Did you know your credit card could be a treasure trove of hidden perks? Beyond cashback and rewards, many cards offer benefits that can save you thousands of rupees each year. Let’s uncover ten surprising credit card benefits you might be missing out on.
1. Complimentary Airport Lounge Access
Frequent travelers, rejoice! Many premium credit cards in India, such as the HDFC Infinia or SBI Elite, provide free access to airport lounges, offering a relaxing experience before your flight. Pair this with travel credit card benefits like flight ticket discounts, and you’ve got a winning combo.
2. Purchase Protection
Your credit card might offer protection for your purchases against theft, damage, or loss for a specified period. For instance, premium credit cards in India often include this benefit for high-value items like electronics.
3. Fuel Surcharge Waiver
A fuel cashback credit card can help you save on petrol or diesel costs. Cards like the IndianOil Citi Credit Card offer significant savings on fuel transactions, making them ideal for frequent drivers.
4. Extended Warranty on Purchases
Did you know your credit card could extend the manufacturer’s warranty on purchases? This feature is especially useful for gadgets and appliances, ensuring peace of mind for longer periods.
5. Dining Discounts
From cashback credit cards to dining-specific rewards, many cards offer exclusive dining benefits. The best credit cards for dining, like the Axis Vistara Signature Card, can provide up to 20% discounts at top restaurants.
6. Zero Annual Fee Options
Think premium cards always come with hefty fees? Think again. Zero annual fee credit cards, like the ICICI Platinum Chip Credit Card, offer excellent benefits without the burden of yearly charges.
7. Cashback on Online Shopping
Online shopping credit cards are perfect for e-commerce enthusiasts. For instance, the SBI Cashback Card review highlights its 5% cashback on popular platforms like Amazon and Flipkart.
8. Travel Insurance Coverage
Many travel credit cards in 2024 offer complimentary travel insurance, covering flight cancellations, lost luggage, and even medical emergencies. A must-have for frequent flyers!
9. EMI Conversion Options
Big-ticket purchases become manageable with EMI conversion facilities on your credit card. Use this feature for gadgets, appliances, or even vacations to spread out payments conveniently.
10. Exclusive Deals on Food Delivery
With the rise of food delivery apps, the best credit cards for food delivery in India, such as the HDFC Millennia Card, provide discounts and cashback on orders from Zomato or Swiggy.
Real-Life Scenario: How to Maximize Credit Card Perks
Imagine earning cashback on groceries with an online shopping credit card, saving on fuel with a fuel cashback credit card, and enjoying free lounge access during your vacation. With the right card combination, you could save ₹10,000 or more annually.
Tips to Unlock Maximum Value
- Choose Cards Based on Your Lifestyle: For frequent travelers, explore the top 5 premium credit cards in India for frequent travelers.
- Track Your Expenses: Monitor your spending to maximize cashback and rewards.
- Leverage Offers: Stay updated on the latest credit card cashback offers and promotions.
Your credit card is more than just a payment tool; it’s a gateway to savings and exclusive perks. Whether you’re a beginner or a seasoned cardholder, understanding these hidden benefits can elevate your financial game. Ready to apply for a credit card online? Check out our top picks and start saving today!