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Low Interest Credit Cards

The most important criteria while choosing a credit card is the interest charged per month by the Credit Card company which can range from 1.9% to 5%, a small difference of 1% can be very big. This column recommends cards charging interest @ 2% p.m. and below.

Axis Bank Insta Easy Credit Card
Axis Bank Insta Easy Credit Card

At Axis Bank's
secure site

Axis Bank Insta Easy Credit Card
  • A Credit Card which can be availed over the counter at any Axis Bank Branch with minimal documentation and guaranteed approval.
  • Eligibity Criteria minimum fixed deposit of Rs 20000/-, Guaranteed Approval, Highest Level of Security, Easy Documentation.
  • Lower Interest Rate of 1.95% p.m., Credit Limit as high/low as you want, Upto 100% Cash Withdrawal, *Free credit period of up to 50 days.
  • Fuel Surcharge Waiver of 2.5% at all Petrol Pumps, Rewards Program, Mobile Alerts, Global Acceptance, Global Emergency Assistance, Revolve Facility, Balance Transfer, Auto Debit Facility, EMI Facility.
Joining Fees Balance Transfers Interest @ Annual Fee Credit Needed
Rs 500/- <=3 Months - 0%,>3 Months - 2.95%
or
<=6 Months - 0.75%,>6 Months -2.95%
1.95% p.m Nil Compulsory Fixed Deposit

Diners Club Black HDFC Bank
Diners Club Black Credit Card

At HDFC Bank
secure site

Diners Club Black Credit Card
  • Revolving credit @ Rs 1.99% p.m. and reduced foreign currency markup fees of 2%, Welcome Benefit of 20000 Air Miles On payment of membership fees.
  • Earn 5 Reward Points for every Rs. 150/- spent, Access unique luxury stay experiences with Small Luxury Hotels of the World, Choice from over 520 intimate and privately owned hotels.
  • Dedicated 24x7 Global Concierge Desk for dining & reservation assistance, All online bookings made for Flights, Hotels, Movies and Events, Flower and gift delivery, Complimentary glass of wine as 'welcome' drink or complimentary dessert on reservation, Personal Chef visit at your table with greetings.
  • Access to 500+ worldwide Airport Lounges under Club Lounge program (including Domestic Lounges and Exclusive lounges at Mumbai and Delhi), Refer directory @www.dinersclub.com.
  • Unlimited Golf Lessons when booked through our dedicated Concierge Desk, Gain access to select Golf Clubs in India as a Green Fee player as per the program.Click here, to check which Golf Courses are currently under the program.
  • Exclusive Offers from Taj Group of Vivanta and Gateway Hotels, exclusive offers on Taj Air Complimentary offers on Taj Safaris.
  • Premium Diners Club Miles Exchange Program @ 1 Reward Point = 1 AirMile on Select Domestic and International Airlines.
  • Insurance cover of Rs 2 Crores on air accident, 50 Lakhs on emergency hospitalisation, Rs 55000/- on baggage loss.
  • Spend Rs. 40,000 within first 90 days from card set up date and get waiver of 1st year membership fee. Spend Rs. 3,00,000 in a year and get waiver of next year's annual membership fee.
Joining Fees Balance Transfers Interest @ Annual Fee Credit Needed
Rs 20000/- 1.99% p.m.
+ 2% one time processing charge
1.99% p.m Rs 20000/-
2nd year onwards
Excellent

HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card

At HDFC Bank
secure site

HDFC Bank Regalia Credit Card
  • Roll over credit at delightfully low interest charge of 1.99% pm.
  • Earn 8 reward points for every Rs 150 spent on this websitewww.HDFCBankRegalia.com - Your One-stop Travel and Entertrainment Portal.
  • Redeem reward points against Regalia Vouchers and use it to buy Airline Tickets, book Hotels, book your favourite movies or recharge your pre-paid mobile phone or DTH service at.
  • Complimentary Priority Pass membership which allows you, 5 free accesses per year and preferential access to 600 airport lounges around the world.
  • Complimentary Taj Epicure Plus Membership entitles you to some of the very exquisite benefits* at Taj Hotels and Resorts.
  • Unparalleled Redeemable Reward Points - For every Rs. 150 that you spend, get: 8 reward points on all purchases at www.HDFCBankRegalia.com 6 reward points on all your dining spends (standalone restaurants, 4 reward points on all other spends.
  • Air Accidental death insurance of Rs 1 Crore, Overseas Emergency Hospitalisation cover of Rs 12 Lakhs.
Joining Fees Balance Transfers Interest @ Annual Fee Credit Needed
Rs 2,499/- 1.99% p.m.
+ 2% one time processing charge.
1.99% p.m Rs 2499/-
2nd year onwards
Excellent

Union Bank Of India Silver Credit Card
Union Bank Of India Silver 		Credit Card

At Union Bank Of India
secure site

--OR--

Call Union Bank Of India at
1800 22 32 22(toll free)

--OR--

022-40426008 (charged)


