Top 5 Credit Cards Launched in 2023
- Vaani Shrivastava
- Feb 1, 2024
- 7 min read
Updated: 6 days ago
Top 5 Credit Cards Launched In 2023
In your case, you need to get a new credit card to meet your financial needs in 2023, which can be confusing given the number of options available in the market. There’s a credit card for every purpose—cashback, travel rewards, dining, shopping, and more. To make your choice easier, here’s a look at the Top 5 Credit Cards Launched in 2023, helping you find the right card that fits your lifestyle and financial goals.
In order to make you feel better, we have created a list of the best 5 credit cards released in 2023 according to their features, perks, costs, and rewards. These are the cards to be singled out and provide something special or offer something of value to the customers. These cards have something to offer you, whether you want to save money, earn miles, have exclusive privileges or access premium services.
FEDERAL BANK SCAPIA CREDIT CARD:
Do you like visiting new places and travelling? Suppose that there would be no need to pay a yearly fee or any charges on international transfers. It is possible through the Scapia Federal Bank Credit Card, which offers 10% Scapia coins on the purchase, 20% discount on travel arrangements made in the Scapia App, in-room access to domestic lounges, and a rate of 2-4 per cent rewards. You will also have access to more, such as round the clock concierge service! Keep in mind, however, that you will not be given Scapia coins when you go abroad. Rather, it has no limit on how many Scapia coins you can earn-you can earn 20% of the total on domestic transactions. In addition, you will be able to have unlimited access to domestic lounges with no limit about the number of trips at a cost of as little as [?]5,000 per month. In totality, both heavy and light users will benefit and get rewarded under the Scapia Federal Credit Card.
Joining Fees: INR 0
Annual Membership Fees: INR 1500
Interest Rate: 41.88% (3.49% per month)
Welcome Benefits: None
Special Feature: Unlimited lounge visits
TATA NEU HDFC CARD INFINITY:
The partnership between HDFC Bank and the Tata group has led to the co-branded Tata Neu Plus HDFC Bank credit card. Users who are loyal to HDFC Bank and Tata Brands using this credit card will benefit a lot. The customers who make a purchase at Tata Brands will be offered the NeuCoins, which are equivalent to 2% of the transaction amount. The list of the popular brand names of this year consists of Titan and Tanishq, Air Asia, Tata 1MG and more. Moreover, with the help of this credit card, you will get a 1 per cent cashback when purchasing non-Tata brands. The cardholders will receive Bonus NeuCoins as a welcome innovation. By having an amazing first offer, the cardholders will be able to earn more NeuCoins as they shop on the Tata Neu web or app.
Joining Fees and Annual Membership Fees: INR 1,499+GST
Interest Rate: 3.49% per month, i.e. 41.88% annually
Welcome Benefit: 499 NeuCoins on Tata Neu App (as a reverse of 1 st year Membership Fees), which can be received on 1 st transaction performed within 30 days of card issuance and can be redeemed within Tata Neu App in 60 days of such a transaction.
Special Feature: Get an extra 5 per cent back as NeuCoins on the specific categories on the Tata Neu App/Website, after downloading the Tata Neu App and opting for Tata NeuPass.
TATA NEU HDFC CARD PLUS:
The collaboration between HDFC Bank and the Tata Group has resulted in the co-branded Tata Neu Plus HDFC Bank Credit Card. Those who use this credit card with loyalty to HDFC Bank and Tata Brands stand to gain a great deal. NeuCoins, representing 2% of the transaction amount, will be given back to customers who spend at Tata Brands. This year's list of well-known brand names includes Titan, Tanishq, Air Asia, Tata 1MG, and many others. Additionally, when you use this credit card to make purchases from non-Tata brands, you will earn 1% cashback. Bonus NeuCoins will be given to cardholders as a welcome perk. With a fantastic initial offer, cardholders can earn extra NeuCoins while making purchases on the Tata Neu website or mobile app.
Joining/Renewal Membership Fee: ₹499/- + Applicable Taxes.
Interest Rate: 3.75% per month, i.e. 45% annually
Welcome Benefit: Get 499 NeuCoins on the 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 the Tata Neu App within 60 days of such transaction.
Special Feature: Earn an additional 5% back as NeuCoins on selected categories on the Tata Neu App/Website, post downloading the Tata Neu App and registering for Tata NeuPass.
