Whether you’re looking to earn cashback on everyday purchases, accumulate travel points for your next adventure, or enjoy exclusive perks that enhance your lifestyle, choosing the best credit card tailored to your financial goals is crucial.

Discover how these cards can transform your spending into meaningful rewards and propel you towards financial success.

1) SBI ELITE Credit Card

The SBI Elite credit card is a premium all-rounder that offers benefits across multiple categories such as travel, movies, dining, rewards, and more. Users can earn significant rewards on their everyday expenses, coupled with substantial milestone benefits, making it an ideal choice for high-spenders.

• Users get to enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India

• 2 complimentary Domestic Airport Lounge visits every quarter in India.

• Free Movie Tickets worth Rs. 6,000 every year.

• Complimentary membership to the Priority Pass Program valued at $99, including 6 complimentary Airport Lounge visits per calendar year.

• Up to 50,000 Bonus Reward Points annually, equivalent to Rs. 12,500.

• 10,000 bonus Reward Points upon achieving annual spends of Rs. 3 lakhs and 4 lakhs.

• 5X Reward Points on Dining, Departmental stores, and Grocery Spends.

• 2 Reward Points per Rs. 100 on all other spends, excluding fuel.

2) ANQ Phi Credit Card

The ANQ Phi Credit Card is designed to cater to both domestic and international purchases,offering users versatility in their spending options through its physical card format.

• Similar to the ANQ Pi card, the Phi card has no joining fees, ensuring accessibility for all users. It features rewards across various categories, including dining and travel, allowing users to maximise benefits with every spend.

• Users also benefit from fuel surcharge waivers and international lounge access, enhancing the overall value of their card usage. The card offers an exceptional reward potential with 24 reward points on selected categories for every spend of Rs 200, and 4 reward points on other spends of Rs 200.

• Whether for online or offline shopping worldwide, the Phi card provides users with a comprehensive and rewarding payment solution to meet all their financial needs.

3) IndusInd Bank Pioneer Heritage Credit Card

The IndusInd Bank Pioneer Heritage Credit Card is tailored for high-income individuals, offering attractive rewards through point accumulation and redemption options. Cardholders enjoy entertainment benefits and exclusive access to select domestic and international lounges by using this card for transactions.

• Access to over 30 global luxury and premium brands with a presence in more than 360 stores across 30 cities in India.

• Various discount vouchers from multiple brands.

• Access to an exquisite collection of watches, stationery, jewellery, leather goods, and eyewear from some of the most premium brands globally.

4) HDFC Regalia Gold Credit Card 

The HDFC Regalia Gold Credit Card stands out as a top choice for rewards, offering benefits across various categories including travel, dining, and shopping. With a competitive redemption rate and an exclusive redemption catalogue, this card is particularly appealing to frequent travellers. The annual fee for this card is Rs. 2,500.

• 12 complimentary domestic airport lounge visits

• 6 complimentary international lounge visits with Priority Pass for both primary and add-on members

• Spend Rs. 1.5 lakh and receive a Rs. 1,500 voucher from Myntra, Marriott, M&S, or Reliance Digital.

• Spend Rs. 5 lakh and receive a Rs. 5,000 flight voucher.

• Spend Rs. 7.5 lakh and receive an additional Rs. 5,000 flight voucher.

These perks make the HDFC Regalia Gold Credit Card a valuable choice for those seeking rewards and travel privileges.

5) IDFC First Wealth Card 

A lifetime-free Credit Card designed for discerning individuals who cherish life’s luxuries. This card is packed with travel perks including complimentary domestic and international airport lounge access, and a low forex mark-up fee. As the FIRST Wealth Credit Card, it offers up to 10X Reward Points, year-round offers from 300+ brands, and a buy-one-get-one movie ticket offer.

• Zero Joining Fee and Annual Fee.

• Low Interest Rates (APR), ranging from 0.75% to 3.65% per month (9% to 43.8% per annum).

• Low Forex Markup of 1.5% on international transactions.

• Late Payment Fee: 15% of Total Amount Due, with a minimum of ₹100 and a maximum of ₹1300.

• Interest-free cash withdrawals on domestic and international ATMs for up to 48 days (Cash Advance Fee of only ₹199 + GST per transaction).

• Over-limit (OVL) Charges: 2.5% of the over-limit amount, with a minimum charge of ₹550.

• Reward Redemption Fee: ₹99 + GST applicable per redemption transaction.

• Surcharge of 1% on payments for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction.

• Utility Payments Surcharge: Payments exceeding ₹20,000 towards utilities (Electricity, Gas, Telecom, etc.) in a statement cycle will attract a 1% surcharge on all utility spends.