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Best Sign Up Bonus Credit Cards

Best Sign Up Bonus Credit Cards

Team Finology

Created on 26 Jul 2023

Wraps up in 6 Min

Read by 4.3k people

Updated on 16 Dec 2024

Are you looking for a credit card that rewards you immediately? Do you want to get some extra benefits when you apply for a new card? If yes, then you might be interested in credit cards offering sign-up bonuses or welcome benefits.

Sign-up bonuses and welcome benefits can be very attractive, especially if they match your spending habits and preferences. They can help you save money, earn rewards, or enjoy exclusive privileges. However, not all credit cards offer sign-up bonuses or welcome benefits, and not all of them are equally valuable. You need to compare different cards and their features before choosing the best one.

To help you with that, we have compiled a list of India's best sign-up bonus credit cards. These cards offer the most lucrative and valuable sign-up bonuses or welcome benefits in the market. We have also considered other factors such as annual fees, reward rates, interest rates, and other features while ranking these cards.

So, without further ado, let’s take a look at the best sign-up bonus credit cards in India for 2023.

Best Sign-Up Bonus Credit Cards

1. Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card is an excellent choice for online shoppers who want to earn cashback and benefits. You can get a sign-up bonus worth ₹1100 on your first transaction with this card within 30 days of issuance. You can also enjoy up to 5% cashback on Flipkart, Myntra, and other partner merchants and 1.5% cashback on all other categories.

Features

Welcome Bonus	Get Flipkart vouchers worth ₹500. Get 15% cashback (up to ₹500) on the first Myntra purchase using this card. Get 50% discount on Swiggy (maximum discount capped at ₹100).
Travel Benefits	Enjoy 4 complimentary lounge visits per year.
Fuel Surcharge Waiver	1% fuel surcharge waiver for each transaction between ₹400 and ₹4000 (max benefit of ₹400 per month).
Shopping Benefits	5% cashback on Flipkart and Myntra 4% cashback on Swiggy, Cleartrip, and Cure.fit, PVR, UBER, Tata Play. 1.5% cash back on all other categories
Dining Benefits	20% discount at partner restaurants under the 'Dining Delights' program by Axis Bank.

Fees and Charges

Joining Fees	₹500
Annual Fees	₹500
Annual Percentage Rate	52.86%
Foreign Transaction Fees	3.50%

Eligibility

Applicant’s age should be at least 18 years, and their monthly income should be between ₹15,000 and ₹30,000.

2. Club Vistara IDFC FIRST Bank Credit Card

The Club Vistara IDFC FIRST Bank Credit Card is a perfect option for travellers who want to enjoy luxurious travel and lifestyle benefits. This co-branded card offers an array of benefits. From travel benefits to welcome bonuses, you get to enjoy everything. With this card, you can enjoy complimentary flight tickets, class upgrades, lounge access, golf rounds, dining discounts, and much more.

Features

Welcome Bonus	Get 1 Complimentary Premium Economy Ticket Voucher. Get 1 One Class Upgrade Voucher. Get entry to Club Vistara Silver Membership. Get a complimentary 3-month EazyDiner Prime membership. Enjoy a complimentary 3 months BQ Prime subscription
Reward Benefits	Earn 6 CV Points on spending ₹1 Lakh in each statement cycle. Earn 4 CV Points on spending above ₹ 1 Lakh in each statement cycle. Earn 10 CV Points on all dining spends on your Birthday. Earn 1 CV Point on every Fuel, Insurance, Utility, Rent & Wallet Load transaction. Get 1 CV Point on a transaction of ₹200 *CV Points: Club Vistara Points
Milestone Benefits	Get up to 5 Complimentary Premium Economy Ticket Vouchers on achieving spending milestones. A spending of ₹ 1,50,000 unlocks 1st ticket voucher. A spending of ₹ 3,00,000 unlocks a 2nd ticket voucher. A spending of ₹ 4,50,000 unlocks the 3rd ticket voucher. A spending of ₹ 9,00,000 unlocks 4th ticket voucher. A spending of ₹ 12,00,000 unlocks 5th ticket voucher.
Lounge Access	Get 2 complimentary visits to domestic airport lounges and spas per quarter. Get 1 complimentary visit to the international airport lounge per quarter.
Insurance Benefits	Air accident insurance cover: ₹1 Crore Personal Accident cover: ₹10 Lakhs Lost card liability cover: ₹50,000 Cover for check-in baggage loss, delay of check-in baggage, flight delay, loss of travel documents: USD 1200 CFAR Trip Cancellation Cover: Get a refund of up to ₹10,000 on cancelling your flight and hotel bookings made with the card, on 2 cancellations per year.
Other Benefits	Enjoy special benefits such as four complimentary rounds of green fees golf per calendar year (up to one round per calendar month). Receive golf services at a 50% discount over complimentary sessions. Get 12 free golf lessons every calendar year (up to one lesson per month).