  • There is no joining fee and annual/renewal charges.
  • Attractive spending limit is 20% of the annual gross salary.
  • Low interest rates and free credit period up to 50 days.
  • Online Bill payment facility through internet banking account.
  • Attractive reward points and redemption program.
  • Surcharge waived for fuel purchases made for Rs.400 – Rs.4000 per billing cycle subjected to minimum purchase of Rs.400 on each occasion.
  • Secured transactions - SMS alerts on all transactions and VbV registration for online transactions.
  • Free Personal Insurance Cover offered to primary as well as add-on card holders for accidental death, Air Accident Rs 4 Lakhs other Accident Rs 2 Lakhs
  • 24-hour hot listing facility and lost card liability restricted to Rs.1,000 from the time of reporting the loss.
  • This card is issued only to Union Bank account holders with satisfactory income levels.
Joining Fees Balance Transfers Interest @ Annual Fee Credit Needed
Nil Not Available 1.90% p.m Nil Income Proof
OR
Against Fixed Deposit

Union Bank Of India Gold Credit Card
Bank Of India Gold Credit Card

At Union Bank Of India
secure site

--OR--

Call Union Bank Of India at
1800 22 32 22(toll free)

--OR--

022-40426008 (charged)

Union Bank Of India Credit Card
  • There is no joining fee and annual/renewal charges.
  • Attractive spending limit is 20% of the annual gross salary.
  • Low interest rates and free credit period up to 50 days.
  • Online Bill payment facility through internet banking account.
  • Attractive reward points and redemption program.
  • Surcharge waived for fuel purchases made for Rs.400 – Rs.4000 per billing cycle subjected to minimum purchase of Rs.400 on each occasion.
  • Secured transactions - SMS alerts on all transactions and VbV registration for online transactions.
  • Free Personal Insurance Cover offered to primary as well as add-on card holders for accidental death, Air Accident Rs 8 Lakhs other Accident Rs 5 Lakhs
  • 24-hour hot listing facility and lost card liability restricted to Rs.1,000 from the time of reporting the loss.
  • This card is issued only to Union Bank account holders with satisfactory income levels.
Joining Fees Balance Transfers Interest @ Annual Fee Credit Needed
Nil Not Available 1.90% p.m Nil Income Proof
OR
Against Fixed Deposit

Indian Overseas Bank Visa International Credit Card
Indian Overseas Bank Visa International Card

At Indian Overseas Bank
Nearest Branch

--OR--

Call Indian Overseas Bank
at
1800 425 77 44(toll free)

Indian Overseas Bank Visa International Credit Card
  • Acceptable by over 1,18,000/- Member establishments in India and over 130 Lakh Outlets Worldwide.
  • Cash withdrawalfacility to meet your emergency requirements from any of over 15000 Visa enabled ATMs in India and over 8.7 lakh ATMs worldwide.
  • Personal Accident Death cover for self Aircrash- Gold Card 10 Lakhs,Classic Card 4 Lakhs for Spouce 2 Lakhs, Rail/Road Accident Death Cover Self 2 Lakhs Spouce 1 Lakh.Baggage Insurance and Purchase Protection Rs 25000/-.
  • Interest on Roll-over facility : 24.0% p.a. (annualised)
  • Cash Advance Fee : Rs.22.50 per Rs.1,000/- or part thereof
  • Cash Advance Interest : 24.0% p.a (annualised) from the date ofcash withdrawal.
  • The Primary Cardholder can apply for upto 4 ‘ADD-ON’ Cards on his/her credit card a/c
  • Periodical enhancement of Credit Limit
Joining Fees Balance Transfers Interest @ Annual Fee Credit Needed
Nil Not Available 2% p.m. Nil Income Proof
and
Bank Account With IOB

Syndicate Bank Global Credit Card
Syndicate Bank Global Credit Card

At Syndicate Bank
secure site

--OR--

Call Syndicate Bank
at
1800 22 5092 (toll free)

-OR-

022- 4042 6003 (Charged)

Syndicate Bank Global Credit Card
  • Very Low finance charge of 2.00% p.m. (24.00% p.a.) calculated on monthly basis on roll-over (revolving credit) facility
  • Cash withdrawal facility (15% for Classic Cards & 25% for Gold Cards) through our Bank’s ATMs at concessional charges.
  • Rewards points of one point for every Rs. 200 spend with the Card.
  • Free Credit period varies from 20 days to 50 days.
  • Revolving Credit facility with Minimum Payment of 10% of Total Payment Due.
  • Free Accident Insurance Cover (against loss of life only) available to all Credit Cardholders stands withdrawn w.e.f. 31.10.2006.
  • Preferably be a customer of our Bank having satisfactory operations in the account with branch for at least 3 months.
  • PRE-APPROVED CARDS for existing customers having relationship with the Bank without insisting for proof of income.
Joining Fees Balance Transfers Interest @ Annual Fee Credit Needed
Nil Not Available 2% p.m. Nil Income Proof