rewards Points (8 points). You may also earn 2X Rewards Points when you spend at stand-alone restaurants on dining. Earn Rewards Points for all your entertainment and travel booking done through Credit card loyalty program for HDFC Bank premium customers. The Rewards Points can be redeemed for various gifts that you may choose from the catalogue provided by HDFC bank.The Rewards Points that you earn can be converted to air miles. These air miles can be used for both international flights and domestic flights.Avail comprehensive insurance coverage against several risks that you might encounter with. A compensation of Rs 50 lakh will be given to your nominated kin in th event of an air accident. In case there is a medical emergency situation when you are in a foreign country, avail Rs 10 lakh as medical emergency protection cost. The claim documents must be sent to HDFC Ergo General Insurance Company situated in Noida.Fees and ChargesInterest free period 50 daysMinimum amount to be repaid 5% of the outstanding balance or Rs 200, whichever is higherLimit on Cash Advance 40% of the total credit limitRenewal / Annual Fee Rs 1,000 / Rs 1,000Condition for annual fee waiver Membership fee for the first year is waived off when you spend a minimum amount of Rs 15,000 within a period of 90 days from the set up date of the card. When you spend Rs 1 lakh in one year, the membership fee for the next year will be waived off.Fee for additional card Up to 3 additional cards are free for a lifetimeRevolving credit charges 2.95% every month (Annual – 35.4%)Charges for cash advance Rs 300 or 2.5% of the withdrawn amount, whichever is moreOverlimit account charges 2.5% of the overlimit amount. This fee is subject to a minimum amount of Rs 500.Payment return charges 2% of the payment amount. This fee is subject to a minimum amount of Rs 400.Fee for cash processing Rs 100Fee for Rewards redemption Rs 75 for every redemption requestProcessing charges for balance transfer Rs 250 or 2% of the balance transfer amount, whichever is moreFee for purchase of Railway tickets Rs 30 added with 2.5% of the total transaction amount. This is applicable if you are carrying out the transaction via HDFC payment gateway. On any other gateway, you will have to pay the fee as per the IRCTC rulesStolen / Damaged / Lost card Rs 100Processing charge for Cheque (outstation) Rs 25 for Cheque value of Rs 5,000. If the Cheque value is above Rs 5,000 then the fee is Rs 30Foreign currency transactions 2%Krishi Kalyan Cess, Swachh Bharat Cess and Service Tax This is applicable on all interest, fees and other chargesKnow Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.HDFC Bank Diners Club Black Credit CardIf you are in search of a credit card that offers travel, lifestyle, golf and other benefits, then you should apply for a HDFC Bank Diners Club Black Credit Card.The card has an amazing rewards program and it also offers insurance protection to all the cardholders.Key Highlights:2x Reward Points on air ticket or hotel bookings.24x7 Concierge Service.5 Reward Points per Rs.150 spent at retail stores.10 Reward Points on every Rs.150 spent on HDFC Bank Diners Club website.Green Fee Waiver at golf courses.Benefits:Welcome Offer – When you apply for a HDFC Bank Diners Club Black Credit Card, you will receive 10,000 Reward Points as welcome gift. You will also receive 5,000 bonus points when you renew your card.Travel Benefits – Avail 2x Reward Points when you book hotels or air tickets on HDFC Bank Diners Club website using your HDFC Bank Diners Club Black Credit Card.Fee Waiver – If you spend Rs.5 Lakhs in a period of 12 months using this card, your renewal fee for the next year will be waived off. If you spend Rs.1,00,000 within the first 90 days of receiving the card, your membership fee for the first year will be waived off.Lifestyle Benefits – Cardholders can enjoy 24x7 Concierge services. The concierge will make golf course, dining, hotel, etc. reservations on behalf of the members and also provide other types of assistance such as flower and gift delivery, courier service, car rental, etc.Exclusive Offers – Cardholders can enjoy exclusive offers from the Taj Group of Hotels. The card provides amazing stay offers for properties such as the Taj Luxury Vivanta and the Gateway. Cardholders can make use of complimentary offers on Taj Safaris and unique offers on Taj Air.Features:Insurance Protection - Apply for a HDFC Bank Diners Club Black Credit Card to avail the following:Air Accident coverage worth Rs.2 Crore.Emergency Medical Expenses coverage worth up to Rs.50 Lakhs.Credit Liability coverage worth Rs.9 Lakhs.Travel Insurance coverage worth up to Rs.55,000 in case of loss or delay of baggage.Golf Program – Cardholders can play unlimited golf games in around 20 golf courses across India and in more than 40 golf courses in the world. Also, get unlimited access to golf lessons for free at certain Driving ranges.Redemption – Cardholders can use their Reward Points to book hotels or air tickets on the HDFC Bank Diners Club website. The value of 1 Reward Point is Re.1. They can also redeem their points for AirMiles of Air India, Jet Airways or Singapore Airlines. The value of 1 Reward Point is 0.7 AirMile. Apart from this, they can redeem points to avail products listed in the redemption catalogue of the card.Airport Lounge Access – The cards Exclusive Lounge Program allows cardholders to enjoy access to airport lounges all over the world.Revolving Credit Facility – Cardholders can enjoy revolving credit facility on this card at very low rate of interest.Low Mark Up on Foreign Currency – HDFC bank offers on of the lowest mark up on foreign currency transactions made using this card.Fuel Surcharge Waiver – If you spend between Rs.400 and Rs.1,00,000 on fuel using this card, your fuel surcharge will be waived off.Fees and Charges:Type of Fees and Charges AmountMembership fee for the first year Rs.10,000 plus taxMembership fee for card renewal Rs.5,000 plus taxAdd-on