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As per your website Citi Bank offers so many Life time Free cards. But today i applied for credit card through citibank website and they clearly mention without any a/c with citi bank you are not eligible for credit card.

Credit Card

Credit Cards: Get upto 5% cashback with HDFC Value Plus Credit Card

which credit card should i get

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Untitled Reward Points Earning Credit Cards

ABN AMRO Freedom Card

You earn 1 point for every Rs. 100 you spend on your card
Our exclusive PetroPlus program gets you a waiver of this fuel surcharge on all fuel purchases above Rs100 across all petrol pumps in India.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: You can access cash up to 30% of your credit limit at over 2900 ATMs across India and over 6,50,000 ATMs across the globe;
Eligibility Conditions: If you are salaried, minimum income of Rs. 84,000 p.a. is required and Salary Slip or IT Returns or Form 16 is required; If you are self-employed, minimum income of Rs. 84,000 p.a. is required and CA certified copy of computation of income along with IT Returns and Bank Statement of Last 3 Months is required; ALTERNATIVELY, if you are holding any primary credit card for over 1 year, you may provide the following documents in lieu of income documents (applicable for both salaried and self-employed): Photocopy of the front & back of your credit card and Photocopy of your most recent credit card statement.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 595	Rs. 295	No Fee	Waived at all outlets	42%	42%	International

ABN AMRO Smart Gold Card

Earn 2 Smart Reward Points for every Rs.100
Reward Points against fuel at select BPCL outlets;So tank-up each time you accumulate 500 Smart Reward Points.
Your all new ABN AMRO Smart Gold Card gives you the never before option of converting your Smart Reward Points into Smart Miles and redeeming them against free tickets to any destination in the world
You can also redeem your Smart Reward Points, online, at exclusive national brand outlets
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: If you are salaried (PSU/Govt. MNC/Public Limited), minimum income of Rs. 1,50,000 p.a. is required and Salary Slip or IT Returns or Form 16 is required; If you are self-employed (Partnership/Pvt. Ltd./ Sole Proprietership), minimum income of Rs. 1,50,000 p.a. is required and CA certified copy of computation of income along with IT Returns and Bank Statement of Last 3 Months is required; ALTERNATIVELY, if you are holding any primary credit card for over 1 year, you may provide the following documents in lieu of income documents (applicable for both salaried and self-employed): Photocopy of the front & back of your credit card and Photocopy of your most recent credit card statement.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 2000	Rs. 500	No Fee	Waived at all outlets	42%	42%	International

ABN AMRO Barista Card

Earn reward points equal to Rs.7.50 for every Rs. 100 spent at Barista
Earn Reward Points equal to Re.1 for every Rs.100 spent outside Barista
Get free Barista Vouchers worth Rs. 300 with your card
Every time you purchase fuel for an amount above Rs. 100, you pay 0% surcharge.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: If you are salaried (PSU/Govt. MNC/Public Limited), minimum income of Rs. 84,000 p.a. is required and Salary Slip or IT Returns or Form 16 is required; If you are self-employed (Partnership/Pvt. Ltd./ Sole Proprietership), minimum income of Rs. 84,000 p.a. is required and CA certified copy of computation of income along with IT Returns and Bank Statement of Last 3 Months is required; ALTERNATIVELY, if you are holding any primary credit card for over 1 year, you may provide the following documents in lieu of income documents (applicable for both salaried and self-employed): Photocopy of the front & back of your credit card and Photocopy of your most recent credit card statement.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 299	Rs. 199	Rs. 299	Waived at all outlets	42%	42%	International

ABN AMRO Adlabs Card

You earn 1 point for every Rs. 50 you spend on your Card
You get 10 Reward Points, equal to Rs.5 for every Rs.100 spent at Adlabs
Every time you purchase fuel for an amount above Rs. 100, you pay 0% surcharge.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: If you are salaried (PSU/Govt. MNC/Public Limited), minimum income of Rs. 84,000 p.a. is required and Salary Slip or IT Returns or Form 16 is required; If you are self-employed (Partnership/Pvt. Ltd./ Sole Proprietership), minimum income of Rs. 84,000 p.a. is required and CA certified copy of computation of income along with IT Returns and Bank Statement of Last 3 Months is required; ALTERNATIVELY, if you are holding any primary credit card for over 1 year, you may provide the following documents in lieu of income documents (applicable for both salaried and self-employed): Photocopy of the front & back of your credit card and Photocopy of your most recent credit card statement.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 299	Rs. 199	Rs. 299	Waived at all outlets	42%	42%	International

