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Tata Capital > Blog > Generic > Best Credit Cards in India for Women in 2023


Best Credit Cards in India for Women in 2023

Best Credit Cards in India for Women in 2023

With increasing job opportunities for women, more and more are entering the workforce. As a result, women now increasingly contribute to families and help with finances. And at times, even securing car loans, education loans, etc. This means that women, too, need support in managing their finances, and fortunately, there are now credit cards designed specifically to assist them.

There are many reasons why women should own a credit card. But there are two most important reasons. Firstly, it gives you peace of mind knowing you have a backup plan during emergencies. Secondly, it helps you build creditworthiness that can help you quickly secure loans and higher credit limits in the future.

But choosing a credit card can be as confusing as choosing between two stunning dresses. Fret not, though. We have compiled a list of top credit cards along with their features and benefits that it has to offer you. This will help you in choosing a credit card that suits your needs.

Best credit cards for women in 2023

#1. SBI Simplyclick Credit Cards

SBI Simplyclick credit cards offer countless benefits, including milestone rewards, e-shopping rewards, etc. You also get a gift card from Amazon worth Rs 500 if you pay the annual fee of Rs 499 only.

But, the great news is that the annual fee gets cancelled if you spend more than Rs 1 lakh in a year. Also, you get exciting offers from BookMyShow, Amazon and other partners, along with ten times the reward points!

#2. HDFC Solitaire Credit Cards

Imagine raking in reward points by just spending a little. Now you can, with this credit card. You can get about three reward points for every spend of Rs 150. You can also get special vouchers, such as the one from Shoppers Stop for Rs 2000 if you spend around two lakhs every six months.

Redeeming this card is exceptionally convenient, as you can use it at numerous locations, including airports. Moreover, this card offers the advantage of fuel surcharge waivers, further expanding the range of benefits available to you. You can access many options by paying an annual fee of Rs 2499, ranging from shopping privileges to saving money on everyday essentials.

#3. Standard Chartered EaseMyTrip Credit Card

If you are a frequent traveller and like to use hotels for your stay, this card might be the perfect fit. If you book hotels or flights using the EaseMyTrip application or website, you can enjoy flat discounts of 20% and 10%, respectively.

You can also get 10x more rewards for every Rs 100 you spend on specific websites. These can include hotels, airline websites or even restaurants or other outlets. So for Rs 350 a year, you get access to all this, plus one-time complimentary access to the domestic lounge and two-time complimentary access to international lounges.

For domestic travel, you get a discount of Rs 125 on buses. So, if you enjoy the scenic route and love travelling by road, this card can help you save money.

#4. Tata Croma Card Select

Do you like getting a welcome gift? Well, who doesn't? From attractive welcome offers to redeemable reward points, the Tata Croma Card Select has it all. You get a welcome gift worth Rs. 3000 from brands like Yatra, Hush Puppies/Bata, Aditya Birla Fashion and more. You also get a beautiful anniversary gift if you spend more than Rs. 2 lakhs in the previous year.

If you shop at Croma, you get a 2% value back on your purchases and up to 5% on other Tata outlets. For grocery and departmental shopping, you get 3x the points on your spending. Moreover, if your annual spending exceeds Rs. 4 lakhs or Rs. 5 lakhs, the card rewards you with special bonus rewards that you can redeem at exclusive stores and popular brands.

#5. Flipkart Axis Bank Credit Card

This card lets you start with a bang as it offers a whopping Rs. 1100 worth of benefits. For shoppers, you get a 5% discount on websites like Flipkart and Myntra and 4% cashback on specific merchants.

If you frequently fly, there is another benefit for you to enjoy. This card offers four complimentary lounge access in a calendar year at specific airports. Additionally, if you frequently travel using your car, then using this card can save on fuel costs as well.

Using this card, you get a 1% fuel surcharge waiver on transactions from Rs 400 – Rs 4000 at petrol stations across the country.

#6. Axis My Zone Credit Card

This is the ultimate entertainment credit card. It offers an incredible 100% discount on your second movie ticket! Furthermore, if you spend a minimum of Rs. 2000, you get a SonyLiv premium, an annual package, and a flat Rs. 600 off with Ajio as well.

If you spend Rs 200, you get 4 EDGE reward points. For fliers, you get one-time complimentary access to the airport lounge. All this is available at an annual fee of Rs.500.

#7. American Express Smartearn Credit Card

If you frequently purchase things online with Flipkart and Amazon and often take Uber rides, then this card is for you. You get 10x membership points for every Rs. 50 spent on these platforms. You also get 5x membership points for every Rs 50 spent on platforms like Paytm Wallet, Swiggy, BookMyShow, PVR, etc.

For other categories, you get one membership point for every Rs 50. At an annual fee of Rs. 495, users also get a Rs. 500 cashback on spending Rs. 10000 in the first 90 days as a welcome gift.

Wrapping Up

The best credit cards for women are those that cater to their specific needs. So, if you are confused about which card to choose, evaluate the different options ranging from benefits to offers to interest rates and fees. By carefully assessing these factors, you can select a credit card that aligns with your requirements and financial needs.

Knowing which credit card to choose can still be challenging, so why not seek professional advice? At Tata Capital, we help you choose credit cards according to your needs. You can also choose from our assortment of credit cards designed for women.

Get in touch with us to know more today.

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