Want to know about credit cards offers? Step in our blog. Everyone like to save money, in such a case, in 2024, credit card providers are giving out competitive offers to meet diverse consumer needs, from maximizing rewards to supporting financial wellness. So, choosing the right credit card can lead to significant savings, exclusive perks, and a streamlined financial experience. Below is a guide to understanding the best offers, their benefits, tips for selection, common mistakes to avoid, and the process of applying effectively. Read to know more…
What is Credit Card Offers?
Credit card offers are special promotions and benefits provided by credit card providers to attract and reward customers. These can include rewards programs, welcome bonuses, introductory 0% APR periods, cashback, and exclusive perks like travel benefits or purchase protection. They help users earn rewards or save on interest based on their spending.
Top 15 Credit Cards To Use in 2024
| Best Credit Cards | Credit Card Names | |
| 1 | Best Travel Credit Card | Atlas by Axis |
| 2 | Best Cashback Credit | Cashback by SBI |
| 3 | Best Dining Credit | Swiggy by HDFC + Eazy Diner by Induslnd |
| 4 | Best Beginners Credit | Amazon Pay by ICICI |
| 5 | Best LTF Credit Card | Amazon Pay by ICICI / Ixigo Credit Card by AU |
| 6 | Best Fuel Credit card | Indian Oil Xtra by RBL/ BPCL Octane by SBI |
| 7 | Best Rupay Credit Card for UPI spends | Kiwi by Yes Bank/ Tata Neu Infinity by HDFC |
| 8 | Best Credit Card for BMS/Entertainment | Sapphiro by ICICI / Kotak PVR |
| 9 | Best Credit Card for Insurances | Tata Neu Infinity by HDFC /Amazon Pay by ICICI |
| 10 | Best Credit card for Utility Bills | Airtel Axis credit card |
| 11 | Best Forex Credit Card | Ixigo Credit Card by AU |
| 12 | Best Credit card Rent Payments | Amex MRCC |
| 13 | Best Credit card Govt. spends/taxes | BizBlack by HDFC |
| 14 | Best Credit Card for Gold/jewelry purchases | Tata Neu Infinity by HDFC / Amazon Pay by ICICI |
| 15 | Best Credit Card for Top Spenders | Amex Platinum Charge Infinia by HDFC |
1. Atlas by Axis (Best Travel Credit Card)
An airline agnostic credit card that will help you on all of your travels. Take advantage of special travel benefits and more. To make your travel exciting The Atlas by Axis credit card offers you welcome benefits, tiered benefits, annual benefits, and milestone benefits. The privileges you get with this credit card offer are airport benefits, a dedicated portal and dining delights.
Eligibility Criteria:
1. Between 18 – 70 years (primary cardholder)
2. Over 18 years for the add-on cardholder
3. Income criteria:
- Salaried: Rs. 12 L and above of net annual income
- Self-Employed: Rs. 12 L and above of net annual income
4. Should be a resident of India
Additional Features:
- Joining Cost: ₹5,000
- Annual Fee: ₹5,000.
- Reward Points/Cashback: Likely focused on travel rewards and points per ₹100 spent on travel.
- Insurance: Air Accident Coverage, Lost Baggage Insurance
- Lounge Access: Yes, usually complimentary domestic/international lounge access.
2. Cashback by SBI (Best Cashback Credit Card)
Benefits of using Cashback SBI credit card:
- Hassle free
- Spend Based Reversal
- Fuel Surcharge Waiver
- Contactless Advantage
- Worldwide Acceptance
- Add-on Cards
- Utility Bill Payment Facility
- Balance Transfer on EMI
Features of Cashback by SBI credit card:
- Joining Cost (one time): Rs. 999
- Renewal Fee (per annum): Rs. 999 from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.
- Reward Points/Cashback: Cashback on all spends, typically 5% on online spending and 1% on offline spend.
- Insurance: Basic insurance options are available.
- Lounge Access: Not provided.