American Express E Credit Card

For every Rs. 40 you spend on your American Express Card, you earn 1 Membership Rewards Point.
Fuel surcharge waived at HPCL gas station.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 495	No Fee	No Fee	Waived at only some outlets	35.4%	35.4%	International

India Today Group American Express Credit Card

American Express Card at the rate of 1 point for every Rs.40 spent
Fuel surcharge waived at HPCL gas station.
The India Today Group Card brings you special offers from over 70 establishments including The Park, Hidesign, La Brassierie (Mumbai), Da Milano (Delhi), Ebony (Bangalore) and many more
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 995	No Fee	Rs. 495	Waived at only some outlets	34.68%	34.68%	International

The Indian Airlines American Express Green Card

Redeem free flights faster by clocking Triple Membership Rewards points on all Card spending. These points are freely transferable to the Indian's/Air India Flying Returns program as add on mileage points.
Fuel surcharge waived at HPCL gas station.
Enjoy 25% discount on Business Class tickets and 15% on Economy Class tickets
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 5900	No Fee	Rs. 2000	Waived at only some outlets	34.68%	34.68%	International

Indian American Airlines Express Gold Card

You earn Double Membership Rewards points (5 points for every Rs. 100) on your regular purchases on the Card, with TURBO the unique points accelerator programme
These points can be freely transferred to your Flying Returns account as add on mileage points (AOMPs), so you can redeem your free flights faster
Fuel surcharge waived at HPCL gas station.
15% off on Economy and 10 % off on Business Class tickets
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 3750	No Fee	Rs. 2000	Waived at only some outlets	34.68%	34.68%	International

Axis Bank Platinum Credit Card

Earn 1 Reward Point for every Rs.100 spent on your card
Earn 2 Reward Points for every Rs. 100 spent above Rs. 1,00,000 in a calendar year
Earn 2 Reward Points for every Rs. 100 spent on International Spends
Waived for a minimum transaction of Rs.400 and a maximum of Rs 4000
With an Axis Bank Platinum Credit Card you can make 5% savings on your fuel expenses. Now get a 2.5% Cash back along with a 2.5% Fuel Surcharge Waiver
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 1000	Rs. 5000	Rs. 500	Waived at only some outlets	41.75%	41.75%	International

Axis Bank Gold Plus Credit Card

Earn a reward point for every Rs 100 that you spend, and redeem your points against exciting merchandise or gift vouchers from our catalogue.
Fuel surcharges waived for minimum 200and maximum Rs 2500
Apply for an Axis Bank Gold Plus Credit Card and claim a complimentary return flight voucher to and fro journey
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Net annual income must be atleast Rs.1,80,000;

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 500	Rs. 1000	Rs. 500	Waived at only some outlets	41.75%	41.75%	International

Axis Bank Gold Credit Card

With your Axis Bank Credit Card, you earn 1 PlusPoint for every Rs. 100 spent on domestic transactions and 2 PlusPoints for every Rs. 100 spent on international transactions
eShop Card is a virtual credit card that allows you to shop online securely without divulging your credit card details
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Net annual income must be atleast Rs.1,80,000;

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Not waived	41.75%	41.75%	International

Axis Bank Silver Plus Credit Card

With your Axis Bank Credit Card, you earn 1 PlusPoint for every Rs. 100 spent on domestic transactions and 2 PlusPoints for every Rs. 100 spent on international transactions
Apply for an Axis Bank Silver Plus Credit Card and get a complimentary one way flight voucher
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Net annual income must be atleast Rs.1,20,000;

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 300	Rs. 500	Rs. 300	Not waived	41.75%	41.75%	International

Axis Bank Silver Credit Card

With your Axis Bank Credit Card, you earn 1 PlusPoint for every Rs. 100 spent on domestic transactions and 2 PlusPoints for every Rs. 100 spent on international transactions
eShop Card is a virtual credit card that allows you to shop online securely without divulging your credit card details
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Net annual income must be atleast Rs.1,20,000;

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Not waived	41.75%	41.75%	International

BOBCARD GOLD (VISA)

