10 Best Credit Cards For Freelancers In India

10 Best Credit Cards For Freelancers In India

Are you a freelancer and tired of getting your application rejected. Here we have compiled a list of 10 best credit cards for freelancers in India.

Credit cards are the most accessible source of credit in the finance world. It is known for rewards that the individuals or the cardholders are entitled to receive from their respective credit cards.

10 Best Credit Cards For Freelancers In India (2020)

A freelancer is a self-employed individual. Buying a credit card for a freelancer is the most important decision as a wise buy can make them save up to INR 15000 yearly depending upon their lifestyle and frequency of purchases. Following are the 10 best credit cards for freelancers in India:

1. SBI Prime Credit Card

SBI Prime Card

The individuals who want to enjoy endless cashback and reward points on monthly shopping should have one in their pocket.

Rewards and points:

  • INR 3,000 welcome gift voucher of brands like Bata, hush puppies, yatra.com, pantaloons, shoppers stop, etc.
  • 15 reward points per INR 100 spent on big basket
  • 20 reward points per INR 100 spent on standing instructions to the banks or the financial institutions.
  • 10 reward points per INR 100 spent on groceries, dining, entertainment, and departmental stores.

2. SimplySave Advantage SBI card

SBI SimplySave Advantage Credit Card

This card gives unlimited advantages or privileges to the cardholders. This card is highly affordable, with an annual fee of INR 499 only.

Rewards and points:

  • Earn 10 reward points per INR 100 spent on groceries, dining, entertainment, and departmental stores.
  • Earn 1 reward point per INR 100 spent on things other than the above.
  • 1% fuel surcharge is waived off at the petrol pumps.
  • Annual membership fee reversal from the second year
  • Accepted in almost more than 24 million outlets across the world.

Recommended: SBI SimplySAVE Credit Card Review

3. Jet Airways American Express Platinum Credit Card

Jet Airways American Express Platinum Credit card

This credit card is mainly for individuals who are frequent travelers. The annual fee for these cards is INR 5000 in the first year and INR 10,000 in the second year onwards, including applicable taxes.

Rewards and points:

  • A voucher of INR 10,000 plus one-way complimentary jet airways base fare waived as a welcome gift. Applicable for the domestic flights
  • Complimentary visits to the executive lounges across India.
  • Complimentary elite membership from hotels and spas
  • 20% discount at premium restaurants and resorts
  • 8 Jet airways miles for every INR 150 spent at fuel, cash transactions, insurance, and utilities.

4. CITI Rewards Credit Card

CITI Rewards Credit Card

This card gives reward points on all the purchases. Thus, frequent buyers should buy this credit card. The annual fee for this Citi bank credit card is INR 1000, which is quite reasonable.

Rewards and points:

  • As soon as the card is activated, 2500 reward points are activated
  • Earn 10 reward points for every INR 125 spent on department stores and clothes
  • For all the purchases other than departmental stores and clothes, 1 reward point is earned for every INR 125 spent.
  • 1500 bonus points on the first purchase from the credit card. The purchase should be made within 30 days of the availing the credit card.
  • 1000 bonus points on the first INR 1000 spent within 60 days of availing the credit card.

5. Citi Cashback Credit Card

Citi CashBack Credit Card

If the individual has a savings behavior and wants to save more, then he should go for this credit card.

Rewards and points:

  • 5% cashback when the individual purchases movie tickets
  • 5% cashback on the telephone bill
  • 5% cashback on all the utility bill paid through the credit card
  • 0.5% cashback on all the other things except the above mentioned

Also Read: 6 Best Citibank Credit Cards Review

6. HDFC Platinum Edge Credit Card

This card gives cashback opportunities for daily shopping.

Rewards and points:

  • Earn 2 reward points on INR 150 spent
  • 50% reward points on dining bills
  • 1% fuel surcharge is waived off while paying for fuel
  • Banks give up to 50 days of an interest-free period from the date the loan was availed.
  • 10 reward points are equivalent to INR 10, which can be availed as a cashback against the outstanding amount.

7. Standard Chartered Super Value Titanium Credit Card

Standard Chartered Super Value Titanium Credit Card

This card is user-friendly. It offers a monthly savings of INR 6000 on general expenses. The annual fee and renewal fee is INR 750.

Rewards and points:

  • 5% cashback when spent on fuel stations using the credit card
  • 5% cashback on making telephone bill payments
  • 5% cashback on paying the utility bills using the credit card
  • Avail 1 reward point for every INR 150 spent
  • Priority passes for executive lounges
  • Discounts and offers on dining, travel, shopping, and entertainment

8. IndianOil Citi Platinum Card

IndianOil Citi Platinum Card

The above credit card gives several reward points on various activities. Huge savings when refueling the tank and any other activities as specified.

Rewards and points:

  • There is no concept regarding annual fees and renewal fees
  • 4 turbo points on every INR 150 spent on refueling
  • 2 turbo points on every INR 150 spent on departmental stores, groceries, and supermarkets.
  • 1 turbo point for every INR 150 spent on dining, shopping, travel, and entertainment.
  • 1 turbo point is equal to INR 1 of fuel.
  • Can redeem the turbo points instantly at any specified or authorized store.

9. Kotak PVR Gold Credit Card

Kotak PVR Gold Credit Card

This card is available specifically for movie lovers. The cardholder gets up to 24 movie tickets for free in a year with several other benefits as well. The annual fee and the renewal fee for the card are INR 499.

Rewards and benefits:

  • 1 PVR movie ticket free on spending INR 10000 or above in a month
  • 2 PVR movie tickets free on spending INR 15000 or above in a month
  • Free PVR movie tickets on shopping within India
  • Insurance cover for protection against the unauthorized transactions

10. AXIS Bank Neo Credit Card

AXIS Bank Neo Credit Card

This card is custom-built for those who shop online a lot. The annual fee or renewal fee for this card is INR 250.

Rewards and points:

  • Avail 10% discount on movies, recharges and shopping
  • INR 300 and 500 vouchers available for online shopping, entertainment, etc.
  • A minimum discount of 15% available at restaurants wherein AXIS BANK is the partner
  • This credit card includes gift vouchers from Bookmyshow, Amazon, and Jabong.

The annual and renewal fee of the credit card may change according to the situation. The kind of rewards points also needs to be changed according to the customer’s preferences and choice.

Few important things to note:

  1. If the individual is freelancing and his income is less than INR 1.5 lakh per annum, then chances of getting a credit card from the bank will be quite less.
  2. Get debit cards that can accept online payments as the credit cards can be rejected anytime while paying the bills.
  3. If an individual is earning less than 1.2 lakh per annum, then he is not advised to take credit from the banks or the financial institution.

Above mentioned are the 10 best credit cards for freelancers in India. Based on your needs, you can select the perfect credit card among these.

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