Top 5 Credit Cards in India 2024: Compare and Choose the Best

Top 5 Credit Cards in India 2024

The only way to fully make a profit with credit cards is by picking up one that can adjust to your spending habits and lifestyle. However, it is very difficult to find one credit card from so many options that come along. Pick the best credit card for India in 2024 from the list of cards mentioned below. Then, see which credit cards are the finest in several areas such as rewards, cashback, travel, shopping, and cards with premium features.

This blog is about the top 5 Credit Cards in India 2024 that provide different benefits to cardholders and that might help you understand the right choice of a credit card.

 

1. Airtel Axis Bank Credit Card 

The goal of the Airtel Axis Bank Credit Card is to provide Airtel clients with perks such as cashback, discounts, and coupons not only on Airtel purchases but also on purchases made at other businesses like BigBasket, Zomato, and Swiggy. With features like free airport lounge access and restaurant discounts, it's also a formidable competitor to popular cashback credit cards like the Amazon Pay ICICI Credit Card and the Cashback SBI Card. For folks who are already a part of the Airtel network, this card is a terrific option because of its low yearly payment of Rs.500. Continue reading to find out more about this co-branded credit card.

Benefits:

• Annual Fee: Rs.500 and GST

• Category: Food and bill payment.

• Welcome benefits: Rs.500 Amazon voucher.

• Entertainment & Fooding: Get up to 20% discount at over 4000 participating restaurants when you dine there.

• Domestic Lounge: 4/year

• Rewards Rate: 10% cashback on utility bill payments made using the Airtel Thanks app, 25% cashback on Airtel mobile, broadband, WiFi, and DTH recharges, 1% cashback on other purchases, and 10% cashback on Swiggy, Zomato, and BigBasket.

Click Here to Instant Apply for the Airtel Axis Bank Credit Card 

 

2. HSBC Visa Platinum Credit Card

The HSBC Bank offers an entry-level credit card called the HSBC Visa Platinum Credit Card. There is an annual charge, but there is no joining fee. It extends special perks to its patrons upon their arrival. With this card, you can accrue 2 Reward Points for every Rs.150 spent, and when your total spending in an anniversary year hits Rs.4 lacs, you can accrue 5x Reward points.

Benefits: 

• Joining Fee: Rs.500

• Category: Shopping

• Welcome Benefits: NA.

• Rewards Rate: 2 points for 150 Rs. spent

• Travel: NA

• Domestic Lounge: NA

• Dinner & Entertainment: BookMyShow is offering BOGO on movie ticket bookings. EazyDiner offers dining discounts of up to 15%.

Click Here to Instant Apply for the HSBC Visa Platinum Credit Card.  

 

3. SpiceJet Axis Bank Voyage Credit Card

In May 2022, SpiceJet Axis Bank Voyage Credit Card and SpiceJet Axis Bank Voyage Black Credit Card, two co-branded Visa credit cards that Axis Bank and SpiceJet Airlines jointly developed, were introduced. These cards were introduced to give users access to a multitude of rewards and privileges as well as enjoyable travel experiences. The SpiceJet Axis Bank Voyage Credit Card has a membership charge of Rs.750, but when you successfully complete two purchases within 30 days of the card's activation, you can get a massive Rs.1,500 SpiceJet coupon.

Benefits:

• Joining Fee: Rs.750 and GST.

• Category: Travel

• Welcome Benefits: Within 30 days of the card's issuance, two transactions must be completed to receive a SpiceJet flight voucher worth Rs.1,500.

• Rewards Rate: The SpiceJet website and mobile application will earn you a max of 18 Spiceclub points for every 200 Rs. spent. Online transactions will earn you 6 Spiceclub points for every 200 Rs. and all other domestic and international transactions will earn you 3 Spiceclub points.

• Travel: NA

• Domestic Lounge: 4/year

• Dinner & Entertainment: With the Dining Delights program, you can receive up to 20% off your eating bills.

• Golf: NA

Click Here to Instant Apply for the SpiceJet Axis Bank Voyage Credit Card

4. HDFC Bank BizFirst Credit Card

For business spending, the HDFC Bank BizFirst Credit Card is a great choice. Subject to GST, the card has a Rs.500 membership cost and a corresponding Rs.500 renewal fee. The card's reward program, which offers 3% CashPoints for EMI purchases, 2% for utility bill payments, and 2% for SmartPay/Payzapp transactions, is tailored to meet the needs of business users. Furthermore, 1% of CashPoints are obtained from other costs, such as UPI transactions. In addition to benefits, the card comes with a welcome bonus of a Rs.250 coupon and no renewal fees for purchases above Rs.50,000.

This card is lifetime free if purchased till October 2024.

Benefits: 

• Joining Fee: Rs.500 and GST.

• Category: Business Expenses.

• Welcome Benefits: Voucher worth Rs.250.

• Rewards Rate: 2% CPs on Utility Bill Payments, Smartpay/Payzapp, 3% CPs on EMI Spend, 1% CPs on Other Spends, Including UPI Spends.

• Travel: NA

• Domestic Lounge: NA.

• Dinner & Entertainment: Dining discounts via Swiggy.

• Golf: NA

Click Here to Instant Apply for the HDFC Bank BizFirst Credit Card.

 

5. HDFC Bank Freedom Credit Card

The HDFC Bank Freedom Credit Card is a straightforward credit card designed for those who are applying for credit for the first time. This card is based on Reward Points and has a small annual membership fee of merely Rs.500. In an anniversary year, minimum expenditures of Rs.50,000 are eligible for a waiver of the renewal charge. Earn 10x CashPoints on BookMyShow, OYO, Uber, BigBasket, and Swiggy in addition to 1 Cash Point for every Rs.150 spent with this card.

This card is lifetime free if purchased till October 2024.

Benefits: 

• Joining Fee: Rs.500 and GST

• Category: Shopping

• Welcome Benefits: 500 cash points.

• 1 cash point for every Rs.150 spent on all other purchases, and 10x the cash points on Big Basket, Swiggy, BookMyShow, Oyo, and Uber.

• Travel: NA

• Domestic Lounge: NA.

• Dinner & Entertainment: While dining at 4,000+ associated restaurants, you can get up to 20% savings.

• Golf: NA.

Click Here to Instant Apply for the HDFC Bank Freedom Credit Card.

Conclusion:

If you intend to save money on on food and bill payments then the Airtel Axis Bank Credit Card can serve the purpose.

If you are a frequent shopper then the HSBC Visa Platinum Credit Card and HDFC Bank Freedom Credit Card might be suitable for you.If you are a frequent traveller then you can find a SpiceJet Axis Bank Voyage Credit Card suitable.If you want to save some money on business expenses then HDFC Bank BizFirst Credit Card can serve the purpose.

Before selecting any card, prioritize your purpose, which can make it easy for the correct selection of the card. 

Hope this blog on the top 5 Credit Cards in India 2024 provided you with useful information.