Top Credit Cards by Various Banks with Exciting Rewards in India
In India, credit cards have become an essential financial tool, not only offering the convenience of cashless transactions but also a range of exciting rewards, cashback, and travel benefits. With so many options available, choosing the right credit card can be overwhelming. Whether you’re looking for travel perks, shopping discounts, or cashback on daily expenses, there’s a card out there tailored for your needs. In this article, we’ll explore some of the top credit cards offered by various banks in India that come with exciting rewards.
1. HDFC Bank Regalia Credit Card
The HDFC Bank Regalia Credit Card is one of the most popular premium credit cards in India, known for its luxurious benefits and rewards.
Features and Benefits:
Reward Points: Earn 4 reward points for every ₹150 spent, which can be redeemed for flights, hotel bookings, and merchandise.
Travel Benefits: Complimentary access to over 1,000 airport lounges worldwide through the Priority Pass program.
Dining Privileges: Discounts of up to 15% at select premium restaurants across India.
Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at all fuel stations in India.
Annual Fee: ₹2,500 (waived off on annual spends of ₹3 lakh)
If you frequently travel and want a premium card with exclusive benefits, the HDFC Regalia is an excellent choice for you.
Apply for HDFC Bank Credit Card
2. SBI Card Elite
SBI Card Elite is a premium offering from State Bank of India (SBI) that rewards frequent shoppers and moviegoers with a host of benefits.
Features and Benefits:
Welcome Gifts: Get an e-voucher worth ₹5,000 from luxury brands like Yatra, Hush Puppies, and Shoppers Stop.
Reward Points: Earn 2 reward points per ₹100 spent on non-fuel categories. Get accelerated 10x reward points on dining, groceries, and departmental stores.
Movie Benefits: Enjoy free movie tickets worth ₹6,000 annually under the BookMyShow offer.
Lounge Access: Complimentary lounge visits at domestic airports.
Annual Fee: ₹4,999
The SBI Card Elite is perfect for individuals looking for exclusive shopping, travel, and entertainment rewards, especially if you enjoy luxury experiences.
Apply for SBI Credit Card
3. American Express Membership Rewards Credit Card
Known for its unparalleled customer service and prestige, the American Express Membership Rewards Credit Card offers incredible value through its points-based rewards system.
Features and Benefits:
Membership Rewards: Earn 1 reward point for every ₹50 spent on eligible purchases. You can accumulate points for rewards like flight tickets, hotel stays, and vouchers.
Welcome Offer: Get 4,000 membership reward points after your first transaction within 90 days.
Milestone Benefits: Earn 1,000 bonus reward points on cumulative monthly spends of ₹20,000 or more, 18 times a year.
Travel Benefits: Discounts on air tickets and hotel bookings through the American Express Travel platform.
Annual Fee: ₹1,500 for the first year; ₹4,500 from the second year.
The American Express Membership Rewards Credit Card is ideal for individuals who want to maximize their rewards points while enjoying premium services and offers.
Apply for American Express Credit Card
4. ICICI Bank Coral Credit Card
The ICICI Bank Coral Credit Card offers a balance of rewards and affordability, making it an excellent choice for budget-conscious consumers who want value-added benefits.
Features and Benefits:
Reward Points: Earn 2 payback points for every ₹100 spent on domestic purchases and 1 payback point for every ₹100 on utilities and insurance.
Dining Discounts: Save up to 15% at over 2,500 restaurants across India.
Movie Discounts: Buy one and get one free movie ticket at BookMyShow every month.
Lounge Access: Two complimentary airport lounge visits per quarter at select domestic airports.
Annual Fee: ₹500 (reversed on annual spends of ₹1.5 lakh)
The ICICI Coral Credit Card offers substantial savings on dining and movies, making it perfect for those who enjoy entertainment and dining out.
Apply for ICICI Bank Credit Card
5. Axis Bank ACE Credit Card
The Axis Bank ACE Credit Card is one of the best cashback credit cards in India, providing lucrative returns on online and offline transactions.
Features and Benefits:
Cashback: 5% unlimited cashback on bill payments and recharges made via Google Pay, 4% on Swiggy, Zomato, and Ola, and 2% cashback on all other transactions.
Fuel Surcharge Waiver: 1% waiver on fuel transactions, adding to your savings on fuel expenses.
Easy EMI: Convert your high-value purchases into easy EMIs at attractive interest rates.
Annual Fee: ₹499 (waived off on annual spends of ₹2 lakh)
If you are a frequent user of Google Pay and prefer cashback over reward points, the Axis ACE Credit Card provides exceptional value with its high cashback rates on essential categories.
Apply for Axis Bank Credit Card
6. Citi PremierMiles Credit Card
For avid travelers, the Citi PremierMiles Credit Card offers a range of travel-related rewards, making it one of the best travel credit cards in India.
Features and Benefits:
Air Miles: Earn 10 air miles for every ₹100 spent on airline transactions and 4 air miles on all other spends.
Travel Benefits: Redeem your air miles for free flights on over 100 airlines or hotel stays at top properties across the world.
Airport Lounge Access: Complimentary domestic and international lounge access at select airports.
Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver at all petrol pumps across India.
Annual Fee: ₹3,000
The Citi PremierMiles Credit Card is a must-have for frequent flyers who want to earn and redeem miles for their travel needs.
7. YES FIRST Preferred Credit Card
The YES FIRST Preferred Credit Card is a premium card that combines the benefits of reward points, lounge access, and lifestyle perks, making it suitable for high-spenders.
Features and Benefits:
Reward Points: Earn 2 reward points for every ₹200 spent and 8 reward points for every ₹200 on dining, grocery, and international spends.
Airport Lounge Access: Enjoy complimentary international and domestic airport lounge access.
Lifestyle Benefits: Discounts on premium brands and complimentary rounds of golf.
Insurance Cover: Get an air accident cover worth ₹50 lakh and lost card liability cover.
Annual Fee: ₹2,499 (waived off on annual spends of ₹3 lakh)
The YES FIRST Preferred Credit Card is ideal for individuals looking for premium travel and lifestyle benefits while earning rewards on every spend.
Apply for HSBC Bank Credit Card
Apply for Standard Chartered Bank Credit Card
Apply for Bajaj Finserv EMI Card
Apply for Bank of Baroda Credit Card
Apply for AU Small Finance Bank Credit Card.
Apply for TATA Neu Credit Card
Apply for Federal Bank Credit Card
Conclusion
Choosing the best credit card in India depends on your lifestyle, spending habits, and financial goals. Whether you prioritize travel, shopping, or cashback, there’s a card tailored to your needs. The HDFC Regalia and SBI Elite cater to those seeking luxury and exclusive benefits, while the Axis Bank ACE is perfect for cashback lovers. For frequent travelers, the Citi PremierMiles card offers unbeatable travel rewards.
For personalized advice on selecting the right credit card based on your preferences, reach out to Biswajit Barman, a financial expert who can guide you through the best offers from major banks like ICICI Bank, HDFC Bank, SBI, and Axis Bank.
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