Compare Top 15 Fuel, Travel and Budget Saving Credit Cards in 2024:
If you are looking for a credit card that can help you save money on fuel, travel and other expenses in 2024, you might be overwhelmed by the number of options available. How do you compare the different features, benefits and fees of each card? How do you know which one suits your needs and preferences best? In this article, we will introduce you to some of the top credit cards in these categories and show you how to evaluate them based on various criteria. We will also give you some tips on how to use your credit card wisely and responsibly to maximize your savings and rewards.
Top 5 Fuel Credit Cards:
If you are looking for ways to save money on fuel and LPG, you might want to consider getting a fuel credit card. A fuel credit card is a type of rewards card that offers cash back, points, or discounts on gas purchases. Some fuel credit cards also have other benefits, such as roadside assistance, travel insurance, or car rental discounts. In this blog post, we will review the top 5 fuel credit cards in the market and compare their features, fees, and rewards. Whether you drive a lot or a little, there is a fuel credit card that suits your needs and budget.
CATEGORY | CREDIT CARDS |
Fuel Credit Cards |
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HDFC Bank Moneyback Credit Card:
Joining Fees: INR 500 (Reduced to INR 0, On completing 2 transactions in a month for first 3 consecutive months or on spending INR 20,000 in 90 days).
Interest Rate: 3.6% per month i.e. 43.2% annually.
Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max Cashback of ₹250 per statement cycle).
Special Feature: Customers can earn up to 50 Litres of Free fuel annually.
HDFC Bank Moneyback credit card is a card that rewards you for your spending. You can earn moneyback points on every purchase you make with this card, and redeem them for cashback, vouchers, or air miles. HDFC Bank Moneyback credit card also offers features such as zero liability on lost cards, fuel surcharge waiver, and revolving credit facility. HDFC Bank Moneyback credit card is ideal for those who want to save money while enjoying the convenience and security of a credit card.
IndianOil HDFC Bank Credit Card:
Joining Fees: INR 500 (Reduced to INR 0, On completing 2 transactions in a month for first 3 consecutive months or on spending INR 20,000 in 90 days).
Interest Rate: 3.6% per month i.e. 43.2% annually.
Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max Cashback of ₹250 per statement cycle).
Special Feature: Customers can earn up to 50 Litres of Free fuel annually.
IndianOil HDFC Bank Credit Card is a co-branded card that offers you fuel benefits and rewards on your everyday spending. With this card, you can save up to 5% on fuel purchases at IndianOil outlets, earn up to 5% cashback on grocery, bill payments, and online shopping, and get 1% fuel surcharge waiver across all fuel stations. You can also redeem your reward points for fuel vouchers or other exciting products from the HDFC Bank rewards catalogue. IndianOil HDFC Bank Credit Card is a smart choice for anyone who wants to save money and enjoy convenience on their daily expenses.
UNI Carbon Card:
Joining Fees: (one time)- INR 499.
Annual Fees: INR 499/- (Waiver of annual fee on spending worth Rs. 1,00,000 or more annually).
Interest Rate: 16% p.a.
Fuel Surcharge: 1% fuel surcharge waiver on transaction value of Rs.200 and above at HPCL authorized outlets with a cap of Rs.100 per billing cycle per card.
Special Feature: Accidental insurance coverage Up to Rs. 10.00 lakh.
Uni Carbon Credit Card is a premium card that offers you exclusive benefits and rewards. With this card, you can enjoy unlimited access to airport lounges, travel insurance, cashback on dining and entertainment, and more. You can also earn Uni points for every purchase you make, which you can redeem for flights, hotels, gift cards, and more. Uni Carbon Credit Card is designed for the discerning customer who values convenience, security, and luxury. Apply today and experience the difference.
IDFC First Bank Power HPCL Credit Card:
Joining and Annual Fees: INR 0
Interest Rate: 0.75% - 3.5% Annual Interest Rate - 9% - 42%
Fuel Surcharge: 1%, however it is waived upto INR 100 per month.
Special Feature: 15X reward points on fuel and LPG: Earn an impressive 15X reward points on fuel and LPG purchases at HPCL outlets.
IDFC First Bank Power HPCL Credit Card is a card that offers you many benefits and rewards. With this card, you can save on fuel expenses, earn cashback on online and offline purchases, and enjoy complimentary lounge access at select airports. You can also get attractive interest rates, flexible repayment options, and enhanced security features. Whether you are looking for convenience, savings, or rewards, IDFC First Bank Power HPCL Credit Card is a card that suits your needs.
HSBC Cashback Credit Card:
Joining Fees: INR 0
Interest Rate: 3.49% per month (41.88% annually).
Fuel Surcharge: Does not charge any Fuel Surcharge from the customers.
Special Feature: No fuel surcharge is levied upon customers.
