The year 2024 has proven to be noteworthy for India’s credit card sector, with the introduction of a variety of new cards to fulfill the requirements of various consumers. As financial needs change, banks have created new credit assistance that offers unique benefits and rewards. This year’s options serve everyone, from travel enthusiasts to everyday shoppers.
Among the great options are metal credit cards, which offer luxury and practical rewards. There are also cards designed for frequent travelers that provide access to airport lounges and travel insurance. Some cards focus on everyday purchases like fuel, giving cashback, and Reward Points to loyal customers.
These new credit cards are gaining attention across the country because they offer more financial control. With appealing welcome bonuses, cashback offers, and strong reward systems, more people are choosing credit cards to manage their money better. The variety of options available in 2024 not only helps wallets but also encourages Indians to make smarter decisions related to their finances.
IDFC FIRST Bank Ashva Metal Credit Card
The IDFC FIRST Bank Ashva Metal Credit Card combines traditional design with modern benefits, appealing to both travelers and shoppers. With a joining fee of ₹2,999 plus taxes, this card offers perks such as 10X Reward Points on spending over ₹20,000 per month and a welcome bonus of 5,000 Reward Points. Cardholders enjoy advantages like complimentary airport lounge access and free movie ticket offers through BookMyShow and travel insurance. It even has a lower Forex markup of just 1% on international transactions, so making transactions internationally will be quite rewarding.
IDFC FIRST Bank Mayura Metal Credit Card
The IDFC FIRST Bank Mayura Metal Credit Card is a premium card designed for those who frequently travel and shop. With a unique peacock design, it offers many benefits, including free access to domestic and international airport lounges and complimentary railway lounge visits. Cardholders can earn up to 10X Reward Points on spending over ₹20,000 each month. New applicants can enjoy a welcome bonus of 10,000 Reward Points, and there’s a cashback offer for making specific transactions. The card comes with a joining fee of ₹5,999 plus taxes, which is quite expensive but worth all the privileges we receive with this card.
PNB EaseMyTrip Credit Card
The PNB EMT RuPay Platinum Credit Card is ideal for travelers, providing various perks to its users. With a joining fee of ₹2,000, cardholders can enjoy a welcome voucher worth ₹3,000 and 300 Reward Points after their first transaction. The card provides discounts on booking flights, hotels, and bus services, making travel more affordable. It also includes complimentary access to airport lounges, with a total of eight visits per year for domestic lounges and two for international ones. Cardholders receive insurance coverage of up to ₹2 lakhs in case of accidental death or total disability.
IndianOil RBL Bank XTRA Credit Card
The IndianOil RBL XTRA Credit Card is a practical option for those who frequently refuel at IndianOil stations. It has a joining fee of ₹1,500, but you get the same amount back in Fuel Points once you start using it. For every ₹100 spent at IndianOil outlets, you earn 15 Fuel Points, which equals a reward rate of 7.5%. You can even save on fuel charges through a 1% fuel surcharge waiver, leading to a total savings of 8.5%. Every month, you can earn up to 2,000 Fuel Points, which can help you save up to ₹1,000 on fuel. You also get 3,000 Fuel Points as a welcome gift when you make an initial purchase of ₹500.
IndianOil RBL Bank Credit Card
The IndianOil RBL Bank Credit Card is created for loyal customers of IndianOil petrol stations. With a joining fee of ₹500, this card lets you earn rewards for your fuel purchases, giving you 10 Fuel Points for every ₹100 spent at their outlets, which translates to a 5% reward rate. You also receive a welcome bonus of 1,000 Fuel Points upon joining, which adds to your savings. If you spend ₹1,75,000 in a year, you can waive the annual fee, making it even more beneficial.
SBI Card MILES
The SBI MILES Credit Card is a great option for people who love to travel. With a low joining and renewal fee of ₹1,499 plus taxes, it offers impressive rewards. When you spend ₹30,000 within the first 60 days of getting the card, you earn 1,500 Travel Credits as a welcome gift. You can earn 2 Travel Credits for every ₹200 spent on travel and 1 Travel Credit for every ₹200 spent on other purchases. These credits can be turned into air miles or hotel points. The card also provides four free visits to domestic airport lounges each year and a Priority Pass membership for international lounge access.
SBI Card MILES PRIME
The SBI Card MILES PRIME is designed for people who love to travel. It charges a joining and renewal fee of ₹2,999 plus taxes, but it offers great perks in return. If you spend ₹60,000 within the first 60 days of getting the card, you’ll receive 3,000 Travel Credits. These credits can be turned into air miles or hotel points, making your trips cheaper and more enjoyable. You also get complimentary access to airport lounges, which adds to your travel comfort. The card even provides travel insurance for flight cancellations and lost baggage.
