Credit cards offer comprehensive benefits, including shopping, dining, entertainment, travel, etc. By using such credit cards, users can save money on items across various categories and take advantage of multiple benefits. However, there are so many options on the market that it can be difficult to find a single credit card online suitable for multiple categories.
Listed below are some of the best all-around credit cards available in India
Bajaj Finserv RBL Bank SuperCard
The card combines the benefits of a credit card, loan card, EMI card and cash card. Its best feature is the 5% cashback on down payment at any Bajaj Finserv Network partner store. Aside from that, you can save up to Rs. 55,000 every year and convert all purchases over Rs. 2,500 into simple EMIs. If you have a steady source of income, are between the ages of 25 and 65, have a credit score of at least 750, and are an Indian citizen, you can easily apply for a credit card.
ICICI Instant Platinum Card
ICICI Bank offers its new customers the Instant Platinum Card. Using this card regularly will allow you to create a new credit history regardless of your credit score or history. You can get this credit card online by making a fixed deposit with the bank. You need to have an existing savings account as well. This credit card is good for cashback and rewards and is a good option for people who are not salaried employees, such as students and homemakers.
SBI Elite Credit Card
This credit card offers exciting rewards and vouchers. Applying for an SBI credit card online is hassle-free and convenient. SBI Card Elite customers receive welcome e-gift vouchers worth Rs 5,000 from Yatra, Bata, Shoppers Stop, etc., and complimentary Trident Membership and Club Vistara membership. Fees for foreign currency fluctuation are 1.99%. Internationally, six lounge accesses are offered domestically; two lounge accesses are offered. In addition, it provides 5X reward points on department stores, dining, groceries, and other benefits.
Amazon Pay ICICI Credit Card
If you’re planning to apply for this ICICI credit card online, you should also sign up for an Amazon Prime membership since Prime members get 2% higher cashback on Amazon purchases. Additionally, you receive 2% cashback when you pay with Amazon Pay. The rest of your purchases earn you 1% cashback. The Amazon Pay ICICI Card is unquestionably one of India’s greatest online purchasing credit cards. Amazon is one of the most widely used platforms, selling anything from furniture and electronics to stationery and food. So whatever you require, Amazon has it, and if you use this credit card, you will be rewarded a handsome amount and rewards from Amazon.
Bajaj Finserv RBL Bank Platinum Choice Credit Card
There is no doubt that the Bajaj Finserv RBL Bank Platinum Choice credit card is one of the best credit cards in India one can obtain. This card offers rewards on online and regular expenses. In addition, you will also receive discounts from BookMyShow. Moreover, you can enjoy complimentary domestic airport lounge access with this credit card. Applying for this credit card requires a good credit score.
Final Thoughts
Follow a disciplined credit-management approach. Having a credit card isn’t enough; you need to use it wisely and responsibly. For example, while shopping with partnered merchants, there is a possibility of overspending because of the long interest-free period credit cards offer. If you cannot pay your bill on time, it results in a steep interest charge of 28 to 49 per cent per year. So it is best to research before availing of a credit card, and you should use the credit card wisely.
