Best credit cards of 2024: These are the best cards offered by major banks based on rewards points

If you are thinking about signing up for a new credit card, it is recommended to first compare the features of the different ones. Credit cards offered by various banks. These key features include reward points, eligibility, renewal fee and other benefits such as free access to the lounge.

There may be some features that are common among most credit cards. Here we give you a rundown of some of the features of the best credit cards of 2024 from the top banks that are HDFC BankICICI Bank, Kotak Mahindra Bank, Standard Chartered Bank and IDBI Bank.

Let’s find out more about this here:

Here are some of the best credit cards in 2024:

I. HDFC Bank

HDFC Bank Diners Club Millennia Card

These are the main features:

1. Membership renewal/joining fee: ₹1,000 plus taxes.

2. If you spend ₹one lakh or more in one year prior to the renewal date to get the fee waived.

3. Refund will be given in the form of reward points which can be redeemed against the statement balance.

4. The minimum reward points balance required for redemption against the statement balance is 500 reward points.

5. Reward points can be redeemed for airline miles at the conversion rate of 1RP = ₹0.30.

6. The exchange against the account statement balance will be made at a rate of 1 reward point = Re 1.

7. Unredeemed reward points will expire after two years of accumulation.

You can access more details of the Diners Club Millennia Credit Card here:

II. ICICI Bank

The private bank offers a number of credit cards including the Emerald Private Metal Credit Card, Emeralde Credit Card, Sapphiro Credit Card, Rubyx Credit Card, Coral Credit Card, Manchester United Platinum Credit Card, Manchester United Signature Credit Card and the Platinum Credit Card.

Here we share some of the key features of different ICICI Bank credit cards:

A. Emeralde Private Metal Credit Card:

These are the main features of the Emeralde Private Metal credit card:

1. The registration fee is ₹12,500 + GST. One night’s complimentary accommodation is offered with Epicure plus membership (valid for one year).

2. Cardholders are also offered a complimentary EazyDiner Prime membership every year.

3. Cardholders also get 12,500 ICICI Bank reward points as joining bonus and annual bonus.

4. Cardholders are also entitled to receive two EaseMyTrip air travel vouchers worth ₹3,000 each in the first ₹4.00.000 expenses and following ₹4,000,000 expenses.

B. Emeralde Credit Card

Key features include the following:

1. The registration fee is ₹12,000 plus GST.

2. Unlimited and free access to national and international VIP lounges.

3. Unlimited and free access to spa at Indian airports.

4. BOGO Offer on Movie and Event Tickets: Up to four times a month on tickets with a value of up to ₹750

5. Up to four complimentary rounds of golf based on applicable spending from the previous month.

C. Sapphiro Credit Card

Key features include the following:

1. The registration fee is ₹6,500 plus GST.

2. Welcome vouchers worth Rs 9000 are offered.

3. Buy a movie ticket and get ₹500 off second ticket, on BookMyShow, twice a month

4. Two free accesses to VIP lounges at the international airport per year

5. Four free accesses to VIP lounges at national airports per quarter

D. Rubyx Credit Card

Key features include the following:

1. The registration fee is ₹3,000 plus GST.

2. Welcome vouchers worth ₹5,000.

3. 25 percent discount on movie tickets, at BookMyShow and Inox, twice a month.

4. Air accident insurance ₹1 crore and liability for lost card ₹50,000.

5. Two complimentary rounds of golf per month.

E. Coral credit card

Key features include the following:

1. The registration fee is ₹500/ NONE. The annual fee is also the same.

2. 25 percent discount on movie tickets, at BookMyShow and Inox, twice a month.

3. One free access to VIP lounges on national trains and airports per quarter.

4. Exemption from one per cent fuel surcharge at HPCL service stations.

Manchester United Platinum Credit Card

Key features include the following:

1. The registration fee is ₹499 plus GST. The annual fee is also the same.

2. Manchester United Free Football

3. Up to 3 reward points for every Rs 100 spent

4. 25 percent off up to ₹100 at selected movie ticket stores

5. One free access to the airport lounge per quarter

Manchester United Signature Credit Card

Key features include the following:

1. The registration fee is ₹2499 + GST, and also the annual fee.

2. Complimentary Manchester United football and travel bag

3. Up to five reward points for every Rs 100 spent

4. 25 percent off up to ₹150 at selected movie ticket stores

5. Two free accesses to the airport VIP lounge per room

H. Platinum Credit Card

1. There is no registration fee or annual fee.

2. Two reward points for every Rs 100 spent, excluding fuel

3. Waiver of one per cent fuel surcharge at HPCL petrol pumps

You can get more details about these credit cards offered by ICICI Bank here.