SBI Card MILES ELITE
The SBI Card Miles Elite is a premium credit card designed for frequent travelers. It has a joining fee of ₹4,999 but offers great rewards for travel-related spending. For every ₹200 spent on travel, you earn 6 Travel Credits, while other purchases earn you 2 Travel Credits. A standout feature is the joining bonus of 5,000 Travel Credits, which you can earn by spending ₹1 lakh within the first 60 days of getting the card. This can be redeemed for travel bookings or converted into Air Miles and Hotel Points. The card also offers benefits like up to 8 free visits to domestic airport lounges each year and access to international lounges.
KrisFlyer SBI Card
The KrisFlyer SBI Credit Card is designed for members of KrisFlyer, the Singapore Airlines loyalty program, making it a preferred choice for those who love to travel. The card has a joining and renewal fee of ₹2,999 plus taxes, and you can earn 5 KrisFlyer Miles for every ₹200 you spend on Singapore Airlines or international purchases, helping you earn rewards quickly. Upon joining, you receive 3,000 KrisFlyer Miles, and you’ll enjoy travel benefits like complimentary access to airport lounges—one domestic entry each quarter and four international visits per year.
KrisFlyer SBI Card Apex
The KrisFlyer SBI Card Apex is a premium credit card designed for frequent travelers, especially those who fly with Singapore Airlines and its partner airlines. It comes with a joining and annual fee of ₹9,999, which may seem high but offers exceptional rewards and benefits. Cardholders earn 10 KrisFlyer Miles for every ₹200 spent on Singapore Airlines and 8 miles for international purchases. You even receive 10,000 KrisFlyer Miles as a welcome benefit after making your first transaction within 60 days of receiving the card. The card also provides access to airport lounges, allowing for two visits to domestic lounges each quarter and eight visits to international lounges annually.
HDFC Bank HOG Diners Club Black Credit Card
The HDFC Bank H.O.G Diners Club Black Credit Card offers exclusive benefits for Harley Davidson enthusiasts. With a joining fee of ₹10,000, cardholders enjoy perks like 10X Reward Points on spending with Harley and Smartbuy. The card provides unlimited access to both domestic and international airport lounges. Cardholders also receive welcome benefits, including complimentary memberships to Club Marriott and Amazon Prime and vouchers worth ₹2,500. For every ₹150 spent on eligible purchases, users earn 5 Reward Points, and dining on weekends gives 2X Reward Points. The card also offers insurance coverage of ₹2 Crore for accidental air death, providing a sense of security during travels.
HDFC Harley Davidson Diners Club Credit Card
The HDFC Bank Harley Davidson Diners Club Credit Card is a perfect fit for motorcycle lovers and everyone who enjoys shopping and dining. With a joining fee of ₹2,500 plus taxes, this card offers impressive benefits. New cardholders receive annual memberships for Swiggy One and Times Now, along with vouchers worth ₹750. You can earn 4 Reward Points for every ₹150 spent, and when you use Zomato or Swiggy, you get 20 points for the same amount. Users also enjoy BOGO offers for movie tickets and access to airport lounges. Top spenders can also earn exclusive invitations to Harley events and even win trips to the Harley Davidson Museum.
Times Black ICICI Bank Credit Card
The Times Black ICICI Bank Credit Card is a premium metal card designed for cardholders who enjoy luxury and high spending. With an annual fee of ₹20,000, it offers many exclusive benefits, including a complimentary ₹10,000 EaseMyTrip voucher for luxury stays and Zomato Gold membership for dining discounts. Cardholders earn 2.5% Reward Points on international spending and 2% on domestic expenditure. It even provides unlimited access to airport lounges and unique experiences at The Quorum Club, including exclusive events and a 20% dining discount at select restaurants.
HSBC Taj Credit Card
The HSBC Taj Credit Card is a premium card designed for those who love luxury travel and stays. With a high annual fee, it offers exclusive perks like a complimentary night’s stay with breakfast at select Taj hotels, unlimited airport lounge access, and special discounts at popular dining outlets. Cardholders earn 5 Reward Points for their spending at Taj properties, which can be redeemed for future stays or experiences. The card even grants access to The Chambers Lounge, an elite business club, and includes benefits such as birthday month treats and complimentary room upgrades.
IDFC FIRST EARN RuPay Credit Card
The IDFC FIRST EARN Credit Card is a secured card designed for those looking to save on their spending. It requires a minimum fixed deposit of ₹5,000 and offers a joining fee of ₹499 plus taxes. Cardholders earn 1% cashback on UPI transactions made through the IDFC mobile app and 0.5% on other eligible spends, like utility bills and insurance. New users can enjoy welcome benefits like 100% cashback, up to ₹200, on their first four UPI transactions within 15 days of getting the card. There’s a 25% discount on movie tickets booked through Paytm, allowing users to save up to ₹1,200 annually.
