Diwali Offers for Credit Cards in 2024

When used responsibly, there are multiple benefits to using your credit card for Diwali purchases. Here are the top 5 benefits: 

• More value for money: Credit cards offer generous reward points, cashbacks, and discounts during the Diwali season. These can help you save money in the long run no matter how much you spend at present. 
• Interest-free purchases: Zero-interest EMI payment options offered by credit cards make it easier to indulge in those big-ticket purchases while making it more convenient to pay it back in instalments but without incurring additional interest. 
• Exclusive discounts on co-branded credit cards: E-commerce platforms and retail outlets tie up with banks to offer exclusive deals on their co-branded credit cards during the festive season. 
• More convenience: You can buy what you want in a convenient and stress-free manner without worrying about having enough cash on hand. 
• Enhance your credit score: Paying your credit card bills within the interest-free payment period helps to maintain and boost your credit score/credit profile, so the more you spend on your credit card during Diwali, the more it can enhance your credit score (as long as you pay your bills on time!). Having a high credit score not only makes it easier to get better interest rates on loans but also makes it more likely to get a higher credit limit.

How to Make the Most of Your Credit Card for Diwali 2024

Using your credit card wisely can help you maximize the benefits and value. Here are the most effective ways to do this: 

• Use multiple credit cards for all Diwali purchases (see section below for more on this). 
• Use co-branded credit cards that will offer higher reward points or cashbacks for specific categories. 
• Make sure you keep track of your credit card spends so that you don't exceed your credit utilisation ratio.

Diwali Offers for Credit Cards

HSBC Diwali Credit Card Offer

The Diwali offers on HSBC Credit Card are given below:

1. Earn an Rs.3 lakh travel certificate, an iPhone 16 Pro, an iPad, or an Rs.10,000 Amazon gift card by using your credit card. To register, text 'HFEST' to 575750. Offer ends on 19 December 2024.
2. Use your HSBC credit card at Amazon to save up to Rs.9,000. The offer ends on 29 October 2024.
3. Use MakeMyTrip to save up to 35% on both domestic and international travel. On Fridays, Saturdays, and Sundays, make your reservation via the MakeMyTrip app or website. Offer ends on 31 December 2024.
4. When you book through the Goibibo website or app, you can save up to 15% on both domestic and international travel. Offer ends on 31 December 2024.
5. Save up to 12% on reservations for hotels and flights. 15% off meals and drink and duty-free shopping when booking is made on the Adani One platform. The offer is good from 1 October 2024 to 31 December 2024.
6. When you use the HSBC Credit Card's fast EMI payment options to book a trip on EaseMyTrip, you can save up to Rs.10,000 on your next vacation. Offer ends on 31 December 2024.
7. Use the Yatra app or website to book hotels and flights both domestically and internationally and save up to Rs.6,000. Offer ends on 31 December 2024.
8. When you purchase a variety of appliances and electronic devices on a Saturday or Sunday through Croma, you can save up to Rs.5,000. The offer ends on 29 December 2024.
9. Purchasing Daikin air conditioners can save you up to Rs.2,500. The offer ends on 31 December 2024.
10. Shop at JioMart Digital, My Jio Stores, and Reliance Digital to save up to Rs. 3,000 on electronics. The offer is not available from 14 October 2024 to 24 October 2024. The expiration date is 31 December 2024.
11. When shopping at Vijay Sales, use your HSBC credit card to receive 7.5% off your choice electronics up to INR 5,000. Offer ends on 15 November 2024.
12. Take advantage of a Saturday movie ticket sale when you purchase your ticket on BookMyShow with an HSBC credit card. The offer ends on 31 December 2024.
13. Use your HSBC Credit Card to receive 10% off HSBC GOLD tickets, food, and drinks at specific PVR theatres. The offer ends on 31 December 2024.
14. When you use your HSBC credit card at EazyDiner, you can save up to 30%. The discount is good through 31 December 2024.
15. Save up to Rs.150 on Instamart orders every day of the week and 10% on Swiggy food delivery. The discount is good through 31 December 2024.

SBI Diwali Credit Card offer

The Diwali offers on SBI Credit Card are given below:

1. Get an immediate 20% off Bosch.
   
2. Instant savings of up to 22.5% on Haier.
   
3. On Samsung devices, get cashback of up to Rs.25000 and cashback of up to 27.5%.
4. 10% off Oppo mobile devices.
5. Get a 10% discount with cashback of up to Rs. 16,000 on Vivo devices.

