Credit cards are an essential tool for financial management, providing individuals with a convenient and flexible way to make purchases and manage their expenses. With numerous credit cards available in the Indian market, it can be challenging to select the best one that suits your needs and preferences. In this article, we will discuss the best credit cards available in India, their charges, and features in detail.
1. HDFC Regalia Credit Card:
HDFC Regalia Credit Card is one of the premium credit cards in India, offering an array of benefits and features to its users. The card comes with an annual fee of INR 2,500, and the user can earn up to 4 reward points on every INR 150 spent. Additionally, the cardholder can avail a discount of up to 15% on dining at select restaurants and access to airport lounges across India.
2. SBI SimplyCLICK Credit Card:
SBI SimplyCLICK Credit Card is ideal for individuals who frequently shop online. The card comes with an annual fee of INR 499, and the user can earn 5x reward points on online purchases made on Amazon, Cleartrip, Foodpanda, and other partner websites. Moreover, the cardholder can get a gift voucher worth INR 500 on spending INR 1,00,000 annually.
3. Axis Bank Vistara Signature Credit Card:
Axis Bank Vistara Signature Credit Card is an excellent choice for frequent flyers. The card comes with an annual fee of INR 3,000, and the user can earn 4 Club Vistara points on every INR 200 spent. Additionally, the cardholder can enjoy complimentary access to the Vistara Lounge and get a complimentary economy class ticket on spending INR 1,50,000 annually.
4. ICICI Bank Amazon Pay Credit Card:
ICICI Bank Amazon Pay Credit Card is an ideal choice for individuals who frequently shop on Amazon. The card comes with no annual fee and offers a cashback of 5% on Amazon purchases for Prime members and 3% for non-Prime members. Moreover, the cardholder can earn 2% cashback on purchases made on Amazon Pay partner merchants and 1% cashback on all other transactions.
5. Standard Chartered Manhattan Credit Card:
Standard Chartered Manhattan Credit Card is perfect for individuals who prefer to dine out frequently. The card comes with an annual fee of INR 999 and offers a cashback of up to 5% on dining at select restaurants. Additionally, the cardholder can earn 3 reward points on every INR 150 spent and can redeem these points for vouchers and discounts.
6. American Express Platinum Travel Credit Card:
American Express Platinum Travel Credit Card is an excellent choice for frequent travelers. The card comes with an annual fee of INR 5,000 and offers a welcome bonus of 5,000 reward points on the first spend. Moreover, the cardholder can earn 1 reward point on every INR 50 spent and get a complimentary membership to the Priority Pass Program, which provides access to airport lounges across the world.
7. Citi PremierMiles Credit Card:
Citi PremierMiles Credit Card is perfect for frequent travelers who want to earn miles on their everyday spends. The card comes with an annual fee of INR 3,000, and the user can earn 10 Miles for every INR 100 spent on flight bookings, and 4 Miles for every INR 100 spent on all other transactions. Moreover, the cardholder can enjoy access to airport lounges across India and avail of exclusive travel and lifestyle benefits.
8. RBL Bank Platinum Delight Credit Card:
RBL Bank Platinum Delight Credit Card is an excellent option for individuals looking for a credit card with no annual fee. The cardholder can earn 1 reward point on every INR 100 spent and get a cashback of up to INR 150 on fuel purchases. Additionally, the cardholder can enjoy discounts and offers on dining, shopping, and entertainment.
9. Yes First Preferred Credit Card:
Yes First Preferred Credit Card is perfect for high spenders who want to earn maximum rewards. The card comes with an annual fee of INR 2,500, and the user can earn 2 reward points on every INR 100 spent. Moreover, the cardholder can enjoy complimentary access to airport lounges across India and get discounts on dining, shopping, and travel bookings.
10. Kotak Mahindra Bank Royale Signature Credit Card:
Kotak Mahindra Bank Royale Signature Credit Card is an excellent option for individuals who want to enjoy exclusive lifestyle benefits. The card comes with an annual fee of INR 999, and the user can earn 2 reward points on every INR 100 spent. Additionally, the cardholder can enjoy complimentary access to airport lounges across India and get discounts on dining, shopping, and entertainment.
Discover the Future of Banking: Top Neo Bank Credit Cards in India
In recent years, the emergence of new-age fintech neo banks has revolutionized the banking industry. These digital banks offer customers a seamless banking experience through their mobile applications, and they also provide credit card facilities. Here are some of the best neo bank credit cards available in India:
1. NiyoX Visa Card:
NiyoX Visa Card is a neo bank credit card offered by Niyo, an online banking platform. The card comes with a zero annual fee and offers unlimited cashback on all transactions. Moreover, the cardholder can enjoy benefits like free ATM withdrawals and a virtual debit card for online transactions.
2. Slice Card:
Slice Card is a credit card offered by Slice, a digital banking platform targeted at millennials. The card comes with a zero annual fee and offers cashback on all transactions, including online purchases and bill payments. Additionally, the cardholder can avail exclusive discounts and offers on popular brands and e-commerce websites.
