How to Choose the Best Credit Card for Your Needs in 2024

By Sagar
8 Min Read

In the modern era in which we live today, credit cards are proving to be very useful. They give us the freedom to buy things without using cash and also help in providing various benefits. Some credit cards are better than others in 2024. We will give you information about the same throughout this article so stay tuned till the end.

Best Credit Cards 2024

Different people want different things from a credit card. So choose the credit card that is good for you because some credit cards help you save money when you pay bills online and some credit cards also provide good facilities. But other credit cards do not do this.  

IDFC First Millennia Credit Card

Best Credit Card for Your Needs in 2024
IDFC First Millennia Credit Card

The name of our first credit card is- IDFC First Millennia Credit Card which is a lifetime-free credit card. This credit card offers unlimited reward points, low interest rates, interest-free cash withdrawals and various discounts and offers on online shopping and travel. If you spend ₹15,000 in the first 90 days after receiving this card, you will receive some vouchers. The best thing about this card is that unlike other credit cards, its reward points never expire.

Another feature of this card is that, while other cards charge 36- 40% interest on delayed payment, IDFC First Millennia Credit Card charges only 9- 15%. The eligibility criteria for this credit card is that your minimum monthly salary should be ₹ 20,000 and your credit score should be at least 700.

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SBI Platinum Card for IRCTC

Best Credit Card for Your Needs in 2024
SBI Platinum Card for IRCTC

The name of our second card is SBI Platinum Card for IRCTC. This card offers special benefits on railway ticket booking. This credit card gives you 4- 10% reward on SBI Platinum Card for IRCTC bookings depending on the year you travel. Additionally, this card offers ₹350 activation bonus along with ₹0.80 cashback on remaining spends. The one-time annual fee for this card is Rs. 500 and renewal fee Rs. 300 per year. This is a good beginner card for all those who travel a lot by train.

SBI Platinum Card for IRCTC

Kotak Indigo XL Credit Card

The Kotak Indigo XL Credit Card gives you benefits when you travel with IndiGo Airlines. With this card you can earn reward points on your spends and also this card entitles you to priority check-in, complimentary seats etc. The important thing for you is that you should apply for this credit card only if you spend a minimum of Rs 50,000- 75,000 annually on domestic flights. Because for this card you will also have to pay an annual fee.

ICICI HPCL Super Saver Credit Card

ICICI Bank HPCL Super Saver Credit Card is offered by ICICI Bank in partnership with Hindustan Petroleum Corporation Limited (HPCL). If you use this card to refuel at HP gas stations, you will receive a rebate of 6.5%. Apart from this, you can also get 5% cashback on other utility and grocery purchases. One drawback of this card is that the cashback on ICICI HPCL Super Saver Credit Card is only ₹500 per month. Additionally with this card, you can also get 25% cashback at BookMyShow.

Overall this card helps you manage costs by offering cashback on fuel, utility and grocery expenses.

HDFC Regalia Card

HDFC Regalia Credit Card
HDFC Regalia Credit Card

HDFC Regalia Credit Card is one of the best credit cards of 2024. If you earn a lot of money every year. This HDFC Regalia card gives you many benefits, if you use this card well then you will not have to pay anything for it.

But its one drawback is that only people who earn more money can use this card, due to which not many people are able to get this card. It starts with HDFC First Regalia First for one to two years and gradually upgrades to Regalia.

HDFC Millennia Card

HDFC Millennia Credit Card is a cashback credit card that offers the best cashback benefits on your online and offline spending. You can use it to get 5% cashback on big companies like Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.

With its help you can get 1% cashback on all other expenses (except fuel) including EMIs and wallet transactions. You can apply for this credit card HDFC Millennia online or visit your nearest HDFC Bank branch.

HDFC Infinia Card

The special thing about HDFC Infinia Credit Card is that it has no spending limit and it also gives you access to many airport lounges, hotels, golf courses and dining options across the world at free or discounted rates. It is a bit difficult to get this HDFC Infinia Card Loan as it is available only on invitation from the bank. This card is specially designed for people who have high income and premium lifestyle.

Amazon ICICI Pay Credit Card

Amazon Pay ICICI Bank Credit Card charges no annual or joining fee which lets you earn cashback on your purchases on and other participating merchants. To apply for this card, you need to sign in to your Amazon account and follow the steps. You will get a digital card immediately and a physical card will be delivered to you later.

HSBC Smart Value Card

HSBC Smart Value Credit Card offers you some benefits like cashback, rewards, installment plans and zero annual fee. If you are looking for a good credit card then this can prove to be a good credit card for you. Through this card you can earn 1 reward point for every Rs 1 spent plus annual fee waiver on spending above Rs 50,000 and 3X instant reward points across dining and telecom categories.


Credit cards allow you to buy things without using cash. Different credit cards have different benefits. We have given information about which credit card will be best for you in 2024 in this entire article. We hope that you liked our article a lot. Thanks for staying with this article till the end.

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