Credit cards aapke liye ek aasan aur faydemand tarika hain apne khareedo ke liye bhugtaan karne ka. Inhe istemaal karne se aapko kai laabh milte hain, jaise ki cashback, rewards, discounts, EMI options, lounge access, travel insurance, aur bhi bahut kuch. Lekin har credit card aapke liye sahi nahi hota hai. Aapko apne zaroorat, lifestyle aur spending habits ke hisaab se credit card chunna chahiye.
India mein bahut saare credit cards available hain, jo alag-alag banks aur financial institutions offer karte hain. Har credit card mein apne apne features, benefits aur charges hote hain. Aapko sabse accha credit card dhoondhne mein madad karne ke liye, humne 2023 ke liye India ke kuch sabse acche credit cards ko compare aur review kiya hai. Humne in credit cards ko paanch prakaar mein baanta hai: cashback aur shopping, travel, fuel, premium, aur rewards. Aap in categories mein se apne pasand aur zaroorat ke hisaab se ek ya do credit cards chun sakte hain.
Cashback aur Shopping Credit Cards
Cashback aur shopping credit cards unke liye behtareen hain jo online shopping ka zyada istemaal karte hain aur apne khareedo par paise bachana chahte hain. Ye credit cards aapko har transaction par kuch percentage ka paisa wapas dete hain, jo aapke credit card account mein credit ho jata hai. Ye credit cards aapko alag-alag online platforms par discounts aur offers bhi dete hain, jaise ki Amazon, Flipkart, Myntra, Swiggy, Zomato, etc. 2023 ke liye India mein kuch sabse acche cashback aur shopping credit cards yeh hain:
- HSBC Cashback Credit Card: Ye credit card aapko dining, food delivery aur grocery spends par 10% accelerated cashback deta hai (up to INR 1000 per billing cycle); aur other spends par 1.5% unlimited cashback deta hai (exclusions apply). Is credit card ka annual fee INR 999 hai, jo aapke total annual spend INR 200,000 se zyada hone par reverse ho jata hai. Is credit card se aapko 4 complimentary domestic lounge visits per year (1 visit per quarter) bhi milte hain.
- SimplyCLICK SBI Credit Card: Ye credit card aapko online spends par exclusive partners ke saath 10X reward points deta hai, jaise ki Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, aur UrbanClap; aur all other online spends par 5X reward points deta hai. Aap in reward points ko alag-alag brands ke gift vouchers mein redeem kar sakte hain. Is credit card ka annual fee INR 499 hai, jo aapke annual online spend INR 1,00,000 se zyada hone par reverse ho jata hai. Is credit card se aapko welcome gift mein Amazon gift card worth INR 500 bhi milta hai.
- Amazon Pay ICICI Credit Card: Ye credit card aapko Amazon purchases par 5% cashback deta hai, agar aap Prime users hain. Agar aap non-Prime users hain, toh aapko 3% cashback milta hai. Is credit card se aapko aur bhi kai merchants par cashback milta hai, jaise ki Swiggy, BookMyShow, Cleartrip, etc. Is credit card ka annual fee zero hai aur isse aapko 1% fuel surcharge waiver bhi milta hai.
Travel Credit Cards
Travel credit cards unke liye behtareen hain jo aksar travel karte hain aur travel-related benefits ka anand lena chahte hain. Ye credit cards aapko air miles, lounge access, travel insurance, discounts on flight and hotel bookings, etc. dete hain. Air miles wo points hain jo aap apne travel spends par earn karte hain, jo aap flight tickets mein redeem kar sakte hain. Lounge access wo suvidha hai jo aapko airport lounges mein aaram aur complimentary food and drinks ka maza lene ki anumati deti hai. Travel insurance wo cover hai jo aapko anjaane ghatnaon se bachata hai, jaise ki flight cancellation, baggage loss, medical emergency, etc. 2023 ke liye India mein kuch sabse acche travel credit cards yeh hain:
- HDFC Diners Club Privilege: Ye credit card aapko har INR 150 spent par 8 reward points deta hai, jo aap air miles mein convert kar sakte hain. Is credit card se aapko complimentary annual memberships milte hain Amazon Prime, MMT BLACK, Times Prime aur Zomato Pro ke. Is credit card se aapko 12 complimentary domestic lounge visits per year aur 6 complimentary international lounge visits per year bhi milte hain. Is credit card ka annual fee INR 2,500 hai, jo aapke annual spend INR 3,00,000 se zyada hone par reverse ho jata hai.
- Axis Vistara Signature Credit Card: Ye credit card aapko har INR 200 spent par 4 Club Vistara (CV) points deta hai, jo aap flight tickets mein redeem kar sakte hain. Is credit card se aapko complimentary Premium Economy Ticket as welcome benefit aur Club Vistara Silver Membership milta hai. Is credit card se aapko 8 complimentary domestic lounge visits per year aur 1% fuel surcharge waiver bhi milta hai. Is credit card ka annual fee INR 3,000 hai.
- Standard Chartered EaseMyTrip Credit Card: Ye credit card aapko hotel booking par flat 20% instant discount deta hai aur flight bookings par flat 10% instant discount deta hai, agar aap EaseMyTrip website/app se book karte hain. Is credit card se aapko all retail spends par (excluding government, insurance and fuel spends) har INR 150 par 4 reward points milte hain. Is credit card ka joining fee INR 350 hai, jo aapke first transaction par reverse ho jata hai. Is credit card ka annual fee zero hai.
Fuel Credit Cards
Fuel credit cards unke liye behtareen hain jo fuel par zyada kharch karte hain aur apne fuel expenses par paise bachana chahte hain. Ye credit cards aapko fuel surcharge waiver, reward points, cashback, etc. dete hain. Fuel surcharge waiver wo benefit hai jo aapko apne fuel transactions par extra charges se bachata hai. Reward points aur cashback wo benefits hain jo aapko apne fuel spends par value back dete hain, jo aap vouchers, gift cards, etc. mein redeem kar sakte hain. 2023 ke liye India mein kuch sabse acche fuel credit cards yeh hain:
- BPCL SBI Card Octane: Ye credit card aapko apne fuel expenses par 7.25% value back deta hai, jab aap BPCL petrol pumps se fuel bharwate hain. Is credit card se aapko BPCL spends, movies, groceries, dining aur departmental stores par 25X reward points milte hain. Is credit card se aapko 4 complimentary domestic lounge visits per year (1 visit per quarter) aur 1% fuel surcharge waiver bhi milta hai.
- IndianOil HDFC Bank Credit Card: Ye credit card aapko IndianOil outlets se fuel bharwane par 5% fuel points deta hai, jo aap free fuel mein redeem kar sakte hain. Is credit card se aapko bill payments, groceries aur utilities par 5% fuel points milte hain. Is credit card se aapko 1% fuel surcharge waiver aur zero liability on lost card bhi milta hai.
- Citibank IndianOil Credit Card: Ye credit card aapko authorized IndianOil outlets se fuel bharwane par 4 Turbo Points deta hai, jo aap free fuel mein redeem kar sakte hain. Is credit card se aapko grocery aur supermarket spends par 2 Turbo Points aur other spends par 1 Turbo Point milta hai. Is credit card se aapko 1% fuel surcharge waiver aur up to 71 litres of free fuel per year bhi milta hai.
Premium Credit Cards
Premium credit cards unke liye behtareen hain jo high income wale hain aur premium benefits aur privileges ka anand lena chahte hain. Ye credit cards aapko high reward rate, lounge access
