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Best Credit Cards in India for People with Annual Income 1 Best Credit Cards for People with Income Below ₹5 Lakhs

  • 1.1 SimplySAVE SBI Card
  • 1.2 HDFC Platinum Times Card
  • 1.3 SimplyCLICK SBI Card
  • 2 Best Credit Cards for People with Income of ₹5-10 Lakhs
    • 2.1 American Express Platinum Travel Credit Card
    • 2.2 Jet Airways American Express Platinum Credit Card
    • 2.3 JetPrivilege HDFC Bank World Credit Card
  • 3 Best Credit Cards for People with Income of ₹10-20 Lakhs
    • 3.1 HDFC Diners Club Black Credit Card
    • 3.2 Standard Chartered Emirates World Credit Card
    • 3.3 SBI Card PRIME
      • 3.3.1 People Also Look For
  • Best Credit Cards for People with Income Below ₹5 Lakhs

    Here’s a list of those cards.

    SimplySAVE SBI Card

    The card comes with the following benefits.

    • Earn 2000 bonus reward points on spending ₹2,000 or more in the first 60 days
    • Accumulate 10 reward points on every ₹100 spent on movies, dining, groceries and departmental stores
    • Earn 1 reward point on all other spends
    • Get a fuel surcharge waiver on refilling vehicles for transactions worth between ₹500 and ₹3,000 at petrol pumps in India
    • Get your annual membership fee reversed on spending ₹90,000 or more in a year
    • Reward points earned can be redeemed to pay the outstanding credit card balance and buy a wide range of gifts
    • Global acceptance with more than 24 million outlets, including 3,25,000 in India, all ready to let you swipe with comfort.
    • Pay all your electricity, mobile, telephone and other utility bills via Easy Bill Pay facility


    Annual Fee – ₹499

    Renewal Fee – ₹499

    Why Would People with Below ₹5 Lakh Income Like This Card?

    • 2,000 Bonus reward points on spending ₹2,000 or more within the first 60 days
    • Annual membership fee reversal on spending ₹90,000 in a year
    • Reward redemption against the payment of outstanding dues and gifts

    HDFC Platinum Times Card

    The card has the following benefits.

    • Every ₹150 spend on the card to earn you 3 reward points
    • Earn 10 reward points per 150 spent on dining during weekdays from Monday to Friday
    • Get discounts worth ₹1,800 or more in a year on booking movie tickets
    • The yearly discounts on dining total to ₹9,600 or more
    • Savings on fuel transactions likely to be ₹1,500


    Annual Fee – ₹1,000

    Renewal Fee – ₹1,000

    Why Would People with Below ₹5 Lakh Income Like This Card?

    • Dining discounts total to a minimum of ₹9,600 in a year
    • Movie discounts total to a minimum of ₹1,800 in a year
    • Savings of up to ₹1,500 on fuel transactions

    SimplyCLICK SBI Card

    Tune in to the following benefits of the card.

    • Get an Amazon gift card worth ₹500 on joining
    • Earn 10X reward points on online spends with exclusive partners – BookMyShow/Foodpanda/Amazon/Cleartrip/UrbanClap/Lenskart
    • Get 5X reward points on all other online spends
    • Earn e-voucher worth ₹2,000 on spending ₹1 lakh in a year
    • No fuel surcharge on filling your vehicle tank with ₹500-3,000


    Annual Fee – ₹499

    Renewal Fee – ₹499

    Why Would People with Below ₹5 Lakh Income Like This Card?

    • Amazon gift card
    • Accelerated reward points on shopping with online brands
    • E-voucher on spending ₹1 lakh a year
    • Lower fees

    Best Credit Cards for People with Income of ₹5-10 Lakhs

    Check out the credit cards best suited for people with an annual earning of ₹5-10 lakhs.

    American Express Platinum Travel Credit Card

    One of the best travel credit cards of today, American Express Platinum Travel Credit Card brings with itself the following attractions.

    • Get 5,000 milestone bonus membership reward points as a welcome gift. The points are redeemable against travel vouchers worth ₹4,000.
    • Grab travel vouchers worth over ₹7,700 on spending ₹1.90 lakh in a year
    • Get additional travel vouchers up to ₹11,800 by spending ₹4 lakhs in a year. Also, get a voucher worth ₹10,000 from the Taj Hotels, Resorts and Palaces.
    • Enjoy travel booking benefits with
    • Get up to 20% discount on dining at select premium restaurants courtesy American Express Selects Dining Program
    • Complimentary Priority Pass membership


    Joining Fee – ₹3,500

    Annual Fee – ₹5,000

    Why Would People of ₹5-10 Lakh Income Group Like This Card?

