If you’re on the hunt for a credit card that aligns with your financial goals, look no further. We’ve curated a list of top-notch options to streamline your search and assist you in making the best choice. Credit cards have become indispensable for cashless transactions, providing a financial cushion during challenging times. Moreover, they unlock a realm of benefits and rewards. Read on for a breakdown of the best credit cards in India for 2023.
1. Axis Bank ACE Credit Card
Annual Fee: INR 499 + taxes (waived off on spending INR 10,000 within 45 days of card issuance)
Key Features:
- 5% cashback on Google Pay bills, 4% on Ola, Zomato, Swiggy, and 5% on utility bill payments.
- 20% off at 4,000+ partner restaurants nationwide.
- Four complimentary domestic airport lounge visits annually.
- 1% fuel surcharge waiver on transactions between INR 400 and INR 4,000 at all petrol stations in India.
2. Flipkart Axis Bank Credit Card
Annual Fee: INR 500 + taxes (waived off on spending INR 200,000 in a year)
Key Features:
- Flipkart vouchers worth INR 500 on the first transaction.
- Discounts on partner brands like The Phy Life and Plum Goodness.
- Four airport lounge visits per year.
- 1% fuel surcharge waiver on transactions between INR 400 and INR 4,000 at all petrol stations in India.
3. SimplyCLICK SBI Credit Card
Annual Fee: INR 499 + taxes (reversed on spending INR 1 lakh)
Key Features:
- Amazon.in gift card worth INR 500 on joining.
- 10X Reward Points on online spends with exclusive partners.
- E-vouchers worth INR 2,000 on annual online spends of INR 1 lakh and INR 2 lakh.
- 1% fuel surcharge waiver on transactions between INR 500 and INR 3,000 per statement cycle.
4. HDFC Millennia Credit Card
Annual Fee: INR 1,000 + taxes
Key Features:
- 1000 CashPoints as a welcome benefit.
- No renewal charges for the succeeding year on spending INR 1 lakh in 12 months.
- 8 complimentary domestic lounge access per calendar year.
- 1% fuel surcharge waiver on transactions between INR 400 and INR 500 to a maximum of INR 250 in one billing cycle.
5. IndusInd Bank Platinum Master Credit Card
Annual Fee: NIL
Key Features:
- 1.5 Reward Points on every INR 150 purchase.
- Up to 2X Reward Points on weekend spends.
- Complimentary golf lessons, movie tickets, and Club Vistara Gold membership.
- Complimentary Priority Pass for airport lounge access.
CONCLUSION
With a myriad of choices available in the Indian credit card market, these options cater to various preferences. Whether you prioritize travel rewards, lifestyle perks, or cashback, selecting the best credit card hinges on aligning with your spending habits. Before deciding, meticulously review terms, annual fees, interest rates, and rewards programs to ensure your chosen card seamlessly integrates with your financial aspirations.
Also Read – 10 COMPELLING REASONS TO HAVE A CREDIT CARD