Top 5 Credit Cards in India
Credit cards are a convenient financial tool that allow users to make purchases and pay for them at a later date. They also come with various benefits such as reward points, cashback offers, and other perks that can help users save money. However, with so many options available in the market, it can be overwhelming to choose the right credit card. In this article, we will be discussing the top 5 credit cards in India, based on their features, benefits, and popularity among users.
- HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card is a premium credit card that offers a range of benefits to its users. The card is designed for frequent travelers, and it offers reward points, airport lounge access, and travel insurance. Some of the key features of this credit card include:
- Welcome Benefits: The HDFC Bank Regalia Credit Card offers welcome benefits worth up to Rs. 10,000, which can be redeemed against flight and hotel bookings, as well as other purchases.
- Reward Points: The card offers 4 reward points for every Rs. 150 spent on the card. These reward points can be redeemed against a variety of products and services, including travel bookings, shopping, and dining.
- Airport Lounge Access: The card offers free airport lounge access to its users, with a maximum of 12 visits per year.
- Travel Insurance: The card comes with complimentary travel insurance of up to Rs. 1 crore, which covers emergency medical expenses, baggage loss, flight delays, and other travel-related risks.
- ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card is another popular credit card in India, known for its cashback offers and reward points. The card offers a range of benefits to its users, including dining discounts, fuel surcharge waiver, and travel benefits. Some of the key features of this credit card include:
- Cashback Offers: The ICICI Bank Coral Credit Card offers cashback on various transactions, including dining, groceries, and utility bill payments. Users can earn up to Rs. 4,000 cashback per year.
- Reward Points: The card offers 2 reward points for every Rs. 100 spent on the card. These reward points can be redeemed against a variety of products and services, including travel bookings, shopping, and dining.
- Dining Discounts: The card offers up to 15% discount on dining at selected restaurants across India.
- Fuel Surcharge Waiver: The card offers fuel surcharge waiver of up to Rs. 400 per month, which can help users save money on their fuel expenses.
- Travel Benefits: The card offers complimentary airport lounge access, as well as travel insurance of up to Rs. 50 lakh.
- SBI Card Elite Credit Card
SBI Card Elite Credit Card is a premium credit card that offers a range of benefits to its users, including reward points, cashback offers, and travel benefits. The card is designed for high spenders, and it offers various lifestyle benefits as well. Some of the key features of this credit card include:
- Welcome Benefits: The SBI Card Elite Credit Card offers welcome benefits worth Rs. 29,999, which includes a free membership to Club Vistara, Taj Epicure Plus membership, and more.
- Reward Points: The card offers 2 reward points for every Rs. 100 spent on the card. These reward points can be redeemed against a variety of products and services, including travel bookings, shopping, and dining.
- Cashback Offers: The card offers cashback on various transactions, including dining, movie tickets, and departmental store purchases. Users can earn up to Rs. 5,000 cashback per month.
card offers complimentary airport lounge access, as well as travel insurance of up to Rs. 50 lakh. Users also get a free membership to Club Vistara, which provides various benefits such as priority check-in, extra baggage allowance, and lounge access.
- Lifestyle Benefits: The card offers various lifestyle benefits such as discounts on luxury watches, spa treatments, and golf course bookings.
- Axis Bank Flipkart Credit Card
Axis Bank Flipkart Credit Card is a co-branded credit card that is designed for online shoppers. The card offers a range of benefits to its users, including reward points, cashback offers, and discounts on Flipkart purchases. Some of the key features of this credit card include:
- Welcome Benefits: The Axis Bank Flipkart Credit Card offers welcome benefits worth Rs. 2,500, which includes Flipkart vouchers and MakeMyTrip vouchers.
- Reward Points: The card offers 4 reward points for every Rs. 200 spent on the card. These reward points can be redeemed against Flipkart purchases, as well as other products and services.
- Cashback Offers: The card offers cashback on various transactions, including Flipkart purchases, as well as grocery and fuel purchases. Users can earn up to Rs. 500 cashback per month.
- Flipkart Discounts: The card offers various discounts on Flipkart purchases, including 5% cashback on Flipkart purchases, as well as 4 free domestic lounge visits per year.
- Citibank Rewards Credit Card
Citibank Rewards Credit Card is a popular credit card in India, known for its reward points and other benefits. The card offers a range of benefits to its users, including reward points, cashback offers, and travel benefits. Some of the key features of this credit card include:
- Reward Points: The Citibank Rewards Credit Card offers 1 reward point for every Rs. 125 spent on the card. These reward points can be redeemed against a variety of products and services, including travel bookings, shopping, and dining.
- Cashback Offers: The card offers cashback on various transactions, including movie ticket bookings, utility bill payments, and more. Users can earn up to Rs. 500 cashback per month.
- Travel Benefits: The card offers complimentary airport lounge access, as well as travel insurance of up to Rs. 1 crore.
- Dining Discounts: The card offers discounts on dining at selected restaurants across India, with up to 15% discount on dining bills.
