Here’s our pick of the top six Credit Cards based on perks and benefits that’ll go very well not just with your high Credit Score but also your lifestyle.
Credit Cards have travelled a long way to become a life-essential product today. Its uses are many and a Credit Card helps you achieve a lot more than just a higher purchasing power. Many might not know this, but having a Credit Card and using it wisely can have a big, positive impact on your Credit Score.
On one hand, a Credit Card helps you manage your budget, and on the other, it helps increase your Credit Score. So, if you have a low Credit Score, a Credit Card is a great way to improve your rating. If you already have a high-flying score then we have Credit Card deals you cannot refuse.
Here’s our pick of the top six Credit Cards based on perks and benefits that’ll go very well not just with your high Credit Score but also your lifestyle.
Additional Reading: Credit Cards If You’re Earning Less Than Rs. 20,000 Per Month
JetPrivilege HDFC Bank Diners Club Credit Card
This co-branded Credit Card combines the benefits of Jet Airways and Diners Club with the privileges of HDFC Bank. The JetPrivilege HDFC Bank Diners Club Credit Card gives you exclusive benefits on Jet Airways flight bookings and on dining out. This card is ideal for someone who is a frequent flyer and has a high-end lifestyle.
Joining Perks
- Up to 30,000 bonus JPMiles. Get 10,000 JPMiles on the first swipe of Rs. 150 or above within first thirty days and 10,000 JPMiles on spending Rs. 75,000 in the first 90 days.
- Get 15 JP Tier points on activation of your card.
- Complimentary domestic Jet Airways ticket with base fare waived on card renewal.
Rewards You’ll Love
- 8 JPMiles per Rs. 150 spent on retail except for fuel.
- 3X JPMiles (24 JPMiles) per Rs. 150 for all travel bookings on the Jet Airways website.
- Discount voucher of Rs. 750 applicable on domestic Jet Airways return tickets on paying joining fees and on card renewals.
- Exclusive fine-dining privileges at top restaurants.
- Personalised 24×7 concierge services for all your bookings.
- Fuel surcharge waiver of up to Rs. 250 per cycle on fuel transactions between Rs. 400 and Rs. 5,000.
Check your eligibility for this card.
Additional Reading: Top 5 Credit Cards For Airport Lounge Access
ICICI Bank Rubyx Credit Card
ICICI Bank Rubyx Credit Card is India’s first dual platinum Credit Card. You get two Credit Cards with one account and numerous benefits. You can choose from 3 different reward plans (shopping, essentials or travel) depending on your spend category.
Joining Perks
- On joining, get a complimentary Sennheiser HD219 headphone set. This will be delivered to you within 30 days of payment of the Rs. 3,000 joining fee plus applicable tax.
- Get a Shoppers Stop voucher worth Rs. 200.
- Get a Provogue voucher worth Rs. 2,499.
Rewards You’ll Love
- Complimentary round of golf every month at a golf course of your choice based on eligible spends on your card.
- 2 complimentary domestic airport lounge visits per quarter courtesy of MasterCard and 10 domestic airport lounge visits per year courtesy of American Express.
- Minimum 15% savings on your dining bill at over 2,500 restaurants across India, courtesy of the Culinary Treats program.
Check your eligibility for this card.
Additional Reading: Best Credit Cards For Movie Buffs
American Express® Platinum Travel Credit Card
The American Express Platinum Travel Credit Card is ideal for frequent travellers. This card provides a wide range of travel benefits and privileges that will make your trips more interesting and rewarding.
Joining Perks
- 5,000 Bonus membership rewards points. These are redeemable for travel vouchers worth Rs. 4,000.
- Travel vouchers worth up to Rs. 7,700on annual spends of Rs. 1.9 lakhs.
- Cardholders can avail travel vouchers worth over Rs. 11,800 on spending Rs. 4 lakhs in a year. Also get a voucher worth Rs. 10,000 from the Taj Group.
Rewards You’ll Love
- 4 complimentary visits per year to 30 airport lounges in Delhi, Mumbai, Bengaluru and 9 other cities.