    • Firstly, it gets offered to those with a minimum annual income of ₹6 lakhs. A few from the group may not get the approval but a majority would.
    • Travel vouchers on spending ₹1.90 lakh and ₹4 lakhs in a year
    • Discounts on dining at premium restaurants

    Jet Airways American Express Platinum Credit Card

    Another product that draws parallel to the one described just above, Jet Airways American Express Platinum Credit Card has the following benefits to make you a fan of it.

    • Earn 10,000 bonus JPMiles on the first charge of the card and get a complimentary Jet Airways domestic ticket with a base fare waiver
    • Accumulate 5,000 bonus JPMiles and get the base fare waived on Jet Airways domestic ticket on every renewal
    • Earn 8 JPMiles on spending every ₹150. The offer, however, won’t apply to spends made on fuel, utilities, insurance and cash transactions
    • Get 16 JPMiles on spending every ₹150 on booking revenue tickets on Jet Airways’ website
    • Get 5% discount on base fare on booking revenue ticket at Jet Airways’ website
    • Enjoy up to 20% discount on dining at select premium restaurants, helping you taste more of the delicious cuisines on offer
    • Get up to 20 bonus JPMiles per every 100 spent by signing in to Extra JPMiles Program

      Dedicated check-in excess baggage waiver of 5kg on Jet Airways flights within India

    • Round-the-clock concierge service
    • Enjoy complimentary Priority Pass membership


    Annual Fee – ₹5,000

    Renewal Fee – ₹10,000

    Why Would People of ₹5-10 Lakh Income Group Like This Card?

    • 10,000 bonus JPMiles on joining
    • 5,000 bonus JPMiles on renewal
    • Base fare waiver on Jet Airways domestic ticket both on joining and renewal
    • 24×7 concierge service

    JetPrivilege HDFC Bank World Credit Card

    Catch the benefits of the card below.

    • Get up to 7,500 bonus JPMiles and a waiver of base fare (one way) of Jet Airways ticket as a welcome gift
    • On every ₹2 lakh spent, get 1 JP Tier Point for faster tier upgrades
    • Get lounge access at airports in India or overseas
    • A spend of ₹3 lakhs in 12 months prior to renewal would waive off the renewal fee
    • Enjoy dedicated check-in and additional baggage allowance
    • Complimentary lounge access at domestic and international airports


    Annual Fee – ₹2,500

    Renewal Fee – ₹2,500

    Why Would People of ₹5-10 Lakh Income Group Like This Card?

    • 7,500 bonus JPMiles
    • One-way base fare waiver of Jet Airways
    • Renewal fee waiver on crossing milestone spends
    • Extended validity of JPMiles for 5 years
    • Scope for faster tier upgrades

    Best Credit Cards for People with Income of ₹10-20 Lakhs

    The best credit cards for people with an annual income of ₹10-20 lakhs are illustrated below.

    HDFC Diners Club Black Credit Card

    Specifically designed for premium credit cardholders, Sloto cash casino codes the card gives a reason to smile by offering the following benefits.

    • Welcome and renewal benefit of 10,000 reward points and 5,000 reward points
    • Reward points redeemable against booking flights or hotels from more than 150 options. 1 reward point equals to ₹1.
    • Reward points can be redeemed against air miles at Jet Airways, British Airways Executive Club, Singapore Airlines, Club Vistara or Trident Hotels
    • Earn 10X reward points on international spends
    • Unlimited access to more than 700 airport lounges around the world
    • Assistance for golf course referral and reservation
    • Assistance for delivery of gifts and flowers
    • Support for hotel referral and reservation
    • Car rental and Limousine referral and reservation support
    • Assistance for courier services
    • Business services
    • 6 complimentary golf games with a green fee waiver per quarter across 20 golf courses in India and 40 around the world
    • Air accident cover worth ₹2 crore
    • Credit liability cover of up to ₹9 lakhs
    • Medical emergency cover worth up to ₹50 lakhs
    • Travel insurance cover worth up to ₹55,000 on delay or loss of baggage


    First Year Membership Fee – ₹10,000 + Applicable Taxes

    Renewal Membership Fee – ₹5,000 + Applicable Taxes

    Why Would People of ₹10-20 Lakh Income Group Like This Card?

