5 Best Credit Cards for Daily Use in India

I am using a credit card as one way to save money. Explore the 5 best credit cards for daily use and earn reward points and cashback benefits.  24hrLoan search top list of credit cards that will fit all types of customers.

5 Best Credit Cards for Daily Use

1. SBI Prime Credit Card

Joining Fee: ₹2999

Annual Fee: ₹2999

Product Details

• Enjoy 5X reward points on dining, groceries, departmental stores, and movie transactions.
• Get a welcome gift voucher valued at Rs. 3000 from top brands.
• Instant 10 reward points for Rs. 100 transactions on grocery, dining, and departmental stores.
•  Access 2 reward points for Rs. 100 transactions in retail stores.
• 4 free international airport lounge access and 8 free domestic airport lounge access per year.
• Renewal free waived if your annual spending is Rs. 3 lakh or above.

2. ICICI Bank Coral Credit Card

Joining Fee: ₹500

Annual Fee: ₹500

Product Details

• Get 10,000 reward points anniversary year and 2 reward points on Rs. 100 transactions.
• Cardholders can get a 20% discount on BookMyShow if you buy 2 movie tickets per transaction.
• A complimentary airport lounge access program is available.
• Enjoy the annual fee waived if you spend a minimum of Rs. 1.5 lakh.
• Access additional reward points of 1000 on Rs. 1 lakh spending.
• Discount of 1% on fuel charge at Hindustan Petroleum.

3. HDFC Millennia Credit Card

Joining Fee: ₹1000

Annual Fee: ₹1000

Product Details

• Enjoy 5% cashback on online transactions like Amazon, Flipkart, Myntra, etc.
• Get 1% discount on all other spends.
• Renewal fee waived off on spending Rs. 1 lakh in a previous year.
• Welcome gift of 1000 cashback points available for new cardholders.
• This credit card offers a 20% discount on partner restaurants via Dineout.
• Lifetime free if you complete 4 transactions of Rs. 500 in a month for the first 3 months.

4. IDFC First Select Credit Card

Joining Fee: Zero

Annual Fee: Zero

Product Details

• Available welcome benefits of Rs. 500 if the cardholder spends Rs. 15,000 within 90 days and gets 5% cashback on the first EMI transaction.
• Enjoy 6X reward points on your online transactions.
• Get 10X transaction on your birthday or a transaction over Rs. 20,000.
• Access 3X reward points on offline transactions.
• Cardholders get 1 reward point on Rs. 100 spent.
• Interest-free ATM withdrawal is available for 48 days.
• Take 4 free airport lounge access and 4 free railway lounge access per quarter.
• Get personal accident cover of Rs. 5 lakh for cardholders.

5. Flipkart Axis Credit Card

Joining Fee: ₹500

Annual Fee: ₹500

Product Details

• Welcome gift available value of Rs. 600.
• Get a Flipkart gift voucher of Rs. 500 if the cardholder makes a transaction within 30 days.
• Enjoy 50% discount for new Swiggy customers if you use coupon code “AXISFKNEW“.
• Access unlimited 5% cashback on all Flipkart transactions.
• Available 1% unlimited cashback on other platform transactions.
• 4 free airport lounge access per year on Rs. 50,000 spending the previous quarter.
• Get 1% fuel charge waiver for transactions between Rs. 400 to Rs. 4,000.
• Cardholders will get a 20% discount from 4000 partner restaurants.

Conclusion

Your spending habits are crucial for choosing the best credit cards for daily use. To fulfill needs like travel, dining, entertainment, or grocery this card exactly fits you. The IDFC First Select Credit Card and Flipkart Axis Credit Card are excellent for cashback & reward points, while the SBI Prime Credit Card offers lounge access and 5X reward points.

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