Bonus points up to 3 (for every Rs.100 spent 1 bonus point would be credited. Additional bonus points calculated on incremental annual usage at the end of financial year)
3 Bonus points on annual usage of above Rs.5 lac
2 Bonus points on annual usage from Rs.2 lac to Rs.5 lac
1 Bonus point on annual usage upto Rs.2 lac
Fuel Surcharge waiver applicable on all transactions between Rs.250 & Rs.2000.
No Renewal Fee For Next Year ( Minimum 10 transactions on card in a year, irrespective of the transaction amount )
Credit Limit: Revolving credit : Rs. 75,000 onwards (The company has the right to issue cards with lower limits also with a min. limit of Rs.50,000)
Cash Advance Limit: Cash withdrawal: 20% of credit limit.
Eligibility Conditions: Individual : Annual income of Rs. 1,50,000 or more.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 1000	No Fee	No Fee	Waived at all outlets	30%	30%	International

BOBCARD GOLD (MASTERCARD)

Bonus points up to 3 (for every Rs.100 spent 1 bonus point would be credited. Additional bonus points calculated on incremental annual usage at the end of financial year)
3 Bonus points on annual usage of above Rs.5 lac
2 Bonus points on annual usage from Rs.2 lac to Rs.5 lac
1 Bonus point on annual usage upto Rs.2 lac
Fuel Surcharge waiver applicable on all transactions between Rs.250 & Rs.2000.
No Renewal Fee For Next Year ( Minimum 10 transactions on card in a year, irrespective of the transaction amount )
Credit Limit: Revolving credit : Rs. 75,000 onwards. (The company has the right to issue cards with lower limits also with a min. limit of Rs.50,000)
Cash Advance Limit: Cash withdrawal: 20% of credit limit.
Eligibility Conditions: Individual : Annual income of Rs. 1,50,000 or more;

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 1000	No Fee	No Fee	Waived at all outlets	30%	30%	International

Cancard Visa Classic

Earn 1 bonuspoint for every usage of Rs.100
Spend Rs.12000/- every year and get waiver of renewal fee/ annual fee year after year thus you can avail lifetime free card
Credit Limit: Get 30% of your gross annual income with a maximum of Rs.3.00 lakhs.
Cash Advance Limit: Cash withdrawal limit upto 50% of your card limit with a maximum of Rs.50,000.
Eligibility Conditions: Gross Annual Income Rs.60,000 (min)

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 400	Rs. 250	No Fee	Not waived	30%	30%	India only

Cancard MasterCard

Earn 1 bonuspoint for every usage of Rs.100
Spend Rs.12000 every year and get waiver of renewal fee/ annual fee year after year thus you can avail lifetime free card
Credit Limit: Get 30% of your gross annual income with a maximum of Rs.3.00 lakhs.
Cash Advance Limit: Cash withdrawal limit upto 50% of your card limit with a maximum of Rs.50,000.
Eligibility Conditions: Gross Annual Income Rs.60,000 (min)

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 400	Rs. 250	No Fee	Not waived	30%	30%	India only

Cancard Visa International Gold card

Earn 1 bonuspoint for every usage of Rs.100
Spend Rs.12000 every year and get waiver of renewal fee/ annual fee year after year thus you can avail lifetime free card
Credit Limit: Get 30% of your gross annual income with a maximum of Rs.3.00 lakhs.
Cash Advance Limit: Cash withdrawal limit upto 50% of your card limit with a maximum of Rs.50,000.
Eligibility Conditions: Gross Annual Income Rs.2,00,000 (min)

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 750	Rs. 250	No Fee	Not waived	30%	30%	International

IndianOil Citibank Gold Card

Earn 4 Turbo Rewards Points for every Rs.150 spent at select IndianOil Retail Outlets in addition to a 2.5% transaction charge waiver
For spends outside IndianOil Retail Outlets, earn 1 Turbo Point for every Rs. 150/- spent on the IndianOil Citibank Gold Card
2.5% fuel surcharge waived at IndianOil outlets.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	38.28%	38.28%	International

IndianOil CitiBusiness Gold Card

You get 4 Rewards Points for every Rs. 150 spent on petrol purchase at IndianOil Outlets
You get 1 Rewards Point for every Rs. 150 spent on the Card elsewhere
2.5% fuel surcharge waived at IndianOil outlets.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	38.28%	38.28%	International

IndianOil Citibank Card

Rs. 200/- spent on your IndianOil Citibank Credit Card gives you 1 Turbo Point
Purchase at IndianOil Retail Outlets gives you 3 Turbo Points.
2.5% fuel surcharge waived at IndianOil outlets.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	38.28%	38.28%	International

