Such cards could also be helpful for people who find it difficult to manage multiple cards and would rather choose one that helps them save on multiple spends, explains Rohit Chhibbar, Head of Credit Cards, Paisabazaar.
“Credit cards with good all-round benefits would be available for a slightly higher annual fee, with some belonging to the premium cards segment. When looking for one such card, it is important to see the extent of benefits offered across categories and choose a card that aligns with your spending patterns and eligibility. For instance, if the top two spending categories for you are online shopping and dining, a credit card that helps you save the most on these two categories would be better than a card that largely caters to travel or fuel,” says Chhibbar.
Here is a look at credit cards with the best all-round benefits chosen basis the overall value offered by a card across multiple categories like shopping, dining, travel, movies and more. (Source: Paisabazaar; All card information is sourced from the card provider website as of April 15, 2024.)HDFC BankHDFC Bank Diners Club Black Credit Card
Annual Fee
Best Features
- Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 Months) and MMT Black as activation benefit (renewed every year on annual spends of Rs. 8 Lakh)
- 5 reward points for every Rs. 150 spent
- Up to 10x rewards via SmartBuy and 2x rewards on weekend dining
- Redeem rewards in 1:1 ratio at SmartBuy for hotel and flight bookings, and against Air mile conversion
- 1 reward point = Rs. 0.30 against cashback redemption and up to Rs. 0.50 against product catalog
- Unlimited airport lounge access for primary and add-on card members
- 6 complimentary golf games every quarter worldwide
- Low forex markup fee of 2%
- Any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
- Flat 10% extra off at dining bills via Swiggy Dineout
- Annual fee reversal on spending Rs. 5 Lakh in a year
- 1% fuel surcharge waiver across all fuel stations in India.
HDFC Bank Regalia Gold Credit Card
Annual Fee
Best Features
- Club Vistara Silver membership, MMT Black Elite membership and gift voucher worth Rs. 2,500 on card activation
- 4 reward points on every Rs. 150 spent (including insurance, utilities and education)
- Club Vistara Silver membership, MMT Black Elite membership and gift voucher worth Rs. 2,500 on card activation
- 4 reward points on every Rs. 150 spent (including insurance, utilities and education)
- 20 reward points on every Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital
- Value of 1 reward point = Up to Rs. 0.65 or up to 0.5 air mile
- 12 complimentary lounge access within India at both International & domestic terminals
- 6 complimentary lounge access outside India via Priority Pass Membership on completing 4 retail transaction on the card
- Voucher worth Rs. 1,500 on spending Rs. 1.5 Lakh in a quarter from Marriott, Myntra, Marks & Spencer or Reliance Digital
- Flight vouchers worth Rs. 5,000 on spending Rs. 5 Lakh in a year and additional voucher of Rs. 5,000 on spending Rs. 7.5 Lakh in a year
- Low foreign currency markup fee of 2%
- Annual fee waiver on spending Rs. 4 Lakh a year
- Up to 7.5% savings on restaurant bill payments via Swiggy Dineout
IDFC FIRST Bank
Annual Fee
Best Features
- Gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card set-up
- 5% cashback (up to Rs. 1,000) on first EMI transaction done within 30 days of card set-up
- 10x rewards on spends above Rs. 20,000 in a month and on birthdays
- 3x rewards on online and offline spends on spends up to Rs. 20,000 per month
- 3x rewards on rental and property management transactions
- 1x= 1 reward point per Rs. 150
- Value of 1 reward point = Rs. 0.25
- B1G1 offer up to Rs. 250 on movie tickets via Paytm mobile app (valid twice per month)
- Up to 20% discount at 1500+ restaurants
- Low forex markup fee of 1.5%
- 2 domestic & international airport lounge and spa visits per quarter, on spending Rs. 20,000 per month
- Comprehensive Travel Insurance Cover of USD 1200
- Interest-free cash withdrawal anywhere in the world
- 4 railway lounge visits per quarter
- 2 complimentary golf rounds per month for every Rs. 20,000 of monthly statement spends
- 1% fuel surcharge waiver up to Rs. 400 per month
SBI Card
SBI Card Elite
Annual Fee
Best Features
- E-gift voucher worth Rs. 5,000 as welcome benefit
- 5x reward points on dining, grocery and departmental store spends
- 2 reward points per Rs. 100 on all other spends, except fuel
- 2 rewards per Rs. 100 on international spends
- Value of 4 reward points = Rs. 1
- 9 CV points on every Rs. 100 spent on Vistara Flights
- Complimentary Club Vistara membership with 1 upgrade voucher
- Complimentary Trident Privilege Red Tier membership with 1,000 welcome points
- 6 complimentary airport lounge access internationally in a year via Priority Pass Program (max. 2 per quarter)
- 2 complimentary domestic lounge access every quarter
- Free movie tickets worth Rs. 6,000 every year
- 10,000 bonus reward points on spending Rs. 3 Lakh & Rs. 4 Lakh in a year
- 15,000 bonus reward points on spending Rs. 5 Lakh & Rs. 8 Lakh in a year
- Low foreign currency markup fee of 1.99%
- Annual fee waiver on spending Rs. 10 Lakh
Axis Bank
Axis Bank ACE Credit Card
Annual Fee
Best Features
- 5% cashback on bill payments via Google Pay (electricity, gas, internet, DTH, mobile recharge etc)
- 4% cashback on Swiggy, Zomato and Ola
- 1.5% cashback on all other spends
- 4 domestic lounge access per calendar year at selected lounges, subject to spending Rs. 50,000 in previous quarter
- 1% fuel surcharge waiver across all fuel stations in India
- Up to 20% off at partner restaurants in India.
Some features on Axis Ace Credit Card and IDFC Wealth Credit Card are effective from 20 April 2024 and 1 May 2024, respectively.
