Best Credit Card Benefits in Kolkata You Can Avail for Yourself
Our economy has become robust enough that the majority of Indians are confident to carry and use credit cards. However, what many of us lack is thorough information on which bank to opt for when it comes to getting a credit card. This is where Market Miinds comes into play, as we are aiming to share important knowledge about the best credit card benefits in Kolkata you can get. In particular, we will help you to know more about the card benefits that banks like Axis, HDFC, IndusInd, Yes Bank, HSBC, ICICI, IDFC, and SBI offer. Therefore, without wasting any further time, let us start looking into the perks you get with each of their credit cards. Category Recommended Card Why it wins in Kolkata Dining (Park St/Malls) IndusInd EazyDiner 25-50% off at top spots like 6 Ballygunge Place. Online Shopping SBI Cashback / Axis Flipkart Flat 5% cashback on Amazon/Flipkart deliveries. Lounge (CCU Airport) HDFC Infinia / Regalia Gold Reliable access to Travel Club lounges (Dom & Intl). Movies (INOX/PVR) IDFC First Select / ICICI Sapphiro Buy-1-Get-1 offers for weekend blockbusters. Durga Puja Shopping SBI Card (Any variant) Most frequent festive partner for malls & Amazon. Credit Card Benefits in Kolkata for Dining Perks If you are someone who cares a lot about dining in the most luxurious places Kolkata has to offer, then you have to go with IndusInd Bank, arguably the leader here. Their tie-up with EazyDiner, especially the EazyDiner Credit Card, is a real game-changer. It gives you guaranteed 25–50% discounts at top Kolkata spots like 6 Ballygunge Place, Riyasat, and Aminia. If you eat out even once a month, the card practically pays for itself. HSBC is another bank that is making waves with its new Live+ Card, offering a flat 10% cashback on all dining and food delivery. Whether you’re waiting in line for chelo kebabs at Peter Cat or ordering biryani through Zomato on a rainy day, this card puts cashback straight into your account. Meanwhile, Axis Bank holds its ground with the “Dining Delights” program, giving up to 20% off at family favourites like Barbeque Nation and TGI Fridays. Credit Card Benefits in Kolkata for Shoppers People of Kolkata really do love shopping, especially around Bengali New Year or Noboborsho and Durga Puja. Thus, the banks mentioned next ensure to provide some of the best offers on their credit cards. Among them, SBI Card is the clear leader during the festive season. In the months before Puja, it takes centre stage with exclusive partnerships at local electronics stores like Great Eastern Retail and major malls such as Acropolis and Avani Riverside. Plus, the Cashback SBI Card offers an unbeatable 5% cashback on online purchases, making it ideal for the big Amazon and Flipkart sales in October. However, missing out on Axis and ICICI Bank’s credit card perks is a big loss. For everyday online shoppers, ICICI Bank and Axis Bank are go-to choices today. The Amazon Pay-ICICI and Flipkart Axis cards have become household favourites, offering unlimited cashback on their respective platforms. They’re perfect for stocking up on daily essentials or picking out gifts for the family without stressing about reward point limits. Credit Card Perks in Kolkata for Travelling Activities Travelling can be expensive; therefore, getting special offers or discounts is more than welcome. Among these, lounge access is a major win for travellers. Here, HDFC Bank leads the premium travel space, with cards like Infinia and Regalia Gold offering unlimited or generous access to Travel Club Lounges at both international and domestic terminals in CCU. Their reward points pack great value for booking flights, making them a top choice for frequent-flying executives. On the other hand, you can also look at Yes Bank and IDFC FIRST Bank, which are great options to consider. The Yes Marquee card is perfect for international travellers, while the IDFC First Wealth card offers lounge access along with the perk of being a lifetime free card. Benefits of Credit Cards for Moviegoers and Commuters in Kolkata If your perfect weekend means catching a movie at INOX or PVR, check out IDFC FIRST Bank and ICICI Bank. Their IDFC Select and ICICI Sapphiro cards offer Buy-1-Get-1 movie ticket deals, accepted at most multiplexes across Kolkata. For daily commuters, using a cashback card like the Axis Ace to recharge a Kolkata Metro smart card through apps like Google Pay or Amazon Pay is a clever hack to earn 2–5% back on monthly travel expenses. Credit Card That Helps You Cover Insurance & Protection Now, let us discuss the important credit card benefits in Kolkata that most users are unaware of. Especially, their card often acts as a free insurance policy. For example, Premium cards, such as HDFC Infinia, Axis Magnus, and SBI Elite, often include complimentary air accident insurance ranging from ₹1 crore to ₹3 crores. But remember, it is only available when you book your flight ticket using that specific card. Furthermore, if your flight out of CCU (Kolkata) is delayed by more than 6-12 hours, or your baggage is lost/delayed, your card may reimburse you for meals, essential clothing, and toiletries. However, make sure to check, as ICICI Sapphiro and HDFC Regalia Gold typically offer cover up to $500 for delayed baggage. On the other hand, if you buy a new smartphone or laptop and it’s stolen or damaged by fire or burglary within 90 to 180 days of purchase, certain cards (like Amex Platinum or some Visa Infinite options) will refund the cost. Furthermore, if the primary cardholder passes away or becomes permanently disabled, Credit Shield insurance cancels the outstanding bill amount (up to a certain limit), making sure the debt doesn’t get passed on to the family. Use Credit Card Benefits for Better Financial Management If you make a big purchase, like gold from Senco or PC Chandra, the day after your bill is generated, you can get nearly 50 days to pay it off. Courtesy of Interest-Free Cash, also known as
