Get a credit card with multiple offers? Check out THESE versatile cards | Personal finance news

New Delhi: There are many credit card options available in the market, but finding the best all-round credit card that offers benefits in multiple categories can be tricky.

What is a multi-purpose credit card? Multi-purpose cards are credit cards that offer rewards in many categories such as shopping, dining, entertainment, travel, etc., through a single credit card. Using a card like this allows people to buy and save in different ways. There are many credit card options available in the market, but finding the best all-round credit card that offers benefits in multiple categories can be tricky. According to Paisabazaar’s research, here are some alternatives that might be ideal companions for you.

Axis Bank Ace credit card – This Axis bank card offers a 5% reward on all utility bill payments made through Google Pay. It also offers 4% cashback on Zomato, Ola, and Swiggy, as well as a flat 2% cashback on all other purchases. Along with rewards on purchases, the cardholder gets access to four nationwide lounges and up to 20% discount at over 400 partner restaurants across India throughout the year. For this card, cardholders have to pay an annual charge of Rs 499.

DigiSmart Standard Charter Credit Card – The card, which has an annual charge of Rs. 588, offers a 10% discount at Grofers and Zomato. However, you can only use this discount on five transactions per month. Cardholders get a 20% discount on Myntra. Once per quarter, Yatra offers a 20% discount on domestic air tickets and a 10% discount on international air tickets (up to Rs 10,000). Similarly, if you book hotels through Yatra, the card offers a 25% discount on domestic hotel bookings (up to Rs 4,000) for one transaction per quarter.

HDFC Regalia Credit Card – HDFC’s Regalia card offers its customers 4 reward points for every Rs 150 spent on retail purchases. Insurance, tuition, utilities and rent are all included. Cardholders can use their points to purchase hotel rooms, airline tickets, gifts, certificates and merchandise, among other things. It also has a 2% foreign currency markup fee. The HDFC Regalia credit card has an annual charge of Rs. 2,500.

HDFC Diners Club Privilege credit card – The HDFC Diners Club Privilege Credit Card, which has an annual charge of Rs. 2,500, provides customers with a free annual subscription to Amazon Prime, Times Prime, Big Basket, Zomato Pro and other services. It also gives you special discounts at top spas, salons, gyms, and health retreats. This card carries a surcharge of 1.99% in foreign currencies. It offers a fuel surcharge waiver of 1% on a minimum transaction of Rs 400, along with other incentives in various areas.

SBI Elite card – The annual charge for an SBI Card Elite is Rs. 5,000, and as a welcome electronic gift, it offers its members a coupon of Rs 5,000 from Bata, Pantaloons, Yatra, Shoppers Stop and other retailers. It also includes free Trident Privilege and Club Vistara membership. The SBI Card Elite has a foreign currency surcharge of 1.99%. It offers six complimentary international airport lounge passes and two complimentary domestic lounge passes, as well as 5X reward points at department stores, restaurants, and grocery stores, among others.

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