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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