In honour of International Women’s Day, we’ve selected the top credit cards that empower women to confidently manage their daily expenses. From shopping and entertainment, to groceries and travel, these credit cards provide a seamless and rewarding experience. In addition to ease of use, they offer benefits such as reward points, cashback, discounts, and exclusive offers.
The experts at Refer Loan can not only recommend the perfect credit card for you based on your specific requirements, but they can also help you navigate the various loan options available, such as personal loans and student loans. With their assistance, you can enjoy the benefits of fast processing, clear and honest pricing, and a simplified documentation process. Don’t hesitate, contact Refer Loan today to see how they can support you in reaching your financial goals.
Our list of the best credit cards for women in India is designed to help empower women to take control of their finances and pursue a successful financial journey.
The RBL Bank Shoprite Credit Card: An Overview for Women
Are you tired of paying full price for groceries and movie tickets? The RBL Bank Shoprite Credit Card has got you covered. Specially designed for shopping, this credit card offers a range of benefits that can help you save on your daily expenses. Here’s a look at what RBL Bank Shoprite credit card has to offer:
Savings on Grocery Expenses: With this credit card, you can enjoy a 5% discount on all your grocery purchases. This means you can stretch your budget a little further, without sacrificing the quality of the products you buy.
Discounts on Movie Tickets: Going to the movies is a great way to relax and unwind. And with this credit card, you can save up to 10% on movie tickets. This is a perfect opportunity to treat yourself to a movie without feeling guilty about the expense.
Value Back on Fuel Spends: In addition to shopping and movie discounts, the RBL Bank Shoprite Credit Card also provides 2.5% value back on fuel spends. This is a great way to save some extra money every time you fill up your tank.
Welcome Reward Points: As a welcome gift, you will receive 2000 reward points when you sign up for this credit card. These reward points can be redeemed for exciting prizes and discounts.
Reward Points on Spending: With every purchase you make using this credit card, you earn 1 reward point for every Rs. 100 spent. These points accumulate quickly and can be redeemed for a variety of prizes and discounts.
Annual Fee and Eligibility:
The RBL Bank Shoprite Credit Card comes with an annual fee of Rs. 500. However, this fee can be waived if you make a minimum spend of Rs. 1 Lakh using the card. To be eligible for this credit card, you must be 21 years old or above and have a stable monthly income with a good credit standing.
Some Commonly asked questions about RBL Bank Shoprite Credit Card
With the RBL Bank Shoprite Credit Card, you can enjoy a welcome bonus of 2,000 reward points.
You can easily apply for the RBL Bank Shoprite Credit Card by visiting the bank’s website and clicking the “Apply Now” button.
The entertainment benefits of the RBL Bank Shoprite Credit Card can be availed up to 15 times in a year.
Yes, you can apply for a pre-approved loan without blocking your credit limit. Simply call Refer Loan.
The Citibank Rewards Credit Card:
Are you in the market for a credit card that offers a variety of rewards and benefits to make your daily expenses more manageable? If so, the Citibank Rewards Credit Card may be just what you need. Read on to learn about the features and benefits of this credit card:
Welcome Gift: Up to 2500 Reward Points
Get off to a great start with the Citibank Rewards Credit Card, as you’ll receive up to 2500 reward points as a welcome gift.
Earn More with Every Purchase
- 10X Reward Points on Apparel and Department Stores:Get 10 times the normal amount of reward points when you shop for clothing and household items at participating stores.
- 1 Reward Point for Every Rs. 125 Spent:For all other purchases, you’ll earn 1 reward point for every Rs. 125 you spend.
- 3000 Bonus Points on Rs. 30,000 Spend:If you spend at least Rs. 30,000 in a single month, you’ll receive an additional 3000 bonus reward points.
- Reward Points that Never Expire: The reward points you earn with this card will never expire, so you can use them whenever you need to.
Enjoy Discounts and Cashbacks on Popular Services
- 15% Discount on Dining: Take advantage of discounts of up to 15% when dining at participating restaurants.
- Convert Purchases into Easy EMIs:If you have a big purchase to make, consider converting it into manageable EMIs with the Citibank Rewards Credit Card.
- Instant Loans Against Your Credit Limit:You can also access instant loans against your credit limit.
- Cashback on Domestic Flights:Get cashback of up to Rs. 1200 on domestic flights when you book through the MakeMyTrip app using the Citibank Rewards Credit Card.
