They say women don’t require any reason to shop. Women can be seen shopping during sales, for special occasions, they shop because their neighbor went shopping, or they can shop when there is nothing else to do. They will leave no stone unturned when it comes to bargaining and buying a product of their choice. Well, all this suggests that women do love shopping and this is the reason they have also been termed as savvy shoppers.
Today, women enjoy the same status as the men do. They are offered the same level of education, same type of jobs, and they even draw same salary packages. So, there is no reason they should not hold their own credit cards. Let us discuss best 5 credit cards for women in India.
Citibank Rewards Credit Card
As the name is self-explanatory, this card is all about rewards. As welcome rewards, you are offered 1500 bonus points on your first spend within 30 days of issuing of the card. You get to earn 1000 bonus points when you spend Rs. 1,000 within 60 days of the issuing of the card. You have the opportunity to earn unlimited 10X reward points at selected partners. You earn 10X reward points when you spend at departmental and apparel stores. You have the opportunity to earn 1 point for every Rs. 125 spent on all other purchases.
Especially for birthdays, you get to earn 500 points and there are other additional points for card renewal. All in all, if you have this card, you get to earn lots of reward points and these points can be redeemed for cash or various other great offers.
HDFC Solitaire
This premium credit card is exclusively for women. The card has annual fee and renewal fee of Rs. 999. If your wife, sister, or mother love shopping then this is the perfect credit card for them. The card mainly concentrates on Shoppers Stop rewards with Rs. 1,000 voucher for every Rs. 75,000 spent in 6 months. You have the provision of redeeming reward points as cashback against the outstanding amount of your card and you can earn 50% more points when you spend on dining and groceries. You also receive Rs. 250 fuel surcharge waiver in each billing cycle. You also have the privilege of converting all your accumulated reward points into cashback against the outstanding amount on your credit card.
ICICI Bank Coral Credit Card Against Fixed Deposit
This particular credit card is perfect for all homemakers and for all those who are not earning at the moment. If you have this card, you will be offered unlimited cash rewards and the best part is that you also get to double these rewards while shopping at restaurants, groceries, and supermarkets.
All you need is to link your card to your fixed deposit of your respective bank and you will enjoy some great benefits such as minimum 15% savings on dining at partner restaurants, access to VISA-affiliated airport lounges, and movie ticket through the week. The maximum credit card limit is 85%.
Standard Chartered Inner Circle Platinum
If you are fond of shopping at lifestyle stores, then this is an apt card for you. With this card, you have the provision of earning up to 9 times more reward points at all Inner Circle-affiliated and Lifestyle stores. There is 5% cashback when you swipe your card at Auchan stores as well. On joining, you will be offered 2,500 discount vouchers and earn up to 9 reward points for every Rs. 100 spent at Lifestyle and Home Centre. For every Rs. 100 spent at all other places, you will earn 2 points.
You have the benefit of transferring your balance from one credit card to your Standard Chartered Inner Circle Platinum card. You are offered low-interest rates on these amounts. As a cardholder, you are offered rewards points as well. You get to earn 9X the reward points at Landmark-affiliated stores and various other brands such as Home Centre, Landmark, and Max. You will receive 5% cashback when you shop at Home Centre. With this card in your purse, you have the access to various Indian airport lounges as well.
American Express Payback
With a tie-up between Payback Loyalty Program and American Express, you get to earn loyalty points on various routine activities such as shopping, watching movies, traveling, and eating out. With the help of points, you have the facility to shop through Payback rewards catalog or Payback’s retail or in-store associates. You also earn 6 reward points for every Rs. 100 spent and welcome rewards when you spend Rs. 15,000 within 60 days of receiving the card.
If you like traveling, then also this card can prove beneficial as you get fuel surcharge waiver every time you purchase fuel at HPCL petrol pumps. However, for the transactions above Rs. 25,000, there is a surcharge of 0.3% plus taxes.
Posts by SpeakBindas Editorial Team.