Citibank Maruti Suzuki AutoCard

Earn 6 Auto Points for every Rs. 100 spent on Car Service at participating Maruti Suzuki dealerships/select MASS or towards purchase of Maruti Genuine Parts (MGP), Maruti Genuine Oil (MGO) or other Maruti genuine consumables on the Maruti Suzuki AutoCard
Earn 3 Auto Points for every Rs. 100 spent on purchasing a wide range of Maruti genuine accessories or Maruti Insurance or Extended Warranty on the Maruti Suzuki AutoCard
Earn 1.5 Auto Points for every Rs. 100 spent on purchasing fuel at IndianOil Outlets on your Maruti Suzuki AutoCard
Earn 1 Auto Point for every Rs. 100 spent on your Maruti Suzuki AutoCard towards purchases at any Card accepting Merchant Establishment across the world
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Not waived	38.28%	38.28%	International

Citibank Platinum Card

Get welcome gift voucher worth Rs. 2000 from Travelocity
Earn up to 5 Reward Points on spend of Rs. 125 at select merchants
Get exciting offers on travel, entertainment and dining
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 1000	No Fee	No Fee	Not waived	38.28%	38.28%	International

First Citizen Citibank Card

With your First Citizen Citibank Credit Card, earn up to 5 Reward Points for every Rs. 100 spent at Shoppers' Stop
2.5% fuel surcharge waived at IndianOil outlets.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	38.28%	38.28%	International

Citibank Gold Card

Earn 1 Rewards Point for every Rs. 150/- spent
2.5% fuel surcharge waived at IndianOil outlets.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	38.28%	38.28%	International

Citibank Silver Card

You earn 1 Rewards Point for every Rs. 200 spent on the Card
2.5% fuel surcharge waived at IndianOil outlets.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	Rs. 350	Waived at only some outlets	38.28%	38.28%	International

Reliance Gold Credit Card

5 Rewards Points for every Rs. 150 spent through standing instruction facility availed for paying Reliance mobile bills (post-paid)
3 Rewards Points for every Rs. 150 spent at Adlabs
3 Rewards Points for every Rs. 150 spent on select products and services at Reliance world and communication outlets
1 Rewards Point for every Rs. 150 spent on all other spends including other standing instructions
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Not waived	38.28%	38.28%	International

Reliance Silver Credit Card

5 Rewards Points for every Rs. 150 spent through standing instruction facility availed for paying Reliance mobile bills (post-paid)
3 Rewards Points for every Rs. 150 spent at Adlabs
3 Rewards Points for every Rs. 150 spent on select products and services at Reliance world and communication outlets
1 Rewards Point for every Rs. 150 spent on all other spends including other standing instructions
2.5% fuel surcharge waived at IndianOil outlets.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	38.28%	38.28%	International

Hutch Citibank Card

3 Talk Points for every Rs. 100 spent on your Vodafone bills
2 Talk Points for every Rs. 100 spent elsewhere
One Talk Point has a redeemable value of Re. 1
2.5% fuel surcharge waived at IndianOil outlets.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	38.28%	38.28%	International

Citibank Woman's Card

You can earn 1 Rewards Point for every Rs. 150 spent on your Card
2.5% fuel surcharge waived at IndianOil outlets only.
This Credit Card presents a whole new world of benefits, designed solely for women
Enjoy fabulous discounts in beauty and health products, entertainment and shopping
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	38.28%	38.28%	International

Citibank Diners Club International Card

Earn one Club Rewards Point for every Rs. 125 spent using the Credit Card
You can redeem them for fabulous travel packages and delightful gifts or encash them whenever you want. Moreover, these points are 'evergreen' - you can redeem them whenever you want
Travel House (a member of the ITC Group) brings you exclusive travel benefits: Get 4.5% off on basic international airfares and 3% off on domestic airfares
Enjoy discounts at restaurants, car rentals and retail stores
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 1000	No Fee	No Fee	Not waived	38.28%	38.28%	International

Deutsche Platinum Credit Card

You earn 1.5 points each time you spend Rs. 100 on your platinum credit card
Fuel surcharge waived for transactions between Rs. 400 to Rs. 4,000;
1 complimentary business class companion ticket (round trip) from Mumbai to London on Gulf Air
50% discount for companion on economy class ticket (round trip) from Mumbai to London on Gulf Air
22% discount on business class ticket (round trip) from Mumbai to Buenos Aires
10% discount on economy class ticket (round trip) from Mumbai to Milan
10% discount on the TaylorMade golf set worth Rs. 120,000
Complimentary golf at least once every two months at any of the 4 prestigious golf clubs through the Deutsche Bank golf programme
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 2500	Rs. 10000	No Fee	Waived at all outlets	35.4%	35.4%	International