3. Swiggy by HDFC + EazyDiner by IndusInd (Best Dining Credit)
Swiggy HDFC Bank Credit Card Eligibility:
For Salaried Indian national
- Age: Min 21 years & Max 60 Years
- Net Monthly Income > Rs.15,000
For Self Employed Indian national
- Age: Min 21 years & Max 65 Years
- ITR > Rs 6 Lakhs per annum
Features:
- Joining Cost: ₹500 /- + Applicable Charges
- Annual Fee: May be waived based on spending criteria.
- Reward Points/Cashback: 1% – 5% cashback or discounts on dining, especially with Swiggy
- Insurance: Typically limited.
- Lounge Access: No.
EazyDiner by IndusInd Features:
- Joining Fee: INR 1999
- Annual Fee: INR 1999
- Lounge Access: Two complimentary domestic visits
- Reward Points/Cashback: Earn 10 Reward Points on every ₹100 spent on dining, shopping and entertainment
- Insurance: Unauthorised transactions in case of loss/theft of card, Counterfeit fraud
4. Amazon Pay by ICICI (Best Beginners Credit Card)
You can save money even when you spend with the Amazon Pay ICICI Bank Credit Card and get exclusive perks. Everywhere and at any time, this card pays you. You can have as many celebrations as you like because it was made specifically for you. Waiver of the 1% surcharge on all fuel purchases.
- Joining Cost: Generally free.
- Annual Fee: Free
- Reward Points/Cashback: 1-5% Cashback on Amazon and other spends.
- Insurance: Not usually offered.
- Lounge Access: Not included.
5. Amazon Pay by ICICI / Ixigo by AU (Best LTF Credit Card)
Amazon Pay by ICICI Features:
- Joining Cost: Free.
- Annual Fee: Free for life.
- Reward Points/Cashback: 1-5% Cashback on Amazon and other spends.
- Insurance: No.
- Lounge Access: Generally none.
Ixigo by AU (Best LTF Credit Card)
Ixigo and AU Small Finance Bank partnered to develop the ixigo AU Credit Card, a co-branded travel credit card. You may save money on travel reservations and get reward points for both online and offline purchases, including those made on ixigo, by applying for this lifetime free credit card. You can select from both the Visa and RuPay versions of this travel rewards card. You will get 10 points on online transaction and 5 points on offline transactions, 20 points on train booking.
Features:
- Joining Cost: Rs. 999 + GST, but it can be waived if the cardholder spends Rs. 1,000 within the first 30 days of card issuance.
- Annual Fee: Rs. 999 + GST can also be waived if the cardholder spends Rs. 1,00,000 in the previous year.
- Reward Points/Cashback: 1000 reward points, 10% reward points
- Insurance: no
- Lounge Access: 1 Complimentary International Lounge Access every year, 16 Exclusive Complimentary Domestic Airport and Railway Lounge Access every year.
6. Indian Oil Xtra by RBL / BPCL Octane by SBI (Best Fuel Credit Card)
- Joining Cost: ₹1,500 + GST
- Annual Fee: waived if you spend more than INR 2,75,000 per year
- Reward Points/Cashback: 15 fuel points on every INR 100 spent at IndianOil fuel stations
- Insurance: Basic insurance options.
- Lounge Access: Generally limited or not provided.
7. Kiwi by Yes Bank / Tata Neu Infinity by HDFC (Best Rupay Credit Card for UPI)
- Joining Cost: Usually around ₹500-₹1,500.
- Annual Fee: Similar range.
- Reward Points/Cashback: Cashback/rewards on UPI spends.
- Insurance: Some coverage available.
- Lounge Access: Varies, generally limited.
8. Sapphiro by ICICI / Kotak PVR (Best Credit Card for Entertainment)
- Joining Cost: ₹6500.
- Annual Fee: ₹3500.
- Reward Points/Cashback: Discounts on movie tickets and entertainment.