III. Kotak Mahindra Bank

Kotak Mahindra Bank offers Kotak 811 Credit Card online.

These are the key features of Kotak Mahindra Bank:

1. ₹500 bonus points for spending ₹5,000 within 45 days of card setup.

2. Two reward points for each ₹100 spent online.

3. Exemption from the annual fee on retail expenses of ₹50,000 in the previous anniversary year.

4. ₹750 reimbursement of expenses ₹75,000 in the previous anniversary year.

You can get more details about the credit card offered by Kotak Mahindra Bank here.

IV. Standard Chartered Bank

Standard Chartered Bank offers several credit cards, including:

A. Rewards credit card

These are the main features:

1. There is no registration fee.

2. Earn 4x rewards on all retail spend plus a 4x rewards bonus on top monthly spend ₹20,000.

3. You will be able to gain access to the lounge per calendar quarter.

B. Standard Chartered EaseMyTrip Credit Card:

These are the main features:

1. 20 percent discount on hotels and 10 percent on flights.

2. You can get 10 times more rewards for ₹100 spent on hotel and airline websites, apps and stand-alone outlets.

3. Free access to VIP lounges: one national per calendar quarter and two international per year.

C. Smart credit card

These are the main features:

1. There is a 2 percent cashback on all online spending and a 1 percent cashback on all other spending.

2. You can convert your eligible transactions into a three-month EMI and pay a special interest rate of 0.99 percent per month with no processing charge.

3. You can get an extended 90-day interest-free period after issuance by paying the minimum due.

D. Ultimate Credit Card

These are the main features:

1. Free access to VIP lounges at national airports per quarter.

2.5 percent cashback on all tax-free purchases.

3.5 reward points for each ₹150 spent. Each reward point is worth 1 Re.

You can get more details about the credit cards offered by Standard Chartered Bank here.

V. IDBI Bank

These are some of the credit cards offered by IDBI Bank

A. Royale Credit Card

These are the main features:

1. You will earn 3 Delight points for every Rs. 100 spent.

2. You will get a welcome gift of 750 Delight Points on first use of the card within 30 days or 400 Delight Points on use between 31 and 90 days from the date of card issue.

3. The minimum transaction value eligible for the welcome gift is ₹1,500.

B. Euphoria Credit Card

These are the main features:

1. The Euphoria World Credit Card meets the travel needs of the cardholder.

2. You can earn six Delight Points for every 100 you spend on travel-related expenses i.e. hotels, airlines, IRCTC, bus bookings etc. or earn 3 Delight Points for every additional spend, which you can redeem against a wide range of gifts and souvenirs carefully curated to suit your lifestyle and preferences.

3. You can also choose to redeem your Delight Points as cash back into your account.

C. Aspire Platinum Cards

1. You’ll earn 2 Delight Points for every 150 you spend with your Aspire Platinum Card, so enjoy traveling, shopping, dining out or watching movies and get rewarded for all your spending.

2. In addition, you will get a welcome gift of 500 Delight Points on the first use of the card within 30 days or 300 Delight Points on use between 31 and 90 days from the date of issue of the card.

3. The minimum transaction value eligible for the welcome gift is 1,500.

D. Imperium Platinum Credit Cards

1. You will earn two Delight Points for every ₹150 spent on shopping, watching movies, traveling, etc.

2. Earn Delight Points that you can redeem for irresistible offers from world-renowned brands.

3. The card comes with a welcome bonus of 500 Delight Points.

4. Earn your free Delight points with a minimum single transaction of Rs. 1500 using your Imperium Platinum Credit Card within 30 days or 300 points between 31 and 90 days from the date of receiving your card.

5. Enjoy a credit limit of up to 85 percent of your fixed deposit(s).

E. Credit card with earnings

1. You will get 2 Delight points for every Rs. 100 spent with your card.

2. Get irresistible offers from world-renowned brands redeemable for your Delight Points.

3. You can also earn 500 more Delight Points with just 5 transactions worth Rs. 1000 each per month.

4. Get double Delight points in your birthday month.

You can get details about IDBI Bank credit cards here.

Note:This story is for informational purposes only.