IRCTC RBL Credit Card
The IRCTC RBL Bank Credit Card is an excellent option for frequent travelers in India, especially those who book train tickets through the IRCTC portal. With a low joining fee of ₹500, it offers 5 Reward Points for every ₹200 spent on train bookings, which can be redeemed at the rate of 1 point equaling ₹1. Cardholders enjoy benefits like access to railway lounges, allowing for a more comfortable journey, and a waiver of 1% transaction charges on train tickets. Additionally, it features a National Common Mobility Card, making it convenient to tap and pay at metro stations and bus terminals. Overall, this card provides significant rewards and conveniences for those who rely on rail and public transport for their travels.
Patanjali RBL Bank Swarn Credit Card
The Patanjali RBL Bank Swarn Credit Card is designed for loyal customers of Patanjali and offers various benefits. With a joining fee of ₹1,499 plus taxes, cardholders earn 10% cashback up to ₹750 on monthly purchases of ₹500 or more at Patanjali stores, along with 1 Reward Point for every ₹100 spent elsewhere. A welcome bonus of 6,000 Reward Points is given after the first transaction of ₹1,000 or more. The card also features complimentary airport lounge access, buy-one-get-one movie ticket offers through BookMyShow, and the ability to redeem Reward Points for various products and vouchers.
Patanjali RBL Bank Vishisht Credit Card
The Patanjali RBL Bank Vishisht Credit Card is designed for customers who love Ayurvedic products. With a low joining fee of ₹499 plus taxes, this card offers 10% cashback up to ₹500 on purchases made at Patanjali stores. Users earn 1 Reward Point for every ₹100 spent online or offline, which can be redeemed on the RBL Rewards portal. New cardholders enjoy the welcome benefits of 2,000 Reward Points after their first transaction within thirty days. Cardholders can benefit from milestone rewards, including discounts and complimentary stays at Patanjali wellness centers based on their annual spending.
TVS Credit RBL Bank Gold Credit Card
The TVS Credit RBL Bank Gold Credit Card is a perfect option for consumers looking to earn rewards through their purchases. With a joining fee of ₹1,599 plus taxes, cardholders receive great benefits such as 6,000 bonus Reward Points after their first transaction. For international purchases, users earn 10 Reward Points for every ₹100 spent and 2 Reward Points for everyday transactions. The card also provides cashback on dining through EazyDiner, airport lounge access, and easy UPI payment options.
TVS Credit RBL Bank Credit Card
The TVS Credit RBL Bank Credit Card is a great choice for those looking for a rewarding credit card. With a joining fee of just ₹500 plus taxes, cardholders receive 2,000 Reward Points as a welcome benefit when they make their first transaction within 30 days. This card offers perks like a buy-one-get-one-free movie ticket offer and access to railway lounges. Every ₹100 spent earns you Reward Points, which can be redeemed for vouchers or gift cards. It even features the National Common Mobility Card technology for easy payments at public transport stations.
BOBCARD Tiara Credit Card
The BOBCARD Tiara Credit Card is designed mainly for women, providing numerous benefits that serve their needs. It offers 5X Reward Points on dining, travel, and international spending and 3 Reward Points on all eligible spends. Cardholders enjoy perks like unlimited access to domestic airport lounges and complimentary memberships to services like Amazon Prime and Swiggy. With a joining fee of ₹2,499 along with taxes, this cost can be waived by meeting spending goals. The card even includes health benefits, such as free health screening packages promoting wellness.
MakeMyTrip ICICI Bank Credit Card
The MakeMyTrip ICICI Bank Credit Card is ideal for travel enthusiasts who frequently book flights and hotels through MakeMyTrip. With a reasonable annual fee of ₹999, cardholders enjoy numerous benefits, including a ₹1,000 voucher for MakeMyTrip bookings and a complimentary MMTBLACK Gold Membership for extra discounts. For every ₹200 spent on hotel bookings, users earn 6 myCash and 3 myCash for flights or cabs. They even receive eight free domestic airport lounge visits each year and one international lounge visit. This card also features low Forex charges of just 0.99% on international transactions, which is quite impressive.
Bottom Line
The year 2024 has been quite interesting for credit cards, with many new options available for different needs and preferences. There are cards with travel perks and others that offer cashback for everyday spending. As people seek better ways to manage their money, these new options have become popular and made credit cards more attractive. Next year, we can expect even more innovative features and rewards, making it a great time for consumers looking for the best financial tools.