Cards Up to 3 cards free for lifetimeInterest free period 20 to 50 daysMark Up on Foreign Currency 2%Interest Rate on revolving credit 1.99%Cash Advance Limit 40% of credit limitCash Advance fee on transactions 2.5% (Minimum – Rs.300)Finance Charge on Cash Advance 1.99% per monthLate Payment Charges If outstanding balance is less than Rs.100, then nothing will be charged.If outstanding balance ranges from Rs.100 to Rs.500, then Rs.100 will be charged.If outstanding balance ranges from Rs.501 to Rs.5,000, then Rs.400 will be charged.If outstanding balance ranges from Rs.5,001 to Rs.10,000, then Rs.500 will be charged.If outstanding balance ranges from Rs.10,001 to Rs.20,000, then Rs.700 will be charged.If outstanding balance is Rs.20,001 or more, then Rs.700 will be charged.Overlimit charge 2.5% of the overlimit amount (Minimum – Rs.500)Minimum Repayment Amount 5% (Minimum – Rs.200)Payment return fee 2% of the payment amount (Minimum – Rs.450)Fee for processing cash Rs.100Fee for Balance Transfer 2% of the amount (Minimum – Rs.250)Fee for purchasing railway ticket Rs.30 plus 2.5% of the transacted amountMaximum fuel surcharge waiver Rs.1,000 per billing cycleFee for reissuing lost/damaged/stolen card Rs.100Cheque processing fee Rs.25, if the value of cheque is up to Rs.5,000. Rs.50, if the value of cheque is more than Rs.5,000Chargeslip retrieval fee Rs.125 for each chargeslipSwachh Bharat Cess, Service Tax and Krishi Kalyan Tax will be applicable on all the fees and charges.The above mentioned rates/fees & charges may be changed at the discretion of the bank.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Jet Airways Voyage American Express Card® from IndusInd BankIncrease your weekend fun with 6 JP Miles per Rs. 100 spent2x JPMiles earning on Jet Airways SpendsWelcome Bonus of 7500 JPMiles and a complimentary Jet Airways ticketIndulge in life full of privileges with offers on movies, dining and more* TnC ApplyBenefits of Jet Airways Voyage American Express Card from IndusInd Bank:This card opens a new world of special travel deals and Jet Airways benefits. Here are some of the benefits that makes this card the best of its kind.Travel BenefitsGet access to over 600 premier airport lounges across the world and waivers on lounge usage charges with the card. Cardholders also get a complimentary travel insurance cover.Deals from Jet AirwaysCardholders get 5% discount on the base fare for domestic and international tickets when booked online using Jet Airways IndusInd Voyage card.Jet Privilege ProgramAs a welcome gift, cardholders are enrolled into the Blue Tier of Jet Privilege program. First time users will also be entitled to bonus JPMiles and attractive discount on the first ticket.Air Accident CoverCustomers get a complimentary personal air accident insurance cover of up to Rs. 25 Lakhs.Features of Jet Airways IndusInd Bank Voyage Credit Card:Specially designed for the frequent air traveler, this card comes with countless features that makes every journey more rewarding. Listed below are some unique features that come with this card.As a joining bonus, 7,500 JPMiles are credited and the base fare for the first ticket booked with Jet Airways online is waived off.Cardholders stand to get a 5% discount on all bookings made through Jet Airways online.With the Priority Pass membership, cardholders can access over 600 VIP lounges at world’s leading airports.You can also save up to 20% at restaurants across 7 Indian cities.For transactions between Rs.400 to Rs.4000 made using the card, a fuel surcharge of 2.5% is offered.Other benefits include dedicated concierge assistance, business support services and discounted golf coaching classes at leading golf courses.Jet Airways IndusInd Bank Voyage Credit Card Fees and Charges:The joining fee for Jet Airways Voyage American Express Card from IndusInd Bank is Rs.4000. The annual fee from the second year of membership is Rs.2000.To continue earning more than 50,000 JPMiles per year, cardholders will be required to pay an uncapping annual fee of Rs. 7,500.Redeeming JPMiles:The JPMiles points will automatically accumulate on your card every time you book a ticket on Jet Airways. The JPMiles points accumulated on your card can be used to book flights on Jet Airways. To upgrade the flight class from Economy to Business Class or from Business to First class, Miles can be used.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Citi Cashback Card5% Cash back on transactions done for Movies, telephone bill payments and Utility payments through Citi Billpay. Cash back is capped at Rs.100 per month for each category0.5% Cash Back on all other spends. No cap on cash back earnedAnnual Fee of Rs. 500 – to be charged in the first statement and thereafter, every 12 monthsCash back earned gets auto credited on accumulation of a minimum of Rs.500, and thereafter, in multiples of Rs.500Annual fee INR 500Citi Cash Back Credit Card Benefits:*The Citi Cash Back credit card offers a bundle of benefits, helping customers save while they shop their heart out.*Customers can get 5% cash back on all movie ticket purchases.Telephone bill payments earn a cashback of 5%.*Card holders can get 5% cash back on all utility bill payments made via Citibank Online Bill Pay with a cap of Rs 100 per month on the utility bill cashbacks.*On all other transactions, customers get 0.5% cash back.Citibank Cash Back Card Features:*Cash back redemption can be done in multiples of Rs 500 which will reflect on the monthly statement.*Customers can enjoy exclusive discounts of up to 20% across 2000 restaurants all over India.*For shopaholics, the card offers unbeatable savings and deals at retail stores across the country.*Card holders can also choose to pay back their purchases as EMIs while using their cards in over 2000 consumer electronic outlets, retail chains and e-retailers.*The card offers a bunch of value-added services like instant loans, easy payment and balance transfer options from any other bank in India. Paylite from Citibank offers balance transfers at 12% interest rate per annum with convenient repayment plans.*Customers can access any information regarding their credit cards using Citibank’s mobile banking, online banking, SMS banking or phone banking services.Fees and Charges:*Customers are charged an interest rate of 2.50% per month, which totals up to 30% annually. The interest rates tend to change depending on the customer’s spend, payment and utilization patterns and is at the bank’s discretion.*Citi Cash Back credit card customers have to pay an annual fee of Rs. 500 which is billed in the first month statement of the card.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.We love credit cards, but we dont know which one is for us!Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.

