Top 5 Credit Cards Launched In 2023
If you are looking for a new credit card to meet your financial needs in 2023, you might be overwhelmed by the number of options available in the market. From cashback to travel rewards, from dining to shopping, there is a credit card for every purpose and preference. But how do you choose the best one for you?
To help you out, we have compiled a list of the top 5 credit cards launched in 2023, based on their features, benefits, fees, and rewards. These are the cards that stand out from the crowd and offer something unique or valuable to the customers. Whether you want to save money, earn miles, enjoy exclusive privileges, or get access to premium services, these cards have something for everyone.
FEDERAL BANK SCAPIA CREDIT CARD:
Do you enjoy visiting new places and traveling? Imagine not having to pay an annual fee or any costs for international transactions. That is made feasible via the Scapia Federal Bank Credit Card. Get 10% Scapia coins on all online and offline purchases, save 20% on travel reservations made through the Scapia App, have unrestricted access to domestic lounges, and earn reward rates ranging from 2% to 4%. You'll also get access to more, like round-the-clock concierge service! But remember that when you transfer internationally, you won't receive Scapia coins. Instead, there is no cap on the amount of Scapia coins you can earn—you can earn 20% of the total on domestic transactions. Furthermore, you may get unrestricted access to domestic lounges without any limit on the number of trips for as little as ₹5,000 per month. All things considered, the Scapia Federal Credit Card provides advantages and rewards to both heavy and light users.
Joining Fees: INR 0
Annual Membership Fees: INR 1500
Interest Rate: 41.88% (3.49% per month)
Welcome Benefits: None
Special Feature: Unlimited lounge visits
TATA NEU HDFC CARD INFINITY:
TATA NEU HDFC CARD INFINITY is a credit card that offers unlimited benefits and rewards to its customers. It is a co-branded card that is issued by HDFC Bank in partnership with TATA NEU, a leading online retailer in India. TATA NEU HDFC CARD INFINITY is a card that is designed to suit the needs of the modern and savvy shopper. It is a card that gives you more value for your money and more convenience for your lifestyle.
Joining Fees and Annual Membership Fees: INR 1,499+GST
Interest Rate: 3.49% per month i.e. 41.88% annually
Welcome Benefit: Get 1,499 NeuCoins on Tata Neu App (as a reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
Special Feature: 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
TATA NEU HDFC CARD PLUS:
The collaboration between HDFC Bank and the Tata Group has resulted in the co-branded Tata Neu Plus HDFC Bank Credit Card. Those who use this credit card with loyalty to HDFC Bank and Tata Brands stand to gain a great deal. NeuCoins, representing 2% of the transaction amount, will be given back to customers who spend at Tata Brands. This year's list of well-known brand names includes Titan, Tanishq, Air Asia, Tata 1MG, and many others. Additionally, when you use this credit card to make purchases from non-Tata brands, you will earn 1% cashback. Bonus NeuCoins will be given to cardholders as a welcome perk. With a fantastic initial offer, cardholders can earn extra NeuCoins while making purchases on the Tata Neu website or mobile app.
Joining/Renewal Membership Fee: ₹499/- + Applicable Taxes.
Interest Rate: 3.75% per month i.e. 45% annually
Welcome Benefit: Get 499 NeuCoins on Tata Neu App (as a reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
Special Feature: Earn an additional 5% back as NeuCoins on selected categories on the Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass.
HDFC SWIGGY CREDIT CARD:
HDFC Swiggy Credit Card is a co-branded credit card that offers benefits and rewards for online food ordering. The cardholders can enjoy up to 50% discount on Swiggy orders, 10X reward points on dining and grocery spending, and a complimentary Swiggy Pro membership for one year. The card also provides a fuel surcharge waiver, zero liability on lost cards, and access to exclusive offers and discounts from HDFC Bank.
Joining Fee / Renewal Membership Fee: ₹500 /- + Applicable Charges.
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Welcome Benefit: Complimentary Swiggy One Membership for 3 months on card activation.
