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Best Indian credit cards that give you maximum benefits

by Kulwinder
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Bajaj Finserv RBL Bank SuperCard

The Bajaj Finserv RBL Bank SuperCard is a well-recognized credit card in the Indian market. They are termed ‘SuperCards’ because they offer the benefits of four cards all rolled into one. Rather than having to invest in separate cards to fulfill your various credit card needs, this card’s variants take care of everything you need.

It comprises the power of a credit card (for online and offline transactions); a cash card (for withdrawal of interest-free cash from automated teller machines for the first 50 days); an EMI card (for conversion of your transactions into affordable EMIs); and a loan card (for interest-free loans against an unutilized cash limit for 90 days). Below, we discuss the most appealing benefits that come with the best credit cards in India.

Bajaj Finserv RBL Bank Platinum Choice SuperCard

A warm welcome is extended to holders of this credit card in the form of a 2,000 reward point bonus. In general, the reward point structure is built in such a way that the cardholder receives 1 reward point for every Rs. 100 spent, and two times this reward structure for all online payments, which proves how easy it is to gain reward points over a short period of time.

You can also earn 5,000 reward points if your annual expenses using this card exceeds Rs. 75,000. If, however, you only manage to exceed spending beyond Rs. 30,000 within a year, you can get your second-year annual fee of Rs. 499 reversed back to you. Additionally, you can also make use of interest-free cash withdrawals for up to 50 days in emergency situations.

Bajaj Finserv RBL Bank Platinum Plus SuperCard

With a complimentary airport lounge pass for up to two times a year and a fuel surcharge waiver facility of up to Rs. 100 per month, this card has the benefits of a corporate credit card integrated within it. This corporate credit card facility is paired with standard credit card attributes such as its buy one, get one free movie ticket provision twice every month.

This makes it a good investment for small business owners. It is also a convenient card to carry around with its tap and pay system for spends up to Rs. 5,000 at one time. A 4,000 reward point bonus is provided to every customer who uses this card. Finally, your purchases can be converted into affordable EMIs (a feature soon to be implemented).

Bajaj Finserv RBL Bank World Prime SuperCard

Building on the features the other credit cards on this list possess, this SuperCard comes with an additional 24/7 concierge service feature. You can also avail of an emergency advance with this card for 90 days at a nominal interest rate of just 1.16% per month (and no processing fee).

Its contactless tap and pay system provides you with an additional degree of safety, as your card does not have to leave your palm. You also get to save up to Rs. 22,000 with this credit card.

Additionally, you will easily procure 10,000 reward points on yearly transactions of Rs. 150,000, which is paired with a supplementary 10,000 reward point bonus on yearly transactions that exceed Rs. 350,000.

Bajaj Finserv RBL Bank Freedom SuperCard

As the name of the credit card suggests, this card provides you with features that push standard credit card attribute restrictions. With this card, you are given a 5% cashback on a down payment you make at any Bajaj Finserv partner store.

It also comes with a three-tier reward system that includes the provision of 1 reward point for every Rs. 100 spent by you, 2 times the reward points on every online transaction made (with certain transaction exclusions), and additional reward points with every Bajaj Finserv partner store product you purchase.

Additionally, you can visit your loved ones who live in different states in India comfortably, with four complimentary domestic airport lounge passes per year. Finally, its most alluring attribute is its provision of a 100% credit limit on all fixed deposit investments.

Bajaj Finserv RBL Bank Platinum ShopDaily SuperCard

This card is ideal for the average consumer who spends more on groceries than other luxuries. With this card, you can acquire a 5% cashback on your grocery spends (up to Rs. 250 per month). You can also avail a gift voucher of Rs. 500 with transactions that are equal to Rs. 2,000 (which should be made during your first month with this card).

Adding to the convenience you experience as a cardholder, this credit card is aided by an EMI conversion facility that requires no paperwork for transactions above Rs. 3,000.

The Bajaj Finserv RBL Bank SuperCard variants each come with myriads of benefits that make them stand out in comparison to each other. The best credit cards, with respect to their benefits, have been discussed above, alongside a brief description of what they have to offer to the cardholders. These cards also provide the maximum benefits to the cardholders, depending on their spending habits and patterns.

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