For the sake of Most curated answer for the best credit card & with their offerings, We at Paydeck started a “Know Your Card Series”. Also, apart of this, I will advise you to check and compare the best cards which will work as per use case at: Bank Bazaar’s website. They have the most awesome list with reviews & all.In between, You may have a look at couple of those here at:JetPrivilege HDFC Bank Diners Club Credit CardThis co-branded credit card combines the benefits of Jet Airways and Diners Club with the privileges of HDFC Bank. The JetPrivilege HDFC Bank Diners Club Credit Card gives you exclusive benefits on Jet Airways flight bookings and on dining out. This card is ideal for someone who is a frequent flyer and has a high-end lifestyle.Features and Benefits:The benefits of a JetPrivilege HDFC Bank Diners Club Credit Card are many, though it is only available to the primary cardholder and not for the add-on cards. All JPMiles accrued on retail spends by add-on card members get transferred to the primary cardholder’s account. Some of the key features are outlined below:Welcome gift: As a welcome gift for joining the JetPrivilege HDFC Bank Diners Club Credit Card, you get 15 JetPrivilege Tier Points on the first swipe of your card within 90 days of getting the card. You need to have a JetPrivilege Frequent Flier Membership or enrol in the programme at the time of getting the credit card in order to avail this. You can upgrade or maintain your JetPrivilege membership tier through the JetPrivilege Tier Points earned with your credit card spends on flight bookings through Jet Airways and other shopping as well.Bonus JPMiles: You can earn up to 30,000 Bonus JPMiles – which can be converted to flight bookings. You will get 15,000 JPMiles on the first swipe of your card within 90 days of setting up the card, and another 15,000 JPMiles on total retail expense of Rs. 1.5 lakh or more within the first 90 days.Discount voucher by Jet Airways: You get a discount voucher worth Rs. 750 and waiver of base fare when booking a return ticket through the Jet Airways website. All welcome benefits can be availed once the membership fee is paid.Renewal benefit: When you renew your credit card, you can earn 10,000 JPMiles and 5 JetPrivilege Tier Points when you first swipe your card within 90 days of renewal. You also get discount voucher of Rs. 750 and base fare waiver for a return ticket when booked through the Jet Airways website.JPMiles accrual: You stand to earn 8 JPMiles for every Rs. 150 on retail transactions, and 24 JPMiles on every Rs. 150 spent on flight bookings through Jet Airways website.Golf programme: You get green fee waiver on unlimited Golf games at around 20 golf courses in India and more than 40 golf courses across the world. You could also get free 30-minute Golf Lessons at chosen driving ranges in India. You can reserve by calling 1800-118-887 (from within India) or +91-11-40608635 (from outside India).Concierge services: You can avail 24/7 Concierge Services through your JetPrivilege HDFC Bank Diners Club Credit Card by calling the above numbers.The concierge can take care of the following:Golf course referral and reservationDining referral and reservationFlower and gift deliveryCar rental and limousine referral andHotel referral and reservationBusiness services and courier serviceAirport Lounge access: Primary cardholders can access over 600 airport lounges around the world including in India. The lounges come with facilities such as phones, faxes, wi-fi and conference rooms.JetPrivilege Tier Points: Every time your retail credit card swipes – not fuel spends – cross Rs. 1.5 lakh, you get 1 JetPrivilege Tier Point.Jet Airways privileges: You get a 5% concession on all domestic air ticket purchases made through the credit card on the Jet Airways website if you enter the promocode JTHDFC while checking out. You also get: premier check-in for domestic flights and an extra 10kg baggage allowance on domestic flights.Dining discounts: You can earn up to 15% discount on food and beverage bills at fine dining restaurants in various cities of the country.Classic Banking advantage: HDFC’s Classic Banking allows you to get benefits of the following:Dedicated personal bankerRelationship pricing across productsBenefits for family membersExclusivity with classic branded debit card, cheque book and othersTo avail these, you need to have a savings account with a minimum average quarterly balance of Rs. 1 lakh – either in your own account or as a total in all accounts held by your close family members in HDFC. Otherwise, you could maintain a minimum average monthly balance of Rs. 5 lakh in savings accounts plus term deposits held by you or your immediate family members.EXTRA JPMiles programme: When using your credit card at the outlets of one of the partners of Jet Airways, you can earn additional JPMiles, over and above the usual mile credits you get. There are over 309 EXTRA JPMiles partners with over 2,480 outlets across India. You can find the list of JPMiles Partners on the JPMiles website.Waiver of fuel surcharge: For fuel transactions paid through credit card, you get a refund of the fuel surcharge instead of JPMiles, with