- Insurance: 1 RP on Utilities & Insurance
- Lounge Access: 2 complimentary access per year at International Airport Lounges, 4 complimentary access per quarter at a Domestic Airport Lounge (India)
9. Tata Neu Infinity by HDFC (Best Credit Card for Insurances)
Tata Neu Infinity HDFC Bank Credit Card Eligibility:
For Salaried Indian national
- Age: Min 21 years & Max 60 Years
- Net Monthly Income > Rs 1 Lakh
For Self Employed Indian national
- Age: Min 21 years & Max 65 Years
- ITR > Rs 12 Lakhs per annum
Features:
- Joining Cost: ₹1,499/- + Applicable Taxes
- Annual Fee: ₹1,499/- + Applicable Taxes
- Reward Points/Cashback: Cashback and rewards.
- Insurance: Likely covers insurance purchases.
- Lounge Access: Varies.
10. Airtel Axis Credit Card (Best Credit Card for Utility Bills)
Eligibility Criteria:
- Between the age of 18 – 70 years (primary cardholder)
- PErson should be Resident of India
Features:
- Joining Cost: ₹500
- Annual Fee: Rs, 500 on 2nd year onwards
- Reward Points/Cashback: 25% Cashback on utility bills.
11. Ixigo Credit Card by AU (Best Forex Credit Card)
- Joining Cost: Around ₹500-₹1,000.
- Annual Fee: Based on variant.
- Reward Points/Cashback: Travel/forex cashback.
- Insurance: Generally available.
- Lounge Access: Often includes lounge access.
12. Amex MRCC (Best Credit Card for Rent Payments)
- Joining Cost: ₹4,500-₹5,000.
- Annual Fee: ₹4,500-₹5,000.
- Reward Points/Cashback: Points on regular spends.
- Insurance: Limited.
- Lounge Access: Limited or not included.
13. BizBlack by HDFC (Best Credit Card for Govt. spends/taxes)
- Joining Cost: Higher, often above ₹5,000.
- Annual Fee: High-end fee structure.
- Reward Points/Cashback: Cashback on government spends/taxes.
- Insurance: Often includes insurance.
- Lounge Access: Likely includes access.
14. Tata Neu Infinity by HDFC / Amazon Pay by ICICI (Best Credit Card for Gold/Jewelry)
- Joining Cost: Around ₹1,500.
- Annual Fee: ₹500-₹1,500.
- Reward Points/Cashback: Rewards on jewelry purchases.
- Insurance: Some coverage is available.
- Lounge Access: Limited.
15. Amex Platinum Charge / Infinia by HDFC (Best Credit Card for Top Spenders)
- Joining Cost: Typically very high, around ₹5,000-₹50,000.
- Annual Fee: High-end fee.
- Reward Points/Cashback: High rewards on luxury spends.
- Insurance: Comprehensive insurance coverage.
- Lounge Access: Extensive lounge access, both domestic and international.
For exact and updated information, checking with the respective banks will be best, as credit card benefits can vary and change often.
Benefits of Top Credit Cards in 2024
The best credit cards of 2024 are useful financial tools since they provide a lots of advantages beyond simple transactions. Using the top credit card offers this year has the following main benefits:
1. Generous Rewards Programs
Many of the top cards offer impressive rewards, such as cashback, points, or travel miles on everyday purchases you do with offers on credit card. Depending on the credit card offers, you can earn high rewards on groceries, dining, gas, or travel. For frequent travelers, some offer cards provide miles that can be redeemed for flights and hotels, saving money on trips.
2. Welcome Bonuses
To attract new customers, leading credit cards often offer welcome bonuses. By meeting a minimum spending requirement within the first few months, you can receive bonus cashback, points, or miles, which can be worth hundreds of dollars. This can be a great way to get immediate value from your card offers.
Also Read: Business Credit Cards in India
3. Introductory 0% APR Offers
Many cards offer a 0% introductory APR for a set period, often 12 to 18 months. This feature is ideal for financing big purchases or transferring high-interest balances from other cards, allowing you to pay off balances interest-free during the promotional period.
4. Exclusive Perks and Benefits
Using premium credit card offers in India, you will get unique perks, such as access to airport lounges, travel insurance, rental car protection, and extended warranties on purchases. Some credit offers even offer monthly credits for streaming, dining, or rideshares, adding further value to your card offers.
