SBI, HDFC, and Axis Bank provide one of the best credit cards in India. They offer multiple benefits and offers as per your needs and requirements. Let us look at some of the top credit cards offered by these banks and their key benefits.
Axis Bank Credit Card
Check out the best Axis Bank Credit card are listed below:
Axis Bank Magnus Credit Card
| Lifestyle and Entertainment | |||
| Benefit type | Benefit | Notes | |
| Bookmyshow Benefits | Buy one movie/non-movie ticket and get Rs. 500 off on the second one | 1) Offer valid for a maximum of 5 bookings in a month | |
| 2) To avail of the offer – | |||
| a) Go to the Bookmyshow app | |||
| b) Select the movie and seats as usual | |||
| c) Proceed to the payments page | |||
| d) Check “unlock offers or unlock promo codes” | |||
| e) Enter your credit card number and enjoy the offer | |||
| Dining Benefits | Enjoy up to 20% discount at over 4000 restaurants in India | ||
| Extraordinary weekends | Hand-picked weekend offers for you to choose. 1) Book golf lessons 2) Special Airport Concierge Services 3) Book airport transfer services | 1) To avail visit extraordinaryweekends.com | |
| 2) You can also call at 1800 103 4962 | |||
| Health and Wellness Benefits | |||
| Benefit type | Benefit | Notes | |
| Insurance Benefits | Enjoy lost card liability program, air accident cover, purchase protection, and more | 1) Lost card liability up to the credit limit of your card | |
| 2) Purchase protection up to Rs. 2 lakhs | |||
| 3) Credit Shield up to Rs. 5 lakhs | |||
| 4) Air accident cover up to Rs. 450 lakhs | |||
| valid up to 31/10/22 | |||
| 5) Loss/delay in baggage and personal documents | |||
| up to 500 USD | |||
| Medical Concierge program | Virtual teleconsultation, home quarantine care, health coaching, oncology care, and more | Dial 1800 103 4962 to avail the services | |
| Second Medical Opinion | Avail medical opinions from experts and specialists from all over the world | 1) Dial 1800 103 4962 to avail of the services | |
| 2) This service is paid as per actuals | |||
| Preventive Healthcare | Offers from Dr. Lal Path lab and metropolis on their preventive health care packages and more | 1) Dial 1800 103 4962 to avail of the services | |
| 2) This service is available for a limited period | |||
| Global Travel and Medical Assistance | 1) Travel medical advice | 1) Dial 1800 103 4962 to avail of the services | |
| 2) Pre-trip information | 2) To avail, you have to be outside your home country for | ||
| 3) Interpreter services | not more than 90 days per trip | ||
| 4) Inoculation | 3) This is an access-based service | ||
| 5) Visa requirement information | |||
| 6) Tele-medical advice |
| Other Benefits | |||
| Benefit type | Benefit | Notes | |
| Annual Fee Waiver | Get annual fee of Rs. 10,000 waived off for the second year on spends of Rs. 15 lakhs in the previous year | The year is calculated as the card anniversary year | |
| Benefits on fees and charges | 1) Low-interest rate of 2.5% on extended credit | ||
| 2) No fees on cash withdrawal | |||
| 3) 1% fuel surcharge waiver for transactions | |||
| between Rs. 400 – Rs. 4,000 | |||
| 4) 2% fee on foreign transactions | |||
| 24 * 7 Concierge Services | Table reservations, gift deliveries, flight bookings, and more | Call 1800 103 4962 to avail the services | |
Axis Bank Select Credit Card
| Benefits and offers | |||
| Benefit type | Benefit | Notes | |
| Welcome Benefit | Amazon gift voucher worth Rs. 2,000 | 1) Valid on the first card transaction done within 90 days of the issue of the card | |
| 2) Not valid on add-on credit card | |||
| 3) Non-transferable, non-assignable and | |||
| non-negotiable | |||
| Big Basket Benefit | 20% off on minimum purchase of Rs. 2,000 | Can be availed once a month | |
| Swiggy offers | 40% off on the Swiggy app | 1) Maximum Rs. 200 | |
| 2) Apply Code “AXIS200” at checkout | |||
| 3) Can be availed twice a month on a | |||
| minimum order of Rs. 400 | |||
| BookMyShow offers | Buy one ticket and get Rs.300 off on the second one | Offer applicable once per month per user | |
| Airport Lounge access | Complimentary Priority Pass membership worth USD 99 | 1) 6 Complimentary international lounges | |
| visits in a year | |||
| 2) 2 complimentary domestic lounges | |||
| visits per quarter | |||
| 3) Automatic renewal on expiry | |||
| Annual Offers | 1) Renewal of Priority Pass Membership | 1) On annual spending of 3 lakhs | |
| 2) Renewal of offers on BigBasket, | |||
| Swiggy and BookMyShow | |||
| Milestone Benefits | 1) Earn 5000 Edge points on spending | ||
| Rs. 3 lakhs a year | |||
| 2) Annual fee waiver on spending | |||
| Rs. 6 lakhs a year | |||
| Reward Points | 1) 10 Edge points on every Rs. 200 spent | ||
| 2) 2X Edge points on every Rs. 200 spent | |||
| on “Retail shopping” | |||
| Golf Benefits | 1) Complimentary 6 golf rounds per year | Visit extraordinaryweekends.com
to book your visit |
|
| 2) Additional 3 visits on spends of Rs. 3 lakhs | |||
| 24*7 Concierge Desk | Enjoy complimentary services on flight bookings, exclusive events/shows, gift deliveries, table reservations, etc. | Call 1800 103 4962 | |
| Dining offers | Enjoy up to 20% off on your bill at partner restaurants | Present the card at the restaurant before the bill is generated | |