effect from April 15, 2016. There will be no refund of service tax on fuel surcharge, though. You can get a maximum refund of Rs. 1,000 every month.No lost card liability: If you lose your credit card, you do not have to bear any liability on the fraudulent transactions made with your card. You should report the loss of card immediately to the 24-hour customer centre, and once the loss is reported, you are absolved of any liability.Revolving credit: Revolving credit on JetPrivilege HDFC Bank Diners Club Credit Card is available at an interest rate of just 1.99% per month.Interest-free credit: You do not have to pay any interest on purchases for 50 days from the date of purchase.Fees and Charges:First-year fee and annual fee Rs. 10,000 (plus service tax)Renewal fee Rs. 5,000 (plus service tax)Cash advance limit 40% of credit limitCash advance fees 2.5% (Minimum Rs. 300)Late payment charges Less than Rs. 100 – None Rs. 100 to Rs. 500 – Rs. 100 Rs. 501 to Rs. 5,000 – Rs. 400 Rs. 5001 to Rs. 10000 – Rs. 500 Rs. 10,001 to Rs. 20,000 – Rs. 700 Rs. 20,001 and more – Rs. 700Over limit charges 2.5% of the over-limit amount (Minimum Rs. 500)Payment return charges 2% of payment amount (Minimum Rs. 450)Cash processing fee Rs. 100Rewards redemption fee Nil for JetPrivilege HDFC Bank Diners Club cardBalance Transfer processing charges 2% of balance transfer amount (Minimum Rs. 250)Railway ticket purchase fee Rs. 30 + 2.5% of transaction amountReissue of lost, stolen or damaged card Rs. 100Outstation cheque processing charge Cheque of up to Rs. 5,000 – Rs. 25 Cheque of more than Rs. 5,000 – Rs. 50Foreign currency transactions Cross currency mark-up of 3.5%Service tax As applicable (15% including Swacch Bharat Cess and Krishi Kalyan Cess)Offers on JetPrivilege HDFC Bank Diners Club Credit Card:Online Jewellery Shopping Store India: Get an extra 6% rebate while buying diamond jewellert by using the promocode BSHDFCEX6.Offer valid until September 30, 2016.Big Bazaar: Get 5% off on bills of Rs. 2,000 or more. You get up to Rs. 250 off in a transaction.The offer is valid only on Wednesdays, up to March 31, 2017.Online Shopping India - Shop Online for Branded Shoes, Clothing & Accessories in India | Myntra.com: Get a discount of 25% on a minimum purchase of Rs. 1,999 by using the coupon code HDFC25.Offer valid until October 31, 2016.For more offers, check the bank’s website.Know Your Card | Know the perksCard Knowledge Series brought to you by Paydeck.Disclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.JetPrivilege HDFC Bank World Credit CardAn exclusive co-branded credit card, the JetPrivilege HDFC Bank World offers top-of-the-line travel privileges, and an altogether comfortable and comprehensive credit card experience to its cherished patrons. A fine amalgamation of features and benefits, this credit card adds to an already impressive line-up from HDFC bank, and is focussed on the ardent traveler who is looking for the very best, every step of the way. A complete composition of the card’s salient features, and your motivation to select the same are listed below.10000 Jp miles (5000 Jp miles on first swipe within 3 months and 5000 Jp miles on 75k spends in 3 months)4000 Jp miles on renewalBest in class Jp miles accrual – 6 Jp miles per Rs. 150 spent3x Jp miles for flights tickets booked on jet airways websiteComplimentary priority pass membership with 5 free visits annuallyMastercard domestic lounge program accessBenefits:Earn 1 JP Tier Point for every Rs. 2 lakhs spent on the card. Reach the highest JP Tiers quickly.When at airports in India or abroad, avail privileged lounge access and relax in style.Credit card renewal fees waived if upwards of Rs. 3 lakhs is spent on the card, in the span of 12 months leading upto the renewal.Avail extended validity on JPMiles for the duration of 5 years.Features:Welcome Benefit- One complimentary Jet Airways Ticket (Base Fare Waived), avail upto 10,000 Bonus Miles, enjoy discount voucher worth Rs.750 when booking a return ticket on the Jet Airways website.Benefits at Renewal- Avail a complimentary Jet Airways Ticket (Base Fare Waived) upon renewal, within 90 days of renewal- swipe the card and avail 4000 JPMiles, enjoy discount voucher worth Rs.750 when booking a return ticket on the Jet Airways website.JPMiles Accrual Program- Spend Rs.150 on retail purchases to earn 6 JPMiles, spend Rs.150 on flights booked on the Jet Airways website to earn 18 JPMiles.EXTRA JPMiles Programme- 557+ EXTRA JPMiles Partners across 2,480 locations in India, Swipe your card and earn JPMiles- the same will be credited into your JetPrivilege account within 45 days, No added costs to participate in this programme.Tier Points- 1 Tier Point added to your JetPrivilege Frequent Flier Membership for every Rs. 2 lakh spent with the card on retail purchases.The Jet Airways Advantage- 5% discount on all domestic air tickets when booked on the Jet Airways website with the promo code ‘JTHDFC’, premier check-in applies to all domestic flights, additional 10 kg baggage allowed on all domestic Jet Airways flights.Priority Pass Membership- Preferential pass into 600+ airport lounges across the world, at an enrolment fee of just $99, visits limited to 5 per primary card holder and guests allowed at $27 per person.MasterCard Lounge Program- Access to select lounges at airports across India.Waiver of Renewal Fee- Rs.3 lakhs spent in 12 months from card activation, or after card renewal, and the forthcoming card renewal fee is waived off.Waiver of Fuel Surcharge- The applicable fuel surcharge at fuel stations is waived for upto a maximum of Rs.500 per billing cycle.Zero Liability on Lost Card- Report a lost card immediately and be free from any unauthorized transactions made with your lost/stolen credit card.Revolving Credit- This option is available at an interest rate of just 1.99% per month. Revolving credit allows for the automatic renewal of the credit limit as and when the accrued debts are paid off.Interest Free Credit- Enjoy 