4. SBI Gold Credit Card

The joining and the annual fees on this card are 299, and you can earn 1 point for every 100 you spend and 10 Cash Points for every 100 spent on Departmental Store & Grocery Spends through your credit card.

 The points you have accumulated on your SBI credit Card, can be redeemed against Gift Vouchers, Electrical Appliances, Accessories, Lifestyle products etc. on their website.

5. ICICI Bank Coral Credit Card:

ICICI Bank has tied up with PAYBACK, a loyalty program that lets you earn points for the daily activities you do, like refueling, traveling, shopping, eating out, watching movies, etc. Points earned can be redeemed against fabulous rewards from the PAYBACK rewards catalog or at PAYBACK’s various in- store/retail store partners and online partners.

The joining fee is 1,000 + service tax and along with that you get a complimentary tie worth 999 from Provogue. You can avail of this card if you are more than 23 years old, an Indian national and providing required income and identity documents.