Credit cards are among the most preferred options when you want to purchase regular or expensive products and services while saving money and enjoying some perks. With the best credit card deals, such as cashback offers and discounts, you can enjoy maximum rewards.
You can leverage these benefits even more by choosing the right card and understanding the various perks it offers. Here’s a summary of credit cards offered by banks and financial institutions and the best credit card deals available on them to help you save more.
Top Credit Card Deals
Check out how you can earn credit card points and get rewarded for transactions across different cards provided by banks and financial institutions:
OneCard Credit Card
- You can earn up to 5 times reward points on the top 2 spending categories each month
- Variety of offers at various restaurants and additional cashback and rewards on online food ordering from Zomato
- Valueback and discount offers on top brands such as Plixlife, mCaffeine, Bacca Bucci, Zudio, etc
- 2% valueback on grocery shopping using OneEssential
- 2% valueback on medicine with OneCard MedCare
IDFC FIRST Power+ Credit Card
- 6.5% savings on fuel costs of up to ₹18,500 annually, which is enough to buy more than 175 litres of fuel as per the recent prices
- 5% savings applicable on grocery shopping, FASTAG recharge, utility expenses, etc.
- Roadside assistance worth ₹1,399, along with free access to the domestic airport lounge once a quarter
- Withdraw interest-free cash for up to 48 days or until the due date arrives
- Welcome benefits worth ₹2,500
HDFC Infinia Credit Card Metal Edition
- For primary and add-on members, unlimited international airport lounge access
- For every ₹150 spent, you gain 5 reward points
- Up to 20% off and Club Marriott membership for the first year across Asia-pacific regions
- Book a 3-day stay and pay for two; additional 1+1 buffets at specific ITC hotels
- Unlimited golf games across specific golf courses in India and across the globe
- 2% markup fee on forex
- Extra 15% off on dining bills at more than 35,000 restaurants
- Renewal benefits of 12,500 Reward Points
- 1% fuel surcharge waiver
ICICI Bank Amazon Pay ICICI Credit Card
- You can earn rewards by purchasing more than 10 crore products from Amazon
- Rewards on purchasing from more than 100 Amazon Pay partner merchants
- 1 reward point = ₹1, automatically added to Amazon Pay balance
- As a prime member, get 5% cashback on spending with Amazon India
- 3% cashback on spending with Amazon India, not as a Prime member
- Additional 2% cashback on payments to 100+ Amazon partner merchants with this card
- 1% cashback on dining, entertainment, insurance, travel, shopping, etc.
- 1% fuel surcharge waiver on every fuel refill
Axis Bank Neo Credit Card
- 40% off on food delivery from Zomato
- Free delivery for restaurants not eligible for 40% off
- 5% off on utility bill payments from PayTM on bill payments and recharges
- ₹150 off on a minimum monthly transaction of ₹299
- 10% off on Blinkit up to ₹250 per month
- ₹150 off on Myntra
- Monthly 10% off on booking movie tickets with BookMyShow
- 15% discount on dining bills at Axis partner restaurants
- Edge reward points; get 1 reward point for every ₹200 spent
- Within 30 days of card issuance, get 100% cash back on the first utility bill of up to ₹300
How to Choose the Right Card?
Apart from the mentioned cards, there are numerous other credit card options available in the market that provide discounts and cashback. However, it is important to check out all the applicable and available benefits offered by the lenders.
To ensure that you get the right card, consider the following points.
- Identify Your Requirements
Many credit cards allow offers and discounts on various spending categories. These can include entertainment, dining, travel, shopping, etc. Based on your specific needs and your top spending categories, you can opt for the best credit card type.
- Compare Options
After analysing your requirements, you can find many credit card companies offering cards with suitable options. It’s best to compare all features, spcificiations and exclusions of these shortlisted cards and select the best one that offers maximum benefits after research.
- Check Fees and Charges Applicable
In addition to comparing offers and benefits, be sure to check the applicable charges. Many credit cards come with an additional processing fee, joining fees, renewal fees, etc. Keeping long-term usage in mind, it’s best to choose the most affordable card option.
- Interest Rates
Several cards come with higher interest rates that are applicable after the interest-free period ends. Initially, no interest charges apply, but they may be incurred after a few months or a year based on the Annual Percentage Rate (APR). Check all this to ensure you are getting a card that charges the lowest interest and fees to protect your finances.
Following these steps, you have a better chance of getting a credit card that ensures the best deals over the years. One more thing you can do is to check the existing offers and partners to make an informed decision.
With the One Credit Card, you can get valuable cashback and discounts over a wide range of categories. By choosing this card, you can also earn up to 5x reward points on your top two monthly spending categories. What’s more, you can look for nearby offers using the GPS feature on the OneCard App.
Some other benefits include 1% fuel surcharge waiver, no-cost EMIs, a virtual credit card you can use for online transactions and up to 5 add-on credit cards. Visit the website or download the app to apply now and get your hands on this lifetime-free card.
