Best credit card to earn kris flyer miles in India

KrisFlyer is a frequent flyer program by Singapore airlines. Singapore Airlines has tied up with various card issuers so that the Reward Points earned on partner card issuer’s credit cards can be converted into KrisFlyer Miles. KrisFlyer Miles can be redeemed on Singapore Airlines’ own services and partner airlines which include all Star Alliance members, Virgin Australia, Virgin Atlantic, and a number of hotel chains and car-hire companies.

Singapore Airlines’ partner card issuers in India include HDFC Bank, Citi Bank, American Express and HSBC Bank.

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In this article, we’ve covered those credit cards by these card issuers that offer some of the highest reward rates on conversion of Reward Points into KrisFlyer Miles.

1. HDFC Bank INFINIA Credit Card Metal Edition

Infinia Credit Card earns you 5 Reward Points for every Rs. 150 spent which can be converted into AirMiles via net banking on one of partner airlines’ loyalty programs. Since Singapore Airlines is one of HDFC’s partners, you can convert the Reward Points earned on your HDFC Infinia Credit Card into KrisFlyer Miles. 100 Reward Points = 100 KrisFlyer Miles (1:1 conversion ratio), making the effective reward rate of HDFC Infinia Credit Card 3.3% (if Reward Points are redeemed against Air Miles).

2. HDFC Bank Diners Club Black Credit Card

The Diners Club Black Credit Card by HDFC Bank is the second most premium offering by the bank after the Infinia Card. Unlike Infinia, although Diners Club Black Card is not invite-only, it does, however, come with quite strict eligibility criteria (minimum gross monthly income of Rs. 1.75 lakh) and a membership fee of Rs. 10,000 per annum.

The reward rate of both Infinia and Diners Club Black Credit Cards is the same (5 Reward Points per Rs. 100 spent). The Reward Points earned can be converted into KrisFlyers Miles via net banking. 100 RP = 100 KrisFlyer Miles (conversion ratio 1:1). Thus the effective reward rate of Diners Club Black Credit Card also becomes 3.33% (same as Infinia).

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Are shopping credit cards worth it?

Personal finance experts spend a lot of energy trying to prevent us from using credit cards—and with good reason. Many of us use credit cards irresponsibly and end up in debt. However, contrary to popular belief, if you can use the plastic responsibly, you're actually much better off paying with a credit card than with a debit card and keeping cash transactions to a minimum.

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Let's examine why your trusty credit card comes out on top, and certain credit card uses and strategies to employ.

1. One-Time Bonuses

There's nothing like an initial bonus opportunity when getting a new credit card. Often times, applicants with good credit or excellent credit can get approved for credit cards that offer bonuses worth upto thousand of rupees in exchange for spending a certain amount in the first several months the account is open.

Other cards entice applicants with bonus reward points or miles that can be redeemed for travel, gifts cards, merchandise, statement credits, or checks (more on those below). In contrast, a standard debit card that comes with a bank checking account generally offers no initial bonus or ongoing opportunity to earn rewards.

2. Cash Back

The cash-back credit card was first popularized in the United States by Discover, and the idea was simple: Use the card and get 1% of your purchases rebated in the form of cash back. Today, the concept has grown and matured. Now, some cards now offer 2%, 3% or even as much as 6% cash back on selected purchases, though such lucrative offers involve quarterly or annual spending caps.The best cash-back cards are those that charge minimal fees and interest, while offering a high rewards rate.Some cards, like the Fidelity Rewards card, offer a high 2% rate of cash back rewards on all spending but you must deposit your cash directly into a Fidelity investment account.

3. Rewards Points

Credit cards are set up to allow cardholders to earn one or more points per dollar in spending. Many reward credit cards provide bonus points for certain categories of spending like restaurants, groceries or gasoline. When certain earnings thresholds are reached, points can be redeemed for travel, gift cards from retailers and restaurants, or for merchandise items through the credit card company's online rewards portal.

Your credit card rewards options are almost endless. Get a co-branded card offered in partnership with a hotel chain, clothing retailer or even a nonprofit organization like AARP, and you can leverage your everyday spending to earn valuable rewards day in and day out.

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Best health and wellness Credit cards

The COVID-19 pandemic has proved yet again that emergencies can occur at any time. Thus, having a health and wellness credit card can help you be prepared for such emergencies. Credit cards not only help with your finances but also offer additional benefits that can help you stay healthy during the pandemic and after.

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Due to this, various banks and credit card companies have joined forces with various brands to offer co-branded health and wellness credit cards. Partnering up with companies such as Practo and Apollo, these credit cards come with a wide range of benefits for cardholders such as discounts on annual doctor checkups, complimentary fitness sessions, free video consultations with doctors, and more.

• Yes Bank Wellness Credit Card offers 6 free fitness sessions, a Complimentary annual health check-ups, 20 reward points for every Rs 200 spent at pharmaceutical stores or chemists, and 4 reward points for every Rs 200 spent on other category expenses.
• Yes Bank Wellness Plus Credit Card offers Complimentary annual health check-ups, Complimentary annual dental and eye check-ups, Unlimited consultations with general practitioners, and nutritionists, 12 free fitness sessions, Upto 30 reward points for every Rs.200 spent at chemist or pharmaceutical stores, Domestic lounge access, On death due to a flight accident, get a life insurance cover up to Rs.1 crore.
• Apollo SBI card offers Complimentary OneApollo Gold Tier membership, 3X accelerated rewards for every Rs.100 that you spend on Apollo services, Fuel surcharge waiver.

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