Choosing the right credit card can significantly impact your financial management and enhance your overall lifestyle. India provides diverse credit cards to meet various requirements, such as cashback, rewards, travel benefits, and premium services. Explore the best credit cards for 2024 in India in this detailed guide, which includes in-depth comparisons and expert analysis to help you make an informed decision. If you frequently travel, relish dining out, or desire to maximise your everyday savings, there’s a card ideally suited to your needs.
Best Credit Cards for Travel in India 2024
Club Vistara IDFC FIRST Credit Card
• A credit card jointly offered by IDFC First Bank and Vistara Airlines.
• Provides exclusive membership benefits such as joining privileges, complimentary class upgrades, and flight ticket vouchers.
•Offers up to 5 free Premium Economy Ticket Vouchers depending on the amount spent.
• Provides elevated lifestyle experiences like golf rounds and airport lounge access.
•Provides a rewards program that allows customers to earn up to 6 Club Vistara (CV) points for every ₹200 spent.
• Offers flexibility with trip cancellation cover up to ₹10,000.
• Annual fee is ₹4,9993.
Axis Bank Atlas Credit Card
Welcome Benefit:
• Receive 2500 EDGE Miles upon first transaction within 37 days.
• For cards sourced between 20th December 2022 and 19th April 2024, the welcome benefit is 5000 EDGE Miles.
• Upon completing 3 transactions within 60 days, customers who have cards sourced before 20th December 2022 will receive 5000 EDGE Miles.
Earn EDGE Miles:
• Get 5 EDGE Miles when you spend on travel and 2 EDGE Miles for all other expenses.
• Enjoy the flexibility of redeeming EDGE Miles with over 10 airlines and three hotel loyalty programs.
Privileges:
• Airport Lounge Access: Enjoy domestic and international lounge access.
• Exciting Offer: Enjoy a fantastic 25% discount at over 10,000 restaurants with EazyDiner!
• 24/7 Concierge Desk: Dedicated assistance for travel needs.
Milestone Benefits:
• Reach INR 7.5 Lakhs and INR 15 Lakhs for exclusive rewards.
• Additional benefits are available for the Silver, Gold, and Platinum tiers.
Eligibility:
• Primary cardholders must be between 18 and 70 to be eligible.
Air India SBI Signature Credit Card
• Welcome Gift: 20,000 Reward Points upon joining fee.
• Complimentary membership in the Air India Frequent Flyer program – Flying Returns.
• Reward Points: Conveniently earn 4 Reward Points for every ₹100 spent, up to 1,00,000 bonus Reward Points annually.
• Elevate Every Time You Fly: Earn up to 30 Reward Points for every ₹100 spent on Air India tickets booked through airindia.com or the Air India mobile app.
• Airport Lounge Access: International Airport Luxury Lounge Access to over 600 airport lounges with the complimentary Priority Pass Program.
• Joining Fee: ₹4,999 (one-time), renewal Fee: ₹4,999 (per annum).
• Annual Gift: 5,000 Reward Points.
Credit Cards for Fuel in India 2024
BPCL SBI Card Octane
• Offers 7.25% Value Back on fuel purchases at BPCL petrol pumps.
• Offers a 6.25% Fuel Surcharge Waiver on every BPCL transaction up to ₹4,000.
• Provides 25 Reward Points on every ₹100 spent at BPCL Fuel, Lubricants & Bharat Gas.
• Offers 10 Reward Points on every ₹100 spent at Dining, Departmental Stores, Grocery & Movies.
• Provides zero fuel surcharge across all BPCL petrol pumps in India for transactions up to ₹4,000.
• Offers 4 complimentary visits per calendar year to Domestic VISA lounges in India.
• Provides e-Gift Vouchers worth ₹2,000 from Aditya Birla Fashion, Yatra, or Bata/Hush Puppies on annual spends of ₹3 Lakhs.
• Offers a ₹1 Lakh Fraud Liability cover.
• Provides a fee waiver on annual spending of ₹2 lakhs.
• Allows instant redemption of Reward Points at select BPCL petrol pumps.
• Fees include a one-time joining fee of ₹1,499 and a per-annum renewal fee of ₹1,499, respectively.
ICICI Bank HPCL Super Saver Credit Card
• Co-branded fuel credit card with additional lifestyle benefits.
• Offers 5% cashback on utility, grocery, and departmental store purchases.
• Offers 25% discount on movie ticket bookings.
• Offers an additional 1.5% back on all fuel purchases via HP Pay app at HPCL outlets.
• Includes extra perks such as access to domestic airport lounges, personal accident coverage, and round-the-clock concierge service.
• Get 2,000 Reward points when you activate and pay the fee, plus enjoy ₹100 cashback on HP Pay App.
