Best Nri Credit Card In India – Indian NRI credit cards are similar to regular credit cards. Cardholders can make online payments, hotel/flight reservations, bill payments, etc., with their NRI credit card. Moreover, you can do business transactions in Indian rupees and you don’t have to face the problems of currency exchange.
Indian credit cards can be of great interest to NRIs and NRIs when they travel to India and even abroad. These cards allow them to avoid foreign transaction fees and allow them to quickly access their money in India, even abroad. These cards allow NRIs to make purchases in Indian rupees instead of needing to exchange currency every time. NRIs can use these credit cards to make travel reservations, purchases, online payments and bill payments.
Best Nri Credit Card In India
These cards also offer various rewards and benefits especially suitable for NRI travel and visits to India. Some NRI credit cards offer earnings for earning airline miles, travel vouchers, and access to domestic and international airport lounges, which are especially useful for travel. Others offer online shopping, dining, and movies. Below we have listed these benefits, rewards and card features.
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If Indian credit cards are used abroad, then the payment must be made in the currency of the country where the transfer fee is used. These types of international transactions charge a network fee of up to 3.5% of the transaction value.
PAN Card, Aadhar Card, Passport, Voter ID Card, Driving Licence, Ration Card, Arm Licence, Liberty ID or any photo ID duly signed by Gazetted Officer and legally acceptable in the state.
Passport, Aadhar, Voter ID Card, Ration Card, Driving Licence, Lease Agreement/Contract, Ownership Documents, Utility Bills (not more than 3 months), any other proof legally acceptable in the state
There are many options to suit the different needs of NRIs. Travel, dining, online shopping, airline miles, and domestic and international airport lounges are just a few examples. Some cards are specially suited for international travel which is especially beneficial for NRIs. The fact that NRIs do not have to pay foreign transaction fees while doing business transactions in India is very important. This article is a continuation of the previous article “The 5 Best Credit Cards for New Immigrants in the US”
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Before finalizing a credit card, you should compare the features and benefits of different credit cards and choose the one that best suits your needs.
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A person should be aware of any hidden charges and ensure that he stays away from debt. One should also be aware of foreign transaction fees, if yes then you have come to the right page. This post will really help you to decide on “credit cards in India” and choose the best one for you.
India is moving towards a zero economy or a digital economy. So, what are the different ways to make a cashless transaction? Let’s see.
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Among the things we often worry about are: Which credit card to choose? What are the best credit cards in India? How do you choose the best credit card for you? You are probably confused when it comes to deciding which credit card to choose.
Now, based on your usage and the benefits offered, you can choose from a huge list of “Best Credit Cards in India”.
Happy customers and their valuable comments have been a great sign of our review. Of course, some personal use was also the basis of our review.
Top 10 Best Credit Cards In India In 2023
Stay tuned and keep reading to get an in-depth insight into the “11 Best Credit Cards in India”.
We have done a thorough research on a large number of credit card options available in India. Therefore, you will get an idea of the different credit cards available. You should also read unbiased general opinions based on our experience, comparisons and feedback from some customers.
Popular, affordable products that are preferred by a large number of users are emerging as clear winners. Really great list for you!
You can also get annual fee waiver if your expenditure >= Rs 30,000 in a year. Even a common man is likely to earn up to Rs 30,000 in a year.
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So, you can easily avail the annual fee waiver. If the annual fee is waived, and you certainly can, this is also a free credit card.
The card tops this category and is the preferred choice for credit card users. It has nominal joining fee and annual fee of only Rs 250, if you apply online for this card. You can easily recover the annual fee.
If you apply for a credit card online, you can get a subscription fee as well as a renewal fee waiver. So, you can avail the ICICI Platinum Chip Credit Card for life with the prestigious name of ICICI. In addition, you can enjoy fast approval without any hassle. Now, that sounds great!
Good for online shopping like me! Full details are discussed below. There is no cost to join! You can enjoy the annual fee waiver as well if the annual expenditure is > 30,000 rupees in addition to various rewards at supermarkets, clothing, eateries and restaurants.
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Loaded with some great deals on restaurants, movies, and other expenses along with great cashback and rewards too. You need to check this as well. SBI is a big name in the banking sector, getting a credit card from SBI will really be a good deal.
Now, let’s discuss, the best credit cards in India one by one in detail. Therefore, it will be easier for you to decide which credit card is right for you.
This is a great alternative for salaried people. For individuals looking for brand and credit cards that are easy to use and have low annual fees, this is for you.
You can get a huge number of special cashback offers and additional reward points, if you pay with a credit card. If you are a salaried employee, it is very easy to get a credit card. A free card that also has many benefits.
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This is a popular credit card offered by ICICI and is a popular choice for salaried individuals and first time credit card users. If you apply online, you can get a free Lifetime Platinum credit card, which is really a great offer not to be missed.
The Citibank Rewards credit card, as the name suggests, is a credit card that is great for paying rewards points. These rewards can be easily redeemed for exciting gift vouchers and other exciting offers available.
This actually has great benefits that we bring to you. A good credit card that offers comprehensive rewards points as well as Nil joining fee with annual fee waiver is an added benefit of the credit card.
The best card for online shopping. This card mainly focuses on e-commerce and offers many benefits and rewards for online shoppers. Therefore, if you are a fan of online shopping, you make the most of your credit card to fill your online shopping cart.
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This seems to be a good credit card for those who like to shop online. If you have, enjoy saving some money with rewards points and gift vouchers.
The credit card is good for shopping/eating out/treats and earning cash back and reward points as well.
In our survey, we found that many customers like this card. What is special about it? Let’s analyze the benefits and other details.
This can be the best option for the salaried sector, small traders, housewives, and people who like to spend a lot on groceries and eat out regularly. It is good for people whose annual expenditure is 1 – 2 rupees.
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The details have already been discussed in the “Best Credit Cards” section with no “Annual Fees and Joining Fees” above.
This is a good credit card for earning cashback rewards and paying utility bills online, and some great store benefits for movie lovers as well.
But paying this card is not easy. You must have a good credit history to be approved for a Citibank credit card. But once you get it, you will be ready to easily enjoy many benefits like cashback and bill payment facility.
An American Express or Amex MakeMyTrip credit card comes with many rewards and benefits that can be in the form of redeemable points, cashback, or vouchers, and the name itself indicates that you are likely to enjoy the offers of MakeMytrip. Paying a small premium won’t hurt if you get the most out of the benefits.
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This can be suitable for those who want to earn good cash and also like to travel because there are many offers for redemption, travel vouchers and hotel reservations that you get from time to time.
The Amex Makemytrip credit card isn’t just good for you