Deutsche SmartGold Credit Card

Earn savings points with your purchases. 1 savings point = Re 0.75 of cash value
Choose one of four plans that matches your lifestyle and spend patterns
*Shop Plan* Savings points earned on Rs. 100 spent: Shopping in departmental stores - 4 savings points. Petrol purchases - 2.5 savings points. Purchase of consumer durables or electronic items - 2 savings points. Restaurant bills - 1.5 savings points. Books - 1.5 savings points. All other spends on your card - 0.5 savings points
*Travel Plan* Savings points earned on Rs. 100 spent: Hotel expenses - 4 savings points. Airline tickets - 2.5 savings points. Car rental expenses - 1.5 savings points. Rail tickets - 1.5 savings points. All other spends - 0.5 savings points
*Home Plan* Savings points earned on Rs. 100 spent: Grocery shopping - 4 savings points. Cellphone bills - 2.5 savings points. Electricity bills - 2.5 savings points. Insurance premium - 1.5 savings points. Medical spends - 1.5 savings points. All other spends - 0.5 savings points
*Party Plan* Savings points earned on Rs. 100 spent: Restaurants bills - 4 savings points. Petrol purchases - 2.5 savings points. Shopping in departmental stores - 2savings points. Payment in bars and pubs - 2 savings points. Movie ticket - 1.5 savings points. All other spends - 0.5 savings points
Fuel surcharge waived for transactions between Rs. 400 to Rs. 4,000.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Minimum Income for self employed Rs. 2,75,000/- p.a. Minimum Income for salaried Rs. 2,40,000/- p.a.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at all outlets	38.4%	38.4%	International

Deutsche db business Credit Card

Everytime you use your db business Credit Card, you can earn savings points. Every savings points has a cash value of Re. 0.75 or 1 airline mile. You can choose to redeem your savings points either to cash credit or airline miles as per your need.
Fuel surcharge waived for transactions between Rs. 400 to Rs. 4,000.
Withdrawing cash is no longer expensive with your db business Credit Card. Every time you withdraw cash on your db business Credit Card, we will reward you with savings points. You can earn 2 savings points for every Rs. 100 withdrawn on your credit card.Get incredible discounts and offers on all business expenses like courier, stationery, security services or car rentals and much more with your db business Credit Card.
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at all outlets	38.4%	38.4%	International

HDFC Bank Silver Credit Card

For every Rs. 150 you spend, you earn 1 reward points
Fuel surcharge waived only at Bharat Petroleum Pumps.
2.5% CashBack on fuel at Bharat Petroleum Pumps
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Salaried People: Minimum Annual Income of Rs 2,00,000 p.a.; Self Employed People: Minimum Annual Income of Rs 1,50,000 p.a.;

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 700	Rs. 300	No Fee	Waived at only some outlets	35.4%	30%	International

HDFC Bank Platinum Plus Credit Card

2 points per Rs 150 up to Rs 10,000 spend p.m
5% Cashback on Airline Bookings through HRG-SITA
Discounts at over 28,000 hotels and resorts worldwide
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 3999	Rs. 1000	No Fee	Waived at all outlets	31.8%	30%	International

HSBC Platinum credit card

2 points for every Rs 150 spent
Additional point for every Rs 150 spent internationally
Reward points validity for 3 years
We welcome you into the world of HSBC Platinum, with a choice of two very special gifts
Select from an exquisite Mont Blanc Pen or a bonus of 5000 Reward Points
You will receive the welcome gift within 3 months from the date of dispatch of your approved Platinum Credit Card
Save 2.5% fuel surcharge at any pump any place. Offer valid round the year. Applicable for each fuel purchase between Rs. 400 and Rs. 4000 per transaction (inclusive of both amounts and excluding the surcharge amount)
3% cashback on all domestic airlines forbooking on MakeMyTrip.com
5% cashback on international airlines for booking on MakeMyTrip.com
10% cashback on hotels and holiday packages for booking on MakeMyTrip.com
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Minimum annual income should be Rs. 10,00,000 p.a. for self-employed / salaried individuals;

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 3999	Rs. 1999	Rs. 3999	Waived at all outlets	33%	33%	International

