Best Credit Cards 2024 | Category-wise Credit Card Recommendation By TechnoFino

balpreet.singh · Feb 13, 2024

Dragon_slayer said:
I think Infinia got devalued recently

What devaluation are you referring to? Please enlighten all of us

Regards,

Balpreet Singh

Calm Radiance · Feb 13, 2024

balpreet.singh said:
What devaluation are you referring to? Please enlighten all of us

Regards,

Balpreet Singh

search in TF - Infinia devaluation.

nagrao · Feb 13, 2024

Personally, the data in this thread (and other threads on this website) were helpful many times.
Still many times, especially while shopping offline, I miss using a better deal like a gyftr giftcard or grabdeals etc.

I went to a hospital for a test recently and my cc got declined for some reason.
When I offered to pay thru amex, they mentioned of a discount for amex payments.
All card companies bombard us with offers thru app notifications, emails etc.. but its not possible to keep track of them
or remember at purchase time.

Is there a way to search across multiple gift card , deals, offers for cards that I am eligible for?
I want to build a website if such an option is interesting to this community. Has this been tried before?

Dragon_slayer · Feb 13, 2024

balpreet.singh said:
What devaluation are you referring to? Please enlighten all of us

Regards,

Balpreet Singh

Transfer ratios were decreased for Accor and other brands. You can check the other thread on this, as someone mentioned above

balpreet.singh · Feb 14, 2024

Dragon_slayer said:
Transfer ratios were decreased for Accor and other brands. You can check the other thread on this, as someone mentioned above

Thanks. I don't transfer to Accor so it doesn't impact me. It's a partial transfer devaluation, I won't call it devaluation ( say lower base or accelerated Reward Point ) Hence didn't follow

pranaym · Feb 16, 2024

Thanks for the detailed information

nilan · Feb 19, 2024

TechnoFino said:
Hello TFCians,
Firstly, a very Happy New Year 2024! I extend my heartfelt wishes for success and happiness to you and your family throughout the year.

As is our tradition, we are here to recommend credit cards categorized to meet your various needs. From the best credit card for online shopping, rent payment, insurance premium payment, and utility bill payment to the ideal cards for wallet loading, government payment/tax payment, international transactions, fuel expenses, offline transactions, and airport & railway lounge access – we have curated a comprehensive list for you.

In each category, I will be suggesting a range of credit cards, spanning from lifetime free options to luxurious ones, covering cashback, air miles, and reward points. Please peruse the complete list below and select the credit card that best suits your preferences.

[A humble request: If you wish to apply for any credit card from the list, kindly use the link provided at the bottom of this post, as it will contribute to supporting our community.]

[Best Credit Cards 2024 Category-wise (YouTube Video): Watch The Video On YouTube]

Best Credit Cards For Online Shopping:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 5% Cashback on Amazon For Prime Members, 3% For Non Prime Members, 1% on other website No capping
Entry Level (Fees upto Rs. 1,000) SBI Cashback Credit Card Cashback 5% Cashback Maximum cashback: Rs. 5000 per statement.
HDFC Millennia Credit Card Cashback 5% Cashback on Amazon, Flipkart, Myntra Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
Yes Marquee Credit Card Reward Points 4.50% Reward Points No capping
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles Upto 16.66% via smartbuy, 3.33% directly Maximum 15000 reward points can be earned via smarbuy portal & Maximum 200000 reward points can be earned directly per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles Upto 16.66% via smartbuy, 3.33% directly Maximum 10000 reward points can be earned via smarbuy portal & Maximum 75000 reward points can be earned directly per statement.
ICICI Emeralde Private Metal Credit Card Reward Points 3% Reward Points No capping
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Utility Bill Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 2% Cashback via Amazon Pay, 1% Cashback directly No capping
Entry Level (Fees upto Rs. 1,000) Axis ACE Credit Card Cashback 5% Cashback via Google Pay Maximum cashback: Rs. 500 per statement.
Axis Airtel Credit Card Cashback 10% Cashback via Airtel Thanks app Maximum cashback: Rs. 300 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) HDFC Tata Neu Infinity Credit Card Cashback 5% Cashback as Neu Coin Via Tata Neu App No capping
Axis Atlas Credit Card Airmiles 4% airmiles No capping
SBI Vistara Prime Credit Card Airmiles 2% CV Points No capping
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 200000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 75000 reward points can be earned per statement.
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For UPI Payments (RuPay UPI System):

