Best Credit Card Offers in India in 2023
Credit card offers are incentives offered to credit cardholders when they use the cards to make purchases. The offers may be in the form of shopping discounts, fuel cashback offers, coupons, dining discounts, air tickets, travel discounts, etc.
Credit card offers could also include discount coupons, cashback, reward points, etc. You can claim the rewards you accrue upon making payments using your credit card any time. This blog details some of the top credit card offers currently available in India.
Best Credit Card Offers in India in 2023
Here are some of the best credit card offers in India:
1) Best Credit Card Offers on Education
There are many credit cards that offer discounts and cashbacks on making payments related to education. This could be school fees, coaching fees, and expenses related to other courses.
| Credit Card | Offer |
| Standard Chartered | 2% cashback, upto INR 500 from Paytm for Education Fee Payment |
| HDFC Card | 6.66% on your education payments |
2) Best Credit Card Offers on Shopping
There are endless shopping offers with credit cards. From grocery, fuel and home needs, to splurging on makeup and apparel- credit cards provide you with offers on almost everything you shop for.
The offers could be discounts or even cash back. Furthermore, the shopping offers are not limited to in-store purchases, and you could also receive coupons and promo codes to apply on eCommerce websites to avail of discounts and incentives.
| Credit Card | Offer |
| Citi Bank | Amazon: 10% instant saving |
| Axis Bank | Spykar: Flat 10% off |
| Kotak Bank | Chai Point: Get free a chai on a bill amount of Rs 250 |
| HDFC Bank | Bata: 7.5% Cashback up to Rs 1,000 |
| Axis Bank | Flatheads sneakers: Flat 20% off |
Also Read: 8 Best Credit Cards for Domestic and International Airport Lounge Access
3) Best Credit Card Offers on Dining
Credit cards are a boon for foodies. Those who love and enjoy carefully curated gastronomic adventures can largely benefit from credit cards to support their culinary explorations.
From massive discounts to admirable cashback offers, you can have twice the fun using credit cards. Also, you can use credit cards on different food delivery applications and platforms to avail yourself of discounts and offers on food delivered to your doorstep.
| Credit Card | Offer |
| ICICI Bank | Zomato: 20% off on orders above Rs 400 |
| ICICI Bank | Swiggy: 20% off on orders over Rs 400 |
| Kotak Bank | Chai Point: Get free a chai on a bill amount of Rs 250 |
| Citi Bank | Zomato: 50% instant savings |
4) Best Credit Card Offers on Travel
Credit cards have made travel affordable for the masses, thanks to massive discounts, rewards, and offers.
Credit cards offer you discounts on booking flight tickets, making train and hotel reservations, booking cabs, and much more. You can also avail discounted rates, cashback offers, and complimentary services on international and domestic holidays, making them extremely affordable.
Also, the added benefit of owning a credit card, you get free lounge access at domestic and international airports. Many credit cards also offer air miles that you can use to buy flight tickets while some credit cards may also offer complimentary flight or hotel upgrades.
| Credit Card | Offer |
| Citi Bank | Delhi Duty-Free: Up to 15% cashback |
| SBI | MakeMyTrip: Up to 10% discount on domestic flights and 20% discount on domestic hotel bookings |
| Axis Bank | Zoomcar: 20% Instant off + 10% Cashback in the form of Zoom credits |
| ICICI Bank | MakeMyTrip: Rs. 500 Cashback on Domestic Flight bookings |
| Citi Bank | Paytm Flights: Flat 12% savings up to Rs 1200 |
5) Best Credit Card Offers on Entertainment
Boredom is forgotten when you own a credit card. Credit cards offer you discounts on several entertainment activities like movie tickets, match tickets, concert tickets, exhibition tickets, carnival entries, adventure parks, etc.
