In the fast-moving digital era of today, credit cards are essential for handling finances, enjoying perks, and accessing exclusive advantages. The Indian market offers many options, making selecting the perfect credit card quite a task. But worry not! The right card can open up a world of rewards, cashback, and premium benefits, elevating your lifestyle and boosting your savings. Join me as we delve into the most beneficial credit card in India for 2024, empowering you to make an informed choice and extract the maximum value from your credit card experience.
Most Beneficial Credit Card for Dinning in India
SBI Prime Credit Card
– 5X reward points on dining
– Complimentary Trident Privilege Red Tier and Club Vistara Silver Memberships for exclusive benefits
– E-gift vouchers worth Rs. 3,000 of popular brands, such as Yatra, Pantaloons, etc., as welcome benefits
– Pizza-hut gift voucher worth Rs. 1,000 on quarterly spend of Rs. 50,000
– Yatra/ Pantaloons gift voucher worth Rs. 7,000 on spending Rs. 5 Lakh in a year
– Joining fee: ₹2999
– Annual/Renewal Fee: ₹2999
Crave the finest dining experiences? Say hello to the SBI Prime Credit Card! Indulge in a 5X reward points feast on all your dining spends, and redeem them for many products and services. Enjoy 15% off at over 10,000 restaurants across India, including favourites like Pizza Hut and KFC. That’s not all – relish a 1+1 buffet offer at select restaurants and score a tasty 5% off on food delivery with Zomato, Swiggy, and Foodpanda. As the icing on the cake, savour the exclusive benefit of complimentary membership to the Trident Privilege Red Tier program, which delivers discounts and perks at Trident Hotels. With unlimited dining rewards, your taste buds will thank you as you earn points like never before. Bon appétit!
BPCL SBI Card Octane
– 10X rewards on dining
– 25 reward points per Rs. 100 spent on BPCL fuel, lubricants & Bharat Gas; 1 reward point on others
– 6,000 reward points as welcome bonus on fee payment, 1 RP = Rs. 0.25
– 4 complimentary visits per year to domestic VISA lounges in India
– Fee waived on Rs. 2 lakh annual spends & Rs. 2,000 e-gift voucher on Rs. 3 lakh annual spends
– Joining fee: ₹1499
– Annual/Renewal Fee: ₹1499
The BPCL SBI Card Octane is here to take your dining experience to the next level. Get ready to earn 10X rewards on all your dining spends, with no limit to how much you can earn. Indulge in delicious meals with 15% off at over 10,000 restaurants across India, including favourites like Pizza Hut and KFC. But wait, there’s more! Enjoy 1+1 buffet offers at select restaurants and 5% off on food delivery with Zomato, Swiggy, and Foodpanda. With unlimited dining rewards, satisfying your food cravings has never been so rewarding. Whether dining out or ordering in, the BPCL SBI Card Octane ensures that every meal is an opportunity to earn big.
HDFC Diners Club Black Credit Card
– 2X reward points on weekend dining
– Unlimited airport lounge access for primary and add-on members
– High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent
– Up to 10X reward points on SmartBuy and 2X on weekend dining with up to 1:1 redemption ratio
– Annual memberships of Club Marriott, Forbes, Amazon, Swiggy One (3 months) and MMT BLACK on joining
– Joining fee: ₹10000
– Annual/Renewal Fee: ₹10000
Get ready for a world of indulgence with the HDFC Diners Club Black Credit Card! Elevate your dining experience with double the rewards on weekend dining and unlimited access to airport lounges. Enjoy a fantastic 20% discount at over 2,000 restaurants across India, from fine dining to casual eats. That’s not all – claim your complimentary Club Marriott membership for excellent deals and perks at Marriott hotels. With a 1:1 redemption ratio on SmartBuy, you can turn your points into unforgettable dining experiences and luxurious hotel stays. The best part? There’s no cap on dining rewards, so you can savour every bite and rack up those points like never before.
Most Beneficial Credit Card for Online Shopping in India
Cashback SBI Card
– 5% cashback on all online spends
– 1% cashback across all offline spends
– Joining fee: ₹999
– Annual/Renewal Fee: ₹999
Are you a food lover? With the Cashback SBI Card, dining just got more rewarding! You can earn a whopping 5% cashback on all your online dining spending, including food delivery and online restaurant bookings. But that’s not all – you’ll also get 1% cashback on offline dining spends at over 10,000 restaurants across India! Enjoy exclusive discounts and offers at top dining chains like Pizza Hut, KFC, and more. And the best part? There’s no upper limit on dining cashback! This means you can treat yourself to your favourite culinary delights while earning rewards faster than ever before. And wait, there’s more – you’ll also get a complimentary membership to the SBI Privilege program, offering premium benefits and services. Ready to elevate your dining experience and get rewarded for it?