The HSBC Cashback Credit Card is not a fuel credit card but it is a great alternative for those seeking basic cashback rewards, particularly on groceries, dining, and fuel. If you are looking for a credit card that rewards you for your everyday spending, you might want to consider the HSBC Cashback Credit Card. This card offers you up to 1.5% cashback on all your eligible purchases, with no minimum spend or cap. You can also enjoy a range of benefits such as complimentary airport lounge access, travel insurance, and discounts at selected merchants.
Top 5 Travel Credit Cards:
If you love traveling, you know how important it is to have a good credit card that can help you save money and earn rewards. But with so many options out there, how do you choose the best one for your needs? That's why we created this blog, where we will share my top 5 travel credit cards and how they can benefit you. Whether you're looking for cash back, points, miles, or perks, I have a card for you. Read on to find out more!
CATEGORY | CREDIT CARDS |
Travel Credit Cards |
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Scapia Federal Bank Credit Card:
Joining Fees: NIL (Lifetime Free Card)
International Forex Mark-up: 0%
Interest Rate: 41.88% (3.49% per month)
Welcome Benefit: None
Rewards: 10% Scapia coins on all your normal purchases and 20% Scapia coins on all travel purchases through the Scapia app.
Special Feature: Unlimited domestic lounge visits.
Scapia Federal Bank is a leading financial institution that offers a range of products and services to meet your needs. One of our most popular offerings is the Scapia Federal Bank Credit Card, which gives you access to a flexible and convenient way of paying for your purchases.
HDFC Bank INFINIA Credit Card:
Joining and Annual Fees: INR 12,500
International Forex Mark-up: 2%
Interest Rate: 1.99% per month i.e. 23.88% annually.
Welcome Benefit: Complimentary Club Marriott membership to 50 days of interest-free period on your HDFC Bank Infinia Credit Card from the date of purchase.
Rewards: Earn 5 Reward Points on every Rs.150 retail spends
Special Feature: Unlimited Complimentary golf games at leading courses across India and select courses across the world.
HDFC Bank Infinia Credit Card is one of the best premium credit cards in India. It offers unlimited lounge access, complimentary golf lessons, travel insurance, and discounts on dining and shopping. The card also has a low foreign currency markup fee of 2% and a high reward rate of 3.3%. The card is ideal for frequent travelers and high spenders who want to enjoy exclusive benefits and privileges.
Axis Bank Reserve Credit Card:
Joining and Annual Fees: INR 50,000
International Forex Mark-up: 1.5%
Interest Rate: 3.0% per month (42.58% per annum).
Welcome Benefit: 50000 reward points on card activation.
Rewards: You get 7.5 reward points of every INR 100 spent.
Special Feature: Complimentary Club ITC Culinary Membership - which entails complimentary and third night stay, 50% off on room tariff for suites, 25% green points on food and beverage spends.
The Axis Bank Reserve Credit Card is a premium card that offers exclusive benefits and privileges to its customers. With this card, you can enjoy complimentary lounge access, golf privileges, travel insurance, concierge services, and more. You can also earn reward points on every spend and redeem them for a wide range of products and services. The card also comes with a low foreign currency markup fee, a high credit limit, and a flexible repayment option. The Axis Bank Reserve Credit Card is designed to suit your lifestyle and enhance your financial freedom.
Axis Bank Magnus Burgundy Credit Card:
Joining Annual Fees: Rs 10,000 + taxes.
International Forex Mark-up: 2%
Interest Rate: 3 % per month (42.58% per annum).
Welcome Benefit: One complimentary domestic flight ticket or a Tata CLiQ voucher worth Rs.10000 as your annual benefit.
Rewards: You earn 6 Axis EDGE REWARDS Points on every INR 100.
Special Feature: Airport Concierge Services across 29 cities.
This Credit Card is a premium credit card that offers exclusive benefits and privileges to its customers. The Axis Bank Magnus Burgundy, the self-proclaimed "king of rewards cards," promises unmatched rewards, luxury privileges, and an exclusive club feel. Its strong reward rates, lounge access, and Burgundy Club benefits offer undeniable value. However, the high minimum spends, annual fee, and service inconsistencies might deter casual users. Consider your spending habits and travel frequency before committing to this royal court.
RBL World Safari Credit Card:
Joining Fees: NIL for primary cardholders.
Annual Fees: Rs 3000 for primary cardholder.
International Forex Mark-up: 0%
Interest Rate: 3.99% p.m (upto 47.88% p.a)
Welcome Benefit: MakeMyTrip Voucher worth Rs. 3000.
Rewards: Get 5 points on every travel spend of INR 100.
Special Feature: Free Priority Pass membership. This gives you access to over 1,300 airport lounges worldwide.
If you love to travel and explore new places, the RBL World Safari Credit Card is the perfect companion for you. This card offers you a host of benefits and rewards that make your journeys more rewarding and hassle-free. You can enjoy complimentary airport lounge access, free flight tickets, cashback on international spends, fuel surcharge waiver, and much more. Plus, you can earn reward points on every purchase and redeem them for travel vouchers, merchandise, or cash credit. With the RBL World Safari Credit Card, you can turn your travel dreams into reality.
