Credit cards play a crucial role in managing finances, facilitating purchases, and securing your future. The choice of credit card can significantly influence your financial health, offering rewards, convenience, and a host of credit card benefits. Explore the top credit cards available in India for 2023 and check out their features and benefits across diverse categories before making an informed choice. Additionally, know the different types of credit cards available in India, with a comprehensive view of the options tailored to your specific requirements. Decide on your ideal credit card option after going through this thorough credit card comparison in India, that directly compares the features and benefits of different credit cards.
List of best credit cards in India
Here’s a list of popular credit cards you can avail at Bajaj Finserv.
Bajaj Finserv RBL Bank SuperCard:
The Bajaj Finserv RBL Bank SuperCard is a versatile all-in-one credit card that combines the benefits of four cards in one. It offers robust rewards, accelerated reward points on dining and entertainment, and attractive fuel surcharge waivers.
Bajaj Finserv RBL Bank Binge SuperCard:
The Bajaj Finserv RBL Bank Binge SuperCard caters to foodies and entertainment enthusiasts. It provides higher rewards on dining and entertainment expenses, access to complimentary airport lounges, and fuel surcharge waivers.
Bajaj Finserv RBL Bank Platinum Plus SuperCard:
The Bajaj Finserv RBL Bank Platinum Plus SuperCard is a well-rounded card offering enhanced reward points, airport lounge access, fuel surcharge waivers, and interest-free cash withdrawals.
Bajaj Finserv RBL Bank Platinum Choice SuperCard:
The Bajaj Finserv RBL Bank Platinum Choice SuperCard is designed for those who seek a fine balance between rewards and savings. It provides impressive rewards in various categories, airport lounge access, and fuel surcharge waivers.
Bajaj Finserv RBL Bank World Plus SuperCard:
This card offers a fusion of credit card benefits and an assortment of exclusive privileges. It opens doors to discounts on dining, entertainment, and travel, making it a gateway to a world of rewards and perks.
Bajaj Finserv DBS Bank 5X Plus Rewards SuperCard:
Elevating your spending game, this card ensures you are rewarded for every transaction. With an accelerated rewards system, it is your go-to for maximising rewards while you spend.
Bajaj Finserv DBS Bank 7X Rewards SuperCard:
Taking rewards to the next level, this card amplifies your earning potential with every swipe, transforming your purchases into gains.
Bajaj Finserv DBS Bank 7X Plus Rewards SuperCard:
Setting a gold standard for rewards, this card offers that extra edge in making your spending not just about expenses, but about reaping plentiful rewards too.
Bajaj Finserv DBS Bank 10X Signature SuperCard:
Designed for those who appreciate luxury, this card offers a premium experience, ensuring you enjoy a world of exclusivity and superior benefits.
Bajaj Finserv DBS Bank 10X Plus Signature SuperCard:
Set in a class of its own, this card is the epitome of opulence, crafted for individuals who demand the finest and expect nothing less from their credit cards.
Features and benefits of top credit cards in India
Here’s a quick overview of the benefits offered by the Bajaj Finserv co-branded credit cards:
Credit cards |
Key features and benefits |
Four-in-one card with robust rewards, airport lounge access, interest-free cash withdrawals, movie ticket offers, and more. |
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Earn 12x rewards on shopping, starting from home appliances to gadgets, movie ticket offers, avail easy EMI conversion benefit, and more. |
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Well-rounded card with enhanced rewards, movie ticket offers, enables interest-free cash withdrawals up to 50 days, and more. |
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Rewards on online purchases, interest-free cash withdrawals, and more. |
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Access 8 complimentary domestic airport lounges in a year, earn welcome rewards up to 20,000, avail movie ticket offers, and more. |
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Offers 10x accelerated cash points, discounts on Amazon Prime, Wynk Music, Airterl Xstream etc., access to complimentary airport lounges, and more. |
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Offers 15x accelerated cash points, 20% discount on Amazon Prime, Wynk Music, Airterl Xstream etc., access to complimentary airport lounges, and more. |
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Offers free Bajaj Health membership, 15x accelerated cash points, 20% discount on Amazon Prime, Wynk Music, Airterl Xstream etc., access to complimentary airport lounges, and more. |
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Offers 20x accelerated cash points, 40% discount on Amazon Prime, Wynk Music, Airterl Xstream etc., access to 8 complimentary airport lounges, and more. |
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Offers free Bajaj Health membership, 20x accelerated cash points, 40% discount on Amazon Prime, Wynk Music, Airterl Xstream etc., access to complimentary airport lounges, and more. |
Best credit cards for various categories
Here are some of the best credit cards for different categories.
