They say women don’t need a reason to shop. They shop on holidays, they shop during end-of-season sales, they shop for special occasions, they shop because their neighbour went shopping and they even shop when there is nothing else to do. They would fight tooth and nail to bargain for the item of their choice. Surely, they love to shop and so women are categorically termed as savvy shoppers.
Today women march shoulder to shoulder with men in almost all walks of life. They are getting the same level of education, doing the same type of jobs and earning comparable packages. So why shouldn’t they hold their own credit cards?
Gone are the days when women were shackled within societal barriers. Modern women are independent, well informed and can manage their personal finances like an ace. They want to lead their lives their way. Credit cards in their own name give them the freedom to spend as per their whims and fancies. Realising this panoramic shift in ideologies, card companies decided to launch women oriented credit cards. So while one is looking for the best credit card, here is a list of some such cards that have topped the charts over the years. Not only will these cards help women realizing their needs but will also help in building and managing their CIBIL score.
SBI’s Simply Save Credit Card
This card comes with magnanimous reward point scheme, giving a chance to the card owner to earn upto 10 times reward points on Dining, Grocery and Movie spends. All things women love. It also provides fuel surcharge waiver allowing the card holder to freely use it at petrol pumps. This makes it ideal for women who drive their own vehicles.
If the card holder is able to spend more than 1,00,000 in a single year then SBI would even reverse the annual charges on the card. Practically speaking, it could spell into being a free credit card
HDFC Bank’s Premium Women Credit Card – Solitaire
It is said that the word “sale” is enough to calm and excite a woman at the same time. Women specifically enjoy discounts on brand shopping, beauty, health & wellness, home services etc. Nothing can add to their joy than a cash back card.
This card is replete with discount vouchers, cashback benefits, fuel surcharge waiver, travel benefits and extra rewards for spending on dining and grocery shopping.
SBI’s SimplyClick Credit Card
This card is most in tandem with current trends that is online shopping. It provides the customers with 10 times reward points for shopping with its online portal partners. On other websites, customers earn 5 times reward points.
Once again, this card also provides fuel surcharge waiver, instant cash back on online travel booking through its trading partner Cleartrip Mobile App, entertainment benefits for booking through BookMyShow, e-vouchers for online shopping etc. It is the card which is most in step with latest demands of a customer.
Citibank’s Cashback Card
Women love to shop and then tell the world about what they shopped for. Combining benefits on both their loves, this card offers a straight away cashback of 5% on movie spends, phone bill and other utility bill payments. With an annual fee of only Rs. 500/- it is one of the most favoured credit cards.
HDFC Bank MoneyBack Card
Similar to the one listed above, this card is high on cashback. You get more than Rs. 1000/- as reward on activation and transactions through PayZapp. With 2 rewards points for every 150/- spent on merchants outlets and 4 points for online purchases and fuel surcharge waiver, it is one of the most sought after cards.
Some more similar cards are FBB SBI StyleUp Card, Snapdeal HDFC Bank credit card, Yatra SBI card etc. These cards provide attractive discounts and reward schemes that help card owners save money while they transact using that particular card. A woman can pick and choose from any of these cards based on her individual needs.
Any salaried individual with income ranging between Rs. 25,000 to Rs. 50,000 per month can be eligible for these cards. Ofcourse, one cannot forget one of the most important determinants of eligibility is the CIBIL score. Only a person with a favourable CIBIL score can boast to own these prized credit cards. You can apply for credit card online to get one today.
Being a woman you sacrifice a lot for the benefit of those around you. A credit card is just a small token of appreciation for you. More power to you, girl!
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