Best Credit Cards: Fuel, online shopping, dining out, movies, groceries and a combination of all of the above are among the needs covered by credit cards issued by major banks in India such as Axis Bank, HDFC Bank and SBI Card. You should research the many alternatives before applying for a card. To start your comparison, here are the best credit cards in India in 2016 with their enrollment fees and features.
Best Credit Cards 2023
HDFC Bank, SBI Card, Axis Bank and IndusInd Bank are some of the major credit card issuers in India, each catering to different individual circumstances such as fuel purchases, online shopping, dining out or a combination of all. After that, you will need to apply for a card by comparing the available options. Here’s a list of the top credit cards in India, along with their annual fee and best features, to get you started with your comparison.
It is essential that you choose the best credit card at a time when inflation is eating away at your money. Giving wisely is another way to avoid burning a bigger hole in your pocket.
You can save more on travel expenses and everyday purchases with a credit card, not just spend smarter. You can earn cash back on your purchases, reward points on gas purchases, and discounts on air and hotel reservations. Therefore, make your own decision about the features that credit cards offer.
Best Credit Cards 2023 Details
2023 Best Credit Cards and Signup Fee
These are the best credit cards for online shopping and general online spending with major cashback rewards at a variety of merchants and products.
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HDFC Freedom Credit Card |
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| Axis Bank Ace Credit Card | |
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Flipkart Axis Bank Credit Card |
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RBL Bank Shoprite Credit Card |
HDFC Freedom Credit Card
Those looking for incentives without paying a high annual fee should consider a credit card similar to the HDFC Freedom Credit Card. For new users, it is the best credit card. HDFC Bank Freedom is one of the bank’s best-known credit cards and comes with a number of features.
Special features
- If you spend INR 90000 per year, you will receive a gift voucher of INR 1000.
- Membership fee for the following year will be waived if you spend INR 60,000 or more on your card during the course of the year.
- A 1% fuel surcharge will be applied to your fuel purchases, which can be up to INR 5000, and there may be a maximum of 250 fuel surcharges per statement cycle.
- Movie tickets, grocery shopping, restaurants, taxis, and train rides are eligible for 5X rewards points with your credit card.
Axis Bank Ace Credit Card
For a low annual fee, the Axis Bank Ace Credit Card offers high repayment rates, making it a great option for new users. Plus, cardholders get access to airport lounges and savings at restaurants, as well as 5% cash back on online restaurant orders and purchases. One of the attractive features of this card is that there is no upper limit on the amount of cash back received.
Special features
- If you spend INR 10,000 within 45 days of receiving your card, your registration fee will be refunded.
- Waive your annual fee if you spend at least Rs. 2 lakh per year.
- During the course of the year, you will receive four free visits to national salons.
- There is a 1% fuel surcharge exemption (maximum amount is Rs 500 per month) on transactions between INR 400 and INR 4000.
- More than 4,000 restaurants participate in the promotion.
- If you make a purchase above INR 2500, avail EMIs.
SBI Card with Cashback
The SBI Cashback card is a relatively new entrant in the cashback credit card market and has quickly gained traction among online shoppers. The card has no merchant limitations, so you can earn 5% cash back on online transactions, something not available with other cards. This card, unlike most retail credit cards, provides benefits to both retailers and spending categories.
Special features
- All online transactions made with SBI Card Cashback will give you 5% cashback and the list of merchants that can be used is unrestricted.
- In addition, the card offers 4 free visits to domestic airport lounges per year, with a limit of one visit each quarter.
- When you spend Rs. 500 to rupees. 3000 at any petrol station in India, you can get 1% fuel surcharge waiver. The maximum surcharge waiver per billing cycle is limited to Rs. 100.
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card is another basic credit card with a high cashback rate. Top brands like Flipkart and Myntra as well as preferred partners (Swiggy, Tata Sky, Uber, PVR, etc.) provide benefits to program members. The card works more like a cash back credit card than a co-branded one.
Special features
- On the Flipkart Axis Bank Credit Card, there is a welcome pack that costs Rs. 1,100 in total. This offers an excellent return on investment compared to the registration fee of Rs 500.
- Each year you will receive 4 free visits to national salons.
- For transactions worth up to Rs. 4,000 (with a maximum of Rs 500 waived each month), 1% fuel surcharge exemption is available.
- Discounts in more than 4000 restaurants of up to 20%
RBL Bank Shoprite Credit Card
RBL Bank Shoprite Credit Card is a credit card for beginners. You can earn rewards on all your purchases and get value back on groceries using the RBL Bank ShopRite Credit Card.
Special features
- You earn one reward point for every Rs 100 spent on all purchases.
- Earn 20 reward points every time you spend Rs 100 on groceries
- You will get 10% discount (up to Rs 100) if you buy 15 movie tickets through BookMyShow throughout the year.
- You can receive up to 1000 reward points each month.
Conclusion
In this blog post, we will give you the best credit cards for 2023. We analyze the latest trends and publish a list of the best credit cards for people who want to make the most of their finances in the years to come. Whether you’re looking to consolidate your debts, improve your credit score, or simply increase your available funds, our list of credit cards will help you get there. Continue reading to learn more about the best credit cards for 2023.
Frequently Asked Questions Related to Best Credit Cards 2023
Which credit card is more powerful?
The Centurion Card from American Express* is one of the most prestigious credit cards in the world.
What are the 3 advantages of using a credit card?
Credit cards are more widely accepted than checks and are generally quicker to use. Invoice Consolidation: Invoices can be paid in a single payment by credit card, combining many payments. Rewards: Rewards programs, such as free travel, are available through credit cards that have them.
How do I get a credit card limit of 20000?
There are no credit cards with a minimum credit limit of $20,000. The Chase Sapphire Reserve Card, which has a minimum credit limit of $10,000, is your best bet for a $20,000 limit.
Can I use a credit card at an ATM?
Cardholders can use their credit cards at ATMs, which will result in a cash advance on their credit card account, according to most credit card companies. You can use your credit card to withdraw funds from most ATMs, but it does not access a bank account.
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