5. Credit-Building Potential
Using a credit card offers responsibly by paying on time and maintaining low balances can improve your credit score. A higher credit score can lead to better loan rates and financial opportunities in the future.
By choosing the best credit card deals that aligns with your lifestyle, you can enjoy valuable rewards, unique perks, and financial flexibility in 2024.
Tips for Choosing the Right Credit Card
Selecting the right credit card in 2024 requires a consideration at your spending habits and financial needs. Here are some essential tips to guide your choice on choosing the best credit card offers:
- Identify Your Spending Patterns
Consider where you spend the most when it comes to using credit card offers. If you frequently dine out, look for a offer cards with high rewards on dining. For travelers, cards that offer travel rewards or points on airfare, hotels, and car rentals may be ideal. For everyday expenses, a cashback card offers can maximize your savings on routine purchases.
- Compare Rewards and Fees
High rewards often come with an annual fee. If you’re able to offset the fee through rewards and benefits, it may be worth it. However, if you prefer a no-fee option, look for offer cards with decent rewards without an annual charge.
- Look at Interest Rates
If you don’t plan to pay off your balance in full each month, prioritize offer cards with a low interest rate or a 0% introductory APR offer. This credit card best deals can help you manage balances and reduce interest costs, especially on large purchases.
- Consider the Perks
Premium cards offer additional benefits like airport lounge access, travel insurance, and purchase protections. These credit card deals can add substantial value if you travel or make high-value purchases often.
- Check Redemption Flexibility
Ensure the rewards are easy to redeem. Some cards offer cashback as a statement credit, while others allow point transfers to airline and hotel partners, giving you flexibility.
By considering these factors, you can choose a credit card offers that aligns with your lifestyle and maximizes value.
Also Read: How to Transfer Money from Credit Card to Bank Account
Mistakes to Avoid When Choosing a Credit Cards Offers
- Ignoring Annual Fees
High annual fees are sometimes justified by rewards, but only if you’ll use the perks. If you’re not likely to redeem the benefits of best credit card deals, consider a no-fee card.
- Ignoring Interest Rates
Focusing only on rewards while ignoring the interest rate is a common mistake, especially if you carry a balance. A high APR can negate the value of rewards earned, so prioritize low APR options if you anticipate carrying a balance.
- Choosing the Wrong Rewards Type
Opting for a rewards type that doesn’t align with your spending can reduce the cards offer value. If you don’t travel often, a travel rewards card might not be as beneficial as a cashback card offer.
- Not Considering Redemption Options
Some rewards are easier to redeem than others. Choose a credit card deals with flexible rewards redemption options, like cashback or versatile travel points, to maximize your rewards’ usability.
Also Read: How to Make Money with a Credit Card
How to Apply for a Credit Card
How to apply credit card offers for me? Follow the below listed steps:
1. Check Your Credit Score
Before applying for the best credit card offer, know your credit score. Many top-tier credit cards require good to excellent credit, typically a score of 670 or above. Checking your score also helps you anticipate which offer cards you’re more likely to be approved for.
2. Compare Offers
Research several credit cards offer to find the best fit for your needs. Consider the rewards structure, fees, APR, and perks offered. Many comparison websites allow you to view the features side-by-side.
3. Prepare Required Information
When you apply for the best credit cards, you’ll need to provide personal details, including your Social Security number, income, and employment information. Have these details ready to expedite the process.
4. Apply Online or Through the Bank
Most credit cards can be applied for online, and the process is simple and easy. After submitting, you’ll often receive an approval decision within minutes, though some applications may require further review.
5. Review Terms and Activate the Card
Upon approval, review the card terms and conditions, noting the APR, billing cycle, fees, and any promotional offers. Once you receive your card, activate it according to the instructions provided to start using it with all the cards offer.
Also Read: Best Airport Lounge Access Credit Card Offers
Bottom Line
Finding the best credit card in 2024 can provide valuable rewards, exclusive benefits, and potential cost savings. By analyzing your financial needs, comparing card features, and avoiding common mistakes, you can make a choice that fits your lifestyle and financial goals. Always keep track of your spending, use your card responsibly, and enjoy the perks that come with making a smart choice!