    • People with around ₹20 lakh income in a year are the ones eligible for the card
    • Welcome & renewal benefit of 10,000 and 5,000 reward points
    • Renewal fee waiver on annual spends of ₹5 lakhs in a year
    • Reward point redemption for air miles at leading domestic and international airways
    • Unlimited lounge access at 700 airports
    • 10X reward points on international spends
    • Concierge services as gift delivery, car rental and others
    • Access to golf games with a green waiver
    • Insurance cover for travel, medical emergency, air accident
    • Credit liability cover
    • Lower interest rate of 1.99% on revolving credit

    Standard Chartered Emirates World Credit Card

    One that gives you the luxury to spend your heart out on your travel, Emirates World Credit Card strikes a right chord with the customers by rewarding them for each transaction they make besides offering several other benefits that you can see below.

    • Earn miles on every transaction
    • Get 4,000 bonus miles
    • Accumulate 6 skyward miles for spending every ₹150 on Emirates transactions
    • 3 skyward miles on every ₹150 spent on other transactions
    • Skyward miles redeemable on Emirates, Qantas, Jet Airways, Jetstar, JetBlue, easyJet, Alaska Airlines and others
    • Earn 5% cashback on duty-free shopping, subject to a maximum of ₹1,000 per month
    • Complimentary lounge access to more than 25 domestic airports through Mastercard lounge program
    • 2 complimentary access to domestic and international priority pass lounges on spending ₹10,000 in a month
    • 3 complimentary golf games in a year, one free golf lesson a month and get 50% discount on all games
    • Air accident cover of ₹1 Crore. The cover also includes baggage loss and flight delay


    Annual Fee – ₹3,000

    Renewal Fee – ₹3,000

    Why Would People with ₹10-20 Lakh Income Group Like This Card?

    • 4,000 bonus miles
    • Skyward miles on travel and other transactions
    • Redemption of miles at Emirates and several other leading airlines
    • Complimentary golf games, golf lessons
    • Airport lounge access
    • Air accidental cover

    SBI Card PRIME

    One of the most popular cards in the credit card space, SBI Card PRIME has struck a right chord with the premium credit cardholders owing to the following benefits.

    • Grab a Pizza Hut e-voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter
    • On spending 5 lakhs in a year, an e-gift voucher worth 7,000 from Pantaloons or
    • Welcome e-gift voucher worth ₹3,000 from any of these brands – Marks and Spencer, Shoppers Stop,, Pantaloons, Hush Puppies and Bata
    • Exclusive benefits at 900 luxury hotels globally
    • Access to golf games with 50% discount at select golf courses in India
    • Enjoy complimentary visits to domestic airport lounges in India with a maximum of 2 visits in a quarter
    • 4 complimentary visits to international airport lounges allowed, with a maximum of 2 visits in a quarter
    • Grab 1 complimentary lounge access voucher and an upgrade voucher
    • 9 Club Vistara points to be credited on spending every ₹100 on Vistara flights
    • Sign in to Trident Privilege Red Tier Membership and get 1,000 welcome points on registration. Earn 1,500 bonus points on your first stay and additional ₹1,000 hotel credit on extended night stay. You need to type Promo Code SBITH to get the benefits


    Annual Fee – ₹2,999

    Renewal Fee – ₹2,999

    Why Would People of ₹10-20 Lakh Income Group Like This Card?

    FreeSpins in Cryptocurrency Casinos in 2021

    Gambling websites with cryptocurrency games are quite resourceful when it comes to inventing new ways of attracting users. They offer large-scale promotions, trips to various corners of the world, compelling tournaments, and, of course, free sign up bonuses.

    The latter lure is advantageous for both crypto casinos and players alike. The registration of a new account rarely takes more than 2 minutes, or even seconds in some particular cases. Free spins for slots are probably the most common incentive for the time spent on signing up.

    But it is not the only way to get freespins. They are often offered as part of a certain bonus package, or on their own:

    • No deposit bonus for registration

    • Welcome bonus for deposit(s)

    • Tournament bonus

    • Loyalty program bonus

    • Exclusive provider promotions

    • Unique bonus offers

    As you can see, there are quite a lot of ways to get free spins in a Bitcoin casino. Since cryptocurrencies are not really leaving the public eye lately, it makes sense to expect further development of such bonuses. It is likely that new gambling websites accepting Bitcoin, Ethereum, Dogecoin, Litecoin, Tether and whatever other altcoins, will be popping up on the Internet. And it will surely bring about new bonus offers, including free spins.

    Best crypto casinos with freespins

    BitStarz Casino Casino

    True Flip Casino

    No deposit freespins for signing up

    Although earlier it was common to attract new gamblers with large deposit bonuses, quick-witted managers add no deposit bonuses to the websites these days. 50 free spins as a no deposit bonus is getting more common as numerous crypto casinos use this feature.

