Money Management
February 16, 2023

‍Best Credit Cards for Women in India‍

Best credit cards for wome in India. Use XareClub to avail all credit card benefits in one.

Although we may not consider credit cards a gender equality issue today, it wasn’t until 1974 that women were allowed to apply for and own a credit card in their name. Since women were unable to access credit in their name, they were restricted from having the ability to build their own credit profiles. This meant that their credit score would be dependent on the financial choices made by their male spouses. Thankfully, now women can own their own credit cards and be responsible for their own credit scores. Here is a list of the best credit cards for women in India.

Standard Chartered Landmark Rewards Platinum Credit Card

The credit card is an excellent card with a profitable rewards scheme. It aids users with saving on daily expenses.

Annual Fee - Rs. 250 every year. No joining fee.

The credit card is an excellent card with a profitable rewards scheme. It aids users with saving on daily expenses.

Benefits :

  • 5x reward points for every INR 150 spent at fine-dining outlets
  • 5x reward points for every INR 150 spent on fuel
  • 1x reward points for every INR 150 spent on other categories
  • No physical interaction required - Get instant approval on your application and complete your KYC online.

Kotak Silk Inspire Platinum Credit Card

The Kotak Silk Inspire Credit Card is exclusively designed for Indian women. It was introduced to maximize financial independence among women. It can be availed without income proof as it is sanctioned against fixed deposits.

Annual Fee - Joining fee of Rs. 599 in the first year. Rs. 599 will be charged at the beginning of the second year. This fee can be waived if the user has spent Rs. 1,25,000 in the first year.

Benefits :

  • Get up to 5x reward points on every Rs.100 spent on clothing.
  • Earn 1 reward point on every Rs.200 spent on any other categories.
  • A fuel surcharge waiver of 2.5% is applicable when you use your Kotak Silk Inspire Credit Card at any petrol pump across the country.
  • Enjoy 8 free PVR tickets every year.

HDFC Solitaire Credit Card

The HDFC Bank Solitaire credit card is an exclusive card offered only to women. It packs features that are appealing to today’s women.

Annual Fee -Rs. 500 per annum. Spend ₹50,000 in a year and waive next year's membership fee.

Benefits :

  • 1% fuel surcharge waiver at all fuel stations across India (on transactions between ₹ 400 and ₹ 5,000. Max waiver of ₹ 250 per statement cycle)
  • Earn 3 reward points for every Rs 150 you spend
  • Get vouchers worth Rs 1000 on spends of Rs 75,000 in six months. Earn up to two vouchers a year.
  • Get 50% more reward points on dining and grocery expenses.

Citibank Rewards Credit Card

Citibank Rewards credit card is advantageous for frequent shoppers. It offers a variety of discounts on apparel and dining. The reward points offered by this card have no expiry.

Annual Fee - Rs. 1,000 annually. This fee is waived if the cardholder spends Rs. 30,000 or more.

Benefits :

  • Earn 1 Reward Point for every Rs. 125 spent. 10 Reward Points are earned for every Rs. 125 spent on dining.
  • Earn 300 reward points on spending Rs. 30,000 or more. The offer can be availed every month.
  • Get discounts of up to 20% at select restaurants.
  • Concierge Service that can be called for dining reservations, travel assistance, and more.

SBI SimplySAVE Credit Card

SBI SimplySAVE has one of the best savings schemes for groceries, dining, and entertainment. Surveys show that Indian women wishing to save on their daily expenditures recommend this card.

Annual Fee - Rs. 499 annually, waived off on spending Rs. 1,00,000 in the previous year.

Benefits :

  • 10X reward points per Rs. 150 spent on dining, groceries, departmental stores, and movies.
  • 1 reward point per Rs 150 spent on all other spends.
  • 2000 bonus points on spending Rs. 2,000 within the first 60 days of card activation.
  • 1% fuel surcharge waiver across fuel stations for transaction amounts between Rs. 500 and Rs. 3,000.

It seems as if, to achieve maximum benefits, you need every credit card out there. However, Xare allows you to have access to credit cards, regardless of whether you own them. You can even create a XareClub, invite friends to add their credit and debit cards, and everyone gets access to all card benefits.  So the next time you want to save on your shopping, just remember you don't need more cards - you just need more friends in your XareClub! 

XareClub also offers ; 

  • Exclusive offers on club members' cards, 

  • Efficient and easy overseas spending, 

  • VIP privileges like lounge access, concierge services, etc., 

  • Rewards when others shop on your card, 

and so much more! 
To avail the ultimate plethora of benefits, join Xare today! 

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