
Credit playing cards have come to be an important monetary tool for millions of human beings in India, providing comfort, rewards, and economic flexibility. With a huge variety of credit playing cards available in the marketplace, selecting the excellent one on your wishes may be a daunting task. Whether you are looking for tour perks, cashback, or distinctive rewards, this guide will help you discover the Top 5 Best Credit Cards in India in December 2024. These credit score cards are recognized for their terrific blessings, rewards packages, and value for cash.
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Top 5 Best Credit Cards in December 2024
Credit Card | Best For | Annual Fee | Reward Points | Key Benefits |
---|---|---|---|---|
HDFC Regalia Credit Card | Luxury Rewards & Travel Benefits | ₹2,500 | 4 points for every ₹150 spent | Lounge Access, Insurance, Travel Perks |
SBI Card Elite | Premium Benefits & Lifestyle | ₹4,999 | 2 points per ₹100 (5 on select categories) | Club Vistara, Luxury Discounts |
Axis Bank Magnus Credit Card | High-End Rewards & Travel | ₹10,000 | 12 points per ₹200 spent | Exclusive Lounge Access, Shopping Discounts |
ICICI Platinum Credit Card | Cashback & Everyday Purchases | ₹499 | 1% cashback on all spends | Cashback, Fuel Surcharge Waiver |
American Express Platinum Travel Card | Travel Rewards & Benefits | ₹5,000 | 1.5 Membership Rewards Points per ₹50 | Travel Insurance, Airport Lounge Access |
Related Read:- Amex hikes Platinum Charge Card fee by [10% with refresh of benefits]
Top 5 Best Credit Cards in India for December 2024: Check Details Below
Credit cards offer purchasers with a number blessings, from reductions to praise points. However, now not all credit cards are created equal. Some offer greater perks for tour enthusiasts, at the same time as others are higher appropriate for folks who want cashback or purchasing discounts. Let’s take a deeper dive into the Top 5 Best Credit Cards in India this December.
HDFC Regalia Credit Card

Best For Luxury Rewards & Travel Benefits
The HDFC Regalia Credit Card is one of the most sought-after cards in India, known for its luxurious perks and travel benefits. If you are a frequent traveler, this card is perfect for you, offering complimentary access to airport lounges, travel insurance, and bonus reward points on every spend.
Key Benefits:
- Reward Points: Earn 4 points for every ₹150 spent.
- Airport Lounge Access: Free access to both domestic and international airport lounges.
- Insurance: Comprehensive travel insurance, including flight delays and lost baggage coverage.
2. SBI Card Elite

Best For Premium Benefits & Lifestyle Perks
SBI Card Elite is designed for those who enjoy a premium lifestyle. Offering attractive rewards, exclusive discounts, and free memberships, this card is a perfect companion for luxury lovers and frequent flyers.
Key Benefits:
- Welcome Benefit: Get a free Club Vistara membership and earn air miles.
- Reward Points: Earn 2 points for every ₹100 spent (5 points on select categories).
- Exclusive Discounts: Special offers on shopping, dining, and movies.
3. Axis Bank Magnus Credit Card

Best For High-End Rewards & Travel
Axis Bank Magnus Credit Card is a premium card with a focus on travel rewards, exclusive lounge access, and elite shopping privileges. If you are a high spender, this card rewards you with 12 points for every ₹200 spent, making it ideal for those looking to maximize their rewards.
Key Benefits:
- Reward Points: 12 points per ₹200 spent on all purchases.
- Exclusive Lounge Access: Unlimited access to airport lounges.
- Shopping Privileges: Luxury shopping discounts and offers.
4. ICICI Platinum Credit Card

Best For Cashback & Everyday Purchases
ICICI Platinum Credit Card is a great choice for individuals looking for simplicity and value. With a low annual fee and cashback rewards on every purchase, this card is perfect for those who use their credit cards for daily expenses.
Key Benefits:
- Cashback: 1% cashback on all purchases.
- Fuel Surcharge Waiver: No surcharge on fuel purchases.
- Low Annual Fee: ₹499, making it budget-friendly.
5. American Express Platinum Travel Card

Best For Travel Rewards & Benefits
For frequent travelers, the American Express Platinum Travel Card is one of the best options. It offers generous rewards on travel-related purchases, exclusive airport lounge access, and comprehensive travel insurance.
Key Benefits:
- Travel Points: Earn 1.5 Membership Rewards points per ₹50 spent.
- Travel Insurance: Coverage for travel delays, trip cancellation, and lost luggage.
- Airport Lounge Access: Access to over 1,000 lounges globally.
Related Read:- Axis Bank Neo Credit Card Review: 10% Movie & 40% Off on Zomato
Conclusion:
Choosing the right credit card depends on your spending habits and preferences. Whether you are after travel perks, shopping rewards, or cashback, there is a credit card for everyone in India in December 2024. The cards mentioned above offer a variety of benefits that cater to different needs, so select one that aligns with your lifestyle and start enjoying the advantages of being a credit card holder.
FAQs:
1. What is the best credit card for travel in India?
The HDFC Regalia Credit Card and American Express Platinum Travel Card are both excellent for travel rewards and benefits.
2. Can I get cashback on all purchases?
Yes, the ICICI Platinum Credit Card offers 1% cashback on all purchases.
3. Which card offers the most reward points?
The Axis Bank Magnus Credit Card provides 12 points per ₹200 spent.
4. Are there any credit cards with free airport lounge access?
Yes, both the HDFC Regalia Credit Card and SBI Card Elite offer free airport lounge access.
5. What is the annual fee for the SBI Card Elite?
The SBI Card Elite has an annual fee of ₹4,999.