The credit card has become a necessity in today’s time as everyone wants to use it at least once. Every bank promises to give some services to your credit card; however, with these services, they also take many charges that might upset you. Also, every credit card offers different kinds of benefits in the form of cash-back, rewards, vouchers, discounts, etc. It is essential to choose a card according to your spending style in such a situation. This article will tell you about the five best credit cards in 2022, with every detail from the annual fee to the services it provides. In this way, you would not have to pay any extra charges, and also you can choose the best credit card according to your needs.
Top 5 Credit Cards
Axis Bank Ace Credit Card
Axis Bank Ace Credit Card is one of the best credit cards with several benefits. Cardholders will have to pay an annual fee of Rs. 499 for this card. This card offers cash-back on all utility bill payments made through Google Pay and provides cash-back on making payments to Zomato, Ola, and Swiggy. Apart from cash-back on spending, the cardholder also gets up to 20% off at four domestic lounges and 400+ partner restaurants throughout India.
HSBC Cash-back Credit Card
You can get the HSBC Cash-back Credit Card for an annual fee of Rs 750. This is the best credit card for earning cash-back on your spending. Using this credit card will give 1.5% cash-back on every online spend and 1% cash-back on all other spending. Apart from this, the card also provides 3 Complimentary airport lounge access at domestic and international lounges.
HDFC Regalia Credit Card
The annual fee for HDFC Regalia Credit Card is Rs. 2,500. HDFC’s Regalia card gives its customers four reward points for every Rs. 150 spent on every retail transaction made by them. Cardholders can redeem these points on hotel bookings, flight tickets, gifts, vouchers, products, etc. This is the best credit card for getting travel discounts and offers.
SBI Card Elite
SBI Card Elite credit card is the best credit card for getting welcome gifts. It provides vouchers worth Rs. 5,000 to its users from Pantaloons, Yatra, Bata, Shoppers Stop, and others as a welcome gift. It also offers complimentary Trident Privilege and Club Vistara membership. It also provides six complimentary airport lounge access domestically and two complimentary lounge access internationally, and up to 5X reward points at department stores, dining, grocery, and more. The annual payment for SBI Card Elite is Rs. 5,000.
Standard Chartered Platinum Rewards Credit Card
This card comes with an annual fee of Rs. 250, and it is the best credit card for getting amazing rewards on your spending. The Standard Chartered Platinum Rewards Credit Card Cardholder can get five times reward points for every Rs. 150 he would spend on fuel and fine-dining outlets and one reward point for every Rs. 150 spent in other categories.
Conclusion
Many credit card options are available in the market, so it is a daunting task to find the best credit card that offers you benefits across multiple categories. But with the credit cards mentioned above, you don’t have to worry about anything. According to us, the cards cited above are some of the best credit cards that can help you avail yourself of benefits across numerous categories. These categories include shopping, entertainment, travelling, dining, and more. So, by going through this article, you can choose the card that will benefit you the most as per your preferred category.
