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Find out how paying with your credit cards can be a rewarding experience this festive season, with the HDFC Bank, ICICI Bank, SBI, Amazon, Flipkart etc. pitching in with cashbacks and the like.
This festive season, you can shop till you drop and come out a winner — provided you are a canny credit card user. Companies like HDFC Bank, ICICI Bank, SBI and Axis Bank are in the race to offer rewards to buyers of anything from movie tickets to home appliances, clothes and much else. Multiple brands, merchants like Amazon and Flipkart, and finance companies are tying up to shower consumers with deals, discounts, and cashbacks.
Users can enjoy several offers and deals on various lifestyle categories. For example, travel cards often provide discounts on dining and accommodation. This can help you beat the festive rush and even wipe away the high-season premium. The discounts and rewards can also be an incentive to opt for an upgrade without stretching your budget much, said Pankaj Bansal, CBO, BankBazaar.com while talking to CNBC-TV18.com.
“Shopping and cashback cards, on the other hand, will give you bigger discounts and rewards while shopping online and offline for consumer durables, clothes, etc. Lifestyle cards offer discounts on dining, making celebrations more enjoyable. They also offer discounts on other lifestyle expenses such as subscriptions of different kinds, which often make good festive gifts. All this makes celebrations easier on your pocket,” Bansal said.
Here are 5 credit cards that you can look out this festive season:
Axis Bank ACE credit card
Additionally, it provides up to four complimentary accesses to domestic airport lounges in a calendar year, 1 percent fuel surcharge waiver and 20 percent discount on dining bills.
(Source: Paisabazaar)
Who should use it?
SBI Card Elite
This card offers e-gift voucher of Rs 5,000 on payment of the annual fees and free movie tickets worth Rs 6,000 every year. Also, cardholders can earn up to
50,000 bonus reward points.
Users can choose vouchers from any of these brands — Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop. The card also offers Club Vistara and Trident Privilege Membership.
(Source: Bankbazaar)
Who should use?
This card is best for those looking for some bonus reward points and regulars with shopping and watching movies.
Flipkart Axis Bank credit card
(Source: Paisabazaar)
Who should use?
Those who are frequent with online shopping and is looking to do the same this festive season may use it
Amazon Pay ICICI credit card
This is a co-branded card that offers cashback to frequent shoppers at Amazon, no-cost EMI and more. Amazon Prime users get more privileges than non-Prime members.
Who should use?
According to Paisabazaar, this card is a good option for those who mainly use Amazon online shopping and are planning to do the same this festive season as they can receive a decent cashback.
On top of that, customers who want to make big-ticket purchases can use the no-cost EMIs to pay off the sum in easy instalments.
HDFC Regalia Credit Card
This card offers a cashback of up to 5 percent on apps such as Myntra, Flipkart, TataCliq and Amazon. Additionally, cardholders can enjoy complimentary access to domestic airport lounges.
Using HDFC Regalia Credit Card, customers can earn up to 10,000 bonus reward points on achieving the spending milestone.
Who should use?
(Edited by : Shoma Bhattacharjee)
First Published: IST
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