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Credit cards are one of the most widely used financial tools in the world today. They allow consumers to make purchases on credit, without having to pay the full amount upfront. Credit cards come with a range of features and benefits, including cashback, reward points, discounts, and more. In India, there are several credit cards available, each with its own set of features and benefits. In this article, we will look at India’s top 10 credit cards with the best features.
The HDFC Bank Regalia Credit Card is one of the best credit cards available in India. It offers a wide range of benefits, including airport lounge access, rewards points, and travel benefits. The card also comes with a low-interest rate, making it an excellent choice for people who want to save money on interest payments.
Features:
- Elite Memberships: Enjoy the prestige of Club Vistara Silver Tier and MMT Black Elite memberships as welcome perks.
- Voucher Rewards: Earn ₹1,500 worth of vouchers quarterly on spends of Rs. 1.5 lakh. For annual spends of Rs. 5 lakh, gain ₹5,000 worth of flight vouchers, and an additional ₹5,000 voucher on spends of Rs. 7.5 lakhs.
- Enhanced Rewards: Receive 5X Reward Points on purchases at Marks & Spencer, Myntra, Nykaa & Reliance Digital.
- Airport Lounge Access: Relax in luxury with complimentary lounge access across 1000+ airports globally.
- Reward Points: Earn 4 Reward Points for every Rs. 150 spent on retail purchases, enhancing your reward accumulation effortlessly.
The American Express Platinum Travel Credit Card is an excellent choice for people who love to travel. The card offers a wide range of travel benefits, including airport lounge access, hotel discounts, and travel vouchers. It also comes with a low-interest rate, making it an excellent choice for people who want to save money on interest payments.
Features:
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Welcome Offer: Enjoy a welcome bonus in the form of travel vouchers and a collection of Reward Points upon card activation.
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Annual Fee: The card carries an annual fee of Rs. 5,000 plus applicable taxes, providing access to a host of travel benefits.
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Travel Benefits: Avail complimentary access to premium travel lounges at airports in India and abroad, enhancing your travel experience. Get Travel Vouchers on meeting specific annual spending thresholds, facilitating room upgrades and more.
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Hotel Privileges: Unlock exclusive hotel benefits and discounts at partner hotels, adding value to your stays.
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Reward Points: Earn Reward Points on each transaction, accumulating points quickly with accelerated rewards on travel spends.
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Travel Insurance: Benefit from comprehensive travel insurance coverage, including medical emergencies and baggage loss/delay coverage.
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Redeemable Points: Redeem earned points for various options, including flight tickets, hotel bookings, and exclusive merchandise, amplifying the card’s flexibility and utility.
The Citibank PremierMiles Credit Card is an excellent choice for people who love to travel. The card offers a wide range of travel benefits, including airport lounge access, air miles, and hotel discounts. It also comes with a low interest rate, making it an excellent choice for people who want to save money on interest payments.
Features:
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Travel Rewards: Earn miles for every spend, which can be redeemed across multiple airlines, hotels, and travel bookings, providing flexibility in travel options.
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Welcome Offer: Avail a generous welcome gift of miles upon card activation, making the start of your journey rewarding.
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Airport Lounge Access: Enjoy complimentary access to airport lounges globally, ensuring a relaxing and comfortable pre-flight experience.
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Travel Insurance: Benefit from comprehensive travel insurance coverage, including medical emergencies and flight inconvenience coverage, ensuring peace of mind during travels.
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Dining and Entertainment Offers: Access exclusive dining and entertainment offers, adding value to your lifestyle beyond travel.
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Miles Transferability: The card allows the flexibility to transfer miles to several partner airlines, increasing redemption options and value.
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Annual Fee Waiver: Benefit from an annual fee waiver for the first year, providing value right from the start
The SBI Card Elite is one of the best credit cards available in India. It offers a wide range of benefits, including airport lounge access, rewards points, and travel benefits. The card also comes with a low-interest rate, making it an excellent choice for people who want to save money on interest payments.
Features:
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Joining Fees and Welcome Vouchers: An initial joining fee of Rs. 4,999 is charged, which is reimbursed as a welcome gift voucher of equivalent value.
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Annual Membership Fee: An annual fee of Rs. 4,999 applies for subsequent years.
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Reward Points: Earn rewards through the Elite card’s robust rewards program. Benefit from gift vouchers or reward points worth Rs. 5,000 as part of the rewards program.
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Travel and Entertainment Perks: Avail of benefits such as complimentary lounge access, golf privileges with free rounds, and discounts on golf games, along with movie ticket benefits and exclusive dining offers.
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Exclusive Partner Privileges: Enjoy special privileges with partnering brands, including offers and discounts from Mastercard, Visa, and American Express.
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PSB SBI Card Elite: Explore PSB SBI Card Elite, which offers additional benefits like complimentary movie tickets, Trident privileges, Club Vistara memberships, and lounge access
The Axis Bank Vistara Credit Card is an excellent choice for people who love to travel. The card offers a wide range of travel benefits, including airport lounge access, air miles, and hotel discounts. It also comes with a low-interest rate, making it an excellent choice for people who want to save money on interest payments.
Features:
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Joining Fees: It has a standard joining fee ranging from INR 1,500 to INR 3,000, offering various benefits upon enrollment.
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Benefits: Enjoy complimentary economy class tickets, Club Vistara Memberships, and earn Club Vistara points for every swipe.
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Additional Variants: Axis Bank offers different variants like Vistara Infinite Credit Card and Vistara Signature Credit Card. Each variant provides enhanced benefits such as complimentary business class tickets and premium economy tickets, respectively.
