Welcome benefits on a credit card make it more enticing and you should definitely consider them when looking for a new credit card. However, refrain from deciding on a card solely based on its welcome benefits. Compare other features on the card along with the sign-up bonus and then choose the right card. Below we have listed top credit cards that offer lucrative sign-up bonuses or welcome benefits.
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Credit Cards with the Best Sign-up/Welcome Bonus in 2023
| Credit Cards | Annual Fee | Welcome Benefit |
| IDFC HPCL Power Fuel Credit Card | Rs. 199 | Up to Rs. 1,250 cashback on 1st HPCL & EMI; Discount offers on Swiggy & car rentals |
| Yatra SBI Credit Card | Rs. 499 | Rs. 8,250 Yatra vouchers |
| Axis Bank Flipkart Credit Card | Rs. 500 | Rs. 500 Flipkart voucher; Up to Rs. 100 off on Swiggy |
| Kotak IndiGo 6E Rewards Credit Cards | Rs. 700 | Rs. 1,500 air ticket voucher; Rs. 1,099 6E Prime add-on |
| HDFC Platinum Times Credit Card | Rs. 1,000 | Rs. 5,000 vouchers |
| SBI Air India Platinum Credit Card | Rs. 1,499 | 5,000 reward points; Air India Flying Returns membership |
| Axis Vistara Credit Card | Rs. 1,500 | Economy ticket voucher; CV base membership |
Top Credit Cards in India | Check Eligibility for Top Cards
IDFC HPCL Power Fuel Credit Card
Joining/Annual Fee: Rs. 199
Welcome Benefits:
- Rs. 250 cashback on 1st HPCL fuel transaction of min. Rs. 250
- 5% cashback up to Rs. 1,000 on 1st EMI transaction
- Rs. 150 off on Swiggy orders above Rs. 500
- Rs. 500 off on Zoomcar rentals
- Up to 30% off on chauffeur driven Eco Rent A Car rental
Other Major Features:
- 2 reward points per Rs. 150 retail spend
- 15 reward points per Rs. 150 on HPCL fuel, LPG, grocery and utility spends
- 6 Payback rewards per Rs. 100 on fuel payments via HP Pay
- 0% interest until due date on ATM cash withdrawals
- Roadside assistance of Rs. 1,399
- Up to Rs. 2.25 lakh insurance cover
Suggested Read: Best Fuel Credit Cards in India | Check Eligibility for Top Cards
Yatra SBI Credit Card
Joining/Annual Fee: Rs. 499
Welcome Benefits: Yatra vouchers worth Rs. 8,250 on joining fee payment, where –
- 2 domestic air ticket vouchers of Rs. 500 each
- 2 international air ticket vouchers of Rs. 1,000 each
- 1 hotel booking voucher of Rs. 750
- 1 domestic holiday voucher of Rs. 1,500
- 1 international holiday voucher of Rs. 3,000
Other Major Features:
- 6 reward points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment & internationally
- 1 reward point per Rs. 100 spent on others
- Rs. 1,000 off on minimum domestic flight booking of Rs. 5,000
- Rs. 4,000 off on minimum international flight booking of Rs. 40,000
- 20% off of up to Rs. 2,000 on minimum domestic hotel bookings of Rs. 3,000
- Annual fee waived off on annual spends of above Rs. 1 lakh
- Air accident cover of Rs. 50 lakh
Suggested Read: Best Credit Cards with Travel Portal Benefits | Check Eligibility for Top Cards
Axis Bank Flipkart Credit Card
Joining/Annual Fee: Rs. 500
Welcome Benefits:
- Flipkart voucher of Rs. 500 on first transaction
- 50% off up to Rs. 100 on 1st Swiggy order
Other Major Features:
- 5% cashback on Flipkart
- 4% cashback on preferred merchants
- 1.5% cashback on others
- 4 lounge visits at selected airports in India
- 15% off up to Rs. 500
Kotak IndiGo 6E Rewards Credit Cards
Joining/Annual Fee: Rs. 700
Welcome Benefits:
- Rs. 1,500 air ticket voucher
- Rs. 1,099 6E Prime add-on for complimentary meal, quick baggage access & seat selection
Other Major Features:
- 3% 6E rewards on IndiGo spends
- 2% 6E rewards on entertainment, grocery & dining spends
- 1% 6E rewards on other spends
- Rs. 150 off on IndiGo convenience fee
HDFC Platinum Times Credit Card
Joining/Annual Fee: Rs. 1,000
Welcome Benefits: Vouchers of Rs. 5,000 across shopping, apparel, dining & other categories
Other Major Features:
- Annual Times Prime membership on making 1 transaction per quarter
- 50% off up to Rs. 600 on BookMyShow movie tickets
- 6 months EazyDiner membership
- 10 reward points per Rs. 150 weekday dining spends
- 3 reward points per Rs. 150 retail spends
- Up to 20% off on online and offline shopping, wellness & hotel stays
- Up to 5% cashback on utility bills and shopping
Suggested Read: Best Entertainment Credit Cards in India | Check Eligibility for Top Cards
SBI Air India Platinum Credit Card
Joining/Annual Fee: Rs. 1,499
Welcome Benefits:
- 5,000 reward points on joining
- 2,000 reward points on renewal
- Air India Frequent Flyer Program – Flying Returns membership
Other Major Features:
- 2 reward points per Rs. 100 spent
- Up to 15 reward points per Rs. 100 Air India ticket booking via Air India platforms
- Up to 15,000 reward points per year as milestone benefits
- 8 domestic Visa lounge visits in India per year
Suggested Read: Best Airline Credit Cards in India | Check Eligibility for Top Cards
Axis Vistara Credit Card
Joining/Annual Fee: Rs. 1,500
Welcome Benefits:
- Economy Class ticket voucher on joining/annual fee payment
- Club Vistara base membership
Other Major Features:
- 2 CV points per Rs. 200 spent
- 1,000 EDGE reward points on spending Rs. 50,000 within the first 90 days
- 1 Economy ticket on reaching annual spends of Rs. 1.25 lakh, Rs. 2.5 lakh & Rs. 6 lakh
- Lounge access at selected airports in India
- 25% off up to Rs. 800 via Axis bank EazyDiner
- Purchase protection cover of up to Rs. 1 lakh
- Up to 300 USD cover for travel documents loss and delay or loss of check-in baggage
