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What are the top credit cards in 2024?
When it comes to your personal finances, the right credit card can be a game-changer. As we enter the promising year of 2024, navigating through the plethora of credit card options can be overwhelming. We've curated a list of the top credit cards to look forward to in 2024.
Let's explore these credit cards' features, benefits, and unique offerings that promise convenience and exclusive privileges. From luxurious travel rewards to cashback on everyday spending, these credit cards are designed to cater to diverse lifestyles.
Annual Fee - ₹ 2500
Joining Fee - ₹ 2500
HDFC Regalia Credit Card is a premium card offered by HDFC Bank. It is designed especially for people who prefer a nominal fee for premium benefits.
Benefits:
- As a welcome gift, you get 2,500 reward points with this card.
- Additionally, you get 12 complimentary lounge access (both international and domestic)
- You get a 1% fuel surcharge waiver.
- On spends of every Rs. 150, you get 4 reward points
- Insurance cover up to Rs. 1 Crore
- Convert big spends into EMIs
Apply for this card here: https://indialends.com/hdfc-bank-credit-card
Annual Fee - NIL
Joining Fee - NIL
With no annual or joining fee, the IDFC First Bank Millenia Credit Card is one of India's best entry-level cards. It is designed especially for today’s generation, keeping their needs in mind.
Benefits:
- Welcome voucher of Rs. 500
- 4 complimentary railway lounge access
- Accident insurance covers up to Rs. 2 Lakhs
- 1% fuel surcharge waiver
- EMI benefit available
- Up to 20% off on dining at partner restaurants
Apply for this card here: https://indialends.com/idfc-bank-credit-card
Annual Fee - ₹ 250
Joining Fee - ₹ 250
The Axis Bank Neo Credit Card caters to the younger generation with its unique blend of rewarding perks and lifestyle benefits.
Benefits:
- Get 100% cashback up to Rs. 300 on your first utility bill payment.
- Get gift cards up to Rs. 700 as a welcome benefit
- Enjoy 15% off on dining at partner restaurants
- The ability to convert your purchases into EMI is available
- Get 10% off on Myntra every time you shop from it
Apply for this card here: https://indialends.com/amex-credit-card
Annual Fee - ₹ 999
Joining Fee - ₹ 999
This card is one of the best entry-level cards and has benefits across multiple categories.
Benefits:
- Get 5,000 reward points on payment of the joining fee
- Enjoy 5% cashback on shopping at supermarkets
- Earn 3 reward points per Rs. 150 for all other expenses.
Apply for this card here: https://indialends.com/standard-chartered-credit-card
Annual Fee - ₹ 3500
Joining Fee - ₹ 5000
For those who want a luxurious travel experience, the American Express Platinum Travel Credit Card is the ultimate companion. This card is for you if you are a frequent traveller.
Benefits:
- Get 10000 membership points as a welcome voucher.
- Get an E-gift card worth Rs. 10000 from Taj, Vivanta and SeleQtions hotels.
- You will get 8 complimentary lounge access with this card. (Applicable on domestic airports)
- EMI facility available
- Get up to 20% off on partner restaurants.
Apply for this card here: https://indialends.com/amex-credit-card
Annual Fee - ₹ 4999
Joining Fee - ₹ 4999
SBI Card ELITE is not just a credit card; it's a status symbol. It is a premium card offered by SBI Bank. It has almost all the features you would want in a card, making it a versatile card.
Benefits:
- As a welcome gift, you get gift vouchers worth Rs. 5000
- You get free movie tickets worth Rs. 6000 every year
- 1% fuel surcharge waiver
- EMI facility is available
- Earn 5x reward points on departmental stores, dining and grocery stores. (4 reward points = Re. 1)
Apply for this card here: https://indialends.com/sbi-credit-card
Annual Fee - ₹ 0
Joining Fee - ₹ 0
Benefits:
- Get discount vouchers from multiple brands like Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola and more.
- Get travel cover insurance worth up to Rs. 100000
- Enjoy fuel surcharge waiver
- 4x reward points on selected merchants.
You can apply for these credit cards on IndiaLends website and app in a few simple steps:
Click Apply Now to start the application process.
1. Enter basic details like occupation, monthly income, city, and contact number.
2. Find your preferred credit card from the list and check your eligibility for the same.
3. If eligible, you can complete the online application.
Click here to read more articles à What happens when you apply for multiple cards/loans simultaneously?
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FAQ’s
Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.
The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.
Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.
Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.
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