• The costs include the join charge, the yearly fee, the price for the supplemental card, and the interest owed on cash advances and extended credit past due.
IndianOil Axis Bank Credit Card
• Fuel Savings: Earn 4% value back on fuel transactions at IOCL fuel outlets in India. The maximum eligible spend per month is ₹5,000.
• Online Shopping Rewards: You can earn 1% value back on online shopping, with a maximum eligible spend of ₹5,000 per month.
• Fuel Surcharge Waiver: Enjoy a 1% discount on fuel purchases at any fuel outlet in India. There is a maximum waiver of ₹50 per statement cycle.
• Annual Fee Waiver: Spend more than ₹3,50,000 in a card anniversary year.
• Instant Discount on BookMyShow: Up to 10% on movie tickets booked via the BookMyShow app or website.
• Dining Delights: Up to 15% off at partner restaurants in India via EazyDiner.
• Joining Fee: The annual fee for the second year onwards is ₹500. There are no additional charges for joining an add-on card or for yearly or card replacement fees.
Credit Cards for Cashback in India 2024
Cashback SBI Card
• Online Spends: Earn 5% cashback on transactions without merchant restrictions.
• Offline Spends: Receive 1% cashback on offline purchases.
• Fuel Surcharge Waiver: Enjoy a 1% surcharge waiver at all petrol pumps in India.
• Fees: The membership fee is ₹999 for the first year and ₹999 for each subsequent year. However, if your annual spending exceeds ₹2,00,000 in the previous year, the renewal fee will be waived. Enjoy a 1% discount on fuel purchases at any fuel outlet in India. There is a maximum waiver of ₹50 per statement cycle.
Axis Bank Ace Credit Card
• Cashback on Every Spend: Get a 5% cashback when you make bill payments and DTH/mobile recharges using Google Pay.
• 4% cashback on Swiggy, Zomato, and Ola.
• 1.5% cashback on all other spends.
• Lounge Access: Enjoy 4 complimentary lounge visits per calendar year at select domestic airports.
• Fuel Surcharge Waiver: 1% waiver on fuel purchases at all fuel stations across India.
• Dining Delights: Up to 15% off at 4,000+ partner restaurants in India.
• Convert Purchases to EMI: Transactions of ₹2,500 or more are converted into easy EMIs.
• Fees & Charges: Joining Fee: ₹999.
Amazon Pay ICICI Bank Credit Card
• Lifetime Free Card: No joining or annual fee.
• Unlimited Reward Points: Points are converted to ₹1 and credited to your Amazon Pay balance every month.
• 3% Cashback on Amazon India spends, even without Amazon Prime membership.
• 2% Cashback at 100+ partner merchants on Amazon Pay.
• 1% Cashback on all other expenses.
• 1% Fuel Surcharge Waiver on refueling payments.
• Exclusive Redemption Catalogue: Earnings can be redeemed for over 10 crore products.
• Amazon Prime Members Bonus: 5% cashback on transactions at Amazon India.
Credit Cards for Rewards in India 2024
HDFC Bank Regalia Gold Credit Card
• Upgraded version of HDFC Regalia Credit Card with more features.
• Enjoy exclusive welcome benefits with the HDFC Bank Regalia Gold Credit Card, including Club Vistara Silver Tier membership and MMT Black Elite membership on spends of ₹1 lakh or more within 90 days of card issuance.
• Offers vouchers: ₹1,500 worth on quarterly spends of ₹1.5 lakh, ₹5,000 worth on annual spends of ₹5 lakh, with an additional voucher of ₹5,000 on spends of ₹7.5 lakhs.
• Offers 5X Reward Points on purchases made at Marks & Spencer, Myntra, Nykaa, and Reliance Digital, and 4 Reward Points for every ₹150 spent on retail transactions.
• Provides a Priority Pass good for six gratis lounge visits outside India and free access to airport lounges inside India.
• Additional Features: Revolving credit with a nominal interest rate, 2% foreign exchange markup, and no lost card liability.
SBI Prime Credit Card
• Welcome Gift: Embark on your adventure with us and enjoy a generous e-gift voucher worth ₹3,000 from renowned brands such as Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com.
• Rewards: Earn 10 Reward Points per ₹100 spent on dining, groceries, departmental stores, and movies.
• Milestone Benefits: Get a Pizza Hut e-voucher worth ₹1,000 for ₹50,000 in a quarter.
• Renewal Fee waiver: Get a ₹7,000 e-gift voucher from Yatra.com or Pantaloons when you spend ₹5 lakhs annually.
• Trident Privilege Membership: Indulge in the exclusivity of a complimentary Trident Privilege Red Tier Membership with its exclusive benefits.
• Club Vistara Membership: Receive a free Club Vistara Silver membership and earn 9 Club Vistara Points for every ₹100 spent on Vistara flights.
