Best credit card in India 2024: In modern times, payment has become easy for people. To make the transition easy and straightforward, many payment options were available in the market. Even to give a user-friendly experience to the customer, there are many offers and discounts on their payment. Credit card is one of them. That is a very famous method for the payment option to make your transition easy way. Do you want to know how a credit card works? Then your are comes in the right blog. Through this blog, we will discuss the topic of “Best credit card in India 2024” and learn about how to make our payment easy and exciting.
Types of Credit Cards in India 2024
In India, there are different types of credit cards. These credit cards are mentioned below.
- Travel Credit Cards
- Shopping Credit Cards
- Rewards Credit Cards
- Cashback Credit Cards
- Fuel Credit Cards
- Lifetime-free Credit Cards
- Entry-level Credit Cards
- Dining Credit Cards
- Co-branded Credit Cards
- Grocery Credit Cards
- Premium Credit Cards
- Hotel Credit Cards
- Business Credit Cards
Also Read : Tata Teleservice Share Price 2024
Criteria for Selecting the Best Credit Card
We will define some categories to choose the Best credit card in India 2024. These categories are mentioned below.
- Best Credit Cards for Salaried Individuals
- Best Credit Cards for Students
- Best Credit Cards for Shopping and Online Purchases
- Best Credit Cards to Travel
Best credit card in India 2024: Make your payment easy
In the Best Credit Card in India 2024, we are choosing some special credit cards that give a lot of offers and reward points for their customer.
- ICICI Amazon Pay Credit Card
- SBI SimplyCLICK Credit Card
- Citibank Cashback Credit Card
- HDFC Platinum Plus Credit Card
- Axis Bank Insta Credit Card
ICICI Amazon Pay Credit Card
In the list of Best credit card in India 2024 ICICI Amazon Pay Credit Card comes in first. It is a Cobrand credit card of ICICI Bank and Amazon Pay (India) Private Limited. This credit card is best for Amazon shopping purposes and is counted as one of ICICI best credit cards for shopping purposes.
ICICI Amazon Pay credit card benefits from being a free credit card with no membership fee or annual fee. It offers many offers to its customers, which are mentioned below.
This card offers 5% cash back for Prime members at their expense on the Amazon website.
For the nonprime members, it gives them 3% cash back on their expenses on the Amazon website.
Apart from this, During the big billon deals and festival deals, these offers are increased and given more cashback and offers for their customer.
If you are using this credit card for merchant payments, then in this condition, it gives 2% cashback on your payment.
If you are using this credit card for another payment, then in this condition, it is given 1% cashback on this transaction.
A reward point is also given for each payment; you can use this point to get a discount on your payments.
SBI SimplyCLICK Credit Card
In the category of Best Credit Card in India 2024, the SBI SimplyClick Credit Card is another famous credit card. SBI credit card payments are smooth and unique, giving a good user experience.
The benefit of the Sbi Credit Card is that it is given a Rs 500 Amazon gift card voucher for their customer. SBI SimplyClick card comes in the SBI best credit card category.
It gives 5X to 10X reward points for shopping expenses on Amazon, Flipkart, Lensecart, Bookmyshow, and many other platforms.
Through the transition between Rs 500 to 3000 by the SBI Simply Click Credit Card on the fuel. It is given a 1% fuel discount on your transition.
During the festival season, it offers low interest rates for its customers.
Citibank Cashback Credit Card
The City Bank of India provides the Citibank Cashback Credit Card, which is included in the Best Credit Card in India 2024 list. If you spend a lot of money on shopping every month, it is the best credit card for online shopping.
It is helpful to give a discount on every shopping and save your money.
Through this credit card, you can make your payment of Rs 2000 without entering the PIN.
If you pay many bills for the telephone, electricity, movies, and many others in this condition, it is given a 5% discount on your spending.
If you book movie tickets through this credit card, then it is given 5% cash back on the booking.
Through this credit card, you can save 5% on your telephone and utility bills.
It’s given a 5% cashback on all spending.
During the festival sales, it gives a lot of offers on shopping and other expenses.
HDFC Platinum Plus Credit Card
HDFC Platinum Plus Credit Card comes in the category of Best credit card in India 2024 that gives a lot of discount on every spending through the credit card. The services of this card will make it the best credit card in India in 2024.
If you have a vehicle, then you can save a lot of money you spend on fuel and get many reward points.
It is a lifetime free credit card that allows your family, such as your children, parents, and spouses, to be included.
It’s another benefit, giving two reward points for spending Rs 150.
It is called a fuel savior credit card, and you can save 2.5% on fuel consumption.
It gives 50 days to make your transaction interest-free on the purchase date.
Axis Bank Insta Credit Card
Axis Bank Insta Credit Card comes under the category of the best credit card in India 2024 and is suggested for those who are working, employed, and have salaried accounts.
It comes in Axis Bank best credit card list due to its transition and offers.
It comes in the Best credit card in india 2024 with no annual fee
It gives reward points for each Rs 100 transition.
Axis Bank Insta is the best credit card for fuel and gives a 2.5% discount for refueling, but the transition should be from Rs 400 to Rs 4000.
How can I improve my credit score?
To improve your credit score you have to pay your credit card bills from time to time.
How do credit card reward points work?
To earn the reward point you have to make payment through a credit card.
Can I convert my credit card purchases into EMIs?
Yes, You can convert EMIs on your purchase. During the EMIs, you have to pay interest on your expenditure. The interest you have to pay it depends upon the bank’s Scheme.
How can I avoid paying interest on my credit card?
If you can make your credit card payment at the right time then in this condition you don’t need any kind of interest payment on your spending.
Are there any hidden charges on credit cards?
Yes, if you can use over the limit on your credit card then in this condition some banks are taking 2% to 3% over limited charges.
What should I do if I lose my credit card?
If you lost your credit card you have to call the customer care number related to your credit card bank and block your active credit card.
What are the Best credit card in India 2024?
In the category of the Best credit card in India 2024, some credit cards give a lot of discounts for their customer on their spending. These credit cards are mentioned below.
ICICI Amazon Pay Credit Card
SBI SimplyCLICK Credit Card
Citibank Cashback Credit Card
HDFC Platinum Plus Credit Card
Axis Bank Insta Credit Card
Conclusion
A credit card is a good option when you require immediate money and have other money-related work. It has given many offers for their customer for shopping and other spending. But if you cannot make the payment at the right time, you have to pay a penalty and other delay charges for your overall expenditures through credit cards. In this condition, your CBIL Score is going down.
In this blog, we completely cover the topic of “Best credit card in india 2024” and its complete details and offers. If you have any suggestions related to this article, then drop them in the comment box.
