Credit Cards for Women – Know Features & Benefits to Apply Online

The popularity of credit cards as a financial tool for short term debt is growing across different age groups and populations segments. Realising the growing popularity of credit cards, financial institutions have started offering a diverse range of credit cards that can cater to different audience segments. These cards are packed with different features and benefits, depending on the customer segment. A business credit card might have features that are lucrative for business owners. Similarly, a student credit card is designed keeping the needs of students in mind. There are plenty of credit card benefits for the female customer segment as well. Organisations have also created exclusive credit cards for women to help them meet their financial obligations with ease. 

What are Credit Cards for Women?

Over the last 2 decades, financial institutions have gone through a great evolution. They have started focusing on delivering a good customer experience. This has led them to create a wide range of financial products that can cater to different customer bases. Credit cards for women are one such development that has bridged the gap between women and financial tools. It has been designed to help women leverage the features of a credit card to their advantage. The deals and offers available on these cards are curated keeping the spending habits of the female population in mind. Let’s dig deeper to learn more about the features of the best credit cards for women.

Features of Credit Cards for Women

Different credit card company offers varied features in their credit cards designed for women. Here are some of the best credit cards for women with the features and benefits they offer. 

  • HDFC Solitaire Credit Card

The first on this list is the HDFC Solitaire credit card for women. It offers a special reward point deal that allows women to earn 3 reward points on every INR 150 spent using the card. One can easily avail of a wellness package as a welcome benefit in the first year. You can earn 1000 reward points as a renewal benefit in the second year. The Accelerated Reward Points feature allows women to earn an additional 50% reward points on their grocery expenses and dining bills.

It also offers a special shopping voucher of INR 1000 from Shoppers Stop. People can also choose to redeem their accumulated reward points at different domestic airlines. Using this credit card at gas stations can also help you avail of fuel surcharge waivers. The annual fee on the HDFC Solitaire card is also very nominal (INR 999), considering the benefits it is providing.  

  • Kotak Silk Inspire Credit Card

The Kotak Silk Inspire credit card has been specially designed for Indian women. The motive behind introducing this exemplary credit card is to make women financially independent. A large percentage of the women population in India is not officially employed. This card doesn’t demand any income proof from women and is sanctioned against fixed deposits. Users can earn up to 5x reward points on every INR 100 spent on clothing. This is a real deal for women who spend a considerable amount on clothing and related accessories. 

For other categories, this card offers 1 reward point for every INR 200 spent. Using the Kotak Silk Inspired credit card at any fuel station in India can help you earn a fuel waiver of 2.5%. It also has a very lucrative deal for movie buffs. Users are provided with 8 free PVR cinema tickets each year. The best thing about this card is its insurance cover for fraudulent transactions. Users are eligible for up to INR 75,000 cover against any fraudulent activity on credit cards. 

  • Standard Chartered Landmark Rewards Platinum Credit Card

The Standard Chartered Landmark Rewards Platinum credit card is known for offering up to 9x reward points to users for shopping at partner outlets. This includes popular outlets like Max, HomeCenter, Lifestyle, etc. One can also avail of a 5% cash back at the time of sale previews at HomeCenter and Lifestyle shops. Users can also earn discount coupons of up to INR 2800 using this rewards card. The best thing about this card is that it allows you to redeem your accumulated reward points at INR 0.60 per reward point across affiliated shopping outlets. It is also widely accepted overseas for all kinds of purchases. One can also choose to opt for a balance transfer from another card to this one at a very nominal interest fee. 

  • Citibank Rewards Credit Card

The Citibank Rewards Credit Card is unmatched in terms of reward points that users can earn on their spending. It allows you to earn up to 10x reward points across different departmental and apparel stores. It also offers unlimited reward points at selected partner shopping outlets. Normally, this card offers 1 reward point for every INR 125 spent using the credit card. A 1500 reward point is offered to new customers. Another 1000 bonus reward point is added to the account for spending INR 1000 in the first 60 days. The best credit card benefit offered by the Citibank Rewards card is that the points earned never expire and can be redeemed whenever you like!

Pooja Saxena