    And it pays off handsomely. From time to time, there is a new surge of news articles covering cryptocurrencies. People are intrigued, so some start buying up top-of-the-line GPUs for Bitcoin mining while others look for free crypto games.

    In the latter case, casino free spins come in handy. Gamblers get an opportunity to play slots without depositing any cryptocurrency on their accounts. If they find such pastime appealing, they will likely make their first deposits in bitcoins or other digital currency sooner or later.

    This situation is a win-win for both parties. A crypto casino gains a new user that will probably make bets with real money in slot games in due course. The user, in turn, is able to check out cryptocurrency games with no risk at all, having a chance to win a decent bonus money at that.

    It is important for websites with Bitcoin games to make everything as user-friendly as possible. Here’s what you need to do in order to get no deposit free spins in a crypto casino:

    1. Find a cryptocurrency casino that offers no deposit freespins

    2. Find out what are the terms of getting free spins (as a rule, you only have to sign up)

    3. Look out for a ‘Get no deposit bonus’ checkbox (or something like that) during the registration and tick off, if any

    4. As an alternative, click on your account (‘personal cabinet’, etc.) and see if there is a button to activate no deposit free spins, or a field to enter a promo code

    5. Make sure that free spins have been credited and find out exactly in which slot game you can use them

    Should you have any issues during the process, it would be reasonable to contact the support team of that Bitcoin casino. On many modern websites, it is enough to open a chat box by pressing the speech bubble or headphones button. Besides, you can look for a tech support or contacts webpage.

    Sometimes Bitcoin casinos offer exclusive free spins for those who have a bonus code. More often than not it is a part of some promo campaign. A promo code for free spins can be found on information websites, ad banners, or the casinos themselves.

    Such promo codes for freespins are usually entered during the registration or in one of the account tabs on the website after signing up. Remember that these codes are often active for a limited time period and they can expire.

    Here are some popular crypto websites where you can get no deposit free spins:

    • (20 free spins)

    • (25 free spins)

    No deposit free spins are particularly valuable because they help gamblers feel more confident at cryptocurrency casinos. We are talking about the kind of gamblers that do not really trust the idea of digital currency or simply do not know much about them.

    In this case, slots with freespins make it possible to make certain that everything works as it should. Furthermore, some crypto casinos provide an opportunity to learn about the benefits of Bitcoin gambling from the very beginning. Provided there are any provably fair games on the website, a user can play a game for free and verify the outcomes at once.

    But what about money that is won using no deposit free spins? If that were so easy, players would just sign up at multiple websites and get bitcoins for free. Are there any restrictions on such winnings?

    Of course, there are. But we will talk about them later. Let’s first tackle the kind of free spins that come with cryptocurrency deposits.

    – Free spins for deposits

    Bonus money is not the only thing you can get as a welcome bonus. Every other Bitcoin casino include freespins in their welcome package. While the number of no deposit free spins is rarely larger than a few dozens, gamblers can gate 100, 200, 300 and even more FS in this case.

    You should not expect everything at once, though. Deposit freespins are often credited in multiple installments within a certain period. For instance, 200 bonus spins can be split into ten installments, and the casino will be giving 20 FS daily within a 10-day period.

    Some websites with crypto games offer VIP deposit bonuses for large amounts of money. In a case like that, the number of free spins can be increased and seven bitcoin slot grill they will be credited instantly.

    There are several things you should know about how these spins are credited. Similarly to no deposit free spins, you need to know whether there is anything else that player should do in order to get this bonus. It might be something like activation through personal cabinet, entering a promo code, or whatever else.

    Since cryptocurrency casinos are interested in gamblers making deposits more frequently, the first deposit is not the only top-up that bonus free spins are granted for. For instance, a user can get spins for each of the first three or four deposits as part of the welcome package.

    – Free spins in casino games

    In fact, freespins are an integral part of many slot games regardless of casino bonuses. You cannot, however, get them for things like registration of email verification. Such sort of free spins is given strictly according to the algorithm designed by the developers of that specific game.

    This type of free spins is usually linked to a combination of scatters which are special symbols that appear on the reels from time to time. For example, if you hit three scatters in a game at once, you will get 5 free spins.

    These spins are also different because they do not fall under any wagering requirements, except when a player initially makes a bet using bonus money. It means that if you win money as the result of such spin, the winnings should go directly to your real-money balance.

    Usually, casinos do not allow to ‘combine’ freespins, which means using the previously gifted spins in slots that already have the free spin feature at the program level.

    – Can you win real money using free spins?

