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.

To know more about best credit cards for earning kris flyer miles, visit:

https://www.slideserve.com/kartik7/best-credit-cards-to-earn-krisflyer-miles-in-india2

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).

How To Use The Credit Card Reward Points

Having a rewards credit card comes with a lot of benefits. From being able to improve your credit score to being able to access money whenever and wherever you need it, the value of credit cards is huge. But, the most appealing benefit of a rewards credit card is earning rewards every time you shop.

Most credit card companies award points based on the frequency of credit card use, attitude toward repayment, and other criteria as determined by the company.

To know more about using rewards from credit cards, visit: https://cardinsider.mystrikingly.com/blog/how-to-use-the-credit-card-reward-points

Here are some ways to redeem your credit card reward points for shopping online.

1. Shop online

If you’re looking for a discount on your next online shopping spree or even looking for some cash back, your credit card rewards points can provide both. Some credit card issuers let you use rewards points to pay for all or some a purchase at select online stores.

2. Get cash back

Getting money deposited in your bank account or a statement credit is a great way to use your reward points. You can use the money to pay your bills, add to your savings balance, or reduce your credit card debt. You can also use the rewards to pay off part of your existing debt or move it into an account that pays you interest.

3. Redeem your reward points for gift cards

Buying gift cards is an ideal way to use your credit card rewards. Gift cards give recipients value and flexibility. And many credit card companies join with retail stores to give you an extra perk when you redeem your points for a gift card. For example, redeeming 1000 ruppee worth of rewards or points for a gift card might get you another 1000 ruppee gift card instead. And some card issuers let you redeem smaller amounts of points for gift cards compared with the points required for larger reward items. So you can get a gift card for a larger monetary amount for fewer points.

4. Get discounts on airfare and hotels

If you redeem your accumulated card rewards for travel, you can net hundreds of dollars in savings on airfare and hotel accommodations. The caveat is that travel-related rewards often require that you have a lot of points saved up. Travel rewards may also be subject to blackout dates, which may make this redemption option less desirable for some. But, if you’re willing to let your points add up and work around the blackout dates, you can get some great free travel. All you have to do is log into your online reward portal and get your discount.

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.

To know more about Health and welness credit cards, visit https://www.slideserve.com/kartik7/best-health-and-wellness-credit-cards-in-india

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.

Top Health and Wellness Credit Cards in India

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.