Top 5 Budget Saving Credit Cards:
If you are looking for ways to save money on your credit card bills, you might be interested in this blog. Here, I will share with you my top 5 picks for budget saving credit cards that offer low interest rates, cash back rewards, and other benefits. These cards are suitable for different types of spending habits and financial goals, so you can find the one that best fits your needs. Read on to learn more about these amazing credit cards and how they can help you save money in the long run.
CATEGORY | CREDIT CARDS |
Budget Saving Credit Cards |
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BPCL SBI Card Octane:
Annual Fee (one time): INR 499 + Taxes.
Interest Rate: 3.50% per month (42% per annum)
Welcome Benefit: Get 6000 bonus reward points worth INR 1500 on payment of annual fees.
Special Feature: Get 25 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 6.25% (Capped at 2500 reward points per month).
The SBI BPCL Octane Credit Card is a good choice for people who spend a lot of money on groceries, entertainment, and other expenses like gas. Among its most notable advantages are the fast rewards on a variety of spending categories and the high value back on fuel purchases at specific BPCL gas stations, both of which can help users save money on their regular expenses. The card's benefits include access to airport lounges, travel insurance, and a welcome bonus.
Tata Neu Infinity HDFC Credit Card:
Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes
Interest Rate: 3.49% per month i.e. 41.88% annually
Welcome Benefit: Get 1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
Special Feature: 5% cashback as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
Introducing Tata Neu Infinity HDFC Credit Card, a card that offers you unlimited benefits and rewards. With this card, you can enjoy 5% cashback on all online spends, 2.5% cashback on all offline spends, and 1% fuel surcharge waiver. You also get complimentary access to airport lounges, travel insurance, and concierge services. Plus, you can redeem your reward points for a wide range of products and services from Tata and partner brands. Apply now and get ready to experience the infinite possibilities of Tata Neu Infinity HDFC Credit Card.
Myntra Kotak Credit Card:
Joining and Annual Fees: INR 500
Interest Rate: 3.7% per month, 44.4% per year
Welcome Benefit: Kickstart Your Myntra x Kotak Credit Card Experience with a Myntra Voucher worth Rs.500 on activation of the card. Complete 1 transaction worth Rs. 500 or more within 30 days of card issuance to be eligible for the activation benefit.
Special Feature: Instant Discount of 7.5% on Myntra.
The Myntra Kotak Credit Card caters to frequent shoppers on Myntra and offers additional benefits for specific partner merchants. In addition to numerous other perks, this card offers you an automatic 7.5% discount on Myntra purchases, a Myntra gift card, 1.25% cashback on other purchases, free lounge access, and savings on movie tickets.
AU Small Finance Bank ixigo Credit Card:
Joining and Annual Fees: Nil
Interest Rate: 3.49% Per Month 41.88% annually
Welcome Benefit: You get 1000 Reward Points and Rs. 1,000 worth of ixigo money vouchers on making your first transaction within the first 30 days of card issuance.
Special Feature: 10% discount on flight bookings, bus bookings, and hotel bookings through ixigo. Along with this PG charges are also waived on train bookings twice a month.
Introducing the AU Small Finance Bank ixigo Credit Card, a smart and convenient way to travel and save. With this card, you can enjoy exclusive benefits such as up to 10% cashback on flight and hotel bookings, complimentary lounge access, fuel surcharge waiver, and more. Plus, you can earn ixigo money on every transaction, which can be redeemed for future travel bookings. Apply now and get ready to explore the world with the AU Small Finance Bank ixigo Credit Card.
Yes Bank Wellness Plus Credit Card:
Joining/Annual Membership fees: INR 1499 + GST
Interest Rate: 3.8% p.m (45.6% p.a)
Welcome Benefit: Get a FREE Amazon voucher worth INR 500 on spending INR 1000 within first 30 days.
Special Feature: Up to 12 complimentary fitness sessions per month: You can get up to 12 complimentary fitness sessions per month, such as Gym, Yoga, and Zumba.
The Yes Bank Wellness Plus Credit Card caters to individuals focusing on health and wellness, offering benefits on healthcare spending and rewards. For every Rs. 200 spent with this card, you will receive 6 reward points; if you spend this amount on pharmaceuticals or chemist stores, you will receive 5x reward points. Every YES PayNow signup that is successful earns you 1000 Reward Points. Cardholders also receive free preventative health screenings via the Aditya Birla Multiply app and 12 free fitness sessions per month as part of their health benefits.
Conclusion:
In conclusion, comparing the top 15 fuel, travel and budget saving credit cards can help you find the best option for your needs and preferences. Some of the factors to consider are the annual fee, the rewards rate, the redemption options, the sign-up bonus, the foreign transaction fee and the customer service. Depending on your spending habits and travel goals, you may prefer a card that offers more cash back on gas purchases, or a card that gives you more flexibility in redeeming your points or miles. You may also want to look for a card that has a low or no annual fee, a generous sign-up bonus and a waived foreign transaction fee. By doing some research and comparison, you can save money and enjoy more benefits from your credit card.