Although credit cards have become an important purchasing tool, even today it remains a poorly misunderstood concept by the majority of Indian consumers. And this is a situation when the transactions done via credit cards are worth twice the amount as done using debit cards. Hence, it becomes imperative to understand which credit card suits your expenditure style the best.

With plenty of options to choose from, we as consumers differ from each other in our buying behavior. You could fit into a category or two such as – a traveller, a shopaholic, someone who spends on dining, fuel, etc. Remember that no single credit card is better than the other in all the categories. Therefore, make a wise decision to pick the one that matches your spending pattern and credit situation.

Kindly find below a snapshot of best of offers on credit cards in the market.

If you are someone who swipes your card usually for shopping, check out the following list –

1) Citibank Rewards credit card

This card comes with 2500 points on activation and an annual fee of Rs.1000
Offers –

  • Unlimited 10X Reward Points on all your online spends.
  • 10 Reward Points for every Rs.125 spent at apparel and department stores and select partners.
  • Reward Points at rate of 1 point for every Rs.125 on all other purchases.

2) HDFC MoneyBack credit card

With an annual fee of Rs.500
Offers –

  • 3X Reward Points on all your online spends and shopping.
  • 2 Reward Points for every Rs.150 spent.
  • Redeem Reward Points as cash-back.

3) SBI SIMPLYCLICK credit card

With an annual fee of Rs.499
Offers –

  • Welcome E-gift Voucher of Rs.500 from Amazon.in.
  • 10X Reward Points by shopping online with this card on exclusive partners like Amazon, BookMyShow, FoodPanda and more.
  • 5X Reward Points on all other online spends.
  • E-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh and 2 Lakh.

4) Axis Bank Neo credit card

With annual fee of Rs.250 from the second year onwards
Offers –

  • 10% off every time you shop at Myntra on a minimum purchase value of Rs.500.
  • Welcome Gifts – Movie Voucher worth Rs.200 and Shopping Voucher from Myntra.com worth Rs.500.
  • 10% cashback on mobile recharge through Freecharge mobile app.
  • 10% off every time you book a movie ticket through BookMyShow.
  • 2 points for every Rs.200.

5) ICICI Bank Coral American Express credit card

With annual fee of Rs.500 (exclusive of taxes) from the second year onwards
Offers –

  • 50% more Reward Points on your online spends.
  • 2X cash rewards on dining, groceries and at supermarkets.
  • 2 complimentary movies every month under the Buy 1 Get 1 offer through www.bookmyshow.com.

6) CitiBank First Citizen credit card

Offers –

  • Rs.500 www.shoppersstop.com voucher.
  • Rs.500 First Use Benefit Vouchers.
  • Rs.350 worth of Citibank Reward points as Early Shopping Reward.
  • Up to 7* Reward Points for every Rs.100 spent at Shoppers Stop.

Then here are offers for frequent flyers and diners –

1) HDFC JetPrivilege Diners credit card
With an annual fee of Rs.10000 for the first year and Rs.5000 as renewal fees.
Offers –

  • Welcome Benefit of up to 30,000 Bonus JPMiles and 15 JetPrivilege Tier points within first 90 days.
  • 8 JP Miles for every Rs. 150 you spend.
  • 24 JPMiles on every Rs. 150 spent on every flight ticket booked on jetairways.com.
  • 3X JPMiles on every flight booked via jetairways.com.
  • 10,000 JP Miles and 5 JetPrivilege Tier Points upon the first swipe on your card within 90 days of card renewal date.
  • 1 JP Tier Point on every Rs.1.5 lakh spends.

          Other Travel Features –

  • Complimentary Base fare waived ticket & Discount voucher for return flight ticket on jetairways.comupon realization of membership fee.
  • 5% discount off the base fare on revenue tickets booked on jetairways.com.
  • Unlimited complimentary access to 600+ Airport Lounges globally.
  • 24/7 Concierge services for all your bookings.

2) SBI Air India Visa Signature credit card

With annual fee of Rs.4999
Offers –

  • 1 Air India Mile = 1 Reward Point.
  • 20,000 Reward Points as Welcome Bonus.
  • 20 reward points for every Rs. 100 spent on Air India tickets.
    Other Travel Features –
  • Complimentary membership of the Air India Frequent Flyer program –Flying Returns.
  • Access to over 600 International Airport Luxury Lounges with complimentary Priority Pass Program.
  • Complimentary Visa Lounge Access Program in India at major domestic airports.

