Top 10 Credit Cards in 2024
Credit cards are one of the most popular and convenient ways to pay for goods and services in the modern world. But with so many options available, how do you choose the best one for your needs? In this blog post, we will review the top 10 credit cards in 2024 based on their features, benefits, fees, rewards, and customer satisfaction. Whether you are looking for a low-interest rate, a generous cashback program, a travel-friendly card, or a card that suits your lifestyle, we have you covered. Read on to find out which credit card is right for you!
Grocery: Tata Neu HDFC Infinity Credit Card:
If you are looking for a credit card that offers you great benefits on grocery shopping, you might want to consider the Tata neu HDFC infinity credit card. This card gives you up to 5% cashback on all grocery purchases, with no minimum spend requirement or monthly cap. You also get access to exclusive discounts and offers from Tata Neu, India's leading online grocery store. Plus, you can enjoy other perks like a Tata Neu fuel surcharge waiver, zero annual fees, and complimentary lounge access. With the Tata Neu HDFC Infinity credit card, you can save more on your everyday essentials and enjoy a hassle-free shopping experience.
Joining and Annual Fees: INR 1499/-
Interest Rate: 3.49% per month i.e. 41.88% annually
Special Feature: 5% back as NeuCoins: Earn 5 NeuCoins for every ₹100 spent on non-EMI spends across Tata Neu and partner Tata brands like Croma, Westside, BigBasket, Tata 1mg, IHCL Hotels, AirAsia India, and Qmin. 1.5% back as NeuCoins: Get 1.5% NeuCoins on non-Tata brand spends and any merchant EMI spends.
Welcome Benefit: Get 1,499 NeuCoins on Tata Neu App (as a 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.
Petrol: BPCL SBI Card Octane:
If you are looking for a credit card that rewards you for fuel purchases, you might want to consider the BPCL SBI Card Octane. This card offers you 25X reward points on fuel spends at BPCL outlets, along with 6.25% value back. You also get 10X reward points on dining, movies, groceries and departmental stores. Plus, you can enjoy benefits like annual fee reversal, fuel surcharge waiver, complimentary lounge access and more. The BPCL SBI Card Octane is a smart choice for anyone who wants to save money and earn rewards on their everyday expenses.
Joining Fees and Annual Fees: INR 499+GST
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 points on spending every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants.
Cashback: Amazon Pay ICICI Bank Credit Card:
Amazon Pay ICICI Bank Credit Card is a co-branded credit card that offers you many benefits and rewards. With this card, you can earn up to 5% cashback on your purchases on Amazon.in, and up to 2% cashback on other categories. You can also enjoy no-cost EMI, fuel surcharge waiver, and zero annual fee. This card is powered by Visa, which means you can use it at millions of merchants worldwide. Whether you are shopping online or offline, Amazon Pay ICICI Bank Credit Card is the perfect companion for your lifestyle.
Joining Fees, Annual Fees and Supplementary Card Fees: There is no joining fee for the Amazon Pay ICICI Bank Credit Card.
Interest Rate: 3.5% - 3.8%p.m. or 42% - 45.6%p.a.
Reward System: 5% cashback: Prime members earn 5% cashback on all Amazon purchases except specific categories like flights, ebooks, gift cards, etc. 3% cashback: Non-Prime members still get 3% cashback on all Amazon purchases except the same excluded categories. 2% cashback: Earn 2% cashback on payments at over 100 Amazon Pay partner merchants like Swiggy, Zomato, Cleartrip, etc.
Special Feature: There is no maximum cap for the rewards earned on Amazon Pay ICICI Bank credit card.
Travel: Federal Bank Scapia Credit Card:
Scapia Federal Bank offers a range of credit cards to suit your needs and lifestyle. Whether you want to earn rewards, cash back, travel benefits, or low interest rates, you can find a card that works for you. You can also enjoy features such as fraud protection, online banking, mobile app, and contactless payments. Apply online today and get a decision in minutes.
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.