Special Feature: Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application on the following Swiggy platforms -
Food ordering
Instamart
Dineout
Genie
HDFC REGALIA GOLD CREDIT CARD:
The HDFC Regalia Gold Credit Card has the potential to be your pass to an array of unique benefits. For ₹2,500, you can join and receive free Club Vistara and MMT Black memberships, which entitle you to priority check-in, lounge access, and many other privileges. The rewards go beyond travel, adding value to your regular spending with a 1.3% to 13% reward rate! The card has much more in store for you than just that. For those who wish to accrue benefits from their spending and frequently travel, the HDFC Regalia Gold Credit Card is a wise option. It has a number of helpful perks for travelers, such as complimentary Club Vistara Silver Tier and MMT Black Elite memberships. You can earn five times more reward points when you shop at certain stores, such as Myntra, Reliance Digital, Nykaa, and Marks & Spencer. Travelers will appreciate that the card also grants free entry to airport lounges at over 1000 airports.
Joining/ Renewal Membership Fee: Rs. 2500 + Applicable Taxes.
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Welcome Benefit: Pay your Joining Membership Fee and get Gift Voucher equivalent to Fee Amount = Rs.2,500
Special Feature: Get ₹ 1,500 worth of vouchers from Marriott, Myntra, Marks & Spencer, or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter. And, Get ₹ 5,000 worth of flight vouchers when you spend Rs. 5 Lakhs in an anniversary year
Conclusion:
To sum up, the top 5 credit cards launched in 2023 offer a variety of benefits and features for different types of customers. Whether you are looking for cashback, rewards, travel perks, low-interest rates, or no annual fees, there is a card that suits your needs and preferences. However, before you apply for any of these cards, make sure to compare them carefully and read the terms and conditions. Also, be responsible with your spending and pay your bills on time to avoid fees and interest charges. By doing so, you can enjoy the advantages of these credit cards and improve your financial health.
FAQs:
Q. How do I apply for the Federal Bank Scapia Credit Card?
A. You can apply for the Federal Bank Scapia Credit Card online through the Scapia app or the Federal Bank website. You will need to provide your personal information, income details, and employment information.
Q. How do I contact customer service for the Federal Bank Scapia Credit Card?
A. You can contact customer service for the Federal Bank Scapia Credit Card by calling 1800 419 5973 or by emailing creditcards@federalbank.co.in
Q: What are the benefits offered by the TATA Neu HDFC Infinity credit card?
A: Benefits are as follows:
Complimentary airport lounge access: You get 4 complimentary lounge access per year (1 per quarter) at participating airports in India and abroad.
Fuel surcharge waiver: You get a waiver on fuel surcharge at all petrol pumps in India.
Complimentary movie tickets: You get 1 complimentary movie ticket every month on BookMyShow.
Other benefits: You also get benefits like purchase protection, insurance, and discounts on partner brands.
Q: How do I apply for the TATA Neu HDFC Infinity credit card?
A: You can apply for the TATA Neu HDFC Infinity credit card online on the HDFC Bank website or through the mobile app. You can also visit your nearest HDFC Bank branch to apply.
Q: What are the rewards I earn with TATA Neu HDFC Plus Credit Card?
A: You earn 2% back on non-EMI spends on Tata Neu and partner Tata brands (BigBasket, Croma, IHCL, AirAsia India, etc.) as NeuCoins. Additionally, you get 1% NeuCoins on all other spends. NeuCoins can be redeemed for discounts and purchases on the Tata Neu platform.
Q: Where can I find more information about the card and apply?
A: You can visit the official Tata Neu HDFC Plus Credit Card website (https://www.tatadigital.com/creditcard/) or the HDFC Bank website (https://www.hdfcbank.com/personal/pay/cards/credit-cards/tata-neu-plus-hdfc-bank-credit-card) for detailed information and the application process.
Q: What are the cashback rates for HDFC Swiggy Credit Card?
A: You earn 10% cashback on Swiggy orders (capped at ₹1500 per month), 5% cashback on online spends with specific merchants, and 1% cashback on all other transactions.
Q: How do I redeem my cashback rewards?
A: Cashback is awarded as Swiggy Money, which can be used for future purchases on the Swiggy platform (food, groceries, Instamart, etc.).
Q: What kind of rewards does the HDFC Regalia Gold Credit Card offer?
A: Rewards are as follows:
Earn 4 Reward Points for every ₹150 spent on retail purchases.
Get 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
You can redeem points for vouchers, statement credits, flight tickets, and more.
Q: Are there any travel benefits included?
A: Travel Benefits are as follows:
Yes! You get a complimentary Club Vistara Silver Tier membership and MMT Black Elite membership.
This provides benefits like priority check-in, baggage allowance, and lounge access (subject to specific conditions).
You also get ₹1,500 worth of vouchers on quarterly spends of ₹1.5 lakh and up to ₹10,000 worth of flight vouchers with annual spends.
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