Top 10 Best Credit Cards-2024
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1. HDFC Tata Neu Infinity Credit Card:
The Tata Neu Infinity HDFC Bank Credit Card is a compelling choice for those seeking a credit card with impressive benefits and rewards. Here are the key features of this card:
Rewards Structure:
- 5% back as NeuCoins on non-EMI spends at Tata Neu and partner Tata Brands.
- 1.5% back as NeuCoins on non-Tata Brand spends and any Merchant EMI spends.
- 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands), up to a maximum of 500 NeuCoins per calendar month.
- Additional 5% back as NeuCoins on selected categories on Tata Neu App/Website after downloading Tata Neu App and registering for Tata NeuPass.
- Note that NeuCoins will not accrue for fuel spends, wallet loads, and Smart EMI/Dial an EMI transactions.
- As of January 1, 2023:
- Rental and government-related transactions do not earn reward points.
- Grocery transactions are capped at 2,000 reward points per month for the Tata Neu Infinity HDFC Bank Credit Card.
- Property management services (including rent) have a maximum capping of 1,000 NeuCoins per month until December 31, 2022.
- Bill payments (Tata Pay), Tanishq, Cult.fit, Air India, and Tata Play spends are not eligible for additional 5% NeuCoins via NeuPass Membership.
Additional Features:
- Zero lost card liability: In case of losing your Tata Neu Infinity HDFC Bank Credit Card, reporting it immediately to the 24-hour call center ensures zero liability for fraudulent transactions.
- Foreign currency markup: 2% on all foreign currency spends.
- Revolving credit: Available at a nominal interest rate on your Tata Neu Infinity HDFC Bank Credit Card.
Lounge Access:
- Domestic Lounge Access (VISA/RuPay Card): Enjoy 8 complimentary domestic lounge access visits per calendar year (2 in a quarter). A charge of ₹2 (VISA/RuPay) applies for each lounge access.
- International Lounge Access (VISA Card): Use Priority Pass for up to 4 complimentary lounge access visits per calendar year (1 per quarter) outside India. Exceeding the 4 complimentary visits incurs a charge of US $27 + GST
To apply for the Tata Neu Infinity HDFC Bank Credit Card and explore its rewards,
Visit the official HDFC Bank page 👉 Apply here
2. SBI Cashback Credit Card :
The Cashback SBI Card is a credit card that offers some fantastic benefits and features. Let’s dive into the details:
Cashback Rewards:
- Online Spends: You get 5% cashback on all your online purchases without any merchant restrictions.
- Offline Spends: For in-store shopping, you receive 1% cashback.
- The cashback is hassle-free and will be auto-credited to your SBI Card account within two working days of your next statement generation.
Spend-Based Reversal:
- If you spend Rs. 2,00,000 or more annually, the renewal fee for the second year onwards (which is Rs. 999) gets reversed.
- So, the more you use your card, the better the benefits!
Fuel Surcharge Waiver:
- Enjoy a 1% fuel surcharge waiver across all petrol pumps in India when you use your Cashback SBI Card.
Fees and Charges:
- Joining Fee (one-time): Rs. 999
- Renewal Fee (Per Annum): Rs. 999 from the second year onwards (reversed if annual spends for the last year are >= Rs. 2,00,000).
Accepted Worldwide:
- The Cashback SBI Card is easy to use and accepted globally, allowing you to save on your everyday expenses.
Ready to enjoy these privileges?
👉 Apply Now for the Cashback SBI Cashback Card !
👉 Click here to Full Review video on Youtube !!
3. HDFC Millennia Credit Card :
The HDFC Bank Millennia Credit Card is a fantastic choice for those seeking lifestyle benefits and rewards. Let’s explore its key features:
Cashback Rewards:
- Online Spends: Earn 5% cashback on popular platforms such as Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
- Offline Spends: Get 1% cashback on all other online and offline transactions (except fuel).
- Quarterly Gift Vouchers: For spends of ₹1,00,000 or more in each calendar quarter, you receive gift vouchers worth ₹1,000.
- Swiggy Dineout Discount: Enjoy up to 20% off at partner restaurants via Swiggy Dineout.
- Note: As of January 1st, 2023, rent payments and government-related transactions do not earn reward points
Additional Features:
- Zero Lost Card Liability: In case of card loss, report it immediately to the 24-hour call center to have zero liability for fraudulent transactions.
- Interest-Free Credit Period: Benefit from up to 50 days of interest-free credit from the date of purchase (subject to merchant submission).
- Revolving Credit: Available at a nominal interest rate.
- Exclusive Dining Privileges: Enjoy dining discounts via the Good Food Trail program and Swiggy Dineout.