• Lounge Access: You will receive 4 complimentary visits per calendar year to International Priority Pass Lounges located outside India and 8 visits per quarter to Domestic Lounges within India.
• Birthday Benefit: 20 Reward Points per ₹100 spent on your birthday.
• Fees: Joining Fee (one-time): ₹2,999 + Taxes.
American Express SmartEarn™ Credit Card
• Welcome Gift: ₹500 cashback on eligible spends of ₹10,000 within first 90 days of Cardmembership.
• Unlock Valuable Rewards: Earn 10X Membership Rewards® points on popular platforms like Amazon, Flipkart, Uber, BookMyShow, Zomato, and more. Plus, enjoy 5X points for transactions made on Amazon.
• Gift Vouchers: Earn ₹500 when you achieve spending milestones of ₹1.20 lakhs, ₹1.80 lakhs, and ₹2.40 lakhs in a Cardmembership year.
• Save on Renewal Fees: On eligible spending in the previous year, you can get a waiver on the ₹40,000 and above renewal fee.
• American Express EMI: Convert EMI at the point of sale with a low interest rate and zero foreclosure charges.
• Rewards Program: 1 Membership Rewards Point for every ₹50 spent.
• Up to 1,250 Membership Rewards monthly points by spending only ₹7,500.
Best Credit Cards for Airport Lounge Access in India 2024
SBI Elite Credit Card
• Welcome Gift: Start your journey with a ₹5,000 Welcome e-Gift Voucher, a token of our appreciation that you can redeem with travel and lifestyle brands.
• Complimentary Movie Tickets: Discover the incredible benefit of enjoying complimentary movie tickets valued at ₹6,000 annually, with a minimum of 2 tickets per booking per month.
• Milestone Privileges: Earn up to 50,000 Bonus Reward Points per year, with 10,000 bonus points for annual spending of ₹3 lakhs and 4 lakhs.
• Rewards: Experience the benefit of earning 5X Reward Points on dining, departmental stores, and grocery spending, along with 2 Reward Points per ₹100 on all other purchases.
• Lounge Access: Receive a free membership to the Priority Pass Program, which includes 6 complimentary Airport Lounge visits per calendar year outside India. In addition, you will receive 2 complimentary visits to Domestic Airport Lounges in India every quarter.
• Club Vistara Membership: For every ₹100 spent on Vistara flights, you will be rewarded with a Complimentary Club Vistara Silver membership and 9 Club Vistara Points.
• Trident Privilege Membership: Enjoy a complimentary Trident Privilege Red Tier membership and receive exclusive points and hotel credits on your stays.
• Lowest Forex Markup: Enjoy a deficient foreign currency markup charge of only 1.99% on all your international transactions.
• Exclusive Concierge Service: Discover the convenience of accessing reliable support for flower delivery, gift delivery, and online doctor consultation.
HDFC Bank Regalia Gold Credit Card
• Upgraded version of HDFC Regalia Credit Card with more features.
• Welcome Benefits: Club Vistara Silver Tier membership and MMT Black Elite membership on spends of ₹1 lakh or more within 90 days of card issuance.
• Rewards: 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
• Lounge Access: Enjoy access to airport lounges within India and receive a Priority Pass for 6 complimentary lounge visits outside India.
• Additional Features: Enjoy the benefits of zero lost card liability, a low 2% foreign currency markup, and the peace of mind that your card is protected in case of loss.
Axis Bank SELECT Credit Card
Welcome Benefits:
• 10,000 EDGE REWARD Points on the first card transaction within 30 days of issuance.
• ₹500 off per month on BigBasket purchases and ₹200 off on Swiggy orders.
• Up to 12 complimentary International Airport Lounge visits through Priority Pass Membership.
• Enjoy 2 domestic lounge visits per quarter by spending ₹50,000 in the last 3 months.
Milestone Benefits:
• Earn 5,000 EDGE points on spending ₹3 lakhs in a card anniversary year.
• Complete annual fee waiver on spending ₹8 lakhs in a card anniversary year.
Rewards on Every Transaction:
• Earn 10 Axis EDGE points on every ₹200 spent.
• 2X points on retail shopping spending.
Priority Pass Renewal:
• Membership renews automatically upon spending ₹3 lakhs in the preceding card anniversary year.
Conclusion
To select the perfect credit cards in India in 2024, it is crucial to have a comprehensive understanding of your spending habits and financial goals. When considering different options, it’s vital to thoroughly assess each card’s features, fees, and rewards to determine which one best suits your needs. You can achieve significant savings, gain exclusive benefits, and enhance your financial flexibility by making thoughtful choices. Explore the comprehensive guide that will empower you to make well-informed decisions and discover a credit card that will elevate your financial journey in 2024 and beyond.