Flipkart Axis Bank Credit Card
– 5% cashback on Flipkart
– 4% cashback from preferred partners like PVR, Swiggy, and Uber
– Joining/Renewal Fee: ₹500 + GST
Indulge in a world of culinary delights with the Flipkart Axis Bank Credit Card! Picture this – 4% cashback on dining at over 5,000 restaurants nationwide, including big names like PVR, Swiggy, and Zomato. But wait, there’s more! Enjoy a 1% fuel surcharge waiver and 20% off at partner restaurants, and there’s no limit on dining cashback. Whether you’re a foodie, a shopaholic, or both, this card covers you with a complimentary Gaana Plus subscription and 20% off on Myntra. It’s time to treat yourself and earn rewards while you’re at it!
Amazon Pay ICICI Bank Credit Card
– 5% cashback on Amazon for Prime members
– 3% cashback on Amazon for non-Prime members
– Lifetime Free
Are you a food lover looking for a credit card that satisfies your cravings? Look no further than the Amazon Pay ICICI Bank Credit Card! Indulge in a feast of benefits, including a scrumptious 5% cashback at over 2,500 restaurants nationwide, and savour the savings at big names like Swiggy and Zomato. But that’s not all – you’ll also enjoy a 1% fuel surcharge waiver and a delectable 20% off at partner restaurants. If you’re an Amazon Prime member, you’re in for a treat with an exclusive 10% discount on food orders. And the best part? There’s no limit to the dining cashback, so you can relish your favourite dishes and rack up rewards quickly. With no annual fees, lifetime free membership, and zero foreign transaction charges, this card is a must-have for foodies who love dining out and shopping online.
HDFC Bank Millennia Credit Card
– 5% cash points while shopping on Amazon, Flipkart, Myntra, Swiggy, and more
– 1 cashpoint = ₹1
– Joining fee: ₹1,000 + GST
– Renewal Fee: ₹1,000 + GST
Indulge in a world of delicious dining experiences with the HDFC Bank Millennia Credit Card! Earn a mouthwatering 5% cash back on dining at over 2,000 restaurants nationwide, including big names like Swiggy and Zomato. That’s not all – you’ll also earn 1 cash point for every ₹100 spent on other categories, which you can use for dining and other exciting rewards. Unlock exclusive discounts and offers at partner restaurants and enjoy a tempting 20% off at select dining outlets. There’s no limit to the dining cash points you can earn, so you can treat yourself and rack up rewards faster than ever. This card comes with lifetime free membership and zero foreign transaction fees, making it the ultimate choice for foodies and young professionals. Get ready to savour every bite and elevate your dining game with this must-have card!
American Express SmartEarn Credit Card
– Accelerated Membership Rewards Points while shopping on Flipkart, Amazon, BookMyShow, and more
– 10X Membership Rewards Points for spend of ₹50 on Ajio, Nykaa, and more
– 5X Membership Rewards Points on Amazon
Introducing the American Express SmartEarn Credit Card – your passport to a rewarding dining experience! Indulge in a feast for your senses with fantastic 10X Membership Rewards Points on dining spent at partner restaurants, including popular chains like Swiggy, Zomato, and more. That’s not all! You’ll also enjoy 5X points on online food ordering and 1X on other dining spends. With no upper limit on dining points, savour your favourite flavours and watch your rewards stack up faster than ever before. Get exclusive discounts and offers at over 2,000 restaurants across India, including 20% off at select outlets. Unlock a world of premium benefits and services with a complimentary American Express Select program membership. Plus, you can redeem your points for dining vouchers, travel, and more!
Most Beneficial Credit Card for Movie Tickets in India
ICICI Bank Expression Credit Card
– Rs 100 discount on booking tickets with BookMyShow, available twice a month
– 3 points for every Rs 100 spent except fuel
– 1 complimentary domestic airport lounge visit per quarter
Check out the incredible benefits of the ICICI Bank Expression Credit Card, designed specifically for students like you! Get a 10% discount on online courses from top platforms such as Coursera, Udemy, and edX. Enjoy a fantastic 5% cashback on all online spending, including books, subscriptions, and educational websites. You’ll also snag exclusive discounts and offers on popular brands like Amazon, Flipkart, and Myntra. And the best part? There’s no joining fee and an annual fee of just ₹295. It’s the perfect way for students to kickstart their credit score while reaping rewards and perks that perfectly suit their lifestyle.