50 interest free days from the date of purchase using the card.Supplementary Cards- Avail upto 3 add-on cards that will allow your family to enjoy the same benefits as you, with their very own JetPrivilege HDFC Bank World Credit Card.Fees & Charges:The first year and renewal fee on the JetPrivilege HDFC Bank World Credit Card is Rs. 2,500.Supplementary Card fee- None.Free Credit Period- Maximum of 50 days.Minimum amount due per month- 5% or minimum Rs.200Over limit Charges- 2.5% of the overlimit amount, minimum of Rs.500Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Axis Bank Vistara Signature Credit CardAxis Bank Vistara Signature Credit Card is a travel card that offers multiple premium benefits and features to cardholders. Besides this, cardholders can feel protected while travelling as the card offers insurance protection of up to Rs.2.55 Crores.Key Points:Club Vistara (CV) Silver Membership.3,000 Points as joining gift.One Premium Economy class air ticket as welcome gift.4 Club Vistara Points on spends of every Rs.200.Airport lounge access.Benefits:Welcome Offer – Axis Bank Vistara Signature Credit Card offers a Premium Economy Class ticket with the base fare waived off as gift to all the new cardholders. When existing cardholders renew their cards, they also receive the same gift. Apart from this, new cardholders receive 3,000 points as joining gift.Complimentary Club Vistara Membership – All the card members get complimentary Club Vistara (CV) Silver Membership. They can use their membership card to enjoy exclusive CV offers such as additional baggage, priority check-in, etc.CV Points – On spend of every Rs.200, cardholders will earn 4 CV Points.Rewards – When cardholders achieve a milestone, they will get the following:1 Premium Economy ticket with the base fare waived off on spends of Rs.1.5 Lakhs in a year.1 Premium Economy ticket with the base fare waived off on spends of Rs.3 Lakhs in a year.1 Premium Economy ticket with the base fare waived off on spends of Rs.4.5 Lakhs in a year.Dining Offers – The Dining Delights Program of the card allows cardholders to enjoy 15% discount at restaurants in India.Features:Redemption of CV Points – The CV Points that Axis Bank Vistara Signature Credit Cardholders earn on their card can be redeemed for Award Flights and seat upgrades.Lifestyle Benefits – This card allows cardholders complimentary access to select lounges at Indian airports. They can also enjoy offers from the bank’s ‘Extraordinary Weekends’ program.Insurance Protection – Axis Bank Vistara Signature Credit Cardholders receive the following:Delay of Check-In Baggage Coverage – Up to $300.Lost Card Liability – Up to 100% of the credit limit.Air Accident Coverage – Up to Rs.2.55 Crores.Purchase Protection Coverage – Up to Rs.1,00,000.Loss of Check-In Baggage Coverage – Up to $500.Lost Travel Documents Coverage – Up to $300.Interest Free Period – Axis Bank Vistara Signature Credit Cardholders can enjoy an interest free period ranging from 20 days to 50 days.Add-On Cards – Cardholders can apply for add-on cards for their immediate family members.Fees and Charges:Type of Fees and Charges AmountPrimary Card – Annual Fee (paid from the 2nd year) Rs.3,000Primary Card – Joining Fee Rs.3,000Add-on Card – Annual fee No ChargeAdd-on Card – Joining Fee No ChargeCharge for Cash Withdrawal 2.5% of the amount withdrawn (Minimum - Rs.250)Finance Charges 41.75% p.a.Card Replacement Charge WaivedCash Payment Charge Rs.100Overlimit Penalty 3% of the overlimit amount (Minimum – Rs.500)Charge for Duplicate Statement WaivedCharge for Late Payment or overdue penalty No charge, if the amount due is up to Rs.100Rs.100, if the amount due is between Rs.101 and Rs.300Rs.300, if the amount due is between Rs.301 and Rs.1,000Rs.500, if the amount due is between Rs.1,001 and Rs.5,000Rs.600, if the amount due is between Rs.5,001 and Rs.20,000Rs.700, if the amount due is Rs.20,001 and moreCharge for outstation cheque WaivedCharge for Chargeslip Retrieval or Copy Request WaivedSurcharge on cancellation and purchase of railway tickets As prescribed by Indian Railways or IRCTCCharge for dishonour or for Cheque return or Auto-debit ReveINRal INR 300Charge for transactions made in Foreign Currency 3.5% of the transaction amountFuel Surcharge Not applicableFee for Hotlisting WaivedMobile Alerts for Transactions WaivedFee for Balance Enquiry WaivedNote – The rates/fees and charges can be changed at any time by Axis bank.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Axis Bank Miles and More CardAxis Bank is one of the top banks across the globe that offers great financial services and products to the customers. The credit cards offered by this bank come with immense flexibility and innovation. They are designed to meet the changing needs and requirements of the customers. If you are a frequent flyer then the Axis Bank Miles and More credit card can definitely prove to be of great worth.Types of Axis bank Miles and More Card:There are two types of Miles and More Credit Card offered by Axis Bank to its customers. They are as follows:World CardWorld Select CardFeatures and Benefits of Axis Bank Miles and More Card:This card comes with a myriad of benefits and features. They are given below:If you go for the World Select Card, the Welcome Bonus Miles that you can get is 15,000. If you choose to go with the World Card then you will get 5,000 Bonus Miles.The Bonus award miles that you get on an annual basis with the World Select Card is 4,000. On the other hand, with the World Card, you can enjoy 3,500 Bonus Miles annually.When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Select Card, you can earn 6 miles. When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Card, you can earn 4 miles.When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Select Card on movies, you can earn 20 miles. When you spend a minimum of Rs 200 using your Axis Bank Miles and More World Card, you can also earn 20 miles.Every time you swipe your Miles