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Credit Card issuers in India

Credit Card Offers

Credit cards offer the convenience of making purchases and pay for them later. The number of people using credit cards are increasing day-by-day due to its ease of use and advantages of getting reward points, discounts and offers. For example, if the cost of the mobile phone you want to purchase online is Rs. 20,000, you can get the same mobile for Rs. 18,000 if you have a credit card. Depending on festivals and special occasions, there are always a huge number of offers, cashback, etc., on using a credit card. Moreover, a credit card also comes with No Cost EMI option and Emi facilities. Wondering which credit card, you must opt for in terms of availing the best offers? We have filtered out some of the best credit card offers for you which will help narrow down your search and get your hands on the right one.

Credit Card Offers by Categories

Credit cards can be classified into the following categories and so the offers. They are categorised into shopping, entertainment, travel, lifestyle, fuel, reward points etc.

Shopping: Partnering with top merchants, brands and companies, the credit card issuers provide discount on every purchase at the specific outlets. As there is a huge increase in the online shoppers, there is plethora of discounts available for making online purchases using credit cards.

Lifestyle: Lifestyle products that we normally use or items from top brands can be availed at discounts using credit cards specially designed for it.

Entertainment: Indulging in recreational activities is part of everyone’s life. A lot of money is spent for watching movies, concerts and various other events. Using your credit card can help you get discounts against all such bookings.

Travel: Most people get credit cards specially to get a lot of travel benefits. International spends can get you loads of benefits in terms of booking flight tickets or hotel bookings. Complementary lounge access at domestic and international airports, vouchers, discounts, air miles, etc., are some of the benefits of travel credit card offers.

Reward points: When you use your credit card for every purchase, you get reward points which after accumulation of certain points can be redeemed against various gift items or converted to cashback.

Credit Card Offers from Top Banks

Partnering with major e-commerce giants and famous retails stores, credit cards issued by banks offer plethora of discounts, cashback and reward points. Here are some of the offers provided by major banks in India.

SBI Credit Card Offers

SBI credit card offers discounts up to 30% on buffet at select premium restaurants across the country. Other offers include cashback at leading hospitals, pharmacies, duty free stores, hotel and ticket bookings. On e-commerce transactions get minimum discount of Rs. 250. Most importantly, you can convert the big purchases into easy EMI option.

ICICI Bank Credit Card Offers

Flat 15% off on Myntra, 10% cashback on Jabong, up to 20% discount on healthcare products, up to 40% discounts on healthcare products, 25% discount on flower purchase, free movie tickets are some of the major offers from ICICI Bank credit cards.

Kotak Mahindra Credit Card Offers

Just like any other credit card, Kotak Mahindra Bank too offers myriad of benefits to the users. You can avail the offers on swiping the credit cards at premium restaurants, grocery stores, electronic items, travel ticket booking websites, e-commerce portals etc. In addition to that you can also get fuel surcharge waiver and huge reward points on every purchase using a Kotak credit cards.

American Express Credit Card Offers

The cards by American Express can be classified as premium cards, travel cards, rewards cards. Premium cards come with higher credit limits and benefits on international spends. Other credit cards offer plenty of discounts on lifestyle products, hotels, restaurants and hospitals. PAYBACK points help you redeem against various gift items or convert it into cashback.

Yes Bank Credit Card Offers

Yes Bank credit cards comes with huge offers on bill payments, dining, shopping, travel etc. Apart from that you can also get your annual fee reversed on a specific credit card spending prescribed by the bank. Yes Rewardz program help you save on your monthly expenses or you can redeem them against list of merchants having tie up with the bank.

Axis Bank Credit Card Offers

Up to Rs. 500 off on Cleartrip, 15% discount on Vistara, 20% discount on Zomato, flat discounts at online shopping, up to 22% discount on health and fitness products and 5% cashback on EMI transactions are some of the major benefits can be availed from Axis Bank credit cards.