- 25% Cashback on Swiggy: Get a 25% cashback, up to Rs. 200, when you order food through Swiggy using this credit card.
- 2 Movie Tickets for the Price of 1 at Paytm Movies:Enjoy discounted movie tickets when you book through Paytm Movies.
- 20% Cashback on Bigbasket:Get 20% cashback when you shop for groceries on Bigbasket using the Citibank Rewards Credit Card.
Personal Concierge Services
In addition to the above benefits, you’ll also have access to personal concierge services. This includes assistance with dining reservations, party planning, travel assistance, and more.
Eligibility and Renewal Fees for Citi Rewards Credit Card
To be eligible for the Citi Rewards Credit Card, you must be at least 21 years of age and have a stable source of income with a decent credit score of 750 or above.The annual fee for the credit card is Rs. 30,000. However, if the cardholder makes purchases totaling Rs. 30,000 or more, the fee will be waived.
To apply for the Citi Rewards Credit Card, you can either visit the nearest Citibank branch or follow the online process. Firstly, go to the Citibank website and click on the option “Apply Now” on the right side of the screen. Then, select the “Citi Rewards Credit Card.” Once you have clicked on this option, click on “Apply Now” again. During the application process, you will be required to provide certain documents and personal information. Be sure to have all necessary documents ready and fill out the required information completely and accurately.
You can redeem your Reward Points as AirMiles/InterMiles, Product catalogue, fuel purchases at Indian Oil outlets, or cashback at a rate of 1 Reward Point = 0.75 AirMile/InterMile.
You can redeem your Reward Points for AirMiles/InterMiles, a product catalogue, fuel purchases at Indian Oil outlets, or cashback.
Yes, you can apply for the Citi Rewards Credit Card offline by visiting your nearest Citibank branch.
HDFC Bank Solitaire Credit Card for Women
HDFC Bank Solitaire is a credit card designed exclusively for women. The card offers various features and benefits to cater to the needs of women.
Reward Points: The card offers 3 reward points on every Rs. 150 spent, along with 50% more reward points on dining and grocery spends. The reward points can be redeemed as cashback, with every 100 reward points converted to Rs. 20.
Shopping Vouchers: The card offers Rs. 1000 shopping vouchers on Rs. 75,000 spends every 6 months, and a shopping voucher worth Rs. 2000 each year.
Cashback: Accumulation of reward points can lead to a cashback of more than Rs. 2000 on spending Rs. 5 Lakhs.
Protection: The card provides a zero liability cover for loss or theft, along with free accident death insurance up to Rs. 50 Lakhs and free fire and burglary protection for goods above Rs. 5000 for 180 days.
Additional Benefits: The card also offers a fuel surcharge waiver up to Rs. 250 per billing cycle and a 50-day interest-free period from the date of purchase. Cardmembers can earn 1000 reward points on payment of membership fees.
Eligibility and Annual Fees for HDFC Solitaire Credit Card:
To avail the HDFC Bank Solitaire Credit Card, applicants must be Indian residents with a suitable income, minimum 21 years old and a maximum of 60 years for salaried individuals and 65 years old for self-employed individuals. The HDFC Solitaire Credit Card has an initial joining fee of Rs. 500. From the second year onwards, the annual fee for the card is Rs. 500. Note: It may vary based on eligibility and income.
You can earn 3 reward points for every Rs.150 spent using the HDFC Bank Solitaire Credit Card. On top of that, you get 50% more reward points for dining and grocery spends.
If you are self-employed, you must be between the ages of 21 years and 65 years to be eligible for the HDFC Bank Solitaire Credit Card.
The interest rate for the HDFC Bank Solitaire Credit Card is 3.49% per month.
The reward points on your HDFC Bank Solitaire Credit Card are valid for 2 years from the date of accumulation.
The fee to reissue the HDFC Bank Solitaire Credit Card is Rs. 100.
Yes, you can use your chipped Solitaire Credit Card as a regular swipe card. This is because the card has both a magnetic strip and a microchip implanted.
Yes, you can apply for the HDFC Bank Solitaire Credit Card online by visiting the official website of the card and clicking on the “Apply Online” button.
The reward points on your HDFC Bank Solitaire Credit Card are valid for 2 years from the date of accumulation.