Fees and Charges

Joining Fees	₹4999
Annual Fees	₹4999
Annual Percentage Rate	42.00%
Foreign Transaction Fees	2.99%

Eligibility

Applicant’s age should be at least 21 years, and their annual income should be at least ₹3 Lakhs.

3. IDFC FIRST Bank Select Credit Card

IDFC FIRST Bank Select Credit Card is a lifetime free credit card that offers unlimited rewards and benefits across various categories. Whether you are looking for travel, movie, golf, or dining benefits, this card has it all. With this card, you can also enjoy low interest rates, lounge access, welcome vouchers, and incremental rewards.

Features

Welcome Bonus	Welcome gift vouchers of ₹500 once you spend ₹15,000 within the first 90 days of issuing your card. A 5% cashback is given on the first EMI transaction if performed within the first 90 days of setting up your card.
Fuel Surcharge Waiver	Get a 1% surcharge waiver on fuel transactions with the maximum discount capped at ₹300.
Travel Benefits	4 complimentary lounge visits per quarter at selected domestic airports across India and 4 complimentary railway lounge access every quarter. Complimentary roadside assistance worth ₹1,399.
Insurance Benefits	Air Accident Cover: ₹1 Crore Travel: ₹22,500 Accident Cover: ₹5,00,000 Lost Card Liability: ₹50,000
Dining Benefits	Up to 20% off at more than 1,500 restaurants.
Entertainment Benefits	Buy one get one offer on movie tickets up to ₹250 on PayTM mobile app twice a month.
Reward Benefits	6 reward points for every ₹150 you spend online and 3 reward points for every ₹150 you spend offline below ₹20,000 a month. Also, you get 10 reward points for every ₹150 you spend above ₹20,000 a month and on your birthday. *Each reward point is worth ₹0.25.

Fees and Charges

Joining Fees	Free
Annual Fees	Free
Annual Percentage Rate	42.00%
Foreign Transaction Fees	1.99%

Eligibility

Applicant’s age should be at least 21 years, and they must have a decent monthly income.

4. HDFC Bank Infinia Metal Edition Credit Card

HDFC Bank Infinia Metal Edition Credit Card is a premium credit card that is designed for the elite and affluent customers of HDFC Bank. This card offers exclusive benefits and privileges across various categories, such as travel, dining, lifestyle, rewards, and more. This card gives you nothing less than the feel of royalty with its exclusive and premium benefits.

Features

Welcome Bonus	Get a complimentary Club Marriott membership for a year, offering up to 20% discounts for dining and staying across the Asia Pacific region. Get the welcome benefit of 12,500 reward points upon fee realisation and card activation.
Fuel Surcharge Waiver	Get 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹1,00,000
Dining and Travel Benefits	At participating ITC hotels, you can book a stay for three nights and pay for two. Buffets at participating ITC hotels are 1+1 free. Enjoy unlimited complimentary lounge access at domestic and international airports using Priority Pass.
Insurance Benefits	Get an Accidental Air Death cover worth ₹3 Crores. Get an Emergency overseas hospitalisation benefit of up to ₹50 Lakhs in an emergency. Get Credit Shield Cover for upto ₹9 Lakhs
Other Benefits	Enjoy an additional 15% off on all your bill payments via Swiggy Dineout. Enjoy the benefit of the lowest markup fee of 2% on all foreign currency transactions. Enjoy unlimited free golf games at prestigious courses in India and on selected international courses.

Fees and Charges

Joining Fees	₹12,500
Annual Fees	₹12,500
Annual Percentage Rate	23.88%
Foreign Transaction Fees	2.00%

Eligibility

Only those who have been invited can apply for the HDFC Bank Infinia Credit Card.

Conclusion

If you want to get rewarded for opening a new credit card and spending on it, you should definitely consider sign-up bonus credit cards. These cards offer cashback, points, miles, or other perks when you meet specific requirements. However, you need to compare different cards and their features before choosing the best one.

And to compare and apply for the best sign-up bonus credit card, you can use Select by Finology. It is a platform that helps you find the best credit cards for your needs and preferences.

So, don't wait any longer. Compare and apply for the best sign-up bonus credit card on Select by Finology today and enjoy the rewards!

Best Sign Up Bonus Credit Cards

Best Sign-Up Bonus Credit Cards

1. Flipkart Axis Bank Credit Card

2. Club Vistara IDFC FIRST Bank Credit Card

3. IDFC FIRST Bank Select Credit Card

4. HDFC Bank Infinia Metal Edition Credit Card

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