1. Get a 10% discount on booking flight tickets through the Adani One platform. Validity of the scheme is till 29 November 2024.
2. Get a discount of up to Rs.10,000 on purchasing Apple products.
3. Get a 5% discount with maximum up to Rs.5,000 on shopping at Fashion Factory.
4. Get a 20% discount on purchasing Godrej items.
5. Get up to Rs.10,000 as discount on purchasing HP items.
6. Get a 20% discount on shopping at IFB.
7. Get a discount of 32.5% on purchasing LG items.
8. Get a 10% discount on shopping at Lifestyle.
9. Get a 22.5% discount on purchasing Lloyd items.
10. Get a 20% discount on purchasing Panasonic devices.
11. Get 10% discount on restaurant deals on PayTM.
12. Get a 5% discount of Trends.
13. Get a 10% discount on buying a Sony item.
14. Get a discount of Rs.100 when ordering food from Swiggy.
15. Earn a 20% discount on purchasing Whirlpool items.
16. Book flights on the Yatra website or app and get a discount of Rs.599.

Kotak Bank of India Diwali Credit Card offer

The Diwali offers on Kotak Mahindra Bank Credit Card are given below:

1. Samsung is offering cashback of up to Rs 25,000 on Kotak credit card EMIs.
2. On Kotak credit card EMIs at IFB, get 20% cashback up to Rs 9,000.
3. Whirlpool offers a 15% discount on Kotak credit card EMIs up to Rs 7,500.
4. Yatra.com is offering up to Rs 5,000 in cashback on Kotak credit card EMIs.
5. With Kotak credit cards, you may get up to Rs 1,500 in fast savings on domestic travel and up to Rs 5,000 in instant savings on international travel.

ICICI Bank Diwali Credit Card offer

The Diwali offers on ICICI Bank Credit Card are given below:

1. 10% Cashback on Kotak Debit Card EMI and Smart EMI Cards up to Rs. 7000 on shopping from Bosch and Siemens.
2. Use Kotak Credit Cards to receive up to Rs.10,000 in immediate cashback on Apple items.
3. Use Kotak Mahindra Bank credit cards to receive an immediate discount of up to Rs.20,000 on Oneplus.
4. Instant credit card discounts of up to 10% are available when purchasing from Croma.

Axis Bank Diwali Credit Card offer

The Diwali offers on Axis Bank Credit Card are given below: 

1. Myntra offers a flat Rs. 250 discounts.
2. 15% reward on UPI CC transactions for hotels and airfares with cashback of up to Rs. 5,000 on TBZ.
3. Save up to Rs. 1,000 with a 5% discount when you shop at FabIndia.
4. Get a 20% discount up to Rs. 1,500 on EazyDiner.
5. Up to Rs. 10,000 off on buying Motorola items.
6. 10% off at House of Anita Dongre up to Rs. 7,000
7. 15% off GoIbibo flights and accommodation reservations.

AU Bank Diwali Credit Card offer

The Diwali offers on AU Small Finance Bank Credit Card are given below:

1. Visit the nearest Croma showroom to purchase an iPhone 14 and get Rs.4,000 off. Validity till 3 November 2024.
2. Ajio offers a flat 400 rupee discount on orders with a minimum of Rs. 2500.
3. Zepto offers a flat Rs. 50 discount on groceries.
4. Save up to 15% when using AU credit and debit cards to book travel with MakeMyTrip.
5. Use your AU credit card to receive a flat 20% discount on INOX or PVR movie tickets. Use AU credit cards to get 5% off groceries instantly on the Blinkit app.
6. 5% off Zomato meal orders when you use an AU credit card.

Three Benefits of Using Multiple Credit Cards for Diwali Spends 

If you have more than one credit card, make sure to spread out your spends across all of them. There are various benefits for this: 

• The reward points or discounts offered on each card can be different for different categories. For example, if you're driving down to your native place, use the credit card that offers maximum points on fuel purchases. If you're spending on entertainment to treat your family to a Diwali movie, use a card that offers discounts or freebies for such spends. This will help you get more value for your money. 
• Using multiple credit cards also helps to make sure you don’t overspend on just one and keeps your Credit Utilisation Ratio within limits (below 30% is what financial experts suggest). 
• It helps you get different interest-free periods on different purchases, which makes it easier to manage your budget in the long run.

Diwali Celebrations with Credit Cards 

With the wise use of credit cards, you can enjoy Diwali with even more grandeur, showering your loved ones with gifts that light up their faces while making your own wish list a reality. You can find out all about the latest Diwali 2024 credit card offers by various banks, whether standalone co-branded cards, right here on BankBazaar.