Best credit cards of September 2021: Review, rewards, and offers

Choosing the best credit cards that suit all your needs can be an overwhelming task. Especially with hundreds of products available in the market today, all claiming to be the best

. It all boils down to thorough research, an in-depth comparison between the benefits various cards offers and the maintenance costs involved. 

To make the process simpler for you, we’ve compiled a list of the best credit cards of August 2021 that

will help you choose the one that perfectly meets all your needs!

Some of the best credit cards for online credit card applications are: 

Bajaj Finserv RBL Bank SuperCard

When it comes to co-branded cards, the Bajaj Finserv RBL Bank SuperCard tops the chart.

Along with a smooth and hassle-free application process and instant approval, SuperCard offers you the benefits of four credit cards one in this credit card you will receive some attractive rewards and cashback, also they didn’t charge an annual fee. 

With a nominal joining and annual fee of Rs. 499, it offers a multitude of industry-first features such as easy EMI conversion, the emergency advance facility at the rate of 1.16% pm, zero-interest ATM withdrawals etc. 

SBI SimplyClick Credit Card:

If you are someone who spends a lot on online shopping and is doing a credit card apply for your first-ever credit card, the SBI SimplyClick Credit Card can be a good choice.

With a joining value of only Rs. 499, SBI SimplyClick offers5X reward points on all online purchases and 10X reward points if you spend at SBI Cards’ exclusive partners. 

One of the best features of the SBI SimplyClick Credit Card is the joining rewards from various e-commerce portals such as Amazon, Urban Company, Lenskart, etc. And that is not all, it also offers a fuel surcharge waiver of 1% (up to Rs. 100 in a given billing cycle) on transactions of over Rs. 500. 

Given how affordable the joining and annual fee is, this is truly one of the best credit cards available in the market today. 

IDFC FIRST Millenia Credit Card:

The IDFC FIRST Millenia Credit Card offers some of the best-in-class reward programmes that make spending more rewarding! It offers 10X reward points on all expenses of over Rs. 20,000 and 6X rewards on every online spend. 

Additionally, it also offers a zero-interest cash withdrawal. But what makes IDFC FIRST Millenia Credit Card absolutely unmissable is the fact that there is no capping on rewards points you earn, and they never expire either.

Another amazing feature of this card is that you don’t have to shell out any joining fee, membership fee and/or annual fee. Talk about a steal deal! 

Axis Bank ACE Credit Card: 

The Axis Bank ACE Credit Card offers the best cashback programme with the highest universal rate of a whopping 2% on all spends, 4% cashback on Ola, Swiggy and Zomato spends, and 5% cashback on all utility bill payments done using the Google Pay app.

You can enjoy all these top-tier features at an affordable joining fee of just Rs. 499, which is reversed upon spending over Rs. 10,000 within the first 45 days of getting the card. The annual fee is also Rs. 499 which, again, is reversed upon spending over Rs. 2,00,000 annually. 

Apart from all these benefits, the Axis Bank ACE Credit Card also offers 4 complimentary airport lounge visits each year. 

Amazon Pay ICICI Credit Card: 

Another co-branded credit card, the Amazon Pay ICICI Credit Card is one of the best credit cards in India at the moment. If you are someone who spends more time on the Amazon app than you do on social media, this is a blessing in disguise for you!

There is no joining fee or annual fee, and you can enjoy a 5% and 3% cashback (for Prime and non-Prime members respectively) on all your Amazon purchases. Moreover, you can make big-ticket purchases on Amazon and opt for a no-cost EMI for 3 to 6 months! 

HDFC Regalia Credit Card:

If you are ready to spend Rs. 2,500 as an annual fee in exchange for some striking benefits, then you should opt for the HDFC Regalia Credit Card. This card is especially suited for people who travel often since Its Priority Pass Programme offers complimentary airport lounge access. Additionally, you can benefit from various other features such as priority check-in, 5kg additional baggage allowance, etc.

It also offers 4 reward points per Rs. 150 spent using the card which can be redeemed against various lifestyle purchases. Moreover, you can also enjoy up to 15% discount at select premium restaurants in India.  

Conclusion: Thanks to the blessing that is the internet, you have all the information you need to make an informed choice at your fingertips. It is highly recommended to compare all your options before choosing a credit card that caters to all your needs. After all, getting yourself a new credit card is such an exciting process, isn’t it?

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