- Lounge Access: Effective December 1st, 2023, lounge access is integrated into quarterly spends milestones. Achieve the milestone to get either a Dreamfolks airport lounge access voucher or a ₹1,000 voucher from a list of brands
Fuel Surcharge Waiver:
- Get a 1% fuel surcharge waiver at all fuel stations across India (on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle).
Welcome Benefit:
- Pay your joining membership fee and receive a gift voucher equivalent to the fee amount (applicable only on payment of joining membership fee).
Renewal Offer:
- Spend ₹1 lakh or more in the preceding 12 months to waive off the renewal membership fee for the next year.
Smart EMI:
- Convert significant purchases into EMIs after the purchase.
Contactless Payment:
- The HDFC Bank Millennia Credit Card supports contactless payments for fast, convenient, and secure transactions at retail outlets.
Ready to embrace inspired living with the HDFC Bank Millennia Credit Card?
👉 Apply now and enjoy the benefits! 🌟💳🎉
4. Axis Bank ACE Credit Card :
The Axis Bank ACE Credit Card is a fantastic choice for those seeking cashback rewards and lifestyle benefits. Let’s explore its key features:
Cashback Rewards:
- Online Spends: Earn 5% cashback on bill payments (electricity, internet, gas, and more) and DTH and mobile recharges on Google Pay.
- Popular Platforms: Get 4% cashback on Swiggy, Zomato, and Ola.
- Other Spends: Enjoy 2% cashback on all other transactions.
- The cashback is automatically credited to your ACE Credit Card account.
Lounge Access:
- Enjoy 4 complimentary lounge visits per calendar year at select domestic airports with your ACE Credit Card. Check the list of airports and detailed terms and conditions here.
Fuel Surcharge Waiver:
- Avail a 1% fuel surcharge waiver on fuel purchases at all fuel stations across India.
- Valid on transactions between ₹400 to ₹4,000.
- Maximum benefit of up to ₹500 per statement cycle.
- Note that GST charged on fuel surcharge won’t be refundable.
Dining Delights:
- Indulge in delectable cuisines and enjoy up to 20% off at 4,000+ partner restaurants in India.
Convert Purchases to EMI:
- No matter how big your next Credit Card purchase, go right ahead. Just contact us and convert your transaction of ₹2,500 or more into EMI.
Contactless Payment:
- The Axis Bank ACE Credit Card supports contactless payments for fast, convenient, and secure transactions at retail outlets.
Ready to embrace the benefits of the ACE Credit Card?
👉 Apply Now and enjoy the perks! 🌟💳
5. Amazon Pay ICICI Bank Credit Card :
The Amazon Pay ICICI Bank Credit Card is a rewarding credit card designed for frequent Amazon shoppers in India. Here are the key features and benefits:
No Joining Fee or Annual Fee: You can get this card without any joining or annual fees
. It’s a lifetime free credit card.Cashback on Amazon Transactions:
- 5% cashback on transactions made at Amazon India for Amazon Prime members
- 3% cashback on spends at Amazon India, even if you’re not an Amazon Prime member
Exclusive Privileges:
- Dining Savings: Enjoy 15% savings on dining bills at over 2,500 restaurants across India through the Culinary Treats Programme.
- Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharge payments each time you refuel.
- Partner Merchants: Use the card on Amazon Pay and earn 2% cashback on payments to 100+ partner merchants.
- Other Expenses: Earn 1% cashback on all other expenses like shopping, dining, insurance payments, and travel costs
Redemption Options:
- Reward earnings can be used to purchase from over 10 crore products on Amazon India and at more than 100 merchant partners
No-Cost EMI Offers:
- The card also offers no-cost EMI options for eligible purchases.
Whether you’re shopping online or dining out, the Amazon Pay ICICI Bank Credit Card ensures you earn cashback and enjoy exclusive offers. Plus, there’s no joining or annual fee, making it a convenient choice for Amazon enthusiasts! 🛒🎉
6. IndusInd Bank Legend Credit Card :
The IndusInd Bank Legend Credit Card is a super-premium card designed for lifestyle and travel enthusiasts. Let’s explore its features and benefits:
Reward Points:
- Earn reward points on your everyday spends.
- Weekday Spends: ₹100 spent = 1 reward point.
- Weekend Spends: ₹100 spent = 2 reward points
- Bonus earnings await you as well!
Redemption Options:
- You’ve earned reward points, and now it’s time to redeem them:
- Airline Miles: Convert your points to air miles.
- Cash Credit: Redeem points for cashback.
- Vouchers: Use points for vouchers.
- IndusMoments: Explore exclusive experiences and offers.
- Pay with Rewards: Pay for purchases using your reward points.
- You’ve earned reward points, and now it’s time to redeem them:
Luxury Perks and Benefits:
- Oberoi Hotels: Indulge in best-in-class luxury at the Oberoi Chain of Hotels. Enjoy a complimentary stay at your favorite Oberoi Hotel in India
- Montblanc Post Card: A special gift awaits you.
