Best Credit Card In Kerala-2024

In Kerala, navigating the credit card market to select the card that best fits your needs demands concentration. From the regular train traveler to the luxury seeker, Kerala's varied financial industry provides customized credit card alternatives. A special bonus like access to railway lounges makes the SBI Platinum Card for IRCTC, for example, perfect for individuals who frequently travel by train. Conversely, the HDFC Bank Diners Club Black Credit Card serves people who want upscale, private experiences that are accepted everywhere and come with lavish perks.?

You can make a more informed choice if you are aware of the specific regional variations in Kerala's market, such as the inclination for cards with minimal fees or useful benefits. By choosing a credit card that fits your spending patterns, you can increase your purchasing power and obtain a range of customized benefits that enhance your Keralan way of life.

Top 10 Best Credit Cards in Kerala?

1. SBI Platinum Card for IRCTC
2. HDFC Bank Diners Club Black Credit Card
3. ICICI Bank Sapphiro Credit Card
4. SBI Card ELITE Credit Card
5. Axis Bank Magnus Credit Card
6. SBI Card PRIME
7. IDFC FIRST Select Credit Card
8. Bank of Baroda Premier Credit Card
9. Tata Neu Infinity HDFC Bank Credit Card
10. IDFC Wow Credit Card

1. SBI Platinum Card for IRCTC

The SBI Platinum Card for IRCTC is perfect for frequent train travelers who want to save on their journeys and enjoy additional benefits. It offers special discounts on train tickets, complimentary railway lounge access, and rewards points for various purchases. This card is a fantastic option for people who frequently take trains and want to maximize their spending by accruing rewards and taking advantage of special benefits.

• Joining Fee: ?500 + Taxes (One Time)
• Renewal Fee: ?300
• Best Suited For: Train travel enthusiasts
• Welcome Benefits: Get a 350 activation bonus points on the first transaction of ?500 or more within 45 days of card issuance.

2. HDFC Bank Diners Club Black Credit Card

A distinguished choice for people who appreciate exclusivity and elegance is the HDFC Bank Diners Club Black Credit Card. This card offers access to premium services, making it ideal for frequent travelers and those who enjoy high-end experiences. It comes with extensive global acceptance, offering complimentary memberships, golf privileges, and substantial reward points. The card is a metal edition, enhancing its appeal to discerning customers. Designed for individuals with high spending capacity, the HDFC Bank Diners Club Black Credit Card provides unmatched benefits across travel, dining, and lifestyle categories, making it a top-tier choice for affluent customers who seek premium experiences and substantial rewards for their expenditures.

• Joining Fee: ?10,000 + GST
• Renewal Fee: ?10,000 + GST
• Best Suited For: Frequent travelers and global citizens
• Welcome Benefits: Complimentary annual memberships to Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK.

3. ICICI Bank Sapphiro Credit Card

Designed for people who value finer things in life, the ICICI Bank Sapphiro Credit Card is a perfect balance of luxury and functionality. This card offers a number of advantages, including free access to airport lounges, golf privileges, and an extensive rewards program. It offers great value through rewards and special deals, catering to people who love dining out and leisure activities and travel frequently. Customers looking for benefits for both domestic and international travel will find what they need with this card. The ICICI Bank Sapphiro Credit Card is a great option for people looking for a high-end credit card experience because of its alluring features and benefits.

• Joining Fee: ?6,500 + GST
• Renewal Fee: ?3,500 + GST
• Best Suited For: Travelers and luxury seekers
• Welcome Benefits: Receive welcome vouchers worth ? 9,000+ within 45 days of payment of joining fees.

4. SBI Card ELITE Credit Card

The SBI Card ELITE Credit Card is a premium offering from SBI, catering to customers who desire exclusive privileges and luxury benefits. This card is available in multiple variants, each providing unique perks like Club Vistara and Trident Privilege memberships. It's particularly suited for individuals who frequently travel, both domestically and internationally, offering complimentary airport lounge visits and significant reward points on various spending categories. For individuals who value both travel and leisure, the card is a flexible option because it also comes with appealing movie ticket incentives. With its comprehensive benefits, the SBI Card ELITE stands out as a top-tier option for premium credit card users.

