Best Credit Cards 2024: The demand for credit cards has increased rapidly. It has made all kinds of expenses like online shopping easier. Digital payment has become very easy through this. On using a credit card, the cardholder gets many benefits like cashback, reward points, instant discount. Considering all these facilities, features and benefits, if you are thinking of getting a new credit card, then this news is useful for you.
When people think of getting a credit card, they are advised to first compare the credit cards issued by various banks and their features and benefits. These include various benefits such as reward points received on using the card, eligibility, renewal charges, free access to airport lounges, etc. There may be some features that come with most credit cards. Here the details of the best credit cards issued by major banks of the country like HDFC Bank, ICICI Bank and the features and benefits that come with them have been shared. Here you can check the details about all of them one by one.
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Here is the list of best credit cards for you
HDFC Bank
HDFC Bank Diners Club Millennia Card
This credit card is issued by HDFC Bank, the largest private sector bank.
Joining / Renewal Fee: Rs 1,000 plus applicable taxes
If you spend Rs 1 lakh or more in a year through this card, the renewal fee is not waived.
Cashback will be given in the form of reward points which can be redeemed on the statement balance.
There must be a minimum of 500 reward points balance to redeem on statement balance.
According to the exchange rate you provide, 1 Reward Point (RP) can be converted into Air Miles equivalent to Rs 0.30. This means that if you have 1000 Reward Points, you can convert them into Air Miles equivalent to Rs 300. Let us tell you that Air Miles or Miles is a type of reward aimed at cardholders who fly frequently. Air Miles can be earned on specific purchases and can be redeemed for flight or hotel bookings, upgrades, rental cars and other travel-related expenses.
Redemption against statement balance will be at the rate of 1 Reward Point = Rs 1.
Unredeemed reward points will expire after two years of accumulation.
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ICICI Bank
The second largest private sector bank issues several credit cards which include Emerald Private Metal Credit Card, Emeralde Credit Card, Sapphiro Credit Card, Rubyx Credit Card, Coral Credit Card, Manchester United Platinum Credit Card, Manchester United Signature Credit Card and Platinum Credit Card.
The key features of all ICICI Bank credit cards are explained here one by one.
ICICI Emeralde Private Metal Credit Card
You will be able to experience EasyDiner Prime Membership for free for 12 months.
You will get 12,500 ICICI reward points as a joining bonus. However, these points will be available on paying the joining fee and activating the card.
With Taj Epicure Membership, you will get the facility of free night stay.
Every Rs 200 spent on retail transactions other than tax, fuel and rent payments will earn you 6 ICICI Bank Reward Points. Every Rs 200 spent on grocery, education, utility and insurance payments will earn you 6 ICICI Bank Reward Points. The value of each reward point is up to Rs 1.
Expenses made on Grocery, Utility and Education will earn a maximum of 1,000 reward points per category in one statement cycle. Expenses made on Insurance will earn a maximum of 5,000 reward points per category in one statement cycle.
Joining fee: Rs 12,499
Annual Charge: Rs 12,499 (This annual charge is refunded if Rs 10 lakh or more is spent through the card. And this refunded annual charge will be calculated in the next year.
You will be able to enjoy add-on card 3 times for free with your primary card.
The cardholder gets two EaseMyTrip air travel vouchers of Rs 3,000 each for spends of first Rs 4 lakh and next Rs 4 lakh.
ICICI Emeralde Credit Card
Joining fee is Rs 12,000 plus applicable GST
Unlimited bars Free access to domestic and international airport lounges
Unlimited bar free spa access at Indian airports.
BOGO offer on movie and event tickets, up to Rs 750 on tickets up to four times every month.
Up to four free rounds of golf based on applicable spend from the previous month.
ICICI Sapphiro Credit Card
Joining fee is Rs 6,500 plus applicable GST.
You get a welcome voucher of Rs 9,000.
Buy one movie ticket from BookMyShow and get Rs. 500 off on the second ticket. This discount can be availed twice in a month.
Free access to international airport lounges twice a year.
Free access to domestic airport lounges 4 times per quarter.
ICICI Rubyx Credit Card
Joining fee is Rs 3,000 plus applicable GST
Welcome voucher of Rs 5,000
25% off on movie tickets twice a month via BookMyShow and Inox
Air accident insurance of Rs 1 crore and Rs 50,000 will have to be paid in case of loss of card.
Free golf rounds twice a month.
ICICI Coral Credit Card
Joining fee is Rs 500/-. Annual fee is also the same.
25% discount on movie tickets twice every month through BookMyShow and Inox.
Free lounge access to one railway and domestic airport lounge every quarter
One percent fuel surcharge waiver at HPCL petrol pumps.
ICICI Manchester United Platinum Credit Card
Joining fee is Rs 499 plus applicable GST. Annual fee is also the same.
manchester united football for free
Maximum 3 reward points for every Rs 100 spent
25% off on tickets up to Rs 100 at select cinema retailers
Free access to airport lounges once every quarter
ICICI Manchester United Signature Credit Card
Joining fee is Rs 2499 plus applicable taxes and annual fees.
Manchester United football for free and hold-all
Maximum 5 reward points for every Rs 100 spent.
25% off on tickets up to Rs 150 at select cinema retailers
Free access to airport lounges twice every quarter
ICICI Platinum Credit Card
No joining and annual charges.
2 reward points per Rs 100 spent on all items except fuel expenses
One percent fuel surcharge waiver on HPCL petrol pumps
,Note: This news based on the best credit card is for your information. Before taking a credit card issued by any bank, understand all the important aspects related to it. Also, decide to take it after knowing the terms and conditions thoroughly.)