and More Card for your expenses, you can earn award miles which can be redeemed for flight tickets, exciting products, upgrades, etc.You can avail a discount of 15 % on all your hotel bookings and car rentals.With the Miles and More credit card, you can avail up to 55,000 miles during the first year. These can be redeemed to enjoy exciting rewards.Total Miles that can be earned in 1 yearMonthly Spend World Select Card World CardActivation Welcome Miles Rs 15,000 Rs 5,000Annual Miles on Renewal Rs 4,000 Rs 3,000Spend Linked Miles Rs 1,00,000 Rs 36,000 Rs 24,000Total Miles Rs 55,000 Rs 32,000The miles that you earn can used to redeem several things. These include hotel stays, shopping, flights and upgrades, car rentals or any good cause like sending an orphan child to a school, aforestation etc.The Miles and More credit card comes with the CHIP and PIN feature which provides maximum security against fraudulent activities. The CHIP and PIN feature allows the card to transact and store data in a format that is encrypted. On the CHIP, a PIN is encrypted and only the owner knows the PIN. This CHIP and PIN card can be used directly at the terminals of different merchants.Make use of your Axis Bank Miles and More credit card to pay all your utility bills. Following simple instructions, you can ensure that all your utility bills are paid on time every month.You can avail the benefits of a home loan when you are a privileged Miles and More customer. The processing fee of the home loan is Rs 5,000. The rate of interest that is applicable on the home loan is the prevailing base rate offered by Axis Bank.With this particular credit card, you can avail insurance coverage of up to Rs 5.8 crores.Features World Select Credit Card World Credit CardLost Card Liability cover Rs 300,000 Rs 150,000Personal Accident (Air accident only) Rs 45,000,000 Rs 25,000,000Credit Shield Rs 500,000 Rs 100,000Checked Baggage Loss Rs 30000 Rs 30000Baggage Delay Rs 30000 Rs 18000Loss of Baggage and personal documents Rs 30000 Rs 18000Avail complimentary access to some of the world class airport lounges with this credit card.With the Priority Pass Lounge Access, you can enjoy complimentary access to more than 600 airport lounges around the world.Avail fuel surcharge refund of 2.5% when your fuel transactions range between Rs 400 and Rs 5,000. This is applicable for all the petrol stations across India.You can choose to convert your credit card purchases to monthly instalments.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.HDFC Regalia First Credit CardHDFC is one of the top banks across the globe that offers great financial services and products. They are designed to meet the needs and requirements of the customers. The Regalia First card offered by HDFC bank is a unique credit that allows you to enjoy great privileges and benefits.Benefits of HDFC Regalia First Credit Card:The Regalia credit card comes with a myriad of benefits. These are as follows:Enjoy great opportunities for saving your hard earned money. With the HDFC Regalia First card, you can choose to save up to Rs 50,000.With the Regalia First card, you can enjoy dining privileges at more than 300 top class restaurants. These restaurants can be a part of leading chains of hotels like Marriott, Vivanta by Taj, Hyatt, The Leela, The Lalit, The Gateway, etc. Avail great savings and complimentary delights every time you use your Regalia credit card for dining.On all the foreign currency spends, you can enjoy the lowest markup of 2%.Avail 0% surcharge when you purchase fuel. However, the minimum transaction to avail 0% fuel surcharge must be Rs 400.On every statement cycle, you can enjoy cashback of Rs 500.Manage all your payments at ease and avail interest free credit for a period of 50 days. You may choose to make a payment for the minimum due only. The remaining amount will be taken forward to the next month’s cycle. The interest rate is as low as 2.95% per month.The Rewards Points that you earn using this particular credit card can be redeemed for booking airline tickets, hotel bookings, movie ticket purchases and mobile or DTH recharge. When redeemed on the website of HDFC bank, each point will be worth 40 paisa.Features of Regalia First Credit Card:The features of the Regalia First card are as follows:Avail complimentary access to more than 850 airport lounges across the globe.At these airport lounges, you can enjoy different facilities including, faxes, phones, internet and conference rooms. If you are the principal cardholder, you will be getting four free accesses each year to the priority pass airport lounges.Using your Regalia First credit card, your guests can also use the facilities at the airport lounges. However, for them a fee of $27 per visit will be charged. The usage charges for the lounges may differ from one lounge to another.For every Rs 150 that you spend using this credit card, you can earn 4 Rewards Points. For any booking that you do via Credit card loyalty program for HDFC Bank premium customers, you can earn 2X Rewards Points (8 points). You may also earn 2X Rewards Points when you spend at stand-alone restaurants on dining. Earn Rewards Points for all your entertainment and travel booking done through Credit card loyalty program for HDFC Bank premium customers. The Rewards Points can be redeemed for various gifts that you may choose from the catalogue provided by HDFC bank.The Rewards Points that you earn can be converted to air miles. These air miles can be used for both international flights and domestic flights.Avail comprehensive insurance coverage against several risks that you might encounter with. A compensation of Rs 50 lakh will be given to your nominated kin in th event of an air accident. In case there is a medical emergency situation when you are in a foreign country, avail Rs 10 lakh as medical emergency protection cost. The claim documents must be sent to HDFC Ergo General Insurance Company situated in Noida.Fees and ChargesInterest free period 50 