• Value for money: This was the most important factor that has been drawn into consideration. The new notes that give restriction gurus caused it to be to the list.
• Cash return: 50 % of a superstar to credit cards delivering cash backs and you will half of a star where program regarding credit isn’t complicated and you will possible for the customers to learn.
• Annual Percentage and you will joining percentage: Half of a celebrity to help you credit cards with no yearly commission and you will half for no signing up for commission. One credit card without the annual commission and you can signing up for commission commonly rating a complete superstar, however, a binding commission of INR five hundred could have been believed comparable to zero yearly payment.
• Access for all money organizations: Half a superstar should your characteristics of your own charge card is actually readily available for the income communities, and another 1 / 2 of if the qualities stretch to numerous geographies and never merely significant urban centers.
• Acceptance presents: Half a superstar getting greeting presents and 1 / 2 of a superstar to possess easy the means to access those people gifts. Right here if for example the intrinsic property value the latest usable provide at the least talks about the fresh annual payment, the credit cards becomes a complete superstar.
• Most masters: Half a star so you can handmade cards delivering most professionals and you may half towards playing cards in which these even more professionals be a little more user-amicable. Like, when the a card also provides a charge waiver so you're able to a user exactly who commonly spend INR 3 lakh in one 12 months, it is unrealistic the cardholders may want to purchase this much in one single 12 months.
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