If you’re considering a new credit card, it’s wise to compare features such as reward points, eligibility, renewal fees, and additional perks like lounge access.
Here’s a rundown of some of the best credit cards for 2024 from top banks in India: HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Standard Chartered Bank, and IDBI Bank.
HDFC Bank
HDFC Bank Diners Club Millennia Card
- Joining/Renewal Fee: ₹1,000 + taxes
- Fee Waiver: Spend ₹1 lakh or more in a year
- Reward Points: Redeemable against the statement balance; 1RP = ₹1
- Air Miles Conversion: 1RP = ₹0.30
Expiration: Unredeemed points expire after two years
ICICI Bank
Emeralde Private Metal Credit Card
- Joining Fee: ₹12,500 + GST
- Benefits: Complimentary one-night stay, EazyDiner Prime Membership, 12,500 reward points, two EaseMyTrip Air Travel Vouchers (₹3,000 each)
- Emeralde Credit Card
- Joining Fee: ₹12,000 + GST
Benefits: Unlimited domestic and international lounge access, spa access, BOGO movie/event tickets, complimentary golf rounds
Sapphiro Credit Card
- Joining Fee: ₹6,500 + GST
Benefits: Welcome vouchers (₹9,000), discounted movie tickets, complimentary lounge access
Rubyx Credit Card
- Joining Fee: ₹3,000 + GST
Benefits: Welcome vouchers (₹5,000), movie ticket discounts, insurance coverage, complimentary golf rounds
Coral Credit Card
- Joining Fee/Annual Fee: ₹500
Benefits: Movie ticket discounts, lounge access, fuel surcharge waiver
Manchester United Platinum Credit Card
- Joining Fee: ₹499 + GST
Benefits: Reward points, discounted cinema tickets, lounge access
Manchester United Signature Credit Card
- Joining Fee: ₹2,499 + GST
Benefits: Higher reward points, complimentary merchandise, increased lounge access
Platinum Credit Card
- Joining/Annual Fee: None
Benefits: Reward points, fuel surcharge waiver
Kotak Mahindra Bank
Kotak 811 Credit Card
- Bonus Points: ₹500 for spending ₹5,000 within 45 days
- Reward Points: Two points per ₹100 spent online
- Annual Fee Waiver: On retail spends of ₹50,000
Cashback: ₹750 on spending ₹75,000
Standard Chartered Bank
Rewards Credit Card
- Joining Fee: None
Benefits: Four times rewards on retail spends, quarterly lounge access
EaseMyTrip Credit Card
Benefits: Discounts on hotels and flights, extra rewards on travel-related spends, lounge access
Smart Credit Card
Benefits: Cashback on online and other spends, EMI conversion option, extended interest-free period
Ultimate Credit Card
Benefits: Cashback on duty-free spends, reward points for every spend, complimentary lounge access
IDBI Bank
Royale Credit Card
Rewards: 3 Delight Points per ₹100 spent, welcome gift of Delight Points
Euphoria Credit Card
Rewards: 6 Delight Points per ₹100 on travel spends, 3 Delight Points on other spends
Aspire Platinum Cards
Rewards: 2 Delight Points per ₹150 spent, welcome gift of Delight Points
Imperium Platinum Credit Cards
Rewards: 2 Delight Points per ₹150 spent, high credit limit, welcome bonus
Winnings Credit Card
Rewards: 2 Delight Points per ₹100 spent, additional points on specific transactions