HDFC SWIGGY CREDIT CARD:
HDFC Swiggy Credit Card is a collaboration credit card, which is provided with online food ordering benefits and rewards. The cardholders will also have a 50 per cent discount on Swiggy orders, 10X reward points on dining and grocery purchases, and a one-year free Swiggy Pro membership. The card also gives fuel surcharge and lost card waiver, zero liability on stolen cards and access to exclusive offers and discounts in 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 the Swiggy application on the following Swiggy platforms -
Food ordering
Instamart
Dineout
Genie
HDFC REGALIA GOLD CREDIT CARD:
The HDFC Regalia Gold Credit Card can be your ticket to a whole host of exclusive benefits. In the case of [?] 2500, you are also welcome to join and enjoy the benefits of free Club Vistara and MMT Black membership, which will grant you priority check-in, access to the lounge and various other benefits. The benefits are more than travelling, as you are adding a reward value to your usual expenditure at a 1.3 to 13 reward rate! There is much more than that in store with the card. The HDFC Regalia Gold Credit Card is a good choice for those who want to receive benefits on their expenditures and are ready to travel quite often. It offers several convenient amenities to the travellers, including free Silver-tier Club Vistara and MMT Black Elite memberships. Five times the reward points will be provided with a purchase in some of the shops, including Myntra, Reliance Digital, Nykaa, and Marks and Spencer. The travellers will also be glad that the card will provide them with free access to the airport lounges in more than 1000 airports.
Joining/ Renewal Membership Fee: Rs. 2500 + Applicable Taxes.
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Welcome Benefit: Pay your Joining Membership Fee and obtain a Gift Voucher of equal Fee Amount = Rs.2,500.
Special Feature: Redeem 1,500 worth of vouchers at Marriott, Myntra, Marks and Spencer or Reliance Digital when you have expended 1.5 Lakhs every calendar quarter. And, get 5,000 worth of flight vouchers when you use 5 Lakhs in an anniversary year.
Conclusion:
In conclusion, the best 5 credit cards to release in 2023 have diverse advantages and options to offer to various customers. You can find the card that will fit your needs and preferences: cashback, rewards, travel benefits, low-interest rates, or no annual fees. But, to apply one of such cards, be sure to compare them with each other and read the terms and conditions. In addition, spend responsibly and ensure payment of bills promptly, so as to avoid financial penalties and interest fees. In this way, you will be able to take up all the benefits of these credit cards and enhance your financial situation.
FAQs:
Q. How do I apply for the Federal Bank Scapia Credit Card?
A. You can apply for the Federal Bank Scapia Credit Card online through the Scapia app or the Federal Bank website. You will need to provide your personal information, income details, and employment information.
Q. How do I contact customer service for the Federal Bank Scapia Credit Card?
A. You can contact customer service for the Federal Bank Scapia Credit Card by calling 1800 419 5973 or by emailing creditcards@federalbank.co.in
Q: What are the benefits offered by the TATA Neu HDFC Infinity credit card?
A: Benefits are as follows:
Complimentary airport lounge access: You get 4 complimentary lounge access per year (1 per quarter) at participating airports in India and abroad.
Fuel surcharge waiver: You get a waiver on fuel surcharge at all petrol pumps in India.
Complimentary movie tickets: You get 1 complimentary movie ticket every month on BookMyShow.
Other benefits: You also get benefits like purchase protection, insurance, and discounts on partner brands.
Q: How do I apply for the TATA Neu HDFC Infinity credit card?
A: You can apply for the TATA Neu HDFC Infinity credit card online on the HDFC Bank website or through the mobile app. You can also visit your nearest HDFC Bank branch to apply.
Q: What are the rewards I earn with TATA Neu HDFC Plus Credit Card?
A: You earn 2% back on non-EMI spends on Tata Neu and partner Tata brands (BigBasket, Croma, IHCL, AirAsia India, etc.) as NeuCoins. Additionally, you get 1% NeuCoins on all other spends. NeuCoins can be redeemed for discounts and purchases on the Tata Neu platform.
Q: Where can I find more information about the card and apply?
A: You can visit the official Tata Neu HDFC Plus Credit Card website (https://www.tatadigital.com/creditcard/) or the HDFC Bank website (https://www.hdfcbank.com/personal/pay/cards/credit-cards/tata-neu-plus-hdfc-bank-credit-card) for detailed information and the application process.
Q: What are the cashback rates for HDFC Swiggy Credit Card?
A: You earn 10% cashback on Swiggy orders (capped at ₹1500 per month), 5% cashback on online spends with specific merchants, and 1% cashback on all other transactions.
Q: How do I redeem my cashback rewards?
A: Cashback is awarded as Swiggy Money, which can be used for future purchases on the Swiggy platform (food, groceries, Instamart, etc.).
Q: What kind of rewards does the HDFC Regalia Gold Credit Card offer?
A: Rewards are as follows:
Earn 4 Reward Points for every ₹150 spent on retail purchases.
Get 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
You can redeem points for vouchers, statement credits, flight tickets, and more.
Q: Are there any travel benefits included?
A: Travel Benefits are as follows:
Yes! You get a complimentary Club Vistara Silver Tier membership and MMT Black Elite membership.
This provides benefits like priority check-in, baggage allowance, and lounge access (subject to specific conditions).
You also get ₹1,500 worth of vouchers on quarterly spends of ₹1.5 lakh and up to ₹10,000 worth of flight vouchers with annual spends.
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