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A Personal Loan is a form of unsecured loan availed by individuals on the basis of specific criteria, such as level of income, employment history, credit score, and scope for repayment.
The loan is usually taken for the fulfillment of personal needs from a banking institution or a non-banking financial company (NBFC). Borrowers can use online tools available at neutral financial websites, such as the Personal Loan EMI Calculator, to assess the interest payout throughout the tenure before applying for a personal loan.
|
Card Name |
Joining/Annual Fees |
Bonus Rewards |
Net Savings Potential (on annual spends of Rs. 2 lakhs) |
|---|---|---|---|
|
American Express® MakeMyTrip Card |
Joining Fees = Rs. 750 (1stYear) Annual Fees= Rs. 1500 (2ndYear onwards) |
Make My Trip Vouchers worth up to Rs. 7000 on achieving pre-determined annual spends threshold |
Rs. 5570 |
|
Citibank CashBack Card |
Joining Fees = Rs. 0 (1st Year) Annual Fees = Rs. 500 (2ndyear onwards) |
5% Cash back on online utility bill payments, telephone bills and movie tickets. |
Rs. 5600 |
|
HDFC MoneyBack Card |
No Joining/Annual Fees |
2000 bonus reward points on annual card expenditure of Rs. 2.5 lakhs (30% spends made online) |
Rs. 7,224 |
|
ICICI Bank Sapphiro Card |
Joining Fees = Rs. 6000 (1stYear) Annual Fees = Rs. 3500 (2ndyear onwards) |
Free Provogue tie on joining |
Rs. 6,600 |
|
SBI SimplyClick Card |
Joining Fees = Rs. 499 (1stYear) Annual Fees = Rs. 499 (2ndyear onwards) |
Amazon e-Gift voucher worth Rs. 500 as joining rewards. |
Rs. 10,000 |
|
IndusInd Platinum Aura |
Joining Fees = Rs. 899 (1stYear) Annual Fees = Rs. 200 (2ndyear onwards) |
15% dining discount at partner outlets and fuel surcharge waiver of 2.5% |
Rs. 7,597 |
|
RBL Titanium Delight Card |
Joining Fees = Rs. 0 (1st Year) Annual Fees = Rs. 750 (2ndyear onwards) |
Gift vouchers worth Rs. 1000 on yearly spends of Rs. 1.2 lakhs |
Rs. 8,986 |
|
Standard Chartered Landmark Card |
No Joining/Annual Fees |
Gift vouchers worth Rs. 2700 based on attaining eligibility criteria |
Rs. 7,400 |
|
Axis Bank Vistara Credit Card |
Joining Fees = Rs. 1500 (1stYear) Annual Fees = Rs. 1500 (2ndyear onwards) |
1000 Bonus CV points on spending Rs. 50,000 using the card |
Rs. 10,100 |
Be Alert Be Safe - Some fraudsters, imposing as Bank officials are making hoax calls to people and asking for their confidential information such as ATM Card no. /ATM PIN/CVV no. This information is solely used to cheat the customers in the name of ATM card expiry renewal, Loan Offers, data validation, job offers, prize, lottery winning and for other illicit purpose. We advise that We NEVER makes phone calls, sends e-mails/SMS asking customers to disclose their personal or security information such as username, password, one time SMS password(OTP), Card/PIN/CVV no.
Disclaimer* - Information is sourced from respective Banks websites. We don't provide Loans on our own but ensures your information is sent to bank which you have opted for and we do not charge any fee from our customers. Ackomoney has no sales team on its own and we just help you to compare loans. We do not provide any dsa of Banks. All loans are on discretion of the associated Banks