Simply CLICK SBI credit card:
The SimplyCLICK SBI credit card is designed to cater to the diverse needs of women. With its exclusive range of features and benefits, it provides women an easy and convenient way to save money on everyday expenses.
Welcome Gift: As a welcome gift, this credit card offers an Amazon voucher worth Rs. 500. This is a great way for women to start their journey with the SimplyCLICK SBI credit card on a positive note.
Exclusive Partner Rewards: One of the unique benefits of this card is its 10X reward points offer on online spends with exclusive partners such as Amazon, BookMy Show, Cleartrip, Foodpanda, Lenskart, Netmeds, Rentomojo, UrbanClap, etc. Women who frequently make online purchases will be able to save a lot on their purchases with this offer.
Online and Offline Spend Rewards: In addition to the 10X reward points, this credit card also offers 5X reward points on all other online spends and 1 reward point on offline spends. With such an attractive reward system, women will be able to save a lot of money in the form of reward points on their daily expenses.
Annual Spend Rewards: On annual spends of 1 Lakhs and 2 Lakhs, this credit card offers an e-voucher worth Rs. 2000. This will provide women with an opportunity to save big on their annual expenses.
Fuel Surcharge Waiver: Another noteworthy benefit of this card is the 1% fuel surcharge waiver for every transaction between Rs. 500 and Rs. 3000. Women who frequently make fuel purchases will find this feature very useful in saving money on their fuel expenses.
Reversible Annual Fee: SimplyCLICK SBI credit cards have an annual fee of Rs. 499, which is reversible after you spend Rs. 1 lakh on the card annually. This makes it a cost-effective option for women who are looking for a credit card with attractive features and benefits.
Interest Free Period: The interest-free period of up to 50 days from the date of purchase is another noteworthy feature of this card. Women will be able to save money on interest charges with this feature.
Global Acceptance: This credit card also provides the convenience of cash withdrawal from over 1 million Visa and MasterCard ATMs across the globe. Women will be able to access their cash easily and conveniently, no matter where they are in the world.
FlexiPay Option: Finally, this card provides women with the flexibility to convert their big purchases into Flexipay and pay in easy monthly instalments. With its range of offers, discounts, cashback and reward points, the SimplyCLICK SBI credit card is an excellent choice for women who are looking for a cost-effective and convenient easy way to save money on everyday expenses.
To apply for the SimplyCLICK SBI Card online, follow these steps: First, go to Refer Loan on the “Credit Cards” tab. Then, select SBI Bank Credit Card and choose the SimplyCLICK SBI Card. After that, click on the “Check Eligibility” button to establish your eligibility for the card. If you are eligible, you will be redirected to the online application page. Fill in the online application form and click “Submit.” Finally, upload and submit the required documents in the next step. After submitting your application, you will receive an acknowledgement message with the Application ID.
The SBI SimplyCLICK credit card offers benefits for frequent online shoppers, especially those who shop with the card’s partner brands such as Cleartrip, BookMyShow, FoodPanda, UrbanClap, and Lenskart. Cardholders receive 10 times more reward points for each purchase made on these platforms, which can be redeemed for gifts and vouchers. Additionally, the annual fee is waived on spends above Rs.1 lakh, providing more value to the cardholder.
Both cards offer similar features and benefits, but the only difference is in the interest charge on the outstanding due amount. The interest rate for SBI SimplyCLICK is 3.35% per month and for SimplyCLICK Advantage is 2.50% per month.
Both SBI SimplySAVE and SBI SimplyCLICK credit cards are unique and offer different benefits. SimplySAVE offers benefits for everyday in-store purchases such as groceries, dining, and movies, while SimplyCLICK provides benefits for online shopping, especially with the card’s partner stores such as Lenskart, BookMy Show, Cleartrip, etc.
Cardholders can pay their SBI SimplyClick Credit Card bill online through various methods, such as debit card, UPI, NEFT, mobile app, net banking, SBI Auto Debit, National Automated Clearing House (NACH), etc. They can also pay the bill offline through methods such as paying at a bank counter, cheque-manual drop box, cheque-electronic drop box, and SBI ATM.
If you lose your SBI SimplyClick Credit Card, you should immediately contact a bank customer care executive by calling the bank’s customer care number and request that your card be blocked. You can also visit the nearest SBI branch and request the same. Once the card is blocked, you can request the bank to issue a duplicate card.
If you find your lost credit card after it has been blocked, you should not use it. You should make sure to destroy the card by cutting it across the magnetic strip.