Kotak PVR Credit Card
– 2 movie tickets free of cost every month
– 1 movie ticket on spending Rs 7500 in a billing cycle
– Complimentary insurance cover to protect the cardholder in case it’s lost
Check out the incredible benefits of the Kotak PVR Credit Card, which is specially designed for students who love movies! Get ready for 2 free movie tickets monthly with a fabulous discount of up to ₹500 on each ticket at PVR cinemas. And that’s not all – you also get a fantastic 10% off on delicious food and beverages at PVR cinemas and a tremendous 5% cashback on online spending, including educational websites, online courses, and book purchases. But wait, there’s more! You’ll unlock exclusive offers and discounts on big brands like BookMyShow, Zomato, and Swiggy. Best of all, there’s no joining fee, and the annual fee is just ₹499 – making it a superb way for students to dive into entertainment while boosting their credit score.
HDFC Titanium Times Credit Card
– Movie discounts of Rs 1800 or more in a year
– 2 reward points for Rs 150 spent
– Fuel surcharge waiver of Rs 250 capped per month
Check out the fantastic perks of the HDFC Titanium Times Credit Card, designed especially for students like you! Get 5% cashback on online spending, including educational websites, courses, and book purchases. Enjoy a 1% fuel surcharge waiver and earn 2 reward points for every ₹150 spent, which can be redeemed for exciting rewards. You’ll also have access to exclusive offers and discounts on big brands like Amazon, Flipkart, and Myntra. Best part? No joining fee and an annual fee of just ₹500. It’s the perfect way for students to kickstart their credit journey while reaping awesome rewards!
HSBC Premier Master Card
– 50% cashback at PVR cinemas
– 1000 voucher from BookMyShow on spending Rs 75000 in a month
– Complimentary Priority Pass membership
Check out the incredible benefits of the HSBC Premier Master Card, designed primarily for students. You can get 5% cashback on education-related expenses like online courses, tuition fees, and books, plus 1% cashback on all other purchases. The perks don’t stop there – you’ll also score exclusive discounts with big brands like Amazon, Flipkart, and Myntra. But wait, there’s more! You’ll get complimentary airport lounge access, travel insurance, and concierge services. All this for an annual fee of just ₹3,500 – it’s a fantastic way for students to earn rewards and build their credit score.
SBI Card Elite
– 2 Free movie tickets every month from BookMyShow
– Welcome gift from Yatra, Hush puppies, Marks and Spencer West side worth Rs 5000
– Free access to international airport lounges across the globe
Looking for a credit card tailored for students? The SBI Card Elite is your go-to choice! Enjoy 5x reward points on education-related expenses such as online course bookings, tuition fees, and book purchases. Additionally, get 2x reward points on dining, movies, and entertainment spending. Students are also given exclusive discounts and offers on brands like Amazon, Flipkart, and Myntra. But wait, there’s more! Students can receive complimentary access to airport lounges, travel insurance, and concierge services. For an annual fee of only ₹4,999, this card enables students to benefit from premium rewards and advantages while improving their credit scores. Students must meet the income requirements or hold a fixed deposit with SBI to be eligible for this excellent card.
Conclusion
To sum it up, the most beneficial credit card for 2024 in India is one that resonates with your financial objectives, spending patterns, and way of life. Whether you’re pursuing cashback, rewards, travel perks, or premium privileges, there’s a credit card waiting to help you amplify your savings and enrich your financial journey. By considering aspects such as fees, interest rates, and rewards programs, you can make a well-versed decision and cherry-pick the ultimate credit card that perfectly aligns with your needs. Always bear in mind to handle your credit card responsibly, pay your bills punctually, and keep a close eye on your credit score to savour the full benefits of your credit card journey.
Make Your Money Work for You with Most Beneficial Credit Card in India 2024!
FAQ’s
Q: What is the most beneficial credit card in India?
A: The most beneficial credit card varies based on individual needs, but popular options include HDFC Regalia Gold, Amex Platinum Reserve, and Axis Ace.
Q: What benefits do these credit cards offer?
A: Benefits include cashback, rewards, airport lounge access, travel insurance, and milestone benefits.
Q: Which credit card offers the highest cashback reward?
A: Axis Ace offers up to 5% cashback reward.