• Joining Fee: ?4,999 + Taxes
• Renewal Fee: ?4,999 + Taxes
• Best Suited For: Frequent travelers and luxury seekers
• Welcome Benefits: Receive e-voucher worth Rs 5000

5. Axis Bank Magnus Credit Card

Those looking for a high-end lifestyle with plenty of perks can apply for the Axis Bank Magnus Credit Card. This high-end credit card offers unlimited complimentary airport lounge visits and discounts at premium hotels and restaurants, making it perfect for frequent travelers and those who enjoy fine dining. It also includes a range of insurance benefits, enhancing its value proposition. The card's high joining and renewal fees reflect its premium status, targeting customers who prioritize luxury and exclusive access. With its broad array of perks across travel, dining, and wellness, the Axis Bank Magnus Credit Card is ideal for those who want a comprehensive and luxurious credit card experience.

• Joining Fee: ?12,500 + GST
• Renewal Fee: ?12,500 + Taxes
• Best Suited For: Luxury seekers and frequent travelers
• Welcome Benefits: Choice given for voucher worth INR 12,500

6. SBI Card PRIME

The SBI Card PRIME Credit Card is a versatile and budget-friendly option for individuals seeking a card with multiple benefits across various categories. It offers milestone and birthday benefits, along with complimentary memberships to premium clubs like Club Vistara and Trident Privilege. With access to both domestic and international airport lounges, the card is especially well-suited for frequent travelers. Additionally, it includes significant rewards and cashback offers on dining, grocery shopping, and other daily expenses. With its affordable fees and extensive perks, the SBI Card PRIME Credit Card is an excellent choice for customers looking for a well-rounded credit card with valuable benefits.

• Joining Fee: ?2,999
• Renewal Fee: ?2,999
• Best Suited For: Budget-conscious travelers and shoppers
• Welcome Benefits: ?3,000 e-gift voucher from brands like Bata, Pantaloons, and more.

7. IDFC FIRST Select Credit Card

The IDFC FIRST Select Credit Card is a lifetime-free credit card that offers extensive benefits across travel, dining, and lifestyle categories. It's an ideal choice for customers looking for a no-annual-fee card with significant perks, including airport lounge access and discounts on global travel services. The card also provides comprehensive insurance coverage, making it a secure option for frequent travelers. With its low forex markup and personalized concierge services, the IDFC FIRST Select Credit Card stands out as a highly attractive option for those who want premium services without the burden of annual fees. It's perfect for users seeking value and convenience.

• Joining Fee: Nil
• Renewal Fee: Nil
• Best Suited For: Budget-conscious travelers and shoppers
• Welcome Benefits: Two complimentary domestic airport lounge visits per quarter.

8. Bank of Baroda Premier Credit Card

Customers looking for a credit card that strikes a mix between affordability and worthwhile perks should choose the Bank of Baroda Premier Credit Card. Numerous benefits, like travel, dining, and shopping rewards, are available with this card. For those who wish to get the most out of their benefits without paying a lot of money, it's ideal. Travelers may find the card appealing because it also offers free access to airport lounges. The Bank of Baroda Premier Credit Card is a sensible option for consumers searching for a reliable and reasonably priced credit card with several advantages, since it places a strong emphasis on providing value through rewards and fee waivers.

• Joining Fee: ?1,000 + Taxes
• Renewal Fee: ?1,000 + Taxes
• Best Suited For: Budget-conscious travelers and shoppers
• Welcome Benefits: Spend ?5,000 or more within 60 days of the card's issue to earn 500 additional reward points.

9. Tata Neu Infinity HDFC Bank Credit Card

The Tata Neu Infinity HDFC Bank Credit Card is a rewarding option for those who frequently shop with Tata brands. It offers significant cashback in the form of NeuCoins, which can be redeemed on the Tata Neu platform and partner brands like Croma, Titan, and Tanishq. The card is tailored for customers who value rewards on their shopping and travel spends. Additionally, it includes perks such as airport lounge access, making it suitable for frequent travelers. With a reasonable joining and renewal fee, this credit card is a compelling choice for individuals who regularly engage with Tata’s extensive range of products and services.

