Credit Cards to Watch in 2024: The Elite Selection

Credit cards are a convenient and rewarding way to pay for your purchases, but choosing the right one can be tricky. There are hundreds of credit cards available in the market, each with its own features, benefits and drawbacks. To help you find the best credit card for your needs, we have compiled a list of the elite selection of credit cards to watch in 2024. These are the cards that offer the most value, perk and rewards for different types of spenders and lifestyles.

Here are the credit cards to watch in 2024: The Elite Selection

Upto Rs 400 Off on Orders Above Rs 2000 on Ajio Rs 100 Off on purchase of Food & Beverage on Orders Above Rs 350 on PVR Additional 15% Off on Lifestyle on Orders Above Rs 1999 Get Upto Rs 1000 Off on Flight & Hotel bookings on EaseMyTrip Get 15% discount (upto Rs 500) on Orders Above Rs 1500 on EazyDiner ELIGIBILITY CRITERIA Income group: Rs 80,000 for Salaried and Rs 1,00,000 for Self-Employed Age group: 21-65 years Credit Score: 650+ No Delayed Payments in the last 12 months Existing Home or Auto Loan Existing active credit card with a limit of more than Rs 50,000 of any bank DOCUMENTS NEEDED No physicals documents required Keep your Aadhaar and PAN number handy FEES & LIST OF ALL CHARGES Lifetime Free Card Joining Fees: Nil Annual Fees: Nil Annual Fee Waiver: Not applicable

Shop, Dine and More with Axis Myzone Credit Card Flat Rs 120 Off on Swiggy + Free Movie Tickets + Complimentary Lounge Access & More Earn Flat Rs 1960 Profit on Successful Card Disbursal ELIGIBILITY CRITERIA Employment status: Salaried or Self-Employed Income: Rs 15,000 per month (Salaried), Rs 30,000 per month (self-employed) Required Age: 21-65 years

ELIGIBILITY CRITERIA Employment status: Salaried or Self-Employed Income: 9 Lakhs or above (Form -16 or salary Slip required) for Salaried 12 lakhs or above required in case of Self-employed Required Age: 21-65 years Credit Score: 650+ New to Credit: Not Allowed No Delayed Payments in last 12 months FEES AND LIST OF CHARGES Joining Fees: Rs 5000 + GST Annual Fees: Rs 5000 + GST Interest rate: 3.6% per month Cash Withdrawal charges: 2.5% (Min Rs 500) Card Replacement charges: Nil

100% Cashback upto Rs 250 on all fuel spends within first 30 days of card issuance 10% instant discount on movie tickets booked via BookMyShow website Enjoy upto 15% Discount on partner Restaurants You Earn Flat Rs 1960 Profit on Successful Card disbursal ELIGIBILITY CRITERIA Employment status: Salaried or Self-Employed Income: Rs 15,000 per month (Salaried), Rs 30,000 per month (self-employed) Required Age: 21-65 years Available across major cities in India FEES AND LIST OF CHARGES Joining Fees: Rs 500 (excluding GST) Annual Fees: Rs 500 (excluding GST) Annual fees waiver: Rs 50,000 spends in one calendar year Interest rate: 3.6% per month Cash Withdrawal charges: 2.5% (Min Rs 500)

Complimentary Club Vistara Gold membership Upto 4 free Business Class domestic tickets on milestone spends 2 free lounge visits per quarter at select domestic airports & Much More! You Earn Flat Rs 2800 Profit on Successful Card Disbursal ELIGIBILITY CRITERIA Employment status: Salaried or Self-Employed Income: Rs 50,000 per month (Salaried), Rs 60,000 per month (self-employed) Required Age: 21-65 years

5X EDGE REWARDS on travel spends via TRAVEL EDGE Complimentary Economy class flight ticket across any domestic location or a Luxe Gift Card or PostCard Hotels gift voucher worth Upto Rs 12,500 on card activation Airport Concierge Service, 8 complementary VIP assistance service in a year Buy 1 Get 1 movie/non movie ticket (up to Rs 500) on BookMyShow, 5 times a month & Much More! You Earn Flat Rs 2800 Profit on Successful Card Disbursal ELIGIBILITY CRITERIA Minimum Income: Rs 18 Lakhs per annum Required Age: 21-65 years Available across major cities in India

