Just Click: Lounge Benefits To Big Discounts, Check Out 3 Popular Credit Cards Of SBI, HDFC, Axis Bank

In India, the number of usage of credit cards has increased sharply, with the Indian government's measures to streamline digitalisation at a wider scale across the country. Your wallet is your phone, and your credit card becomes your cash. Wouldn't it be nice, if you could just shop swiftly online, make fast and convenient payments, and even have a sense of security on your transaction? This is exactly what these three reward-packed credit cards of leading lenders SBI, HDFC Bank and Axis Bank offer.

SimplyCLICK SBI Card:

SimplyCLICK SBI Card is a contactless card, secured and packed with milestone benefits. The card can be accepted worldwide, making your travel journey seamless and flexible. To begin with, there is a Log-In reward of worth Rs 500 as Amazon Gift Card an annual fee of Rs 499 plus taxes.

This SBI credit card has a contact-less advantage, where daily purchases can be made with just a simple wave of the card at the secure reader, anywhere in the world. This eliminates the burden of carrying cash or coins, which can be prone to various risks such as theft and loss.

Further, SimplyClick SBI Card offers quick accessibility, since cash withdrawals can be carried to more than 1 million Visa or MasterCard ATMs in India and around the world. As per the website, SimplyClick SBI Card is available in over 24 million outlets across the globe. In India alone, the card can be availed in 3,25,000 outlets.

Moreover, users can also enjoy milestone benefits. Under this, E-Vouchers worth Rs 2,000 each are offered on touching annual online spends of Rs 1 lakh and Rs 2 lakh respectively. Also, SimplyCLICK SBI Card also allows cardholders to pay their electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility.

Amidst high fuel prices in India, SBI Card's SimplyClick provides a 1% fuel surcharge waiver for each transaction between Rs 500 to Rs 3,000 exclusive of GST and other charges.

Additionally, enjoy entertainment, shopping, travelling, food deliveries, or buying appliances with massive reward points. Cardholders can earn 10X reward points in online spends with exclusive partners such as Apollo 24x7, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Swiggy, and Yatra. Also, 5x reward points are offered on all other online spends.

Among other key benefits, there is an annual fee renewal of Rs 499 plus taxes. However, one can spend Rs 1 lakh and get an annual fee of Rs 499 reversed for your SimplyCLICK SBI card in the subsequent year.

HDFC Bank's MoneyBack+ Credit Card

MoneyBack + Credit Card has attractive cash points, gift vouchers and discounts. Also, the card offers contactless payment, Smart EMI, quarterly spending benefits, renewal offers and many other benefits.

This HDFC Bank credit card has a joining or renewal membership fee of Rs 500 plus taxes. However, if you spend Rs 50,000 or more in a year before the renewal date of the card, you have the option to waive off renewal fee.

MoneyBack + Credit Card also offers 10x cash points of Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy, while 2 CashPoints per Rs 150 spent on other spends is available with the exclusion of EMI, fuel, wallet loads/prepaid card loads & voucher purchases.

Users can have the opportunity to get a gift voucher of Rs 500 on spends of Rs 50,000 per calendar quarter. Not just that the card enables users to earn up to Rs 2,000 worth gift vouchers in a year.

Equipped with SMART SMI option, meaning, the card has the facility to convert your big spends into EMI after purchase. The repayment tenure is also flexible and convenient, ranging from 6 to 48 months.

Just like SimplyClick, there is also a 1% Fuel Surcharge waiver on fuel transactions. However, at HDFC Bank, the minimum transaction should be worth Rs 400, while the maximum amount could be Rs 5,000. The maximum waiver is Rs 250 per statement cycle).

There are also exclusive dining privileges such as 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants).

HDFC Bank offers a special reward for Rupay credit cardholders, where all UPI spends will earn 2 RPs for every Rs 50 spent and the limit is 500 reward points in a calendar month.

Even paying for education made directly through college/school websites or their POS machines will earn Reward Points.

Axis Bank Magnus Credit Card

Axis Bank MAGNUS Credit Card is part of its premium cards portfolio, offering best-in-industry benefits for HNI customers such as complimentary flight tickets every year, airport concierge services etc.

Currently, the card offers complimentary luxury brand vouchers worth Rs 12,500, while there are a host of domestic airport lounge benefits available on MAGNUS with effect from May 1, 2024.

Lounge access benefits are based on your MAGNUS Credit Card spending in the previous 3 calendar months. The minimum spend is Rs 50,000. Additionally, for new MAGNUS cards issued after May 1, 2024, the minimum spend criteria are waived for the month of issuance followed by the next 3 calendar months.

For example, if the card issuance date is 20th Mar 2024, you will be able to access the lounge for the period 20th Mar to 30th Jun 2024, without any minimum spends. But if you want to avail lounge access after this period (in this case Jul 2024), then you will be able to do so only by spending Rs. 50,000 from 1st Apr to 30th Jun 2024 (preceding 3 calendar months), as per the Axis Bank statement.

Furthermore, at the domestic lounge, MAGNUS customers in 2024, will have 4 guest visits available from April 20, 2024, till 31st December'24, irrespective of the number of guest visits utilised till 19th April'24. From the next calendar year onwards, Magnus customers can enjoy 4 complimentary guest visits per calendar year.

In the case of the international lounge, in 2024, all Magnus customers will have 4 guest visits available from 20th April'24 till card anniversary date, irrespective of several guest visits utilised till 19th April'24. From the next card anniversary year, Magnus customers can enjoy 4 complimentary guest visits on Priority Pass, per card anniversary year.

There are also exclusive offers such as up to 15% off on international and domestic Oberoi & Trident Hotels. There is also a 30% discount at over 4,000 restaurants across India.

Customers with a Burgundy MAGNUS card can also avail of vouchers worth Rs 5,000 from options such as -- Luxe gift card, PostCard Hotels gift voucher or Yatra gift voucher.

MAGNUS is further packed with an annual fee waiver of Rs 12,500 on spends of Rs 25 lakh in a preceding year. The card also provides a 1% fuel surcharge waiver on transactions ranging from Rs 400 to Rs 4,000.