daysMinimum amount to be repaid 5% of the outstanding balance or Rs 200, whichever is higherLimit on Cash Advance 40% of the total credit limitRenewal / Annual Fee Rs 1,000 / Rs 1,000Condition for annual fee waiver Membership fee for the first year is waived off when you spend a minimum amount of Rs 15,000 within a period of 90 days from the set up date of the card. When you spend Rs 1 lakh in one year, the membership fee for the next year will be waived off.Fee for additional card Up to 3 additional cards are free for a lifetimeRevolving credit charges 2.95% every month (Annual – 35.4%)Charges for cash advance Rs 300 or 2.5% of the withdrawn amount, whichever is moreOverlimit account charges 2.5% of the overlimit amount. This fee is subject to a minimum amount of Rs 500.Payment return charges 2% of the payment amount. This fee is subject to a minimum amount of Rs 400.Fee for cash processing Rs 100Fee for Rewards redemption Rs 75 for every redemption requestProcessing charges for balance transfer Rs 250 or 2% of the balance transfer amount, whichever is moreFee for purchase of Railway tickets Rs 30 added with 2.5% of the total transaction amount. This is applicable if you are carrying out the transaction via HDFC payment gateway. On any other gateway, you will have to pay the fee as per the IRCTC rulesStolen / Damaged / Lost card Rs 100Processing charge for Cheque (outstation) Rs 25 for Cheque value of Rs 5,000. If the Cheque value is above Rs 5,000 then the fee is Rs 30Foreign currency transactions 2%Krishi Kalyan Cess, Swachh Bharat Cess and Service Tax This is applicable on all interest, fees and other chargesKnow Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.HDFC Bank Diners Club Black Credit CardIf you are in search of a credit card that offers travel, lifestyle, golf and other benefits, then you should apply for a HDFC Bank Diners Club Black Credit Card.The card has an amazing rewards program and it also offers insurance protection to all the cardholders.Key Highlights:2x Reward Points on air ticket or hotel bookings.24x7 Concierge Service.5 Reward Points per Rs.150 spent at retail stores.10 Reward Points on every Rs.150 spent on HDFC Bank Diners Club website.Green Fee Waiver at golf courses.Benefits:Welcome Offer – When you apply for a HDFC Bank Diners Club Black Credit Card, you will receive 10,000 Reward Points as welcome gift. You will also receive 5,000 bonus points when you renew your card.Travel Benefits – Avail 2x Reward Points when you book hotels or air tickets on HDFC Bank Diners Club website using your HDFC Bank Diners Club Black Credit Card.Fee Waiver – If you spend Rs.5 Lakhs in a period of 12 months using this card, your renewal fee for the next year will be waived off. If you spend Rs.1,00,000 within the first 90 days of receiving the card, your membership fee for the first year will be waived off.Lifestyle Benefits – Cardholders can enjoy 24x7 Concierge services. The concierge will make golf course, dining, hotel, etc. reservations on behalf of the members and also provide other types of assistance such as flower and gift delivery, courier service, car rental, etc.Exclusive Offers – Cardholders can enjoy exclusive offers from the Taj Group of Hotels. The card provides amazing stay offers for properties such as the Taj Luxury Vivanta and the Gateway. Cardholders can make use of complimentary offers on Taj Safaris and unique offers on Taj Air.Features:Insurance Protection - Apply for a HDFC Bank Diners Club Black Credit Card to avail the following:Air Accident coverage worth Rs.2 Crore.Emergency Medical Expenses coverage worth up to Rs.50 Lakhs.Credit Liability coverage worth Rs.9 Lakhs.Travel Insurance coverage worth up to Rs.55,000 in case of loss or delay of baggage.Golf Program – Cardholders can play unlimited golf games in around 20 golf courses across India and in more than 40 golf courses in the world. Also, get unlimited access to golf lessons for free at certain Driving ranges.Redemption – Cardholders can use their Reward Points to book hotels or air tickets on the HDFC Bank Diners Club website. The value of 1 Reward Point is Re.1. They can also redeem their points for AirMiles of Air India, Jet Airways or Singapore Airlines. The value of 1 Reward Point is 0.7 AirMile. Apart from this, they can redeem points to avail products listed in the redemption catalogue of the card.Airport Lounge Access – The cards Exclusive Lounge Program allows cardholders to enjoy access to airport lounges all over the world.Revolving Credit Facility – Cardholders can enjoy revolving credit facility on this card at very low rate of interest.Low Mark Up on Foreign Currency – HDFC bank offers on of the lowest mark up on foreign currency transactions made using this card.Fuel Surcharge Waiver – If you spend between Rs.400 and Rs.1,00,000 on fuel using this card, your fuel surcharge will be waived off.Fees and Charges:Type of Fees and Charges AmountMembership fee for the first year Rs.10,000 plus taxMembership fee for card renewal Rs.5,000 plus taxAdd-on Cards Up to 3 cards free for lifetimeInterest free period 20 to 50 daysMark Up on Foreign Currency 2%Interest Rate on revolving credit 1.99%Cash Advance Limit 40% of credit limitCash Advance fee on transactions 2.5% (Minimum – Rs.300)Finance Charge on Cash Advance 1.99% per monthLate Payment Charges If outstanding balance is less than Rs.100, then nothing will be charged.If outstanding balance ranges from Rs.100 to Rs.500, then Rs.100 will be charged.If outstanding balance ranges from Rs.501 to Rs.5,000, then Rs.400 will be charged.If outstanding balance ranges from Rs.5,001 to Rs.10,000, then Rs.500 will be charged.If outstanding balance ranges from Rs.10,001 to Rs.20,000, then Rs.700 will be charged.If outstanding balance is Rs.20,001 or more, then Rs.700 will be charged.Overlimit charge 2.5% of the overlimit amount (Minimum – Rs.500)Minimum Repayment Amount 5% (Minimum – Rs.200)Payment return fee 2% of the payment amount (Minimum – Rs.450)Fee for processing cash Rs.100Fee for Balance Transfer 2% of the amount (Minimum – Rs.250)Fee for purchasing railway ticket Rs.30 plus 2.5% of the transacted amountMaximum fuel surcharge waiver Rs.1,000 per billing cycleFee for reissuing lost/damaged/stolen card Rs.100Cheque processing fee Rs.25, if the value of cheque is up to Rs.5,000. Rs.50, if the value of cheque is more than Rs.5,000Chargeslip retrieval fee Rs.125 for each chargeslipSwachh Bharat Cess, Service Tax and Krishi Kalyan Tax will be applicable on all the fees and charges.The above mentioned rates/fees & charges may be changed at the discretion of the bank.