Choosing the right credit card can be a daunting task with so many options available in the market. However, the best credit cards cater to your specific needs, offer great rewards, and come with reasonable fees. As we step into 2024, here are 10 of the best credit cards in India that you should consider.
1. SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card is an excellent choice for online shopping enthusiasts. It offers 10X reward points on online spending with exclusive partners like Amazon, BookMyShow, Cleartrip, and more. If your annual expenses cross ₹1 lakh, the annual fee is reversed, making this card cost-effective.
2. IndusInd Bank Platinum Aura Edge Credit Card
IndusInd Bank Platinum Aura Edge Credit Card is designed for people who often travel and dine out. It offers a suite of benefits that include fuel surcharge waivers, insurance cover, and a reward program where one can earn savings points to spend on departmental stores, electronics, dining, and utility bills. Moreover, cardholders can enjoy complimentary lounge access at airports across India.
3. ICICI Bank Rubyx Credit Card
The ICICI Bank Rubyx Credit Card is a perfect blend of lifestyle and travel benefits. It offers complimentary airport lounge access, golf lessons, dining discounts, and accelerated reward points on overseas spending. It also provides insurance coverage for air accidents, making it a great choice for frequent flyers.
4. Axis Bank Neo Credit Card
The Axis Bank Neo Credit Card is perfect for the budget-conscious user, offering a low annual fee and generous rewards on online shopping, movies, and dining. You also get a 10% discount on Myntra, BookMyShow, and recharges done on Freecharge.
5. Citi Cash Back Credit Card
The Citi Cash Back Credit Card focuses on everyday utility bills and shopping. It offers 5% cashback on movie tickets, telephone bills, and all other spending. This card is a must-have for those looking to maximize their savings on daily spending.
6. American Express Membership Rewards Credit Card
This card is perfect for those who value reward points over everything else. It offers the opportunity to earn one Membership Reward Point for every ₹50 spent except for spend on fuel, insurance, utilities, and cash transactions. Cardholders can also enjoy 4X Membership Rewards Points for every ₹150 spent on supermarkets, telecom, and online shopping.
4. HDFC Millennia Credit Card
This card is ideal for frequent online shoppers as it offers a high cashback rate on Amazon, Flipkart, Myntra, and Tata Cliq, amongst several other platforms. Though it comes with a joining and annual fee, it compensates with many benefits and an annual fee waiver when you spend over a lakh in a year.
5. Standard Chartered EaseMyTrip Credit Card
The Standard Chartered EaseMyTrip Credit Card is a co-branded card that offers notable benefits for regular users of EaseMyTrip. It provides discounts on various travel-related bookings such as hotels, flights, and buses, and additional rewards on standalone travel bookings.
6. RBL Bank BankBazaar SaveMax Credit Card
For those who seek to maximize their savings, the RBL Bank BankBazaar SaveMax Credit Card is an excellent choice. This card offers an impressive cashback scheme, where cardholders can earn up to 2% cashback on all purchases, and up to 10% cashback on dining, groceries, and fuel expenses. The card also provides complimentary airport lounge access and insurance benefits.
9. Yes Bank Prosperity Edge Credit Card
Yes Bank Prosperity Edge Credit Card offers benefits across multiple categories like travel, dining, and wellness. It provides priority access to airport lounges and golf courses, along with exclusive wellness and dining privileges. The card also offers 6 reward points for every ₹100 spent on retail, making it a versatile option.
10. RBL Bank Platinum Maxima Credit Card
The RBL Bank Platinum Maxima Credit Card is for those who love movies and entertainment. It offers two free movie tickets every month and reward points on dining, entertainment, utility bills, fuel, and international purchases. It also offers complimentary access to airport lounges.
Comparison Table with Features, Fees, and Benefits
| Credit Card | Key Features | Annual Fee | Special Benefits |
|---|---|---|---|
| SBI SimplyCLICK Credit Card | 10X reward points on online spending, fee reversal for annual expenses > ₹1 lakh | Reversed for > ₹1 lakh spending | Exclusive partners, cost-effective online shopping |
| IndusInd Bank Platinum Aura Edge Credit Card | Fuel surcharge waivers, insurance cover, reward program, lounge access | Applicable | Travel and dining benefits, airport lounge access |
| ICICI Bank Rubyx Credit Card | Complimentary lounge access, golf lessons, dining discounts, reward points on travel | Applicable | Lifestyle and travel benefits, insurance coverage |
| Axis Bank Neo Credit Card | Low annual fee, rewards on online shopping, movies, dining, discounts on select platforms | Applicable | Budget-conscious, discounts on Myntra, BookMyShow, Freecharge |
| Citi Cash Back Credit Card | 5% cashback on movie tickets, telephone bills, and other spending | Applicable | Focus on everyday utility bills and shopping |
| American Express Membership Rewards Credit Card | Membership Reward Points, 4X points on supermarkets, telecom, online shopping | Applicable | Emphasis on reward points, bonus points for specific categories |
| HDFC Millennia Credit Card | High cashback rate on online platforms, annual fee waiver for > ₹1 lakh spending | Applicable | Ideal for frequent online shoppers, cashback benefits |
| Standard Chartered EaseMyTrip Credit Card | Discounts on travel-related bookings, additional rewards on standalone travel | Applicable | Co-branded benefits, travel-related discounts |
| RBL Bank BankBazaar SaveMax Credit Card | Cashback on all purchases, higher cashback on dining, groceries, and fuel | Applicable | Maximizing savings, complimentary airport lounge access |
| Yes Bank Prosperity Edge Credit Card | Benefits across travel, dining, wellness, priority lounge access, 6 reward points/₹100 | Applicable | Versatile benefits, emphasis on travel and dining privileges |
| RBL Bank Platinum Maxima Credit Card | Two free movie tickets/month, reward points on various categories, lounge access | Applicable | Entertainment-focused, complimentary lounge access |
Summing Up
The best credit cards are the ones that suit your lifestyle and spending habits. It’s essential to compare the features, benefits, and costs of various cards before making a choice. Whether you are a frequent traveller, a movie buff, or an online shopper, there is a perfect credit card for you in 2024.
Disclaimer: The details provided in this blog post may be subject to change. It’s advisable to check with the respective banks for the most up-to-date information on credit card features and benefits.
Frequently Asked Questions (FAQs)
It offers 10X reward points on online spending with partners like Amazon and reverses the annual fee if expenses exceed ₹1 lakh.
It includes fuel surcharge waivers, insurance coverage, reward points, and complimentary lounge access for travellers and diners.
This card blends lifestyle and travel benefits, offering lounge access, dining discounts, and accelerated rewards on overseas spending.
It has a low annual fee, generous rewards on online shopping, movies, and dining, and offers discounts on Myntra, BookMyShow, and Freecharge.
It focuses on everyday utility bills and shopping, providing 5% cashback on movie tickets, telephone bills, and other spending.
It emphasizes reward points, offering 1 point for every ₹50 spent, and 4X points on supermarkets, telecom, and online shopping.
It offers a high cashback rate on platforms like Amazon, Flipkart, Myntra, and Tata Cliq, compensating with benefits and an annual fee waiver for spending over ₹1 lakh.
It provides discounts on travel-related bookings and additional rewards on standalone travel, catering to EaseMyTrip users.
It offers up to 2% cashback on all purchases, up to 10% cashback on specific categories, complimentary airport lounge access, and insurance benefits.
It offers benefits across travel, dining, and wellness, along with priority lounge access and 6 reward points for every ₹100 spent.
It offers two free movie tickets monthly, reward points on various categories, and complimentary access to airport lounges.
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