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Top Credit Cards for The Festival Season 2022

Credit cards are a great way to make purchases when you are going through a financial crunch. Read on to learn about some of the best credit cards of 2022.

KJ Staff
Credit card provides lots of benefits
Credit card provides lots of benefits

When we refer to a credit card, we are referring to a financial instrument that is issued either by an NBFC or a bank. Credit cards usually come with a predefined credit limit and are very useful if you are pressed for funds and need to make urgent payments. Cards often offer the option of repaying the due amount either in full or through Equated Monthly Instalments (EMIs). When it comes to shopping or making online purchases during festivals, you can make use of a credit card to easily make these purchases.

Top Credit Cards for Festival Season 2022

Elucidated below is a list of the top 10 credit cards available in India, at present:

Credit Card

Annual Fee

Suitable For

Most Striking Feature

Axis Bank Ace Credit Card

₹499

Cashback

Cashback of 5% on bill payment, as well as mobile and DTH recharge

SBI Card Elite

₹4,999

Shopping, movies, and travel

Welcome e-gift voucher, complimentary movie tickets, and club Vistara/Trident privilege membership

HDFC Regalia Credit Card

₹2,500

Shopping and travel

Complimentary lounge access and 4 reward points for every ₹150 spent on retail purchases

Flipkart Axis Bank Credit Card

₹500

Online shopping

Welcome benefit of a Flipkart Voucher and 5% cashback on both Myntra and Flipkart

Amazon Pay ICICI Credit Card

Nil

Online shopping and cashback

As much as 5% cashback on all Amazon purchases

Citi PremierMiles Credit Card

₹3,000

Travel

Receive 10X reward points on all airline related transactions

HDFC Millenia Credit Card

₹1,000

Cashback

As much as 5% cashback on partner banks

Standard Chartered DigiSmart Credit Card

₹49 per month

Online shopping

As much as 20% off on all partner banks

BPCL SBI Card Octane Credit Card

₹1,499

Fuel

As much as 7.25% value back on all fuel expenditure at BPCL petrol pumps

HDFC Bank Diners Club Privilege Credit Card

₹2,500

Lifestyle and travel

Complimentary membership of Amazon Prime, MMT Black, Dineout passport and so on. 

Best Credit Cards for Online Shopping

When a festival is around the corner, your expenses tend to increase owing to the purchases you make for your family and loved ones. Some of the best Credit Card that offer cash back are mentioned below:

Axis Bank Ace Credit Card: This Axis bank credit card is ideal for customers who are looking for the dual benefit of a nominal annual fee coupled with a good rate of cashback. When you opt for this card, you can get benefits like access to airport lounges, discounts on dining, 5% cashback on all bill payments and online purchases. Additionally, this card has no upper limit on the total cashback you can earn.

Flipkart Axis Bank Credit Card: This credit card is an entry-level one that comes with exciting cashback rewards on all online shopping transactions. It offers up to 5% cash back on purchases from apps like Myntra and Flipkart and up to 4% cash back on purchases from other partner stores. You can also get a 1% fuel surcharge waiver using this credit card and 4 complimentary visits to domestic lounges in airports across the country annually.

Amazon Pay ICICI Credit Card: If you routinely use Amazon for all your purchases, then this credit card is the best card for you. Amazon Prime members can get as much as 5% cashback on all their purchases made from Amazon, and non-Prime members can get as much as 3% cash back on the same. The feature of this card that stands-out is that you do not have to pay any annual membership charges while receiving a good rate of cashback on online purchases made on Amazon.

HDFC Millenia Credit Card: If you are specifically looking for a HDFC card that offers a high rate of cashback, this is the card for you. By using this card, you can get up to 5% cashback on apps such as Flipkart, Myntra, Amazon and TataCliq, and 1% cash back on all other expenditures. Additionally, with this card you gain complimentary access to domestic lounges at airports across the country 8 times a year.

Standard Chartered DigiSmart Credit Card: This credit card offers a wide range of benefits on online shopping, dining, grocery shopping, and even travel. You can get up to 20% off on Myntra, 10% off on Grofers and Zomato, and up to 25% on Yatra for your travel bookings. Rather than offering a cashback, this card offers direct discounts on websites you shop from.

Conclusion

Credit Cards are a great financial instrument to make purchases, especially during the festive season during which you can get a range of attractive discounts and offers. However, before using it for your purchases, make sure to read the terms and conditions carefully so as to avoid incurring high rates of interest on your outstanding dues.

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