Complimentary Club Vistara silver membership Upto 4 free Premium Economy domestic tickets on milestone spends 2 free lounge visits per quarter at select domestic airports & Much More! You Earn Flat Rs 1960 Profit on Successful Card Disbursal ELIGIBILITY CRITERIA Employment status: Salaried or Self-Employed Income: Rs 50,000 per month (Salaried), Rs 60,000 per month (self-employed) Required Age: 21-65 years

Complimentary Economy Class domestic Vistara flight ticket Complimentary Club Vistara base membership Upto 3 free Economy domestic tickets on milestone spends 2 complimentary lounge visits per annum at select domestic airports & Much More! You Earn Flat Rs 1960 Profit on Successful Card Disbursal ELIGIBILITY CRITERIA Employment status: Salaried or Self-Employed Income: Rs 50,000 per month (Salaried), Rs 60,000 per month (self-employed) Required Age: 21-65 years

Lifetime Free Credit Card | No Joining or Annual Fees Earn 1.5 Reward Points (1 Reward Point = Rs 0.65) on every Rs 150 spent 1% fuel waiver charge on all petrol pumps across India Get complimentary ICICI Lombard Travel insurance under the Platinum Travel Plus Complimentary personal air accident insurance cover of upto Rs 25 lakhs ELIGIBILITY CRITERIA Income group: Rs 20,000 for Salaried and Rs 30,000 for Self-Employed Age group: 21-65 years Credit Score: 650+ No Delayed Payments in the last 12 months New to Credit is Allowed Existing Home or Auto Loan Existing active credit card with a limit of more than Rs 50,000 of any bank DOCUMENTS NEEDED No physicals documents required Keep your Aadhaar and PAN number handy Income Proof FEES & LIST OF ALL CHARGES Lifetime Free Card Joining Fees: Nil Annual Fees: Nil Annual Fee Waiver: Not applicable

How to Find Best Credit Card in 2024

Finding the best credit card in 2024 can be a challenging task, as there are many factors to consider, such as your credit score, spending habits, rewards preferences and fees. However, there are some steps you can follow to make the process easier and more efficient. Here are some tips on how to find the best credit card in 2024:

• Know your credit score: Your credit score is a key factor that determines your eligibility and interest rate for different credit cards. You can check your credit score for free from various sources, such as CIBIL, Experian or Equifax. A higher credit score means you have a better chance of getting approved for cards with lower interest rates and higher rewards.
• Identify your spending habits: You should analyze your spending patterns and budget to find out which categories you spend the most on, such as groceries, gas, dining, travel, etc. This will help you narrow down your options and choose a card that matches your needs. For example, if you spend a lot on groceries, you may want to look for a card that offers high cash back or points at supermarkets.
• Compare rewards and fees: You should compare the rewards and fees of different credit cards to find the best value for your money. Rewards can be in the form of cash back, points or miles that you can redeem for various things, such as travel, gift cards, merchandise, etc. Fees can include annual fees, foreign transaction fees, balance transfer fees, etc. You should look for a card that offers rewards that suit your preferences and goals, while minimizing the fees that you have to pay. For example, if you travel frequently, you may want to look for a card that offers travel rewards and no foreign transaction fees.
• Apply for the card: Once you have found the card that meets your criteria, you can apply for it online or by phone. You will need to provide some personal and financial information, such as your name, address, income, social security number, etc. You will also need to consent to a hard inquiry on your credit report, which may affect your credit score temporarily. You will get a decision on your application within minutes or days, depending on the issuer. If you are approved, you will receive your card in the mail within a few weeks.

Conclusion

The best credit card for you depends on your spending habits, preferences and goals. Whether you want to earn cash back, travel rewards, flexible points or save money on interest, there is a card that suits your needs. The credit cards to watch in 2024 are the elite selection of cards that offer the most value, perks and rewards for different types of spenders and lifestyles. You can compare the features, benefits and drawbacks of these cards and choose the one that matches your criteria. Remember to always use your credit card responsibly and pay your bills on time to avoid fees and interest charges.