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Privileges: Avail benefits like complimentary memberships, airport lounge access, and accelerated reward points on specific spends.
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Fees & Charges: Apart from the joining fee, the card has standard annual fees with variations across different variants. These fees correspond to the level of benefits offered.
The ICICI Bank Coral Credit Card is an excellent choice for people who want a credit card with a low-interest rate. The card offers a wide range of benefits, including airport lounge access, rewards points, and travel benefits.
Features:
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Joining Fee: INR 500 + GST, followed by an annual fee of INR 500 + GST from the 2nd year onwards, waived if annual spending exceeds INR 1,50,000.
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Benefits & Advantages:
- Entertainment Rewards: Earn PAYBACK points on transactions for exclusive shopping rewards.
- Movie Benefits: Enjoy discounts on movie ticket bookings online and offline.
- Reward Points: Earn 10,000 reward points every anniversary year and 2 reward points on every INR 100 spent.
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Suitability:
- Ideal for individuals seeking rewards and cashback on regular spends.
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Fees Structure:
- Reasonable joining and annual fees with the opportunity for fee waiver based on annual spending.
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Additional Information:
- Features include a range of benefits tailored for entertainment, shopping rewards, and cashback on everyday expenses.
This is a credit card offered by Standard Chartered Bank. It is a rewards credit card that offers various benefits and features to cardholders.
Features:
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Joining Fee and Annual Fee: Joining fee of Rs. 999 and an annual fee thereafter.
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Rewards and Cashback:
- 5% Cashback: Earn 5% cashback on supermarket spends.
- 3X Rewards: Accumulate 3x reward points on other transactions.
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Welcome Benefits:
- Enjoy 5,000 reward points as a welcome benefit upon payment of the joining fee.
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Offers and Discounts:
- Avail attractive discounts and offers on various categories including groceries and transactions.
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Eligibility Criteria:
- No specific eligibility criteria are mentioned, however, typically, credit card eligibility involves income, credit score, and other bank-specific criteria.
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Cashback and Rewards Redemption:
- Provides cashback and rewards redemption options for shopping, expenses, and transactions.
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Additional Benefits:
- Enrolled in the bank’s Good Life Program offering lifestyle privileges and benefits.
8. ICICI Bank Amazon Pay Credit Card
Introducing the ICICI Bank Amazon Pay Credit Card, a dynamic offering designed to transform your shopping experiences into rewarding journeys. Let’s explore its enticing features and benefits:
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Leveraging Amazon Pay: This card seamlessly integrates with Amazon Pay, empowering users to make convenient and secure transactions on Amazon and beyond.
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Cashback Bonanza:
- Amazon Spends: Enjoy higher rewards and cashback on Amazon transactions.
- Joining Benefits: Avail joining benefits like cashback offers, which may vary over time.
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User-Friendly Utility:
- Simplified Transactions: Seamlessly conduct payments through Amazon Pay, simplifying your shopping experiences.
- Versatile Usage: Use the card for various other purchases and bill payments.
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Exclusive Perks:
- Special Amazon Offers: Access exclusive deals and discounts on Amazon purchases.
- Reward Accumulation: Accumulate reward points with every transaction, enhancing your benefits over time.
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User Experience Insights:
- Users’ experiences vary, with some expressing satisfaction while others may have encountered discrepancies in rewards.
9. Kotak Mahindra Bank Royale Signature Credit Card
The Kotak Mahindra Bank Royale Signature Credit Card epitomizes luxury and convenience, offering an array of benefits tailored to complement your lifestyle:
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Exquisite Dining Offers: Indulge in delectable culinary experiences with discounts and exclusive offers at select restaurants and dining outlets nationwide.
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Travel Perks:
- Airport Lounge Access: Enjoy complimentary lounge access at airports in India, making your travel experiences more comfortable.
- Milestone Rewards: Unlock rewards based on your spending milestones, adding value to every journey.
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Shopping Benefits:
- Reward Points: Earn reward points on every transaction, transforming your shopping into rewarding experiences.
- Security Features: Advanced security protocols ensure safe and secure transactions, providing peace of mind while shopping online or in-store.
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Convenience and Assistance:
- Priority Assistance: Experience priority services with dedicated attendants for all your queries and assistance.
- Fuel Surcharge Waiver: Avail of fuel surcharge waivers, making your refueling experiences more economical.
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Annual Fee and Eligibility:
- Fee Structure: Understand the annual fees and charges associated with this card to make an informed decision.
- Eligibility Criteria: Ensure you meet the eligibility requirements before applying for this card.
10. HSBC Cashback Credit Card
Welcome to the world of rewarding spending experiences with the HSBC Cashback Credit Card. This card is designed to elevate your financial journey with a host of benefits tailored to fit your lifestyle:
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Cashback Rewards: Enjoy the perks of earning while you spend. Get 1.5% cashback on online transactions and 1% cashback on offline purchases, making every expense count towards your savings.
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Zero Joining Fee: Embrace the benefits right from the start! There’s no joining fee, ensuring you can start reaping the rewards without any initial financial commitment.
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Unlimited Cashback Opportunities: Say goodbye to limitations! This card offers unlimited cashback opportunities on all transactions made, whether it’s shopping, dining, or utility payments.
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Exclusive Welcome Benefits: As a welcome gesture, get exclusive benefits such as gift vouchers from leading brands like Amazon, making your start with the card even more rewarding.
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Annual Fee: While the annual fee is Rs 750, for cards issued during specific periods, the first-year annual fee might be waived, offering an even more attractive deal.