| Fuel Surcharge Waiver | Avail 1% fuel surcharge refund on fuel purchases across all fuel stations in India, valid on transactions between Rs. 400 to Rs. 4,000 only | The maximum benefit availed is Rs. 400 per month, not valid on service tax on fuel surcharge, no reward points on fuel transactions | |
| Comprehensive Insurance cover | 1) Air accident cover up to Rs. 2.5 crore | 1) To be discontinued post-31st October 2022 | |
| 2) Purchase protection up to Rs. 1 lakh | |||
| 3) Total USD 500 cover for the following – | |||
| a) Loss of travel documents | |||
| b) Delay in check-in baggage | |||
| c) Loss of check-in baggage |
Axis Bank Aura Credit Card
| Type of benefit | Benefit | Notes | |
| Welcome benefit | Decathlon Gift voucher worth Rs. 750 to be used online or at any Decathlon store | Valid for 60 days from the date of issue of the card | |
| Complimentary doctor consultations | Get 4 free video consultations per month from doctors via Practo | Can be availed at axisbankaura.poshvine.com | |
| Complimentary Fitness sessions | 1. Get 4 free video fitness sessions per month via Fitternity 2. Free access to 16 recorded sessions per month | Can be availed at axisbankaura.poshvine.com | |
| Discount on health check-up packages | Annual discount of up to Rs. 500 on health check-ups | Can be availed at axisbankaura.poshvine.com | |
| Fuel Surcharge Waiver | 1) 1% fuel surcharge waiver 2) Applicable on transactions between Rs. 400 to Rs. 4,000 per month | GST on fuel surcharge is non-refundable | |
| Nutrition consultation benefit | Minimum 30% discount on diet/nutrition consultation from well-known nutritionists | ||
| Minimum 30% discount on diet/nutrition foods | |||
| EDGE Loyalty points | Get 2 edge points on spends of Rs. 200 | Check the Edge loyalty rewards for redemption | |
| Accelerated Edge points for Insurance spends | 5X Reward points on insurance transactions with the card | Maximum transaction amount capped at Rs.10,000 | |
| Safe and secure transactions | Chip and PIN-enabled transactions to ensure that your card is safe and secure to use. Only EMV-certified chips are used in all cards | ||
| Dining Delights | 20% off on select restaurant partners |
SBI Top 3 Credit Cards and Their Offers
| SBI Card ELITE Advantage | Simply SAVE SBI Card | SBI Card PRIME Business | ||
| Minimum Savings | Rs. 33,000 annual savings | Rs. 4,000 annual savings | Rs. 30,000 annual savings | |
| Welcome Gift | Worth Rs. 5,000 | Welcome offer worth Rs. 500 | E gift voucher worth Rs. 3,000 | |
| Rewards | 5X reward points on grocery, departmental stores, and dining spends | 10X reward points on grocery, departmental stores, movies, and dining spends | 5X reward points on grocery, departmental stores, movies, and dining spends | |
| 2 reward points for every Rs. 100 spent | 1 reward point on every Rs. 100 spent | 7.5X rewards on Preferred partners and 10X rewards on birthdays | ||
| 4 reward points = Re.1 | 4 reward points = Re.1 | – | ||
| Vouchers | – | – | Pizza hut e-voucher worth Rs. 1,000 on quarterly spends of Rs. 50,000 | |
| – | – | Pantaloons/Yatra gift voucher worth Rs. 7,000 on annual spends of Rs. 5 lakhs | ||
| Fuel Surcharge Waiver | Up to Rs. 250 every month | Up to Rs. 100 every month | – | |
| BookMyShow offer | 2 movie tickets every month worth Rs. 250 | – | – | |
| Priority Pass Program | Complimentary membership | – | 4 complimentary visits to international lounges | |
| – | – | Complimentary membership to Trident Privilege Red tier and Club Vistara Silver Tier | ||
| Concierge Services | Exclusive services for lifestyle offer | – | – | |
| Rewards Catalogue | Exclusive rewards catalogue across categories like travel, superstore, holiday vouchers, etc. | – | – | |
| Annual fee reversal | – | On spends of Rs. 1 lakh a year | On spends of Rs. 3 lakhs a year |
HDFC Credit Cards
Check out different types of HDFC Credit Card:
| Key features and benefits of HDFC Millenia credit card |
| Minimal joining fee at Rs. 1,000 + taxes |
| 2X reward points on every Rs. 150 spent |
| Bonus 2500 reward points on spends of Rs. 1.8 lakhs annually |
| 50 day interest free credit period |
| Cashback offers |
| 1% fuel surcharge waiver |
| Dining benefits |
| Key features and benefits – HDFC Business Moneyback credit card |
| Low joining fee at Rs. 500 + taxes |
| 2X reward points for every Rs. 150 spent |
| 2500 bonus reward points on spends of Rs. 1.8 lakh in a year |
| 5X reward points on fuel spends |
| 5% monthly cashback spends on business spends |
| Avail zero lost card liability |
| Key features and benefits of HDFC Diners Club Black credit card |
| Joining fee at Rs. 10,000 + taxes |
| Complimentary annual memberships at Club Marriott, Forbes, Amazon Prime etc |
| Earn 5 reward points for every Rs. 150 spent |
| Enjoy 10X reward points via SmartBuy and 2X on weekend dining |
| Complimentary golf games |
| Travel and wellness benefits |
| 1% fuel surcharge waiver |
Conclusion
SBI, HDFC, and Axis bank have different credit cards for different needs. HDFC has credit cards suitable for high-spend customers who travel a lot. SBI and Axis bank also have credit cards for various needs like lifestyle and travel. Choose a credit card that suits your needs well.
