Category Archives: Compare

Best Travel Credit Cards in India for 2020

Axis Bank Air Vistara Infinite

After writing on Air Vistara credit cards last week, I thought of figuring out the best travel credit cards available in India.  Simply because when we go on vacation or travel, the single largest expense is the flight cost.

While there are only 2 full-service domestic airlines in India that offer air-miles, the travel credit cards space has lot more choices thanks to few international airlines offering co-branded credit cards locally and few card issuers who allow conversion of reward points to air-miles of multiple airlines.

Of all the travel credit cards available in India, I have listed the best 5 cards below. For others, I have made a comparison table to indicate why they did not make the cut.

Air Vistara credit cards – Detailed comparison

SBI Club Vistara Prime

Air Vistara has recently launched two new co-branded credit cards in tie-up with SBI. The SBI Club Vistara Prime credit card and SBI Club Vistara credit card. Given that Air Vistara already has three credit cards in tie-up with Axis Bank. The Axis Bank Air Vistara Infinite credit card, Axis Bank Air Vistara Signature credit card and Axis Bank Air Vistara Platinum credit card. The launch of these new cards is an opportune time to compare and see which cards are best suited.

HDFC Diners Club credit cards – Review

HDFC Diners Club credit cards

It is a well-known fact that HDFC Diners Club offers the best rewards among all Indian credit cards. Their 10x program at present is unbeatable. Recently, HDFC launched a new credit card with Diners Club, the HDFC Diners Club Privilege. This card is a mix of Diners Club Black card and Diners Club Miles. Also, the bank has further enhanced the value proposition of its flagship, the HDFC Diners Club Black card.

Thus, this is an opportune time to compare all the Diners Club cards available here in India to see how they fare with each other.

Best super premium credit cards in India

HDFC Bank Infinia Credit Card

Banks offer a bouquet of credit cards suitable for a wide range of audiences, from entry level cards to super premium credit cards. Well, I did write about a few entry-level credit cards here, it’s now turn to look at the other extreme, the best super premium credit cards available in India.

Banks look to make their super premium credit cards an object of desire or a status symbol and as exclusive as possible. They start with making super premium credit cards available only to HNIs or select customers, high annual fee, high spending limit and exclusive or curated offers & experiences. Another common theme across all super premium credit cards is concierge service. While some concierge such as one from the Amex is way ahead of others, but nonetheless all banks will offer one.

Below is the list of top super premium credit cards available in India. I have ranked the credit cards based on reward points accrual based on a set template of annual spend. The template is spread over various categories, details in footnote.

Axis Flipkart – ICICI Amazon – HDFC Millennia cards comparison

With the launch of HDFC Millennia credit cards, all the top banks have launched cards targeting youth aka millennials. The target segment here is the customer base who tends to shop a lot more online on website such as Flipkart, Amazon, MMT, GoIbibo etc.  Thus, this makes it an apt time to compare the three cards i.e. Axis Flipkart, ICICI Amazon and HDFC Millennia card.

Comparison of Axis Flipkart, ICICI Amazon and HDFC Millennia cards

Axis Flipkart - ICICI Amazon - HDFC Millennia Credit Cards Comparison

Axis Flipkart – ICICI Amazon – HDFC Millennia cards Comparison

So which card is the best?