They allow you to attend shows and events at affordable prices through their different offers and incentives. Credit cards might also let you bump yourself into golden or privileged class tickets as incentives.
| Credit Card | Offer |
| Citi Bank | Gaana: Get 3 months subscription for Rs. 1 |
| HDFC Bank | BookMyShow.com: 25% off on all movie tickets |
| Kotak Bank | Eros Now: 15% off on annual subscription |
6) Best Credit Card Offers on Grocery Spends
Make your everyday expenses cheaper using discounts and offers provided by credit cards. Credit cardholders are entitled to privileges while purchasing groceries on several platforms and stores across the country.
Even simple necessities like vegetables and fruits are available at discounted rates while using a credit card. Certain cards provide discounts on liquors and wines as well.
The offers and discounts are not limited to physical stores. You can use credit cards on various online marketplaces, such as Big Basket, Amazon Daily, etc.
| Credit Card | Offer |
| Axis Bank | 5% cashback on grocery spends at supermarkets |
| Citi Bank | 0.5% cashback on grocery and departmental store spends |
| Kotak Bank | 10 savings points per every ₹100 spent on grocery and departmental stores |
7) Best Credit Card Offers on Health & Wellness
The health and wellness benefits are one of the most significant benefits offered to credit card holders.
The cardholder can get discounts and offers on gym memberships in addition to free consultations with nutritionists, mental health professionals, etc. There are also several offers on medical services, paying insurance premiums, and purchasing medicines.
General health check-ups, workout sessions, dietitian consultations, etc., are some premium incentives that some credit card companies may offer to their customers. Some credit cards also offer discounts on therapy, yoga, and massages.
| Credit Card | Offer |
| HDFC Bank | Himalaya: 20% off on minimum of Rs. 700 |
| HDFC Bank | PharmEasy: Rs. 150 off on min. transaction of Rs. 1500 |
8) Best Credit Card Offers on Electronics
Getting your hands on the best electronics in the market is now affordable and easy through credit cards. You can avail of discounts via one-time payments and EMI options on electronics.
Credit cards offer you discounts on both offline and online stores- from phones, earphones, headsets, laptops to household appliances like refrigerators, washing machines, air conditioners, etc.
Credit cards offer you discounts on specific brands as well. It gives you the freedom to buy any product from the brand of your choice. Credit cards also help you get a low interest rate using EMI options as an incentive for using the card to make the purchase.
| Credit Card | Offer |
| Citi Bank | LG: up to 22.5% savings on EMI |
| Axis Bank | Samsung: Up to 25% off |
| Axis Bank | Central Store: 10% discount |
| Kotak Bank | Oppo: 10% cashback up to Rs 4000 |
| Citi Bank | Croma: 5% savings on non-EMI transactions and 7.5% savings on EMI transactions |
Also Read: Credit Cards: Types, Features, Benefits And Fees Explained
Final word
Credit cards offer you several discounts to help you minimize costs and indulge in luxury at prices within your affordability. They also provide incentives for everything from lifestyle options to health and wellness.
FAQs
Ans. Credit cards offer you incentives in all forms. Sometimes they even offer complimentary services. These services could be for education, lifestyle, travel, health and wellness, electronics, grocery, entertainment, dining, cosmetics, etc.
Ans. Yes, they do. Many credit cards offer discounts on making school/college, or any course fee payment using the credit card.
Ans. Many credit cards offer free lounge access for domestic and international lounges in most airports. HDFC Visa Signature Card, ICICI Sapphiro Card, Yatra SBI Card, etc are some of the most popular cards that provide unlimited lounge benefits for both domestic and international travels.
Ans. Yes, credit cards provide both physical store and online platform offers. Using credit cards might grant you additional discounts, cashback offers, and free incentives on making a purchase. Today, almost every eCommerce website has the option to make payments using credit cards and UPI. This trend of using credit cards for online shopping is increasing.
Ans. There is no minimum requirement to own a credit card. All you must do is fill out an application for a credit card and submit it along with the necessary proofs and supporting documents and wait for approval of the card. The documents are used for verification purposes.
Disclaimer
This article is solely for educational purposes. Navi doesn't take any responsibility for the information or claims made in the blog.