The SBI SimplyClick Credit Card offers two Balance Transfer plans:
1. Transfer the outstanding balance to your SBI SimplyClick Credit Card with an interest rate of 0.75% p.m. for 3 months and a processing fee of 1.5% or Rs.199, whichever is higher.
2. Transfer the outstanding balance with an interest rate of 1.27% p.m. for 6 months and a processing fee of 1.5% or Rs.199, whichever is higher.
NEFT, instead of checks, will be used to transfer the Balance Transfer payment because of Covid-19.
ICICI Bank Coral Credit Card – An Overview for Women
The ICICI Bank Coral Credit Card is designed for women and offers a range of benefits and rewards on various purchases. Let’s take a closer look at the features and benefits of this credit card.
PAYBACK Points: This card allows you to earn up to 10,000 PAYBACK points per annum. This means that for every purchase you make using this card, you will be earning points that you can later redeem for various rewards.
Complimentary Domestic Lounge Access: As a cardholder, you will have access to one complimentary domestic lounge per quarter. This is a great way to relax and unwind in between flights.
Complimentary Movie Tickets: The ICICI Bank Coral Credit Card also offers 2 complimentary movie tickets per month by booking under the ‘Buy one, get one’ offer from BookMyShow. This means that you can enjoy a movie with a friend or loved one without having to spend any extra money.
Dining Discounts: The card offers a 15% discount on dining bills at over 2500 restaurants across India. This is a great way to save money on eating out, whether it’s for a special occasion or just a casual meal.
Earn Points on Spend: For every Rs. 100 spent using this card, you will earn 2 PAYBACK points (except for fuel). This is a great way to earn rewards for everyday purchases.
Fuel Surcharge Waiver: With the ICICI Bank Coral Credit Card, you can avail of a 1% fuel surcharge waiver. This means that you can save money on fuel purchases made using this card.
Joining Fees: The joining fee of this card is Rs. 500 + GST. If you spend more than Rs. 1,50,000 in a year, the annual fee for the next year will be waived.
Savings through Offers and Discounts: By using all the offers and discounts available with this card, you can save up to Rs. 18,375 per year. This is a great way to make the most of your card and get the most value for your money.
Chip Security: The ICICI Bank Coral Credit Card comes with chip security to help prevent fraud and theft. This means that you can feel confident using this card for all your purchases, knowing that your information is safe and secure.
Annual Fees and Eligibility :The ICICI Bank Coral Credit Card has an annual fee of INR 199, which is a one-time charge. There is also a renewal fee of INR 99 each year, but this fee can be waived if you spend at least INR 50,000 in a year. There are no additional fees for adding someone to your card.
In order to be eligible for this credit card, you must be between 21 and 65 years old, have a good credit history, and either be salaried or self-employed with an annual salary of at least 300,000.
Yes, you can easily apply for the ICICI Bank Coral Credit Card online.
If you lose your credit card or it gets stolen, you should immediately call the customer service for credit cards and report the card as lost or stolen. You can also log into your Net Banking account and report the loss from there.
If you find your lost credit card after reporting it, do not use it. Cut the card into pieces, making sure to cut through the chip as well, to safely dispose of it.
You can check your eligibility for the ICICI Bank Coral Credit Card by using Refer Loan and reviewing your credit profile.
The joining fee for the ICICI Bank Coral Credit Card is INR 500 with GST and the annual fee is INR 500 with GST. However, if you spend at least INR 1,50,000 per year, the annual fee can be reversed.
If you’re looking for support with your financial needs, then reaching out to Refer Loan is a wise choice. They offer expert guidance and assistance with various loan options, including personal loans and student loans. With their help, you can enjoy the following benefits:
- Fast processing: No need to wait for weeks or months to get your loan approved. Refer Loan provides quick and efficient loan processing, so you can get the funds you need in no time.
- Transparent fees:There are no hidden fees or charges involved with Refer Loan. They provide transparent and straightforward pricing, so you always know what you’re paying for.
- Minimal documentation: Applying for a loan can be overwhelming, but with Refer Loan, the process is streamlined and simple. You only need to provide minimal documentation, so you can get your loan approved quickly and easily.
- Expert guidance: The team at Refer Loan is knowledgeable and experienced in the lending industry. They will provide you with personalized and expert guidance, ensuring that you get the best loan option for your specific needs.