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Choosing the best credit cards in India is crucial in a scenario where skyrocketing inflation is eating into your finances. Using a credit card can be a game-changer when it comes to spending smart and improving your personal finances. After all, life is unpredictable, and unforeseen scenarios may burn a big hole in your pocket.
Over the past five years, the credit card market in India has grown at a CAGR of 20%. You’d agree—people are now more comfortable making digital payments than carrying a fluffy wallet full of cash. This has sparked the growth of credit card use in India. And the allure is irresistible!! From easy purchases to exclusive privileges and reward programs, you can have it all using credit cards!
As we enter 2024, navigating through a broad range of credit card options can be intimidating. That’s why this blog covers a brief overview of the best credit cards in India to look forward to in 2024. Whether you are a shopaholic, a frequent traveler, or someone who wants cashback, these credit cards meet diverse lifestyles and needs.
Credit cards comes with lot of features and rewards. Every credit card may have different rewards depending on usage and spending limit. You must know about the smart ways to use credit cards to get maximum benefits. Let’s dive into the features and benefits of the top credit cards in India.
The HDFC Regalia Credit Card is a great choice if you are looking for a premium credit card at a nominal fee.
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Ever thought of a credit card that has no joining fees or annual fees?? The Standard Chartered Platinum Rewards is the best credit card if you have applied for the first time. Check out some of its key benefits.
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Are you looking for good entry-level credit cards in India? The IDFC First Classic Credit Card will not disappoint you because it has zero joining fees and offers attractive benefits.
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It is another good entry-level credit card that primarily targets online shoppers. It has a joining fee and annual fee of ₹499 but also offers a broad range of benefits that you might be interested in. The SBI SimplyCLICK Credit Card is the right choice if you love shopping online.
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The Axis Bank Neo is a super beneficial credit card if you want to save more while shopping. It is one of the best credit cards for shopping as it offers great benefits and cashback across different shopping and entertainment categories.
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The HDFC Millennia Credit Card is one of the best credit cards in India that offers attractive welcome bonuses and reward points on your purchases. HDFC Bank has partnered with several premier brands to provide CashPoints every time you purchase from these brands.
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The ICICI Bank Platinum Chip Credit Card is a great option if you want a no-frills, great-value credit card with exciting benefits. It is a basic credit card that does not require any joining or annual fee but offers you great rewards every time you make a purchase.
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The IndusInd Bank Platinum Aura is one of the top credit cards in India that offers a plethora of lifestyle benefits along with flexible reward points. With this credit card, you get comprehensive insurance coverage and 24/7 concierge services.
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Fuel prices are skyrocketing! If you think you are spending too much on fuel, this is a beneficial credit card for you. Typically, you do not need to pay any annual fee on this credit card if you spend at least ₹30,000 yearly. However, if your credit card purchases are less than ₹30,000, you will need to pay an annual fee of ₹1,000.
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Love shopping on Amazon? If yes, then the Amazon Pay ICICI Credit Card ensures you exciting rewards and benefits. It is a beneficial credit card for online shopping, especially on the eCommerce giant – Amazon.
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Looking for good credit cards in India with zero annual fees? The IDFC First Select Credit Card is lifetime-free, so you can use it without worrying about recurring annual charges. It also offers a wide range of benefits and rewards to shoppers and travellers.
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The Axis Atlas Credit Card is the right choice if you love travelling or are a frequent flyer. It offers comprehensive rewards in the form of EDGE Miles, travel benefits, lounge access, and insurance covers. Considering the benefits it offers, the credit card comes with an annual fee of ₹5,000.
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This is a beneficial credit card for elite travellers and shoppers who are looking for premium benefits. It comes with an annual fee of ₹12,500 but offers a broad spectrum of privileges and benefits. the HDFC bank Infinia Credit Card combines lifestyle with luxury in its true sense.
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Having trouble choosing the best credit card for you? With new and better products being introduced every year, it can be intimidating to find the right credit card that aligns with your financial goals and spending habits. Before you get one, compare the best credit cards in India and read the terms & conditions carefully. Remember, a credit card can be an effective financial tool when you know how to use it wisely.
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Unifinz Capital India Limited is a Non Banking Finance Company (NBFC) registered with the Reserve Bank of India (RBI). lendingplate is the brand name under which the company conducts its lending operations and specialises in meeting customer’s instant financial needs.