Bajaj Finserv co-branded credit cards |
Categories |
Bajaj Finserv RBL Bank SuperCard |
Shopping, entertainment, rewards, travel |
Bajaj Finserv RBL Bank Binge SuperCard |
Shopping, entertainment, rewards, travel |
Bajaj Finserv RBL Bank Platinum Plus SuperCard |
Shopping, entertainment, rewards, travel |
Bajaj Finserv RBL Bank Platinum Choice SuperCard |
Shopping, entertainment, rewards, travel |
Bajaj Finserv RBL Bank World Plus SuperCard |
Shopping, entertainment, rewards, travel |
Bajaj Finserv DBS Bank 5X Plus Rewards SuperCard |
Shopping, entertainment, rewards, travel |
Bajaj Finserv DBS Bank 7X Rewards SuperCard |
Shopping, entertainment, rewards, travel |
Bajaj Finserv DBS Bank 7X Plus Rewards SuperCard |
Shopping, entertainment, rewards, travel, health |
Bajaj Finserv DBS Bank 10X Signature SuperCard |
Shopping, entertainment, rewards, travel |
Bajaj Finserv DBS Bank 10X Plus Signature SuperCard |
Shopping, entertainment, rewards, travel, health |
Here are different categories for credit cards explained in detail
Credit cards for salaried individuals:
For individuals with a steady income, the Bajaj Finserv RBL Bank Platinum Plus SuperCard offers a compelling proposition. With accelerated rewards on various spends, including online shopping and entertainment like movie ticket offers, it caters to those who enjoy shopping and attending events. Additionally, it offers complimentary airport lounge access, fuel surcharge waivers, and enables you to make interest-free cash withdrawals, making it a great choice for daily commuters.
Credit cards for students:
There are several good credit cards in India that stand out as an excellent choice for students. These credit cards offer comprehensive rewards, covering a range of expenses, making it versatile for various student needs. Moreover, many credit cards offer the option to convert purchases into easy EMIs can assist students in managing their budget effectively.
Credit cards for shopping and online purchases:
For shopaholics and online buyers, the Bajaj Finserv co-branded credit cards offer exciting rewards and discounts on shopping. With dining benefits and access to airport lounges, it is an excellent choice for those who enjoy the finer things in life while keeping expenses in check.
Credit cards for travel:
Bajaj Finserv co-branded credit cards are tailor-made, especially for frequent travellers. It offers exclusive airport lounge access, accelerated rewards, movie ticket offers, and fuel surcharge waivers. Moreover, the interest-free cash withdrawal benefit ensures you have your funds when needed. These features not only enhance your travel experience but also save you money along the way.
Credit cards for rewards:
These credit cards are your ticket to a world of rewards. With every swipe, earn points that can be redeemed for a variety of rewards, from vouchers to air miles, adding value to every purchase.
Credit cards for cashback:
Cashback credit cards ensure money back with each transaction. You get a percentage of your spending returned, offering a direct financial benefit and savings on your purchases.
Credit cards for fuel:
Designed specifically for fuel expenses, these cards offer cashback, discounts, or reward points specifically tailored for fuel purchases. They help cut down your fuel expenses and offer savings every time you refuel.
Things to consider when choosing the best credit card
When it comes to choosing a credit card, the options seem endless. However, finding the perfect match involves considering a few crucial factors. Here's quick guide to help you choose the best credit card:
Interest rates: Keep an eye on the Annual Percentage Rate (APR). Low rates mean less interest on outstanding balances, a huge plus.
Rewards and perks: Different cards offer varying rewards—be it cashback, travel points, or discounts. Pick one that aligns with your spending habits and interests.
Fees: Look beyond the annual fee. Check for late payment charges, foreign transaction fees, or over-limit penalties.
Credit limit: Your card's spending limit should cater to your needs without tempting you to overspend.
Specialised benefits: Some cards offer specific perks, like fuel discounts or airport lounge access. Assess what suits your lifestyle best.
Credit score impact: Applying for credit cards can affect your credit score. Choose wisely to avoid unnecessary dent on your report.
Customer service: A responsive and reliable customer service team can make a world of difference during issues or queries.
Security features: Prioritise cards with robust security measures like fraud protection and alerts for suspicious activities.
Selecting a credit card tailored to your spending habits and lifestyle can maximise its benefits. So, compare the options, and find the one that not only fits your wallet but also enhances your spending experience.
Conclusion
Choosing the best credit card in India for 2024 involves considering your individual financial needs and lifestyle. Selecting the right card can help you save money, earn valuable rewards, and enjoy a more convenient and secure financial life. So, analyse your spending habits, explore the options available, and embark on a journey of financial empowerment with the credit card that suits you best.
Also check
| Credit card benefits | Credit card offer | Credit card for lounge access |
