Credit Cards India: ICICI Citibank HDFC SBI Credit Card Comparators

Credit Card Comparators

Here is an easy credit card comparator. The table enumerates all the important parameters of all the basic credit cards offered by the major banks. This table will help you compare disparate features such as interest rate on revolving credit, over-limit charges, cash withdrawal fee, and so on.You can also apply for the credit card by filling up the form on the right.

Silver Credit Card Gold Credit Card

Data as on: December 20, 2007

HDFC Bank		ICICI Bank	SBI	HSBC	Citibank
Card Name	Silver card	Sterling Silver	Silver	Classic	Silver
Network	Master	Visa/Master	Visa card	Visa/Master	Master
Joining Fee (in rupees)	300	NIL	NIL	NIL	Free
Annual fee(in rupees)	700	NA	Free for life	700	350
Add On Card - Issue Fee	Free	Free	NIL	Rs 350	Free
Interest Rate -on revolving Credit	41.75%	45.09% - 19.42%	44.25%	44.25%	45.75%
Interest Rate -on Cash Withdrawal	41.75%	45.09% - 19.42%	44.25%	44.25%	45.75%
Interest Rate - on Balance Transfer	1.5% of BT amount or (Rs 150/-) whichever is higher	9% p.a for 6 months and 17.88% thereafter	NA	0% interest rates for 3 month	NA
Reward points	Earn 2 reward points per Rs 150 spent on the Silver Credit Card	NA	NA	1 point for Rs 100 spend	You earn 1 Rewards Point for every Rs. 200 spent
Surcharge on Fuel	2.5% (subject to a min of Rs 10)	2.5% or Rs.10. Upto Rs.3000/- for HPCl pumps on 0% rate	0% on Rs.400-3000, 2.5% or Rs.10 whichever is higher on >3000 and <400	0%	2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs
Cash Withdrawal Fee	2.5% (Min. Rs. 300)of the cash amount	2.50% on advanced amount, subject to a minimum of Rs. 300	NA	2.5% of the transaction amount (subject to a minimum of Rs 250)	2.5% (subject to a minimum of Rs. 250 and US $5 at International ATMs)
Late Payment Fee	Rs 350 for credit card bills upto Rs 10000, Rs 500 for credit card bills between Rs 10000 and Rs 20000, Rs 600 for credit card bills above Rs 20000	30% of minimum amount outstanding (subject to min. of Rs. 350 and max. of Rs. 600)	30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600)	30% of the minimum amount ( subject to minimum of Rs 400 and a maximum of Rs 600 per month )	Rs 300 for bills upto Rs 10000, Rs 600 for bills upto Rs 10001-25000, Rs 700 for bills above Rs 25000
Overlimit Charges	2.5% of overlimit amount subject to a minimum of Rs 500	2.5% on over limit amount (subject to a min. of Rs. 500)	2.5% of overlimit amount or Rs. 500 whichever is higher	Rs 500 per month	2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)
Maximum Credit Free Period	Upto 50 days	Min : 20 days, Max : 50 days	Upto 50 days	upto 52 days	NA

Service Tax @ 12.36% applicable to all interest rates and charges

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	HDFC	Standard Chartered	Amex	SBI	ICICI	Citibank
Joining Fee	Rs. 500	Rs. 1,000	Free	Rs. 300	Free	Free
Annual Fee	Rs. 2,000	Rs. 2,000	Rs. 2,000	Rs. 1,500	Life Time Free	Rs. 2,000
Add On Card	Free for Life	Fee for each add on card: Rs. 2,000 (no entrance)	Rs. 1,000 for each+ Service tax	Rs. 500 (annual fee).	Life Time Free	5 add on cards maximum- Rs. 1,000 each add on card.
Minimum Payment	5% of the total outstanding or a minimum of Rs. 200.	5% of the total outstanding.	5% of the total outstanding	5% of outstanding balance or Rs. 200, whichever is higher.	5% of the total outstanding.	Based on a format *(2)
Cash Withdrawal Fee	2.5%	Rs. 250 (minimum) for each withdrawal.	3.5% maximum or Rs.250, which ever is higher	Interest from day 1, 2.5 %of total withdrawn or Rs.250 from SBI ATM.	2.5% on advanced amount, subject to a minimum of Rs. 300.	2.5% on advanced amount (subject to a minimum of Rs.250 and US$5 at International ATMs)
Cash Withdrawal interest	2.95%	2.95%	2.79% from day 1 on a daily basis	Up to 2.99% per month from the transaction date.)	Nil for ICICI Bank ATM withdrawals. 2.5%, subject to a minimum of Rs. 300.	2.5% (subject to a minimum of Rs.250 and US$5 at international ATMs).
Maximum Interest Free Period	50 days from the date of purchase.	From the statement period, 22 days.	51 days	Up to 50 Days	52 days	Information not available.
Roll over interest rate	HDFC account holder, interest charged is 2.85% on the total outstanding. Otherwise, the interest is 2.95% on the total outstanding.	Standard Charted Bank, no interest charged for 3 months, 2.95% thereafter. If not account holder, interest charged from the 1st month at 0.99%.	2.79% daily.(Monthly rate applicable on daily basis)	Up to 2.95%	Lifetime Balance Transfer offer: ( 0.75% for first 6 months (9% p.a.), followed by 1.49% (17.88% p.a.)	1. Boardarding Rate: i.e. in the first 6 months of Card issuance is fixed at 3.1%.(monthly) or 37.2% (annual). Post which it may vary based on vintage, overall Credit performance, defaults, in addition to other indicators of usage and performance. 2. The maximum interest rate, in the event of default, is 3.5% ( monthly) or 42% (annually)

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