- Vouchagram: Experience premium indulgence.
- Vouchagram Premium: Elevate your lifestyle.
Travel Privileges:
- Priority Pass Membership: Complimentary access to airport lounges.
- Travel Insurance: Coverage for lost baggage, delayed baggage, loss of passport, missed connection, and more.
- Lounge Usage: Up to 8 lounge visits per year
Contactless Card:
- The Legend Visa Credit Card offers a unique contactless feature for fast, convenient, and secure everyday purchases.
No Annual Fee:
- The IndusInd Bank Legend Credit Card is a lifetime free credit card, which is quite rare in the premium card segment
Whether you’re a frequent traveler or simply appreciate luxury, the IndusInd Bank Legend Credit Card provides a host of benefits, from reward points to exclusive experiences. Apply for this card and enjoy the perks! 🌟🛫🎁
7. Axis Bank Indian Oil RuPay Credit Card :
The Axis Bank IndianOil RuPay Credit Card is a fuel-focused credit card that offers attractive benefits for those who frequently refuel at Indian Oil outlets. Let’s explore its features:
Welcome Benefit:
- Earn 100% cashback (up to ₹250) on your first fuel transaction within the first 30 days of card issuance
- This means you can effectively get your first fuel purchase for free!
Accelerated Reward Points:
- IOCL Fuel Outlets: Enjoy a 4% value back on fuel transactions by earning 20 reward points per ₹100 spent at any Indian Oil Corporation Limited (IOCL) fuel outlet in India.
- Online Shopping: Get a 1% value back on online shopping by earning 5 reward points per ₹100 spent at online merchants
Fuel Surcharge Waiver:
- Say goodbye to fuel surcharges! Use your card for fuel spends at any fuel outlet in India (between ₹200 and ₹5000) to avail the waiver.
- Maximum waiver of ₹50 per statement cycle
Spend-Based Annual Fee Waiver:
- If you spend more than ₹50,000 in a year, you’ll be eligible for an annual fee waiver.
- Note that rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are not eligible for fee waiver
Instant Discount on BookMyShow:
- Enjoy an instant discount of up to 10% on movie tickets booked via the BookMyShow app or website.
- Simply apply the necessary offer from the BookMyShow offers section
EDGE REWARD Loyalty Points:
- Earn 1 EDGE REWARD point for every ₹100 spent with your credit card. Explore redemption options in the eDGE loyalty Rewards Catalogue.
Dining Delights:
- Savor delectable cuisines with Axis Bank Dining Delights, offering up to 15% discount at partner restaurants in India via EazyDiner.
- Details: 15% off up to ₹500, valid once per card per month
Fees & Charges:
- Joining Fee: ₹500
- Annual Fee:
- 1st Year: Nil
- 2nd Year onwards: ₹500
- Add-on card joining and annual fees: Nil
- Other charges include cash payment fee, duplicate statement fee waiver, outstation cheque fee waiver, and more
👉 Apply Now for IndianOil Axis Bank RuPay Credit Card !!
The IndianOil Axis Bank RuPay Credit Card is an excellent choice for fuel enthusiasts, offering cashback, rewards, and dining perks. Apply now and fuel up with savings! 🚗💳🛢️
8. IDFC FIRST Power Plus Credit Card :
The IDFC FIRST Power Plus Credit Card is your preferred ride for a life in the fast lane! Let’s explore its features and benefits:
Annual Fee and Welcome Benefits:
- Joining Fee: ₹199
- Annual Fee (2nd year onwards): ₹199
- Welcome Benefits: Worth ₹1,400
- Annual Fee Waived Off: On spends of ₹50,000 or more in a year
Fuel Savings:
- Save up to ₹7,000 annually with this credit card, which is equivalent to buying you 65+ liters of fuel.
- Up to 5% savings on your fuel expenses.
- 2.5% savings as Rewards on grocery and utility expenses.
- 2.5% savings as Rewards on IDFC FIRST FASTag recharge.
- 2X Rewards on other retail transactions
Exciting Welcome Benefits & Merchant Offers:
- ₹250 cashback on your first HPCL fuel transaction of ₹250 or above.
- 5% cashback (up to ₹1,000) on the transaction value of your first EMI conversion.
- ₹150 discount on orders above ₹500 on Swiggy.
- ₹500 discount on ZoomCar rentals.
- Up to 50% discount on domestic and international rental cars with Eco Rent A Car and Europcar (within 30 days of card setup).
Powerful Lifestyle Privileges:
- Complimentary Roadside Assistance worth ₹1,399.
- Personal Accident Cover of ₹2,00,000.
- Lost Card Liability Cover of ₹25,000.
- EMIfy your purchases and balances for convenience of payment.
- Extend add-on card to your pillion rider and boost your savings without extra charges.
- Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card setup)
Power of UPI Now on Your Credit Card:
- Enable UPI to earn rewards even on your UPI spends.
- Enjoy an interest-free credit period on UPI purchases.
- EMIfy your UPI purchase above ₹2,500.
- Set up UPI easily through your preferred UPI app1.
Lower Interest Rates:
- Dynamic interest rates starting at 9% per annum.
- 0% interest on ATM cash withdrawals until the due date
Get ready to accelerate your savings and enjoy the fast lane with the IDFC FIRST Power Plus Credit Card! Apply now and experience the power of rewards and convenience 🚗💳🔥.
9. Standard Chartered EaseMyTrip Credit Card :
The Standard Chartered EaseMyTrip Credit Card is a co-branded travel card that offers a host of benefits for travel enthusiasts. Let’s explore its features:
Annual Fee and Welcome Benefits:
- Joining Fee: ₹199
- Annual Fee (2nd year onwards): ₹199
- Welcome Benefits: Worth ₹1,400
- Annual Fee Waived Off: On spends of ₹50,000 or more in a year
Rewards on Travel Bookings:
- 10x rewards on every ₹100 spent at standalone hotel and airline websites/apps/outlets.
- Flat 20% & 10% instant discount on hotel and flight bookings respectively at EaseMyTrip website/app.
- Enjoy free lounge access – 1 domestic per calendar quarter and 2 international per year
Assured Discounts on Travel Bookings:
- Use promo code “EMTSCB” for:
- Flat 20% instant discount on domestic & international hotel bookings (Max discount of ₹5,000 and ₹10,000 respectively).
- Flat 10% off on domestic & international flight bookings (Max discount of ₹1,000 and ₹5,000 respectively).
- ₹125 off on bus ticket bookings (On minimum ticket booking of ₹500).
- Use promo code “EMTSCB” for:
Additional Features:
- Supplementary Credit Card: Extend the benefits to your family members.
- Contactless Credit Card: Enjoy faster checkouts and secure payments.
- Secure Online Transactions: Enhanced security for online transactions.
- Digital Payment Solutions: Use BharatQR, Bharat Bill Payment Solution (BBPS), and Samsung Secure Pay.
- Kuch Bhi on EMI: Convert big spends above ₹2,000 to easy EMIs.
- 360° Rewards: Redeem rewards points against a wide online catalogue.
- Dial-a-loan: Get a loan up to ₹5,00,000 on your credit card.
- Balance Transfer: Transfer card balance from other bank credit cards.
- Balance EMI: Convert outstanding balance into EMIs with zero processing fees
👉 Apply Now Standard Chartered EaseMyTrip Credit Card !
Whether you’re a frequent traveler or just planning your next trip, the Standard Chartered EaseMyTrip Credit Card offers discounts, rewards, and convenience. Apply now and #SkipToTheTrip! 🌍🛫💳
10. HDFC IRCTC Rupay Credit Card :
The HDFC Bank RuPay IRCTC Credit Card is a co-branded travel card issued by HDFC Bank in partnership with the Indian Railway Catering and Tourism Corporation (IRCTC). This card is specifically designed for frequent train travelers in India and offers a range of benefits and rewards
Here are the key features and benefits of the HDFC Bank RuPay IRCTC Credit Card:
Reward Points:
- Earn 5 Reward Points for every INR 100 spent on IRCTC ticketing website and Rail Connect App.
- Earn 1 Reward Point for every INR 100 spent on all other purchases.
- Get an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
- Enjoy 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).
- 1% transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App (maximum waiver of INR 1,000 per statement cycle).
Interest-Free Credit Period:
- Up to 50 days of interest-free period on your HDFC Bank RuPay IRCTC Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).
- Revolving Credit is available at a nominal interest rate on your card.
Fuel Surcharge Waiver:
- Enjoy a 1% fuel surcharge waiver at all fuel stations across India (on a minimum transaction of INR 400 and a maximum transaction of INR 5,000, with a maximum waiver of INR 250 per statement cycle).
Welcome Benefits:
- Receive a Welcome Gift voucher worth INR 500 upon card activation by performing one transaction of any amount within the first 37 days of card issuance.
Milestone Benefits:
- Get a gift voucher worth INR 500 on quarterly spends of INR 30,000 or more (every 90 days from the issuance date).
Smart EMI Option:
- Convert big spends into EMI after purchase.
Contactless Payment:
- The IRCTC HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure transactions at retail outlets.
👉 Apply Now for IRCTC HDFC Bank Credit Card !!
Remember that reward points will lapse on expiry of two years from the date of issuance, and redemption can be made only against 70% of the fare ticket amount on train ticket bookings via HDFC Bank SmartBuy, inclusive of fares of all passengers and service charges levied by IRCTC
If you’re a frequent train traveler, this card could be a great addition to your wallet! 🚂🌟
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