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Jet Airways Voyage American Express Card® from IndusInd BankIncrease your weekend fun with 6 JP Miles per Rs. 100 spent2x JPMiles earning on Jet Airways SpendsWelcome Bonus of 7500 JPMiles and a complimentary Jet Airways ticketIndulge in life full of privileges with offers on movies, dining and more* TnC ApplyBenefits of Jet Airways Voyage American Express Card from IndusInd Bank:This card opens a new world of special travel deals and Jet Airways benefits. Here are some of the benefits that makes this card the best of its kind.Travel BenefitsGet access to over 600 premier airport lounges across the world and waivers on lounge usage charges with the card. Cardholders also get a complimentary travel insurance cover.Deals from Jet AirwaysCardholders get 5% discount on the base fare for domestic and international tickets when booked online using Jet Airways IndusInd Voyage card.Jet Privilege ProgramAs a welcome gift, cardholders are enrolled into the Blue Tier of Jet Privilege program. First time users will also be entitled to bonus JPMiles and attractive discount on the first ticket.Air Accident CoverCustomers get a complimentary personal air accident insurance cover of up to Rs. 25 Lakhs.Features of Jet Airways IndusInd Bank Voyage Credit Card:Specially designed for the frequent air traveler, this card comes with countless features that makes every journey more rewarding. Listed below are some unique features that come with this card.As a joining bonus, 7,500 JPMiles are credited and the base fare for the first ticket booked with Jet Airways online is waived off.Cardholders stand to get a 5% discount on all bookings made through Jet Airways online.With the Priority Pass membership, cardholders can access over 600 VIP lounges at world’s leading airports.You can also save up to 20% at restaurants across 7 Indian cities.For transactions between Rs.400 to Rs.4000 made using the card, a fuel surcharge of 2.5% is offered.Other benefits include dedicated concierge assistance, business support services and discounted golf coaching classes at leading golf courses.Jet Airways IndusInd Bank Voyage Credit Card Fees and Charges:The joining fee for Jet Airways Voyage American Express Card from IndusInd Bank is Rs.4000. The annual fee from the second year of membership is Rs.2000.To continue earning more than 50,000 JPMiles per year, cardholders will be required to pay an uncapping annual fee of Rs. 7,500.Redeeming JPMiles:The JPMiles points will automatically accumulate on your card every time you book a ticket on Jet Airways. The JPMiles points accumulated on your card can be used to book flights on Jet Airways. To upgrade the flight class from Economy to Business Class or from Business to First class, Miles can be used.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.Citi Cashback Card5% Cash back on transactions done for Movies, telephone bill payments and Utility payments through Citi Billpay. Cash back is capped at Rs.100 per month for each category0.5% Cash Back on all other spends. No cap on cash back earnedAnnual Fee of Rs. 500 – to be charged in the first statement and thereafter, every 12 monthsCash back earned gets auto credited on accumulation of a minimum of Rs.500, and thereafter, in multiples of Rs.500Annual fee INR 500Citi Cash Back Credit Card Benefits:*The Citi Cash Back credit card offers a bundle of benefits, helping customers save while they shop their heart out.*Customers can get 5% cash back on all movie ticket purchases.Telephone bill payments earn a cashback of 5%.*Card holders can get 5% cash back on all utility bill payments made via Citibank Online Bill Pay with a cap of Rs 100 per month on the utility bill cashbacks.*On all other transactions, customers get 0.5% cash back.Citibank Cash Back Card Features:*Cash back redemption can be done in multiples of Rs 500 which will reflect on the monthly statement.*Customers can enjoy exclusive discounts of up to 20% across 2000 restaurants all over India.*For shopaholics, the card offers unbeatable savings and deals at retail stores across the country.*Card holders can also choose to pay back their purchases as EMIs while using their cards in over 2000 consumer electronic outlets, retail chains and e-retailers.*The card offers a bunch of value-added services like instant loans, easy payment and balance transfer options from any other bank in India. Paylite from Citibank offers balance transfers at 12% interest rate per annum with convenient repayment plans.*Customers can access any information regarding their credit cards using Citibank’s mobile banking, online banking, SMS banking or phone banking services.Fees and Charges:*Customers are charged an interest rate of 2.50% per month, which totals up to 30% annually. The interest rates tend to change depending on the customer’s spend, payment and utilization patterns and is at the bank’s discretion.*Citi Cash Back credit card customers have to pay an annual fee of Rs. 500 which is billed in the first month statement of the card.Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.We love credit cards, but we dont know which one is for us!Know Your Card | Know the perksDisclaimer: We are not endorsing any credit card, nor we are funded for this series. We are just providing information based on sources from the bank & their websites/Co-branded websites.