HDFC Credit Card Offers

Up to 20% discount on Swiggy, 10% discount on medicines, easy EMI options on purchase of camera, up to 10% discount on hotel bookings, great discounts and No cost EMI at flipkart, Amazon and other major e-commerce websites are the important offers can be availed on HDFC credit cards.

Citibank Credit Card Offers

Savings up to Rs. 500 on booking a prepaid meal, 10% instant savings on lifestyle products, cashback on movie tickets, 10% discount on travel bookings, Easy EMI for apple products are some of the major offers on Citibank credit cards.

RBL Credit Card Offers

Get up to 30% discount on hotel stays, flat discount of 15% in Swiggy, Rs. 250 off on Grofers, discounts at lifestyle products, online shopping, health and fitness products, free movie tickets at BookMyShow etc on RBL credit cards.

Benefits of Credit Cards

Using a Credit Card to avail discounts and offers has some inherent benefits apart from the fact that you can shop cheap and easy.

  • Interest Rate: The interest that comes on overdue payments is among the lowest in the industry. In addition to that the cards come with a 20 to 55-day interest-free period. However, the interest-free period depends on the card you take.
  • Zero Liability on lost card: If you happen to lose your card or unfortunately it gets stolen, there is no liability on you other than to report the loss – and file an FIR in case of theft.
  • Insurance: Some credit cards bring you more than just purchasing power. It brings with it an in-built insurance for general health, critical illness, and accident. Once again it is dependent on the type of card you take.
  • Loan against your card: Some credit cards offer you loan against the credit card limit. All you need to do is pay your credit card bills on-time. If you have a good payback history, you can avail of loan on demand using your credit card.
  • Easy Balance Transfer: Some credit cards offer you the facility to transfer your credit card balance to another card or to another account without any hassle. This means that you can transfer any overdue amount from any other credit card you hold to your new credit card. This not only gives you much needed relief from the burden of debt but also brings with it an interest-free period and low interest rates, which you can use to your advantage in paying off the old debt and starting afresh.
  • Global Access: Most of the credit cards are acceptable all over the world. The card facilities can be availed across number of merchant partners around the globe, thus offering you the convenience of purchasing from international as well as Indian brands.
  • Reward Points: Every transaction you make with your credit card earns you some reward points – also called loyalty points – which you can use to make further purchases.

Frequently Asked Questions

1. How to check the credit card offers?

You can either download the Mobile App of the bank on Google Play or iTunes on your smartphone and access your card account details, or simply check your credit card details online by logging into the official portal. You can also send an SMS to the bank and get details, or you can simply dial their 24x7 phone banking number and talk to the customer support.

2. How can I convert my purchases to EMI?

Every credit card offers you the facility of converting your transactions into EMIs for easier payment process. When you make a transaction of Rs. 2500 and above, it is possible to convert it into EMIs. This can range from 3-12 months and with low interest rates. The net banking facility or customer care service can be used to do this conversion into EMI.

3. How can I use the reward points earned on the credit card?

Reward points can be redeemed against various gift items listed by the credit card issuer or it can also be converted to cashback or used against the bill payment. Reward points accumulated can only be redeemed against the partnered outlets or merchants.

4. How can I use my credit card for e-commerce transactions?

Before making a transaction on any e-commerce site, you need to register your credit Card on the bank website. Under the cards section, you need to select the type of the card, then select option for Registration, give information required and create a password as per guidelines. This password is to be used later in all e-commerce transactions.

5. Which is the best credit card to get the best offers?

There is no single credit card that gives you the best offers, but it all depends on your lifestyle and spending habits. Credit cards are designed based on different categories such as travel, shopping, entertainment, lifestyle, fuel usage etc. If you are a frequent traveller, a travel credit card can give you the best offers and similarly for interests. Hence, the best thing would be to compare various credit cards with your spending habits and choose the one that aligns with your spending pattern.

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