    Free spins always provide a gambler with an opportunity to win real money. But the emphasis is placed on the word ‘opportunity’ because it is not as easy as it may seem. It applies to the spins that are credited as part of a certain bonus.

    In most cases, cryptocurrency casinos set wagering requirements for the money that is won using bonuses. These requirements are a multiplier, for instance, x35. It means that a player would have to wager such amount of money that is at least 35 times bigger than the amount of bonus in order to withdraw that bonus money.

    Let’s imagine that there are 10 mBTC on a user’s bonus balance. If the wagering requirement is x35, these 10 mBTC will be transferred to the real-money balance only if the user has already spent 350 mBTC (or more) on bets in this crypto casino (regardless of their outcomes).

    It is quite common that there are limits for possible winnings when using free spins. It applies to both deposit and no deposit bonuses. But it is not the case with the free spins found in-game.

    The exceptions are freespins with no wagering requirements, also known as cash spins. This type of bonuses is very rare. It is usually given out as a loyalty reward or as a tournament prize. In this case, everything is much easier as the winnings immediately get to the real-money balance.

    This way, gamblers can really win real money by using free spins. But if the bonus money has been won without a deposit, the gambler will have to top up the balance and make some bets in order to be able to withdraw it.

    But if you would be lucky enough to find free spins without wagering requirements or other pitfalls, you can safely try to win real money with their help. It is a half-decent chance to get some crypto, given that the Bitcoin casino allows you to withdraw not that large amounts of money.

    – How to get the most out of free spins

    Experience suggests that free spins on good terms are more likely to be found in younger casinos. These websites have to do it in order to attract players in the face of competition with more seasoned platforms. That is why it is reasonable to keep an eye out for the bonuses of recently opened casinos.

    No matter how exactly they get free spins, experienced gamblers have to be aware that these spins are not equivalent to easy money. Casinos never fling money about, even if this money is virtual. That said, free spins do make it possible to spice up your gambling pastime.

    The most important advice is to read terms and conditions. It is kind of obvious, but you would be surprised how minuscule the percentage of players who actually read them is. Crypto platforms have to show their hand, lest their reputation — or even license — gets hurt.

    These terms are usually found as one of the paragraphs on the Terms & Conditions page, or in some popup next to the bonus description. Besides, some websites earmark a separate webpage specifically for bonus terms and conditions.

    Keeping in mind the wagering requirements, you can figure out how much cryptocurrency you would need to deposit, and calculate how much time you would need in order to get the bonus money to your real-money balance. It is important because both freespins and the money you win using the bonus often are time-limited. If they expire, it may be very disappointing. That is why you need to know about any possible time frames and wagering requirements.

    One characteristic feature of no deposit free spins is the restriction of maximum bet amount. It might be the smallest possible bet that can be accepted in either the crypto casino or a certain casino game. It is better to check this information in the bonus conditions as well.

    But it is probably even more important to instill a proper attitude to casino games and free spins. If you have a feeling of annoyance and desire to win the next game by all means instead of feeling relaxed and entertained, it is an obvious red flag. Seasoned gamblers play games without emotions and do not try to earn money on gambling because it almost inevitably leads to disappointment and frustration.

    If you, however, stay calm and have a clear understanding of the terms and conditions for slot games with free spins, Bitcoin gambling will be much more enjoyable. And it will feel even better if another free spin lands a big win.

    – Where to find free online games to win cryptocurrency

    When a crypto casino offers no deposit freespins for the registration, it allows users to gamble with bitcoins at no cost. In that case, you can really call such gambling as ‘free’. And gamblers still have a chance to turn the bonus amount into real money at that.

    This way, you can find and play cryptocurrency games with no deposit on any platform that offers no deposit spins. You will find our list of such websites above, as well as the amount of spins that those resources offer for new users.

    If you are more interested in no deposit free spins at a mobile casino, there is nothing to worry about. Almost every modern crypto website has an adequate version for smartphones and tablets.

    Most platforms offer a demo mode for Bitcoin games where you do not have to make a deposit. But in this case, a user is going to play with a free ‘fun’ currency that has little to no value. Obviously, gratuitous crypto is out of the question.

    Occasionally, you can find a crypto casino with cryptocurrency faucets or crypto giveaways in social media. In that case, a gambler will have an opportunity to scrape up a certain amount for free and try to win something while using it.

    In general, no deposit freespins offer a fairly fun way to pass the time playing casino games without putting your own money at stake. But you should not pin your hopes on it as a shortcut to wealth! After all, their purpose is to attract new players instead of bringing the casino to ruin.

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