Be it any time of the year; everyone loves cashbacks and great offers, be it festive offers or not. Whether you’re planning a family tour or a solo trip, draped by the best offers; credit cards ensure you a hassle-free and peaceful journey time, ensuring valuable money back proposals.
The Digital Applications of today’s generation proffer numerous methods for efficiently managing Credit cards. CRED poses as a great application that helps you to manage your credit cards and pay credit card bill online.
Yet choosing the best credit card for yourself might not be one of the easiest of choices to make. Here are the best ten premium credit card picks with their unique features and a good value proposition.
1. HDFC Bank Diners Club Black Credit Card
Arriving with a lucrative 10X Reward points program, it’s undoubtedly one of the best premium credit cards in India. With an extensible 10X program, since the past two years, this Presents you with a top-of-market 3.33 % reward rate by default on all retail transactions which is just perfect(1 point=1 INR in travel rewards).
A notable perk of this credit card includes unlimited access to more than 850 diners club airport lounges and six golf games quarterly along with a fantastic package of other bonuses.
Amazingly, this credit card’s foreign currency transaction fee is one of the lowest in India, that is 2.0 %. This credit card requires a qualification of a steep annual income of at least 21,00,000 INR, succeeding which it poses as the most valuable premium card.
2. Standard Chartered Ultimate Card
Aside from the standard chartered ultimate card, the high spenders will not be able to find a better premium credit card for cashbacks. Initially, you would jet off with a fantastic welcome gift from MakeMyTrip on tickets of up to 10,000 INR within the first ten days of being the cardmember.
Rushing into the general card spend, you will be required with an amazing 3.33% cashback rate. It also holds out good travel proposals like one free priority pass visit per month, 5% off on duty-free purchases and 2% foreign transaction fee, driving in a better shopping experience.
This card provides a discount of up to 25% in terms of dining on over 250 selected restaurants in the major cities of India. Thus this card is the best choice for the ones seeking a versatile cashback card.
3. HDFC Infinite
The HDFC infinite card falling under “Visa infinite” or “MasterCard world”, gives you an equivalent amount of 3.30 INR for every 100 INR spent. Including its priority pass membership, you can easily get unlimited access to various airport lounges across the globe.
You also gain new complementary food Wi-Fi coffee posh interiors and peace of mind aura during travel and resting in comfortable locations. It also shares the lowest 2% foreign currency markup fee.
4. SBI Card Elite
With this card, jauntily relish unlimited complimentary golf games at the top courses across India and selected courses across the world. Highly loaded with the premium privileges across numerous lifestyle categories consisting of entertainment travel dining and daily spends, the SBI card Elite comes with an exclusive gift voucher of worth 5000 INR.
Fabulous offers from international brands like Marks and Spencer, Shoppers Stop, among other brands. Great bonus reward points of up to 50000 INR, six free international and two open domestic lounge visit every year, free movie tickets worth 6000 INR per year, complimentary membership to the club Vistara and the trident privilege program. In all its card for the elite class.
5. American Express Platinum Travel Credit Card
One of the reliable premium credit cards on the market regarding its travel-related anniversary bonuses, these include nearly 30,000 INR in travel and Taj hotel vouchers presuming that you clear off 400000 INR in spending.
On a roll the outsider expenses of utilities and insurances you would get a relatively high value back of 0.88 % on all card charges or rather 0.92 % back if you redeem for travel vouchers.
You receive a variety of options of cash travel vouchers, Amazon vouchers or InterMiles at successively varying the rates of their redemptions. This is ideally suited for excellent monetary value and Taj perks so that you can indulge in the world of travelling.
6. Citi Cashback Card
This card benefits you in earning in the very process while you’re spending. Manufactured with just “tap the card” system at the contactless terminal for paying bills.
This card possesses a brilliantly curated package of several cashback offers with 5% cashback on movie tickets and phone bill payments, 5% cashback on utility bill payments on paying online through Citibank online bill pay and 0.5 % cashback on another spending.
Exclusive dine-out and shopping benefits and 20% savings in several participating restaurants along with the service of making purchases on EMI at over 2000 mobile phones electronics and retail outlets is also there. The card is just the perfect cashback credit card for you.
7. IndusInd Bank Platinum Card
Gesturing as the ideal credit card for the people who wish to live a busy life, this credit card offers multiple lifestyles and dine out benefits to its cardholders.
You can easily avail Accor Plus program membership which allows you to cherish up to 15% discount on beverages across Asia and a 50% discount on dining across the Asia Pacific. Members can avail exclusive discounts on hotel booking and complimentary night stay.
You can grab fantastic deals from various travel and shopping partners like Satya Paul, Jet Airways, Woodland and United colours of Benetton. On swiping this card on BookMyShow, get discounts on movie tickets. Remarkable benefits on complimentary priority pass and access to airport lounges in India and abroad.
8. SBI SimplyCLICK Credit Card
Thoughtfully devised for all the online spenders, especially on Amazon, this card has tie-ups for 10x rewards on top brands like Amazon, Bookmyshow, Cleartrip foodpanda, FabFurnish, LensKart, Ola and Zoomcar. 5x rewards on other online expenses for 100 INR; cumulative of 1 reward point for 100 INR.
With SBI simplyclick, you get 1.25% returns on regular online spends and 2.5%returns when spending on a partner’s site. It comes with a welcome gift from Amazon worth 500 INR voucher, 700 INR.
Instant cashback on domestic round trip flights of your 5000 INR or more booked using the Cleartrip mobile app. Just the absolute credit card for Amazon users.
9. HDFC Moneyback Credit Card
Finely curated for moviegoers and shoppers, this card provides some of the excellent dining, shopping and entertainment proposals in India. Appearing with a minimal annual fee, you can earn EDGE loyalty reward points on every 200 INR spent using the card. You can easily convert transactions of 2500 INR and above into EMI.
Enjoy an amazing 10% cashback on mobile recharge, 10% discount on every transaction of at least 500 INR made on Myntra and vouchers of 200 INR from BookMyShow. Cardholders can enjoy a zero lost card liability with no annual chargeable fees for the first year.
10. HDFC Regalia Credit Card
Fostering your luxury, HDFC presents you with regalia that caters you with discounts on dining offers on travel good rewards programs and the comprehensive protection plan.
This card has been recorded as the best premium credit card in India for many years. That gets you four reward points for every 150 INR retail spends including utility bills such as insurance, education and rent.
But that’s not all, you can get 12 complimentary domestic and international airport lounge access every calendar year, up to 70% redemption rewards on flight and hotel booking. You also get10,000 reward points and spending 500000 INR on the card and an additional 5000 points on reaching the milestone of the expenditure 800000 INR.