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Vidhi Chauhan
Vidhi Chauhan is a copywriter and content writer with extensive experience creating high-quality, SEO-driven content across multiple industries, with a strong focus on fintech. She has written extensively on GST, banking, personal loans, business loans, credit cards, income tax, insurance, and other financial topics, helping Indian readers understand complex concepts through clear, accurate, and engaging content.
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Women's credit cards in India have the potential to offer rewards, retail offers, travel offers, and lifestyle offers that depend on the personal spending trends of individuals. There is no correlation between gender and the type of card. However, there is a need to look at features such as annual fee, reward rate, spending category, lounge access, and milestones, among others. The following is a list of 20 credit cards and their main benefits.
Key Takeaways
1. SBI Elite Credit Card
SBI Card ELITE offers rewards based on spending milestones, making it suitable for those who spend more per year. Customers can get up to 50,000 Bonus Reward Points, with a value of ₹12,500 per year.
Customers get 10,000 Bonus Reward Points for each milestone of ₹3,00,000 and ₹4,00,000, and 15,000 for ₹5,00,000 and ₹8,00,000. Annual fees can be reversed at ₹10,00,000 in spending per year.
2. SBI SimplyClick Credit Card
The SBI SimplyCLICK Card is created for online spenders, providing them 10X reward points on online spends through select partners, such as Apollo 24/7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds, and Yatra.
The users can get a ₹500 Gift Card as a welcome offer for paying an annual charge of ₹499 plus taxes. They will be able to earn ₹2,000 in e-vouchers on spending ₹1,00,000 and ₹2,00,000 annually through online channels.
3. SBI Card Prime Business
SBI Card PRIME is a card that offers rewards and perks for transactions. Customers will get a ₹3,000 welcome e-gift voucher, four international Priority Pass lounges free every year, and eight domestic lounge visits every year.
There are some milestone perks like getting a ₹1,000 Pizza Hut voucher for ₹50,000 spent every quarter, no annual fee for ₹3,00,000 spent, and a ₹7,000 voucher for ₹5,00,000 annual spend.
4. RBL Bank Cookies Credit Card
Reward points and savings are available with RBL Bank Cookies Credit Card through different spending categories in our day-to-day life. 5X reward points are earned from online transactions and 10% cashback is earned at Zomato, Myntra, and Uber within the limit per month.
Milestone vouchers are available from ₹1,000 to ₹5,000, BookMyShow voucher, waiver of monthly fee on eligible spends, and fuel surcharge waiver are some of its benefits.
5. RBL Bank Edition Credit Card
The RBL Bank Edition Credit Card was associated with dining and entertainment benefits, including offers linked to food and movie bookings.
RBL Bank's card portfolio and partner programmes have changed over time. Therefore, the current availability, joining fee, renewal fee, and partner benefits should be checked before considering this card.
6. RBL Bank Fun+ Credit Card
The RBL Bank Fun+ Credit Card offers rewards and entertainment benefits for regular spending. Cardholders can earn 20 Reward Points per ₹100 on weekend dining and 10 points per ₹100 at Pizza Hut, KFC, and BookMyShow.
They can receive a ₹500 BookMyShow voucher on monthly spends of ₹5,000 and ₹3,000 vouchers on annual spends above ₹4,00,000. The card also provides BookMyShow discounts and fuel surcharge waivers.
7. HDFC Bank Solitaire Credit Card
The HDFC Bank Solitaire Credit Card rewards its existing credit card holders with various rewards and milestones. For every ₹200 spent, you earn 3 Reward Points, and there is an additional 50% reward points on dining and grocery bills.
By spending ₹75,000 in six months, you get a gift voucher of ₹1,000, and you can have a maximum of two gift vouchers per year.
8. HDFC Bank Infinia Credit Card
The HDFC Bank Infinia Metal Credit Card is an invite-only card offering premium travel, lifestyle, and reward benefits. Cardholders earn 5 Reward Points for every ₹150 spent and up to 10X Reward Points on SmartBuy spends.
Benefits include unlimited global airport lounge access, complimentary Club Marriott membership, ITC hotel offers, global golf privileges, 24×7 personal concierge services, and dining benefits across participating hotels.
9. HDFC Diners Club Rewardz Credit Card
The HDFC Bank Diners Club Rewardz Credit Card was previously offered with rewards on eligible transactions, but sourcing of the card has been discontinued. Every ₹200 spent earns you 3 Reward Points, while also earning 1,000 points after activation and renewal of the card.
The card comes with up to 5% cash back on SmartBuy, a 3% foreign currency surcharge, 24×7 worldwide concierge services, and reward redemption for air tickets and hotels. ₹1,00,000 in annual spending exempts the renewal charge.
10. ICICI Bank Platinum Chip Card
ICICI Bank Platinum Chip Credit Card is a free card that rewards you for your daily expenses. Cardholders get 2 Reward Points for every ₹100 spent at retail stores and 1 point for every ₹100 spent on utility bills and insurance payments.
This card also offers you a 1% waiver on the fuel surcharge on selected HPCL purchases and offers you the facility to convert your expenses into easy EMIs and more.
