8 best credit card offers for the holiday season

Last Updated: Tue, Mar 20, 2018 13:17 hrs
Credit Card (PTI image)

It's that time of the year again! As Christmas and New Year's is just around the corner, credit card companies are gearing up this festive season to give holiday shoppers the best deals. From free gold coins to 25% cashback on gold jewellery, there are a range of attractive deals that credit card holders should not miss. The incentives include cashback, discounts on hotel bookings, complimentary meal vouchers at luxury hotels, etc. Let us take a look at the best deals.
 
1. Festive offers on new credit cards



Firstly, this is probably the best season to apply for a credit card because you can get a number of seasonal joining perks such as annual fee waiver, joining fee waiver, complimentary gifts and free reward points on card activation. Typically, at the end of the year, credit card providers want to reach their sales targets and give out promotional offers such as lifetime free credit cards or no annual fee credit cards. Some even offer free reward points worth Rs.10,000 or so once a buyer activates his/her credit card for the first time. Not just this, after activation, once a credit cardholder makes the first purchase within 30 days of card issue, additional bonus points will be credited. It is wise to make the best of these promotional offers at this time of the year. So what are you waiting for? Apply for a credit card online and reap the benefits early.
 
2. Special holiday discounts, cashback for shopping and travel

Did you know that you can get special discounts, offers and cashback especially during the festive season? Many retail merchants and online stores tie up with credit card companies to offer special seasonal perks. For example, those who shop above Rs.1,000 will be eligible for special cashback only from October to December. For those who love shopping online, there are a number of credit cards that offer double bonus rewards on all online shopping.

These also include special discounts or complimentary meals at select restaurants. Customers can enjoy food and beverages with family at discounts ranging from 15% to 25% on the bill. When it comes to electronic goods purchased online, cashback of up to Rs.20,000 can be received on purchase of Apple products.

Not just this, for those who want to travel this season, cashback and discounts are also offered on domestic and international flights. For international hotel bookings a cashback of 30% is applicable and for international flight bookings, a maximum cashback of Rs.10,000 can be received per card. What's even better is cashback are also offered for duty-free shopping.
 
3. Free domestic flight and hotel stay

Those who are taking a vacation this year can make the best of the holiday season offers. With select credit cards, you can get a free 1-way flight ticket from certain airliners as a welcome gift and free access to premier airport lounges. Some deals are even sweeter with free stay at luxury hotels, resorts, and spas coupled with free elite membership at a list of preferred 7 and 5 star hotels. Many travel credit cards also offer holiday hotel vouchers that range anywhere from Rs.10,000 to Rs.15,000 as part of the welcome kit

4. Free gold coins and discounts on jewellery purchase

For most Indians, no festival is complete without purchasing jewellery and this dream can come true. Many credit card providers offer discounts that range from 10% to 25% on jewellery purchase. Apart from this, customers who purchase diamond jewellery get 1 gram gold coins free.
 
5. EMI deals

One of the hottest deals this season is the EMI offers festival, which allows customers to pay in EMIs upon purchase of mobile phones or television sets. Buyers will get a 10% cashback of up to Rs.2,000 when they shop for Rs.6,000.
 
6. International health insurance

There are many credit cards that offer free health insurance for customers who are on a holiday. So if you are planning to take a vacation this December or visit your family for New Year's, make the best use of such perks. What's more? You can even get a refund for cancelling a flight ticket on a non-refundable airline if you use your credit card to book the ticket.
 
7. Price protection

Since it is the holiday season and most of us are shopping for gifts, mostly online, it is easy to get lured by cheap prices and end up getting duplicate or damaged goods delivered. This is very likely because most stores and online retailers are trying to clear out old stock and hence put things on sale. But fret not. Many credit cards give customers purchase protection, which means if the goods you have purchased are damaged, you will be covered by the credit card company.
 
8. Prizes for top spenders

Credit card companies are offering a wide range of holiday prizes for top spenders. Some of this includes holiday packages to foreign countries, smartphones, gift vouchers, etc. For example, a customer can win a 2-night and 3-day holiday package to Singapore or a Rs.10,000 gift voucher.
 
To sum it up, a credit card is not just a piece of plastic, it can give a user numerous benefits if he/she knows how to use it right and make the best of all the perks and benefits, especially during the holiday season.

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