3. Jupiter Mastercard:
Jupiter Mastercard is a neo bank credit card offered by Jupiter, an online banking platform. The card comes with a zero annual fee and offers cashback on all transactions, including online purchases, dining, and fuel. Moreover, the cardholder can avail benefits like free ATM withdrawals and a virtual debit card for online transactions.
4. YAP Card:
YAP Card is a neo bank credit card offered by YAP, an online banking platform. The card comes with a zero annual fee and offers cashback on all transactions, including online purchases, dining, and travel bookings. Additionally, the cardholder can avail exclusive discounts and offers on popular brands and e-commerce websites.
5. Open Credit Card:
Open Credit Card is a credit card offered by Open, a digital banking platform targeted at small businesses. The card comes with a zero annual fee and offers cashback on all transactions, including online purchases and bill payments. Moreover, the cardholder can avail benefits like free ATM withdrawals and a virtual debit card for online transactions.
Neo bank credit cards have disrupted the traditional banking industry, providing customers with a seamless banking experience through their mobile applications. These credit cards offer various benefits, including zero annual fees, unlimited cashback, and exclusive discounts and offers. However, before choosing a neo bank credit card, it is crucial to review the terms and conditions and understand the charges and features.
Credit cards have become an essential financial tool for individuals in India. With various credit cards available in the market, it is crucial to consider your spending habits, lifestyle, and preferences before selecting the one that suits your needs. This article will provide an overview of the best credit cards available in India, their charges, and features.
Traditional banks like HDFC, ICICI, SBI, and Axis Bank offer a range of credit cards with various features, charges, and benefits. HDFC Bank Regalia Credit Card is a premium credit card that offers a range of benefits, including reward points, lounge access, travel insurance, and concierge services. The annual fee for this card is Rs. 2,500, and the interest rate ranges from 23.99% to 36% per annum.
ICICI Bank Amazon Pay Credit Card is a co-branded credit card offered in partnership with Amazon. The card offers cashback on Amazon purchases, fuel, dining, and bill payments. The annual fee for this card is Rs. 500, and the interest rate ranges from 15% to 41% per annum.
SBI SimplySAVE Credit Card is a credit card that offers cashback on various categories such as groceries, dining, and movies. The annual fee for this card is Rs. 499, and the interest rate ranges from 24% to 30% per annum.
Axis Bank Buzz Credit Card is a co-branded credit card offered in partnership with Flipkart. The card offers discounts and cashback on Flipkart purchases. The annual fee for this card is Rs. 750, and the interest rate ranges from 41% to 47% per annum.
Moreover, the emergence of new-age fintech neo banks has revolutionized the banking industry. These digital banks offer customers a seamless banking experience through their mobile applications, and they also provide credit card facilities. NiyoX Visa Card, Slice Card, Jupiter Mastercard, YAP Card, and Open Credit Card are some of the best neo bank credit cards available in India.
NiyoX Visa Card is a neo bank credit card offered by Niyo, an online banking platform. The card comes with a zero annual fee and offers unlimited cashback on all transactions. Moreover, the cardholder can enjoy benefits like free ATM withdrawals and a virtual debit card for online transactions.
Slice Card is a credit card offered by Slice, a digital banking platform targeted at millennials. The card comes with a zero annual fee and offers cashback on all transactions, including online purchases and bill payments. Additionally, the cardholder can avail exclusive discounts and offers on popular brands and e-commerce websites.
Jupiter Mastercard is a neo bank credit card offered by Jupiter, an online banking platform. The card comes with a zero annual fee and offers cashback on all transactions, including online purchases, dining, and fuel. Moreover, the cardholder can avail benefits like free ATM withdrawals and a virtual debit card for online transactions.
YAP Card is a neo bank credit card offered by YAP, an online banking platform. The card comes with a zero annual fee and offers cashback on all transactions, including online purchases, dining, and travel bookings. Additionally, the cardholder can avail exclusive discounts and offers on popular brands and e-commerce websites.
Open Credit Card is a credit card offered by Open, a digital banking platform targeted at small businesses. The card comes with a zero annual fee and offers cashback on all transactions, including online purchases and bill payments. Moreover, the cardholder can avail benefits like free ATM withdrawals and a virtual debit card for online transactions.
In conclusion, choosing the right credit card can make a significant difference in managing your finances and achieving your financial goals. With various credit cards available in the Indian market, it is crucial to consider your spending habits, lifestyle, and preferences before selecting the one that suits your needs. Reviewing the terms and conditions and understanding the charges and features is essential to avoid any surprises and make the most of your credit card benefits.credit cards offer a convenient way to manage expenses and provide several benefits and features to its users. The above-listed credit cards are some of the best credit cards available in India, offering various rewards, cashbacks, and other perks. It is essential to choose a credit card that suits your needs and preferences and review the terms and conditions carefully before applying for one.Whether you prefer a traditional bank credit card or a neo bank credit card, it is crucial