• Joining Fee: ?1,499 + Taxes
• Renewal Fee: ?1,499 + Taxes
• Best Suited For: Frequent shoppers at Tata brands
• Welcome Benefits: 1,499 NeuCoins (as a reimbursement for the first year's dues)

10. IDFC Wow Credit Card

For people who may have no credit history or low credit scores, the IDFC Wow Credit Card is a high-end secured credit option. With no need for proof of income, this card offers high credit limits of up to 100% of your fixed deposit. On the linked fixed deposit account, it offers an attractive interest rate of 7.50%. Rewards from over 300 partner businesses, up to a 20% discount at over 1,500 partner restaurants, and 4X rewards on every transaction are just a few of the many advantages that come with the IDFC Wow Credit Card. It is an appealing option for individuals looking for a secured credit card with significant benefits, such as a 1% fuel fee waiver, free roadside assistance, and significant insurance coverage for personal accidents and lost card damage.

• Joining Fee: ?199 + GST
• Renewal Fee: ?199 + GST (Second year onwards)
• Best Suited For: People with low credit scores or no credit history
• Welcome Benefits: 5% cashback on the first EMI made within 30 days of the card's creation, up to ?1000.

How Should a Credit Card Be Selected?

With so many alternatives available, selecting the best credit card can be difficult. A number of crucial aspects that fit your lifestyle and financial requirements should be taken into account in order to make an informed choice. The following steps will help you choose the best credit card for you:

• Identify Your Needs
• Compare Credit Cards
• Consider Fees & Charges
• Evaluate Additional Perks

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How to Earn Reward Points

Earning reward points with your credit card is a great way to make the most out of your spending. Each bank offers different methods to accumulate these points, depending on the type of card you have. Here are some common ways to earn reward points:

• Welcome Bonus: Many banks offer an attractive welcome bonus when you first sign up for a credit card. Depending on the card, you can receive thousands of reward points just for activating your card. Additional points may be awarded for reaching a specific spending threshold within the first 60-90 days.
• Regular Spending: Most banks provide a fixed number of reward points for every INR 100 spent using your credit card. The points can range from 1 to 10 or even more, depending on whether your card is basic or premium.
• Accelerated Points: Some cards offer extra points when you spend on specific categories like dining, travel, or shopping at partner stores. This is especially beneficial if you frequently use your card for these types of purchases.
• International Spending: Certain credit cards give you bonus points for spending in foreign countries, making them ideal for travelers.
• Loyalty Points: Banks often reward long-term customers with loyalty points, which are usually added when you renew your card.

How to Claim Reward Points

Depending on your bank, there are a few different ways to redeem your reward points, but it's all really easy. The most popular methods to claim your points are as follows:

• Online Banking: The easiest way to redeem your points is through online banking. Link your credit card to your bank account, and you'll be able to view your rewards summary and redeem points through the bank’s portal. You can browse through the rewards catalog, choose a gift, and place an order for the item to be delivered to your address.
• Customer Care: If you prefer not to use online banking, you can redeem your points by contacting the bank’s customer care. Provide your credit card details and follow the verification process.?
• Partner Stores: Many banks have partnerships with retail and online stores where you can directly use your reward points for purchases. Simply shop at these stores and pay using your accumulated points.
• Gift Vouchers: Some banks allow you to convert your points into gift vouchers, which can be used at various retailers.
• Direct Statement Credit: Certain cards let you redeem your points as a direct credit to your account, reducing your outstanding balance.

Conclusion?

Finding the ideal credit card in Kerala isn't just about choosing any old card; it's also about choosing one that fits your budget and improves your daily life. Whether you want to use the SBI Platinum Card for IRCTC to save money on train travel or the HDFC Bank Diners Club Black Credit Card to enjoy first-rate international experiences, Kerala offers a variety of options to suit your interests.

Every card provides a unique set of advantages that are tailored to meet the specific needs of Keralans. You may select a credit card that saves you money and offers valuable benefits that improve your lifestyle by assessing your spending patterns and contrasting the features offered by each card. In Kerala, having the appropriate credit card is more than just managing your money; it's also the key to a number of customized advantages that fit into your daily routine.

FAQs

Q1. How may I use a credit card in Kerala to maximize my savings?

Ans: To guarantee you get the best deal, choose a credit card that gives rewards or cashback in areas where you regularly spend money, such as eating or traveling.

Q2. Are there any credit cards that are particularly advantageous for Keralans who take trains frequently?

Ans: Yes, the SBI Platinum Card for IRCTC is designed specifically for regular train users, providing free access to railway lounges and ticket discounts.

Q3. Is it possible to obtain a credit card without an annual charge in Kerala?

Ans: Yes, the IDFC FIRST Select Credit Card is a lifetime free card that doesn't require a joining or renewal fee. It comes with benefits including access to airport lounges and travel and dining savings.