Top 5 Credit Card Deals in India

Top 5 Credit Card Deals in India for Jan 2024

Pick the best deals and discounts whenever go shopping, travel, fuel, dining in 2024. This will happen when you choose the best credit card that handles deals and discounts on your spending.

Redeem bonus points with our top 5 credit card deals and save additional costs on your credit card bill. Also, welcome benefits give you extra relief.  

Top 5 Credit Card Deals in India

Credit CardJoining FeeBest For
Myntra Kotak Credit CardRs. 5005% cashback points on bill-related payments and 2% cash back on other spend
SBI Simply Click Credit CardRs. 499Applicable 10X rewards on partner stores and 5X cashback points on online spend
ICICI Bank Platinum Chip Credit Card  Rs. 05% cashback points on bill-related payments and 2% cashback on another spend
HDFC Millennia Credit CardRs. 1,000Truly get 5% cashback on selected online stores and 1% cashback every time
Axis Bank Ace Credit Card  Rs. 4995% cashback points on bill-related payments and 2% cashback on other spend

1. Myntra Kotak Credit Card

Myntra Kotak Credit Card

Joining Charges: Rs. 500

Annual Charges: Rs. 500

Welcome Benefits: Get a Myntra shopping voucher of Rs. 500 on fulfilling Rs. 500 of the above transaction

Check Out Benefits & Features

  • Available discount of 7.5% on Myntra platform
  • Get unlimited cashback of 1.25% on all the categories
  • Free domestic lounge access per quarter
  • Unbelievable 1% fuel charge wavier available
  • Unlock 2 free PVR tickets on Rs. 50,000 per quarter spend
  • Take 5% cashback benefit of Swiggy

Eligibility Criteria

  • Age must cover 18 to 65 years
  • Income must be stable
  • Residence of India

2. SBI Simply Click Credit Card

SBI Simply Click Credit Card

Joining Charges: Rs. 499

Annual Charges: Rs. 499

Welcome Benefits:  Unlock an Amazon gift voucher of Rs. 500 instantly

Check Out Benefits & Features

  • Remarkable rewards of 10X points on partner brand categories
  • Redeem 5X rewards on online shopping
  • If you cover annual spend of Rs. 1 lakh, unlock Rs. 2,000 ClearTrip voucher
  • The annual fee will be waived if you spent Rs. 1 lakh the previous year
  • Get a 1% fuel charge waived with this credit card

Eligibility Criteria

  • The age required is 21 to 70 years
  • Applicant profession must be salaried or self-employed

3. ICICI Bank Platinum Chip Credit Card

ICICI Bank Platinum Chip Credit Card

Joining Charges: Zero

Annual Charges: Zero

Welcome Benefits:  NIL

Check Out Benefits & Features

  • The minimum Rs. 100 spent gives you 2 reward points
  • Get 1 reward point when you spend on insurance and utility
  • Unlock 1% fuel charge waived on HPCL petro pumps
  • Take a discount of up to 15% on 2500+ restaurants in India only

 Eligibility Criteria

  • The required age must be 21 years
  • Income source must be required
  • Credit score should be good enough

4.  HDFC Millennia Credit Card

HDFC Millennia Credit Card

Joining Charges: Rs. 1,000

Annual Charges: Rs. 1,000

Welcome Benefits:  Cashback points of 1,000 as a welcome gift

Check Out Benefits & Features

  • If you cross the limit of Rs. 1 lakh, a gift voucher of Rs. 1,000 is waiting for you
  • Unlock 5% cash back at partner stores like Flipkart and Amazon
  • Available 1% cash back on other categories
  • Unbelievable discount of up to 20% on selected restaurant
  • Get 4 free domestic lounge access yearly
  • The annual charge will be waived if you spend Rs. 1,00,000

Also Read: 5 Best Cashback Credit Cards No Annual Fee

Eligibility Criteria

  • Applicant’s age should be 21 to 40 years
  • A salaried person’s monthly income of Rs. 35,000 per month required
  • Self-employed ITR income must be Rs. 6 lakh required

5. Axis Bank Ace Credit Card

Axis Bank Ace Credit Card

Joining Charges: Rs. 499

Annual Charges: Rs. 499

Welcome Benefits:  NIL

Check Out Benefits & Features

  • Available 5% cashback on mobile recharge & bill payment via Gpay
  • Earn 4% cashback on Swiggy, Zomato, Ola
  • 2% cash back on other partner brand categories
  • Free 4 domestic lounge access per year
  • Get up to 20% discount on dining at 4,000 plus restaurants under the Axis Bank Dining Delights program.  
  • Fuel charge waiver of 1% applicable

Eligibility Criteria

  • The age criteria is 18 to 70 years
  • The credit score must be good enough
  • The income source should be stable.

Other Deals and Offers on Credit Card

You may unlock different offers on credit cards such as welcome gifts, rewards points, etc. Also, get other deals on credit cards at the time of online shopping.

Credit Card Offer: When you go to an online shopping platform, they provide an additional 10% discount on purchases. These deals are available only for credit card users.

No Cost EMI: Credit card offers no cost EMI for 6 to 9 months. This EMI is available without paying extra interest. Get no-cost EMI deals on online stores.

Easy EMI Option: An instant EMI option is also available. Convert purchase amount to EMI with 12 to 36 months tenure. However additional interest will be applicable with the total purchase amount.

FAQs on Top 5 Credit Card Deals in India

What are the popular credit card deals?

The Popular credit card deals are welcome gifts with reward points. Additional discounts are available on selected categories. Also, this will depend on the credit card you are using.

Can I use the no-cost EMI features of credit cards?

No cost EMI facility is available on the credit card. This feature applies to selected credit cards. A popular online platform like Flipkart, Amazon provides no-cost EMI facility.

What is the age requirement to get a credit card?

The minimum age requirement is 21 years to apply for a credit card.

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