Credit cards nowadays are upgrading themselves and providing new offers to their cardholders. Read on to know the various features and benefits of various credit cards. Choose a card that meets your spending needs and also gives you benefits.
Here are some best money back credit cards to choose from.
Best Credit Cards 2022
Axis Bank Ace Credit Card
Annual fee: Rs.500
Features & Benefits
- 5% cashback on Google pay transaction
- 5% cashback on the big basket, grofers
- 4% cashback on swiggy, zomato and ola
- 2% cashback on all other spends
Flipkart Axis Bank Credit Card
Joining fee: Rs.500
Annual fee: Rs.500
Features & Benefits
- 5% cashback on shopping
- 4% cashback on ola, Uber and swiggy
- 1.5% cashback on another husbandry
- No capping
HDFC Bank MoneyBack Credit Card
Joining fee: Rs.500
Renewal fee: Rs.500 (2nd year onwards)
Joining Bonus: Rs.500
Features & Benefits
- For every Rs.150 spent there are 2 rewards.
- For every Rs.150 spent on online shopping, there are 4 rewards
- Spend Rs.50000 in 3 months and get an e-voucher of Rs.500
- You will get a free accidental death insurance maximum of Rs.50 lacs.
- 100 Reward points = Rs.20
Amazon Pay ICICI Credit Card
Free to Join
Features & Benefits
- 5% cashback on Amazon (Applicable only for Prime Member)
- 3% for Non-Prime members
- 2% cashback to 100 listed merchants
- 1% cashback for other transactions
- It is free for a lifetime. There is no joining and annual fee.
HDFC Bharat CashBack Card
Joining fee: Rs.500
Renewal Membership fee: Rs.500
Features & Benefits
- 5% cashback on bill payment/fuel / IRCTC
- 5% cashback on Payzapp/Smart Buy/Easy EMI
- 5% cashback on fuel spends
- 1% fuel surcharge waiver on fuel transactions
Citi Cash Back Credit Card
Joining fee: Bank would inform at the time of procurement of the card.
Annual fee: Rs.500
Features & Benefits
- 5% cashback will be provided on booking of movie tickets
- 0.5% cashback on other spend
- Your unredeemed cash back never expires
- 0.5% cash back on purchases
- 5% cashback for telephone bills
- 5% cashback utility bill payment
HDFC Millennia Cashback Credit Card
Joining fee: Rs.500
Annual fee: Rs.500
Features & Benefits
- 5% cashback on shopping via payzapp and smart buy after spending 2000 or above.
- 2.5% cashback on online expenditures
- 1% cashback on offline spends
- Points valid for two years
Best Rewards Credit Card
Yes Prosperity Reward Plus Credit Card
You can earn on international transactions, shopping, dining etc. It is the best option for you if you are looking for premium privileges on your credit card.
There is no joining and renewal fee.
Joining Bonus: Spending Rs.5000 within 30 days of the card issuance, you can earn Rs.1250 reward points.
Features & Benefits
- There are accelerated reward points on birthdays, e-commerce transactions and international POS
- Fuel surcharge waiver on fuel transactions of Rs.400 to Rs.5000 anywhere in India.
- Attractive offers on categories like dining, wellness, shopping etc.
- Insurance of primary cardholder if there is accidental death
SBI simply click Credit Card
This credit card is suitable for those who love online shopping. The card provides you 10% and 5% reward points on online sites like Amazon, lenskart, needs and all other online spends simultaneously.
Annual fee: Rs.499
Renewal fee: Rs.499
Features & Benefits
- 1% fuel surcharge waiver
- An annual fee waiver and milestone rewards are available
- 1 reward point in every Rs.100 on other spends
- With the FlexiPay option, any purchase above Rs.2500 can be converted into an EMI purchase
HDFC Freedom Credit Card
You can get rewards, gift vouchers, free accidental death insurance etc.
Joining fee: Rs.500
Renewal fee: Rs.500
Joining bonus: 500 Reward points
Features & Benefits
- Accelerated reward points on retail, HDFC SmartBUY, PlayZapp and birthday spends
- Accidental insurance is a maximum m Rs.50 Lacs
- On spending Rs.90000 yearly you will get a voucher worth Rs.1000
- You will get 1 reward point for every Rs.150 to spend
FinBooster: YES Bank-BankBazaar Co-branded Credit Card
The card helps you to get credit fitness reports every month and reward points for online and retail spending.
There is no joining and annual fee.
Features & Benefits
- 1% waiver on fuel surcharge ( transaction between Rs.400 to Rs.5000)
- Except for fuel expenses, you can get 2 reward points for every Rs.200 to spend on retails
- 5x reward points on online dining spends
Best Airline Credits Cards in 2022
Air India SBI Platinum Credit Card
Annual fee: Rs.4999
Features & Benefits
- Welcome bonus of 20000 reward points
- 1 reward point = 1 Air India Air Mile
- Earn 100000 bonus rewards annually
- 4 reward points on every Rs.100 spent
- 30 reward points on booking tickets by Air India website or mobile app
- The facility of Priority Pass Membership for the International lounge access
Citi PremierMiles Credit Card
Features & Benefits
- 10000 air miles welcome gift as soon as your card is activated
- 3000 bonus after the renewal of the card
- Earn 10 miles for every Rs.100 on airline transaction
- Get 8 miles for every Rs.100 spent on Flipkart, Myntra and Amazon India
JetPrivilege HDFC Diners Club
Annual fee: Rs.500 + GST
Features & Benefits
- Welcome benefit of 30000 bonus JPMiles,15 JetPrivilege Tier Points within the first 90 days of card issuance
- For every Rs.150 spend earn 3x JPMiles
- After payment of membership, you get a complimentary ticket with a base fare waiver and a discount voucher for a return flight ticket at jet airways
Air India SBI Signature Credit Card
Annual fee: Rs.4999
Renewal fee: Rs.4999
Features & Benefits
- Welcome gift of 20000 reward points on joining
- Get complimentary
- Air India Frequent Flyer Program membership-Flying Returns
- For every Rs.100 spend get 4 rewards
- Earn annually 100000 bonus reward
