Stop! Before you fill in your credit card application, pause and check the features and benefits of the card you are getting. Does it have all you need? Or are you settling for something that doesn’t tick all your checkboxes? How to know for sure? Well, take a look at the sought-after features of top credit cards in India and then take the final call.
Features and Benefits of Top Credit Cards
Read on to know what exactly you could expect if you opted for one of these cards from some of the top banks in the country.
Axis Bank SELECT Credit Card
The card rains rewards. From free Amazon Prime Membership, fuel surcharge waiver, and dedicated concierge desk to an Amazon voucher worth ₹2,000 as an activation benefit you can enjoy it all. If you are able to spend more than ₹6 Lakh in a year, you even get an annual fee waiver. You also get sizable discounts on grocery purchases on Bigbasket, food orders on Swiggy, and movie tickets on BookMyShow. The credit card benefits are over and above the EDGE REWARD points, which you can earn against every transaction you make on the card.
Bajaj Finserv RBL Bank Platinum Plus SuperCard
This RBL Bank credit card has the power of four cards in one and is, hence, rightly called the SuperCard. You can use it as a cash card, loan card, credit card, or EMI card to meet your everyday needs. Along with contactless advantage, global access and 24×7 cash access, the card also supports a high purchase limit. You also get 1+1 on movie tickets on BookMyShow, 2X Reward Points on all online spends, a fuel surcharge waiver of up to ₹100 every month, and airport lounge access twice a year.
ICICI Coral Credit Card
This credit card from ICICI Bank comes loaded with attractive offers that you can avail at spas, hotel stays, salons, etc. There are also discounts you can enjoy on the card when you dine out or buy two or more movie tickets on BookMyShow or Inox. There are also fuel surcharge waivers every month and annual fee waivers against milestone spends of over ₹1.5 lakh in a year. You can also earn up to a maximum of 10,000 rewards in a year and get an additional 1,200 JPMiles each year.
SBI Card ELITE
With this SBI credit card, you get welcome benefits in the form of an e-gift voucher worth ₹5,000, complimentary movie tickets, as well as Club Vistara and Trident Privilege membership. The card comes with 2 complimentary domestic and international lounge visits in a quarter. You also get 5X reward points on dining, grocery, and department store spends. It also offers the opportunity to earn 2 Reward Points per ₹100 spent on all other categories, except fuel.
Citibank Premiermiles Credit Card
Designed especially for frequent travellers, this credit card offers free domestic and international airport lounge access as well as exclusive deals on hotel bookings, flight ticket bookings, and car rentals. The rewards program is good too as you get to earn 10 Miles against every ₹100 spent on flight transactions at premiermiles.co.in and 8 Miles against every ₹100 spent on the card for online shopping at Amazon India, Myntra, and Flipkart. Rewards can also be earned for spends made across other categories, which can then be redeemed to buy flight tickets.
There are more such credit card benefits that you can avail on other cards offered by these banks. In fact, you can list down your basic needs and expenses to get a clearer picture of your lifestyle. This would help you maximise on the card’s potential.
While searching for the right card, a thorough compilation of top credit cards – grouped as per their type, charges, offers, rewards – can be useful. Bajaj MARKETS is a great place to start your hunt for the right credit card, especially because browsing and applying for a Bajaj Finserv credit card is super easy through its partner banks. Once you have the right card, simply tap it or swipe it and enjoy its numerous benefits against every transaction.