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Top 5 Must-Have Credit Cards in India 2024 | Compare & Apply
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Top 5 Must Have Credit Cards 2024
It can be hard to pick the right credit card with so many options in 2024, especially if you want one that fits your lifestyle. But don't worry! There are cards designed just for you.
If you need help with medical bills, love ordering food online, enjoy shopping, need to save on gas, or travel often by rail, these cards will be the right fit for you.
Let's check out the top 5 must-have credit cards for 2024 that meet these specific needs and help you get the most out of your money.
1. Axis Indian Oil Credit Card
The Axis Indian Oil Credit Card has become indispensable for car owners at a time when many people find that fuel prices are a major source of stress.
Cashback Benefits: Offers significant cashback on fuel purchases made at Indian Oil outlets, ensuring savings on every refuel.
Accelerated Reward Points: Earn accelerated reward points on fuel spending, which can be redeemed against future fuel purchases, enhancing savings.
Additional Rewards: Apart from fuel-related benefits, cardholders can also earn reward points on other categories of spending, which can be redeemed for a variety of rewards.
Fuel Surcharge Waiver: Enjoy a waiver on fuel surcharge at Indian Oil fuel stations, adding to the savings on fuel expenses.
Joining fee: Rs. 500
Apply for Axis Indian Oil Credit Card Now
2. SBI IRCTC Credit Card
The SBI IRCTC Credit Card completely changes the train travel experience for frequent train users.
Savings on Train Bookings: Provides savings on train ticket bookings made through the IRCTC website, making rail travel more affordable.
Complimentary Railway Lounge Access: Offers complimentary access to railway lounges, enhancing the train travel experience.
Reward Points on Bookings: Earn reward points for every booking made on IRCTC, which can be redeemed for free train tickets.
Added Travel Benefits: Includes benefits such as discounts on air ticket bookings and holiday packages through IRCTC, catering to all travel needs.
Joining fee: Rs. 500
Apply for SBI IRCTC Credit Card Now
3. SBI Cashback Credit Card
Modern life has made online buying a necessity, and the SBI Cashback Credit Card is made to make every purchase more satisfying.
Substantial Online Cashback: Provides substantial cashback on all online spending, making every online purchase more rewarding.
Exclusive E-commerce Deals: Cardholders have access to exclusive deals and offers on popular e-commerce platforms, maximizing shopping savings.
Unlimited Cashback: There’s no upper limit on the cashback earned, ensuring that the more you spend online, the more you save.
Easy Redemption: Cashback is credited directly to the card account, simplifying the redemption process.
Joining fee: Rs. 999
Apply for SBI Cashback Credit Card Now
4. HDFC Swiggy Credit Card
Foodies, rejoice! With the HDFC Swiggy Credit Card, your culinary explorations will be even more fulfilling.
Exclusive Swiggy Discounts: Enjoy exclusive discounts on orders placed through Swiggy, making dining in more enjoyable and affordable.
Cashback on Orders: Earn cashback on every Swiggy order, further enhancing savings on online food ordering.
Accelerated Dining Rewards: Earn accelerated reward points on dining and Swiggy orders, which can be redeemed for a variety of rewards.
Additional Dining Perks: Offers additional perks and discounts at partner restaurants, expanding dining benefits beyond Swiggy.
Joining fee: Rs. 500
Apply for HDFC Swiggy Credit Card Now
5. Axis Health Credit Card
Today, it's more important than ever to manage health and wellness spending, and one financial tool that works particularly well for this reason is the Axis AURA Health Credit Card.
Cashback on Medical Expenses: Earn cashback on a wide range of medical expenses, including pharmacy purchases, hospital bills, and diagnostic services, aiding in healthcare cost management.
Complimentary Health Check-ups: Cardholders are entitled to complimentary health check-ups, emphasizing preventive healthcare.
Discounts at Partner Hospitals and Pharmacies: Enjoy discounts at partner hospitals and pharmacies, making healthcare services more accessible and affordable.
Access to Health and Wellness Programs: Offers access to health and wellness programs, supporting overall well-being.
Joining fee: Rs. 749
Apply for Axis Health Credit Card Now
Detailed comparison of these credit cards:
|
Credit Card |
Focus Area |
Key Benefits |
Best For |
|
Axis Indian Oil Credit Card |
Fuel |
Cashback on fuel purchases at Indian Oil outlets, accelerated reward points on fuel spends. |
Vehicle owners who spend significantly on fuel. |
|
SBI IRCTC Credit Card |
Train Travel |
Savings on railway bookings, complimentary railway lounge access, and reward points on IRCTC bookings. |
Frequent rail travellers looking for savings on train travel. |
|
SBI Cashback Credit Card |
Online Shopping |
Substantial cashback on all online spends, exclusive deals and offers on popular e-commerce platforms. |
Avid online shoppers seeking rewards and cashback. |
|
HDFC Swiggy Credit Card |
Online Food Ordering |
Exclusive discounts, cashback on Swiggy orders, accelerated reward points for dining and Swiggy orders. |
Food lovers who often order food online. |
|
Axis Health Credit Card |
Health Expenses |
Cashback and rewards on medical expenses, complimentary health check-ups, and discounts at partner hospitals and pharmacies. |
Individuals looking to manage healthcare costs efficiently. |
Conclusion
There's a card for every purpose, from lowering travel costs to improving your online dining and shopping experiences to managing your medical costs.
Based on your spending patterns and lifestyle preferences, you can select the best credit card from this list. Always keep in mind that the ideal credit card is the one that fits your needs and advances your financial objectives.
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Frequently Asked Questions
This card offers cashback and reward points on fuel purchases made at Indian Oil outlets, which can help you save money on gas. It also comes with a fuel surcharge waiver and additional reward points on other spending categories.
This card is ideal for frequent train travelers. It offers savings on train ticket bookings, complimentary access to railway lounges, and reward points that can be redeemed for free train tickets.
This card is a good choice for people who do a lot of shopping online. It provides substantial cashback on all online spending and access to exclusive deals and offers on popular e-commerce platforms. There's no limit on the cashback you can earn, and it's credited directly to your card account.
Yes, this card offers exclusive discounts and cashback on Swiggy orders, along with accelerated reward points for dining and Swiggy purchases. You can also enjoy additional perks and discounts at partner restaurants.
This card offers cashback and rewards on a variety of medical expenses, including pharmacy purchases, hospital bills, and diagnostic services. It also provides complimentary health check-ups and discounts at partner hospitals and pharmacies.
