Compare Silver Credit Cards Data as on: Jan 01, 2008
| 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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