HSBC Gold credit card

Earn 1 Reward Point on every Rs. 100 spend with your HSBC credit card
Save 2.5% fuel surcharge at any pump any place. Offer valid round the year. Applicable for each fuel purchase between Rs. 400 and Rs. 4000 per transaction (inclusive of both amounts and excluding the surcharge amount).
3% cashback on all domestic airlines forbooking on MakeMyTrip.com
5% cashback on international airlines for booking on MakeMyTrip.com
10% cashback on hotels and holiday packages for booking on MakeMyTrip.com
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Minimum annual income should be Rs. 1,75,000 p.a. for self-employed / salaried individuals;

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 2000	No Fee	Rs. 1000	Waived at all outlets	37.2%	37.2%	International

HSBC Classic credit card

Earn 1 Reward Point on every Rs. 100 spend with your HSBC credit card
Save 2.5% fuel surcharge at any pump any place. Offer valid round the year. Applicable for each fuel purchase between Rs. 400 and Rs. 4000 per transaction (inclusive of both amounts and excluding the surcharge amount).
3% cashback on all domestic airlines forbooking on MakeMyTrip.com. 5% cashback on international airlines for booking on MakeMyTrip.com. 10% cashback on hotels and holiday packages for booking on MakeMyTrip.com
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Minimum annual income should be Rs. 72,000 p.a. for self-employed & Rs. 100,000 p.a. for salaried individuals;

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 700	No Fee	Rs. 350	Waived at all outlets	37.2%	37.2%	International

ICICI Bank American Express Gold

5 I-miles for every Rs. 100 spent on the card
0% fuel surcharge at select HPCL pumps on select cards (max of Rs.3000 per transaction).
Discount of 3% on basic airfares and 5% on holiday packages from makemytrip.com
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: If your salaried minimum income must be Rs. 1,20,000/- p.a.For self employed minimum income must be Rs. 1,00,000/- p.a.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	45.09%	45.09%	International

ICICI Bank Platinum Card

Reward point on every Rs 100 spend
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: If your salaried minimum income must be Rs. 4,80,000/- p.a.For self employed minimum income must be Rs. 4,80,000/- p.a.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at all outlets	38.48%	38.48%	International

ICICI Bank Titanium Card

Higher reward points for retail spends in India, 2 reward points per Rs 200
More rewards for retail spends outside India, 10 reward points for every Rs 200
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: If your salaried minimum income must be Rs. 3,60,000/- p.a.For self employed minimum income must be Rs. 3,60,000/- p.a.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at all outlets	45.09%	45.09%	International

ICICI Bank Signature Card

5 points on every international spend of Rs.100, 4 points on every travel-related spend of Rs.100 and 2 points on every hotel-and dining-related spend of Rs.100
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: If your salaried minimum income must be Rs. 14,40,000/- p.a.For self employed minimum income must be Rs. 14,40,000/- p.a.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
Rs. 2500	Rs. 25000	No Fee	Waived at all outlets	38.48%	38.48%	International

ICICI Bank - American Express Green Credit Card

Earn 1 reward points on every Rs. 40 you spend
Fuel surcharge waived at HPCL outlets (Upto Rs. 3,000 per transaction)
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: If your salaried minimum income must be Rs. 96,000/- p.a.For self employed minimum income must be Rs. 1,00,000/- p.a.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	45.09%	45.09%	International

ICICI Bank Preferred Silver Credit Cards

Double reward Point on every Rs. 200- spent on hotel stays,airline ticketing and dining
2.5% fuel-surcharge waiver on fuel spends at select HPCL outlets in the country.
Delicious dining treats
Fabulous shopping deals
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	45.09%	45.09%	International

ICICI Bank Preferred Gold Credit Cards

Double reward Point on every Rs. 200 spent on hotel stays,airline ticketing and dining
Fuel surcharge waiver on fuel spends at select HPCL outlets in the country.
Delicious dining treats
Fabulous shopping deals
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at only some outlets	45.09%	45.09%	International

ICICI Bank Platinum Premiere Credit Card

Reward point on every Rs 100 spend
Credit Limit: Will be notified at time of card issue.
Cash Advance Limit: Will be notified at time of card issue.
Eligibility Conditions: Contact Card Issuer For Details.

Annual Fee	Joining Fee	Add-on Card Fee	Fuel Surcharge	Credit Advance APR	Cash Advance APR	Acceptance
No Fee	No Fee	No Fee	Waived at all outlets