Food Delivery: HDFC Swiggy Credit Card:
HDFC Swiggy Credit Card is a co-branded credit card that offers benefits and rewards for online food ordering. The cardholders can enjoy up to 50% discount on Swiggy orders, 10X reward points on dining and grocery spending, and a complimentary Swiggy Pro membership for one year. The card also provides a fuel surcharge waiver, zero liability on lost cards, and access to exclusive offers and discounts from HDFC Bank.
Joining Fee / Renewal Membership Fee: ₹500 /- + Applicable Charges.
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Welcome Benefit: Complimentary Swiggy One Membership for 3 months on card activation.
Special Feature: Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application on the following Swiggy platforms -
Food ordering
Instamart
Dineout
Genie
Dine Out: HDFC Infinia Credit Card:
HDFC Infinia credit card is a premium card that offers you exclusive benefits on dining out. With this card, you can enjoy unlimited 50% discount at over 3000 restaurants across India, as well as complimentary membership to Zomato Pro and Dineout Passport. You can also earn 10X reward points on dining spends and redeem them for travel, shopping, or cashback. HDFC Infinia credit card is the ultimate card for food lovers who want to savour the best cuisines and experiences.
Joining fee: Rs.12,500
Interest Rate: 1.99% per month i.e. 23.88% annually.
Welcome Benefits: Complimentary Club Marriott membership. And Complimentary Club Marriott embership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region.
Special Feature: Unlimited Complimentary golf games at leading courses across India and select courses across the world.
Entertainment: Axis Bank Select Credit Card:
If you are looking for a credit card that offers you great movie and entertainment benefits, you should consider the Axis Bank Select credit card. This card gives you a 25% cashback on movie tickets booked through BookMyShow, up to Rs. 100 per month. You also get a complimentary Zomato Pro membership for 12 months, which gives you access to exclusive deals and discounts on dining and delivery. Plus, you get access to over 1200 airport lounges across the world, free insurance cover, and reward points on every spend. The Axis Bank Select credit card is a premium card that lets you enjoy life to the fullest.
Joining Fee: INR 3,000
Interest Rate: 3.6% per month (52.86% per annum)
Welcome Benefits: Amazon voucher worth Rs 2000 on your first card transaction within 90 days of issuance.
Special Feature: 40% off up to a maximum of Rs. 200 on Swiggy mobile app/ website. Buy one and get up to Rs 300 off on the second ticket on BookMyShow.
Secured Credit Card: BOB Assure Credit Card:
The BOB Assure Credit Card is a secured credit card offered by Bank of India to its customers who have a fixed deposit account with the bank. The card has a credit limit of up to 80% of the FD amount, subject to a minimum of Rs. 10,000 and a maximum of Rs. 5,00,000. The card comes with various benefits such as zero annual fee, free add-on cards, reward points, fuel surcharge waiver, and insurance cover. The card also has a low interest rate of 1.70% per month and a grace period of up to 51 days.
Joining and Annual Fees: INR 500
Interest Rate: 3.49% per month (41.88% per annum)
Welcome Benefit: None
Special Feature: Withdraw cash up to 100% of your Credit Limit, in case of any emergency.
Health and Wellness: Yes Bank Wellness Plus Credit Card:
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.
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.
Women Shopping Credit Card: Myntra Kotak Credit Card:
If you love shopping online, you will love the Myntra Kotak Credit Card. This card gives you amazing benefits and rewards on your purchases from Myntra and other partner websites. You can earn up to 10% cashback on Myntra, 4% on other online fashion platforms, and 2% on all other online spends. You also get access to exclusive discounts, deals, and offers on Myntra. Plus, you can enjoy a welcome gift of Rs. 500 Myntra points and a free Myntra Insider membership for one year. All this for a nominal annual fee of Rs. 500, which is waived off if you spend more than Rs. 30,000 in a year. Apply now and get ready to shop till you drop with the 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.
Conclusion:
To sum up, these are the top 10 credit cards in 2024 that can help you save money, earn rewards, and enjoy perks. Whether you are looking for a low-interest rate, a generous cashback program, or a travel-friendly card, there is an option for you on this list. Remember to compare the features, fees, and benefits of each card before applying, and use your credit responsibly. We hope this blog post has helped you find the best credit card for your needs and goals.