Top 5 Credit Cards in India: As a credit card holder, you can enjoy various benefits, such as cashback on everyday purchases, exclusive travel perks, and lounge access.
Banks compete to offer the best features and benefits on credit cards. Let’s take a closer look at the top 5 credit cards available in India till August 2024 that offer these benefits!
Cashback SBI Card: The Cashback SBI Card offers 5% cashback on all online spending without any merchant restrictions and 1% cashback on all offline spending.
It also provides rewards on every purchase and a 1% fuel surcharge exemption of up to Rs. 100 per month. The joining fee is Rs. 999, and the annual card fee is Rs. 999.
Axis Bank ACE Credit Card: The Axis Bank ACE Credit Card offers 1.5% cashback on all offline and online spending. Cardholders can also have four domestic lounge accesses annually, spending Rs. 50,000 or more in the previous quarter.
Additionally, it offers a 1% fuel surcharge waiver at all fuel stations for transactions between Rs. 400 and Rs. 4,000. The joining fee is Rs. 499, and the annual card fee is Rs. 499.
HDFC Regalia Gold Credit Card: The HDFC Regalia Gold Credit Card comes with complimentary Club Vistara Silver and MMT Black Elite memberships. Cardholders receive a gift voucher worth Rs. 2,500 on payment of the joining fee and enjoy six complimentary international and 12 domestic airport lounge visits per year.
Additional benefits include vouchers from Marks & Spencer, Reliance Digital, Myntra, or Marriott on quarterly spending of Rs. 1.5 lakh and flight vouchers worth Rs. 5,000 on an annual spend of Rs. 5 lakh. The joining fee is Rs. 2,500, and the annual card fee is Rs. 2,500.
SBI Prime Credit Card: The SBI Prime Credit Card offers complimentary Trident Privilege Red Tier and Club Vistara Silver memberships and E-Gift Vouchers worth Rs. 3,000 from leading brands like Yatra and Pantaloons with welcome benefits.
Cardholders can receive a Pizza Hut gift voucher worth Rs. 1,000 for quarterly spending of Rs. 50,000 and an annual expenditure worth Rs. 7,000.
A Yatra/Pantaloons voucher can be availed. Additionally, the card offers four complimentary international lounge visits per year. The joining fee is Rs. 2,999, and the annual card fee is Rs. 2,999.
Club Vistara IDFC First Credit Card: The Club Vistara IDFC First Credit Card offers a premium economy ticket, class upgrade, and a 3-month EazyDiner Prime membership as a welcome bonus and complimentary Club Vistara Silver membership.
It also provides up to 6 CV points for every Rs. 200 users spend. The card offers two complimentary visits to domestic lounges and spas every quarter, 12 complimentary golf classes, and four rounds of golf per year. The joining fee is Rs. 4,999, and the annual card fee is Rs. 4,999.