3) Standard Chartered Emirates Platinum Mastercard credit card

With annual fee of Rs.3999 for variant 1 and Rs.13,999 for variant 2
Offers –

  • Welcome Bonus of 27,500 Skyward Miles.
  • 4 Emirates Skywards Miles for every Rs.150 spent.
  • Fly to Dubai if you earn 27,500 Skyward Miles.
  • Fly to Rome, Paris or London, among others if you earn 55,000 Miles.
  • Fly to the USA if you earn 85,000 Miles.
    Other Travel Features –
  • Complimentary membership to over 850 lounges globally with a usage fee of $27 per member.
  • Travel Insurance up to Rs.10 Million

4) Citibank Premier Miles credit card

With an annual fee of Rs.3000
Offers –

  • 10,000 Miles with your first spend of Rs.1,000 or more.
  • 3,000 Miles on Card renewal.
  • Earn 10 Miles per Rs.100 when you book flight tickets, hotel stays, and car rentals at the dedicated PremierMiles website.
  • Earn 10 Miles per Rs.100 spent on all airline transactions.
  • Earn 10 Miles per Rs.100 spent with our online partner merchants – MakeMyTrip.com and Flipkart.com.
  • Earn 4 Miles for every Rs.100 spent on all other transactions.
  • Convert every 2 Miles for 1 Frequent Flyer Air Mile.
    Other Travel Features –
  • Complimentary access to participating airport lounges in India.
  • Air Accident Insurance Cover of up to Rs. 1 Crore

5) American Express Jet Airways Platinum credit card

With annual fee of Rs.5000 for the first year and Rs.10000 as renewal fees
Offers –

  • 8 JPMiles for every Rs.150 spent.
  • Welcome Gift of 10,000 Bonus JPMiles.
  • 5,000 Bonus JPMiles + get a complimentary Jet Airways Base Fare Waived Domestic Ticket on every renewal.
  • 6 JPMiles for every Rs.150 spent for booking revenue tickets on www.jetairways.com.
  • 5% discount on Base Fare for revenue ticket bookings made on jetairways.com.
    Other Travel Features –
  • Complimentary membership to Priority Pass.
  • One Way Complimentary Jet Airway Domestic Ticket on your first charge.
  • Complimentary membership to Oberoi Hotels.
  • Complimentary Trident Privilege Gold Tier Membership.
  • Complimentary iPrefer Gold Tier membership.
  • Complimentary night’s stay at select properties of Oberoi Hotels & Resorts.
  • Complimentary visits to 14 Domestic Airport Lounges at 12 cities in India.

6) American Express Platinum Reserve credit card

With annual fee of Rs.5000 for the first year and Rs.10000 as renewal fees
Offers –

  • Welcome Gift of 11,000 Bonus Membership Rewards Points.
  • 1 Membership Rewards Point for every Rs.50 spent on the Card.
    Other Travel Features –
  • Additional cashback of up to Rs.10,000 at MakeMyTrip.com.
  • Privileges at Luxury Hotel chains like Taj Hotels, Resorts and Palaces, Trident Hotels and more.
  • Access to American Express proprietary lounges in Delhi and Mumbai.
  • Complimentary membership to Priority Pass.
  • Complimentary access to leading golf courses in India.

7) ICICI Jet Airways Sapphiro credit card

With annual fee of Rs.5000 for the first year and Rs.5000 as renewal fees
Offers –

  • Welcome Bonus of 10,000 JPMiles.
  • 5,000 JPMiles on renewal each year along.
  • 7 JP Miles for each Rs. 100 spend.
    Other Travel Features –
  • Complimentary Airport Lounge Access to over 600 VIP Lounges.
  • Complimentary one-way base fare waived domestic ticket.
  • 5% e-booking discount at jetairways.com.
  • Buy 1 ticket and get the other ticket free any day of the week, through bookmyshow.com.

8) Citibank Prestige Visa Infinite credit card

With an annual fee of Rs.20000
Offers –

  • 10,000 bonus air miles and vouchers of worth Rs.10,000 from Taj Group or ITC hotels every year.
  • 1 Citi Prestige reward point = 4 Frequent Flyer Air miles.
    Other Travel Features –
  • Unlimited complimentary Priority Pass lounge access at over 800 airports globally.
  • Meet & Assist services at over 30 international airports within Asia Pacific region.
  • Taj Epicure Plus Plan and InnerCircle Gold membership.
  • Air Accident Insurance of Rs.5 Crores.
  • Overseas Medical Insurance of USD$ 50,000.
  • One-night complimentary stay at excellent properties across the world (minimum booking of 4 nights)