Best Credit Cards in India 2024

Posted on Thursday, September 19th, 2024 | By IndusInd Bank

Choosing the right credit card can be overwhelming. A vast number of credit card options are available in India, each with its own features and benefits tailored to different needs. From travel and dining to shopping and fuel purchases, credit cards have evolved to provide a host of benefits in different categories.

Hence, it is essential to understand your spending habits and lifestyle to select the best credit cardsthat best suit you. 

Here’s a guide to help you choose the best credit cards in India in 2024 and the top credit card options from IndusInd Bank. 

How to Choose the Best Credit Card in India?

When selecting the best credit card in India, consider the following factors:

1. Spending Habits

Identify your primary spending categories, such as travel, dining, shopping, or fuel. Choose a card that offers rewards or cashback in these areas.

2. Fees

Check the joining and annual fees of the cards you have in mind. Then, evaluate whether the card’s benefits justify its fees. You can also opt for lifetime-free credit cards where you do not have to pay joining or annual fees. 

3. Reward Points and Offers

Look for cards that provide high reward points or offers for the categories where you spend the most. 

4. Interest Rates

Consider the interest rate on unpaid balances if you tend to carry forward balances. 

5. Additional Perks

The best credit cardsoffer a host of other benefits, along with reward points and offers. This can include airport lounge access, concierge services, complimentary movie tickets, lifestyle experiences, and more. 

To ensure a seamless experience with your credit card, it is crucial to choose the right credit card provider. When looking for the best credit card in India in 2024, consider some contenders from IndusInd Bank. 

Top Credit Card Offerings from IndusInd Bank

Here’s a list of some of the top credit cards offered by IndusInd Bank:

1. IndusInd Bank Platinum RuPay Credit Card

This RuPay Credit Card merges the benefits of UPI (United Payments Interface) and rewards programme into one. Its key features and benefits include: 

• Credit Card enabled on UPI.
• 2 reward points on every ₹100 transaction done through UPI and 1 reward point on non-UPI transactions. 
• 1% fuel surcharge waiver, and more. 

2. IndusInd Bank EazyDiner Credit Card

If you are a food enthusiast who dines out regularly, then this is the card for you. Its key features and benefits include:    

• EazyDiner Prime membership for 12 months, amounting to ₹2,495.
• Guaranteed 25% up to 50% off at over 2000+ restaurants.
• Opportunity to earn 3X EazyPoints, which you can redeem for free luxury stays and meals.
• 2000 welcome bonus EazyPoints.
• EazyDiner Membership and 2000 welcome bonus points on payment of the Card’s renewal fee. 

3. IndusInd Bank Legend Credit Card

Designed for those who demand the best in everything, the key features and benefits of this legend credit card include:

• 1 reward point for every ₹100 spent on weekdays and 2 reward points on weekends.
• Bonus rewards on spending ₹6 lakhs or more in a year.
• 1.8% discounted foreign currency markup on foreign currency transactions.
• Concierge services, airport lounge access, and more.  

4. IndusInd Bank Platinum Aura Edge Visa/Master Credit Card

This contactless credit card offers a host of benefits, including: 

• A variety of reward plans which you can choose as per your lifestyle.
• Opportunity to earn up to 8x reward points on select merchant categories.
• 1% fuel surcharge waiver.
• Travel insurance coverage, and more. 

5. IndusInd Bank Avios Visa Infinite Credit Card

Designed for frequent flyers and those who seek an affluent lifestyle, this ultra-premium credit card offers: 

• 5X Avios points on every ₹200 spent at preferred international destinations.
• 1.5% discounted forex markup.
• Milestone benefits of up to 50000 bonus Avios in a year.
• Host of renewal benefits with the preferred airline loyalty programme.

6. IndusInd Bank Pinnacle Credit Card

If you are looking to earn rewards at an accelerated rate, the Pinnacle Credit Card is the right option with benefits, such as:

• 2.5 reward points for every ₹100 of transactions.
• Comprehensive golf games and lessons. 
• Fuel Surcharge Waiver.
• Complimentary movie tickets of up to ₹7,200. 

7. IndusInd Bank Nexxt Credit Card

This is India’s first interactive credit card, with benefits, such as: 

• Flexibility to select payments through EMI, reward points, or credit.
• 1 reward point for every ₹150 transacted through the card. 
• 1% fuel surcharge waiver.
• Complimentary movie tickets every month, and more. 

Also Read: How To Get a Lifetime Free Credit Card With No Annual Fee In India

Conclusion

IndusInd Bank offers a diverse range of Credit Cards tailored to suit various lifestyle needs. Whether you are a frequent traveller, a dining enthusiast, or someone who prefers online shopping, there is a card that fits your profile. 

If you are ready to explore these options, apply now for a credit card with IndusInd Bank!

Disclaimer:

The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information.