- Complimentary Priority Pass membership, with US$99 annual membership fee waived.
- The American Express Platinum Travel Credit Card may be enabled for contactless payments as well.
- Customers can avail up to 20% discount at certain restaurants through the American Express Selects Dining Programme.
Additional Reading: Best Credit Cards For Grocery Shopping
Citi Rewards Card
The Citi Rewards Credit Card is a standard Credit Card offered by Citibank that aims at providing good deals and offers on customers’ shopping experience. Customers can earn extra reward points faster and redeem them to enjoy attractive offers on travel, shopping, etc. Since these reward points do not expire, they can be accumulated over time and can be redeemed for vacation trips, air miles, cashbacks and premium merchandise.
Joining Perks
- 1,500 bonus points on your first spend within 30 days of card issue.
- 1,000 bonus points on your first spend of Rs. 1,000 within 60 days of card issue.
- No expiry date for accumulated reward points.
Rewards You’ll Love
- Up to 15% savings at participating restaurants.
- Instantly redeem your reward points against movie tickets, travel bookings, mobile services, and more.
- EMI privileges on shopping, consumer electronics, mobile phone outlets, leading retail chains and e-retailers.
Check your eligibility for this card.
ICICI Bank Coral Contactless Credit Card
With ICICI Bank Coral Contactless Credit Card, you get unlimited cash rewards and make speedy bill payments. From free movie tickets to discounts on dining bills, you can enjoy attractive benefits using this card.
Joining Perks
- Complimentary tie worth Rs. 999 from Provogue.
- Shoppers Stop voucher worth Rs. 200.
- Provogue voucher worth Rs. 2,499.
Rewards You’ll Love
- 2X cash rewards on dining, grocery and supermarket spends.
- Up to 10,000 additional reward points every anniversary year.
- Minimum 15% savings on dining bills.
- Cardholders can get 1 complimentary domestic airport lounge and 1 railway lounge visit per quarter.
- Buy one movie ticket and get one free from BookMyShow.
Check your eligibility for this card.
Additional Reading: Dining Out Gets Rewarding With These Credit Cards
Axis Bank Neo Credit Card
This Credit Card offers a world of Platinum benefits and exceptional Neo privileges for Axis Bank customers. The Axis Bank Neo Credit Card is a one-of-a-kind card that is packed with features like welcome offers, cashback, and entertainment benefits, lost card liability insurance, EMI facility, a powerful rewards program and much more.
Joining Perks
- Jabong gift voucher worth Rs. 500.
- BookMyShow voucher worth Rs. 300.
Rewards You’ll Love
- Earn 2 points for every Rs. 200 spent through your Credit Card.
- 10% off every time you book a movie ticket through BookMyShow. Maximum monthly benefits of up to Rs. 50.
- 10% off every time you book bus tickets through RedBus. Maximum monthly benefits of up to Rs. 100.
- 10% cashback on mobile recharge through the Freecharge mobile app. Monthly benefits of up to Rs. 30.
- 10% off on Myntra purchases of Rs. 500 & above.
Check your eligibility for this card.
Additional Reading: Save On Fuel With These Credit Cards
Getting a Credit Card is now a fairly simple process. All you need is your filled-up application form and a few documents like identity and address proof. Once you submit your application, your Credit Card application undergoes an eligibility and Credit Score check.
Banks analyse your record of late payments and defaults by checking your Credit Score. Your credit report is a record of any loans or Credit Cards that you currently hold. Banks also use your Credit Score to gauge your diligence when it comes to paying your loan EMIs and Credit Card bills. Banks also check your Credit Score to see the number of Credit Card and loan applications made by you. Too many applications made at the same time could paint you as a credit-hungry person and is bad for your loan or Credit Card approval.
If you want to check your Credit Score, you don’t have to go anywhere. Just click here and check your Experian Credit Score for free. Once you register with BankBazaar, we’ll send your notification every time your score changes.
If you know your score and want a Credit Card then don’t wait. Our amazing collection of Credit Cards is sure to make you happy.