India is a country with a rapidly growing economy and a strong emphasis on digital payments. With this in mind, it is no surprise that credit cards have become an increasingly popular form of payment in India. As a result, banks and financial institutions have introduced a wide range of credit cards to cater to the diverse needs of the Indian market. In this article, we will be discussing the top credit cards in India, their features, benefits, and comparisons.
1. HDFC Bank Regalia Credit Card
The HDFC Bank Regalia Credit Card is one of the most popular credit cards in India, and for good reason. This card is designed for individuals who enjoy luxurious lifestyles and travel frequently. Some of the key features of the HDFC Bank Regalia Credit Card include:
– Rewards: This card offers reward points for every transaction made using the card. These reward points can be redeemed for travel, shopping, and other benefits.
– Airport Lounge Access: Cardholders can enjoy complimentary access to domestic and international airport lounges.
– Concierge Services: The HDFC Bank Regalia Credit Card comes with 24/7 concierge services, which can assist with hotel and restaurant reservations, travel bookings, and more.
– Insurance Coverage: This card offers insurance coverage for travel, air accidents, and medical emergencies.
With an annual fee of ₹2,500, the HDFC Bank Regalia Credit Card is a great choice for frequent travellers looking for a premium credit card.
2. ICICI Bank Coral Credit Card
The ICICI Bank Coral Credit Card is another popular credit card in India that offers a variety of benefits and rewards. This card is designed for individuals who enjoy dining out, shopping, and spending on entertainment. Some of the key features of the ICICI Bank Coral Credit Card include:
– Rewards: This card offers rewards points for every transaction made using the card. These reward points can be redeemed for dining, shopping, and entertainment benefits.
– Lifestyle Benefits: The ICICI Bank Coral Credit Card offers a range of lifestyle benefits, including discounts on movie ticket bookings, dining, shopping, and travel.
– Airport Lounge Access: Cardholders can enjoy complimentary access to domestic and international airport lounges.
– Insurance Coverage: This card offers insurance coverage for lost baggage, delays in travel, air accidents, and medical emergencies.
With an annual fee of ₹500, the ICICI Bank Coral Credit Card is a great choice for individuals looking for a credit card with lifestyle benefits.
3. Standard Chartered Super Value Titanium Credit Card
The Standard Chartered Super Value Titanium Credit Card is a popular credit card in India that offers a range of benefits for individuals who enjoy shopping and dining out. Some of the key features of the Standard Chartered Super Value Titanium Credit Card include:
– Rewards: This card offers rewards points for every transaction made using the card. These reward points can be redeemed for shopping and dining benefits.
– Cashback: Cardholders can earn cashback on their shopping and dining transactions.
– Easy Payment Options: The Standard Chartered Super Value Titanium Credit Card comes with easy payment options, including EMI and balance transfer options.
– Insurance Coverage: This card offers insurance coverage for air accidents and medical emergencies.
With an annual fee of ₹750, the Standard Chartered Super Value Titanium Credit Card is a great choice for individuals looking for a credit card with cashback benefits.
4. Bajaj Finserv DBS Credit Card
Bajaj Finserv DBS Credit Card is a feature-packed card that offers a range of benefits and rewards for its customers. Some of the key benefits of this credit card include:
– Exciting Rewards Program: With the Bajaj Finserv DBS Credit Card, customers can earn reward points for every transaction made using the card. These reward points can be redeemed for a variety of services like flight bookings, travel bookings, hotel bookings, etc.
– Cashback Offers: Credit card offers cashback on fuel transactions, making it more beneficial for customers.
– Discounts on Online Shopping, Dining and Entertainment: The card provides discounts and cashback on various online platforms like Amazon, Flipkart, BookMyShow, etc. It also provides discounts on dining and entertainment at select restaurants and cinemas.
– No Annual Fees: The card does not charge an annual maintenance fee, thus making it more affordable for customers.
– International Usage: The card can be used internationally for transactions in a foreign currency, thus making it ideal for customers who travel frequently.
– Easy Bill Payment: The Bajaj Finserv app offers an easy and convenient way for customers to manage their credit card transactions. Customers can effortlessly make payments, check their account balances, and monitor transactions with the help of this app.
5. Citibank Rewards Credit Card
The Citibank Rewards Credit Card is a popular credit card in India that offers a range of rewards and benefits for individuals who enjoy shopping and dining out. Some of the key features of the Citibank Rewards Credit Card include:
– Rewards: This card offers rewards points for every transaction made using the card. These reward points can be redeemed for shopping and dining benefits.
– Cashback: Cardholders can earn cashback on their shopping and dining transactions.
– Easy Payment Options: The Citibank Rewards Credit Card comes with easy payment options, including EMI and balance transfer options.
– Insurance Coverage: This card offers insurance coverage for lost baggage, delays in travel, air accidents, and medical emergencies.
With an annual fee of ₹1,000, the Citibank Rewards Credit Card is a great choice for individuals looking for a credit card with rewards and cashback benefits.
Credit Card Online:
In addition to the above credit cards, there are availability of various credit cards online in India. Online credit cards offer a range of benefits, including easy application processes and faster processing times. Some of the top online credit cards available in India include:
1. SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card is a popular online credit card in India that offers a range of benefits for online shoppers. Some of the key features of the SBI SimplyCLICK Credit Card include:
– Rewards: This card offers rewards points for every online transaction made using the card. These reward points can be redeemed for shopping and dining benefits.
– Discounts: Cardholders can enjoy discounts on online shopping and dining transactions.
– Insurance Coverage: This card offers insurance coverage for lost baggage, delays in travel, and medical emergencies.
With an annual fee of ₹499, the SBI SimplyCLICK Credit Card is a great choice for individuals looking for a credit card with online shopping benefits.
2. Axis Bank My Zone Credit Card
The Axis Bank My Zone Credit Card is another popular online credit card in India that offers a range of benefits for individuals who enjoy shopping and dining out. Some of the key features of the Axis Bank My Zone Credit Card include:
– Cashback: Cardholders can earn cashback on their shopping and dining transactions.
– Easy Payment Options: The Axis Bank My Zone Credit Card comes with easy payment options, including EMI and balance transfer options.
– Insurance Coverage: This card offers insurance coverage for lost baggage, delays in travel, air accidents, and medical emergencies.
With an annual fee of ₹500, the Axis Bank My Zone Credit Card is a great choice for individuals looking for a credit card with cashback benefits.
Conclusion:
In conclusion, credit cards have become an increasingly popular form of payment in India, with banks and financial institutions introducing a wide range of credit cards to cater to the diverse needs of the Indian market. When choosing a credit card, it is important to consider the features, benefits, and fees of each card. Whether you are looking for a premium credit card with exclusive lifestyle benefits or an online credit card with shopping and dining benefits, there is a credit card for everyone in India.