11. ICICI Bank Diamant Credit Card
The ICICI Bank Diamant Credit Card was a super-premium card launched for private banking customers. Released under the Mastercard World range, it offered luxury benefits such as access to a private island, yacht and jet, supercar driving, Priority Pass airport lounges, Leading Hotels of the World benefits, golf privileges, complimentary movie tickets, restaurant discounts and PAYBACK rewards on purchases.
12. HSBC Visa Platinum Credit Card
The HSBC Visa Platinum Credit Card is a reward-based card with a ₹0 joining fee and ₹0 annual fee. Card members receive 2 Reward Points per ₹150 spent and up to 6X Reward Points on eligible travel bookings.
Some of the benefits available are air miles exchange, reduction in fuel surcharge cost, Visa Signature privileges, free Times Prime membership, offers on dining and movies, and fuel cash back through eligible contactless payments.
13. HSBC Premiere Credit Card
The HSBC Premier Credit Card has been launched for HSBC Premier cardholders. They can earn 3 Reward Points for every ₹100 spent, with up to 12X rewards on eligible hotel, flight and car-rental bookings through Travel with Points. It provides unlimited lounge access in India and abroad, a 0.99% foreign currency mark-up rate, travel insurance, fuel surcharge waiver, restaurant and entertainment offers, and international hotel perks.
15. HSBC Smart Value Credit Card
The HSBC Smart Value Credit Card was a reward-based card that offered savings without a joining or annual fee; it is no longer available to new customers. The card allows customers to earn 1 Reward Point for every ₹100 spent, and 3X Reward Points on online spending, dining, and telecom expenditure based on monthly limits. Other benefits of the HSBC Smart Value Credit Card include fuel surcharge waiver, EMI facility, balance transfer, balance conversion, and Loan on Phone, among others.
16. American Express SmartEarn Credit Card
The American Express SmartEarn Credit Card offers accelerated Membership Rewards points on eligible spends. Cardmembers earn 10X points on selected partners, 5X on Amazon and 1 point per ₹50 on other eligible spends. It has an annual fee of ₹495 plus applicable taxes, with renewal fee waiver on eligible annual spends of ₹40,000 or more. New applications are temporarily paused.
17. American Express Gold Card
The American Express Gold Card is a charge card that offers Membership Rewards benefits, although applications for the card are currently temporarily paused in India.
Members get 1 Membership Rewards Point for every ₹50 spent on purchases and selected utility bills. They also get an additional 1,000 reward points through six separate ₹1,000 transactions per month.
Some of the other features are a welcome gift of 4,000 points, no pre-set spending limit, Gold Collection redemption, and dining offers.
18. American Express Platinum Card
The American Express Platinum Card is an elite charge card offering travel and lifestyle benefits, although American Express is currently temporarily pausing new card applications in India. Points worth 1 Membership Rewards are given for every ₹40 charged, and triple Membership Rewards are given for international charges.
Some of its perks include access to more than 1,550 airport lounges, hotel benefits, elite hotel statuses, 24×7 Platinum Concierge, dining benefits, and insurance coverage. The card comes with an annual charge of ₹66,000 plus taxes.
*T&C Apply
The Citibank Indian Oil Credit Card was historically associated with fuel-related rewards at IndianOil outlets. However, Citibank's consumer banking business in India was transferred to Axis Bank, making older Citibank-branded card information unsuitable for a current new-application comparison.
Therefore, prospective applicants should not rely on historical fee structures, rewards or offers for this card. Current fuel-focused card options and their terms should be checked with the present issuer.
The ideal credit card is dependent on spending habits rather than gender. Before applying for a card, analyse:
Credit cards must be selected based on personal expenditure habits, requirements, and benefits rather than by gender. Comparison of annual fees, rewards, perks upon hitting a certain level, travel perks, and category-based offers will allow finding the right choice. Given that the information about benefits offered may vary, applicants are advised to check the up-to-date offer.
The criteria for credit card eligibility vary and depend on age, income level, credit score, and the policies of the issuing company. It can also include one's employment and other financial commitments.
Just because a person has several credit cards doesn't mean that their credit score will be higher. Rather, it depends on responsible repayment and management of credit cards.
A billing cycle is a term that includes all transactions of a certain period on one's credit card account. The statement that follows contains the sum due and its deadline.
The late payment will attract appropriate charges and could impact the credit history of the card user. The effects will depend on the policies of the issuing organisation and the period of the late payment.
Yes, the points earned through the credit card may expire according to the card issuer and the terms of the rewards programme. Card users need to familiarise themselves with the relevant terms regarding expiry and other terms for redemption.
The accumulated reward points cannot be easily transferred as it depends on the card issuer and program terms.
Closing a card could make a difference in the total amount of credit that one holds and could affect the credit utilisation ratio. The effects depend on factors such as the age of the card and balances owed.
This refers to the ability for a cardholder to withdraw cash using their credit limit.
Certain credit cards enable their holders to convert a particular transaction amount into EMIs after a purchase. The interest rate, processing charges, minimum purchase amount, and tenure could differ based on the credit card type.
Reward programmes have some restrictions on the transactions that could earn their customers points or benefits. Hence, one should check the exclusions before redeeming any reward.