Card Type Card Name Card's Reward Type Reward Minimum Transaction Value Required For Earning Rewards Capping
Lifetime Free Yes Bank RuPay UPI Credit Card (Virtual) Reward Point 1% Rs. 2001 per transaction Maximum 5000 Reward Points per statement.
Kiwi Axis Bank RuPay UPI Credit Card Cashback 1% No Capping No Capping
Entry Level (Fees upto Rs. 1,000) Kotak Myntra RuPay Credit Card Cashback 1.25% Rs. 2001 per transaction No Capping
HDFC Tata Neu Plus Credit Card Cashback 1% Neu Coin No Capping Maximum 500 Neu Coins per statement.
BOB Snapdeal Credit Card Reward Point 1% No Capping Maximum 500 Reward Points per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) HDFC Tata Neu Infinity Credit Card Cashback 1.50% Neu Coin No Capping Maximum 500 Neu Coins per statement.
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Insurance Premium Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 2% Cashback via Amazon Pay, 1% if paid directly No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Cashback Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) SC Ultimate Credit Card Reward Points 2% Reward Points No capping
SBI Vistara Prime Credit Card Airmiles 2% CV Points No capping
HDFC Tata Neu Infinity Credit Card Cashback 5% Neu Coin Via Tata Neu App Maximum 2000 neu coin per day.
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 5000 reward points can be earned per day & maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 5000 reward points can be earned per day & maximum 75,000 reward points can be earned per statement.
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Rent Payments:

Card Type Card Name Card's Reward Type Reward Fees Effective Reward Capping
Lifetime Free N/A
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% 1% + 18% GST 0.82% Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles 1% + 18% GST 2.82%* Maximum rent payment: Rs. 50000 per statement.
SC Ultimate Credit Card Reward Points 2% 1% + 18% GST 0.82% No capping
SBI Vistara Prime Credit Card Airmiles 2% CV Points Rs. 199 + GST Depends on rent amount. No capping
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Reward Points 2.50% 1% + 18% GST 1.32% No capping
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Wallet Loading:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 1% Cashback No capping
IDFC First Wealth Credit Card Reward Points 1.5% to 2.5% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Cashback Maximum Cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) SC Ultimate Credit Card Reward Points 3.33% No capping
Amex MRCC Reward Points/Airmiles Upto 10% milestone bonus just by spending Rs. 1500 per transaction, 4 times a month. No capping
Amex Gold Charge Reward Points/Airmiles Upto 10% milestone bonus just by spending Rs. 1000 per transaction, 6 times a month. No capping
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Offline Transactions:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 1% No capping
Entry Level (Fees upto Rs. 1,000) Axis ACE Credit Card Cashback 2% No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
SC Ultimate Credit Card Reward Points 3.33% No capping
Yes Marquee Credit Card Reward Points 2.25% No capping
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Maximum 75,000 reward points can be earned per statement.
ICICI Emeralde Private Metal Credit Card Reward Points 3% No capping
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Reward Points/Airmiles 3% Airmiles No capping

Best Credit Cards For Government Payments/Tax Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free IDFC First Wealth Credit Card Reward Points 1.5% to 2.5% No capping
IDFC First Select Credit Card Reward Points 1.2% to 2% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Maximum Cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
SBI Vistara Prime Credit Card Airmiles 2% CV Points No capping
SC Ultimate Credit Card Reward Points 2% No capping
YES Marquee Credit Card Reward Points 1.25% No capping
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Reward Points 2.5% No capping
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Other Online Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 1% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Maximum Cashback: Rs. 1000 per statement.
SBI Cashback Credit Card Cashback 5% Maximum Cashback: Rs. 5000 per statement.
Axis ACE Credit Card Cashback 2% No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
SC Ultimate Credit Card Reward Points 3.33% No capping
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Maximum 75,000 reward points can be earned per statement.
ICICI Emeralde Private Metal Credit Card Reward Points 3% No capping
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Fuel Purchases:

Card Type Card Name Card's Reward Type Reward Surcharge Waiver
Lifetime Free N/A
Entry Level (Fees upto Rs. 1,000) IDFC First Bank HPCL Power+ Credit Card Reward Points Earn 4% Reward Point on expenses of up to ₹10,000 every month, plus earn 1.5% value back as payback points if used via HP Pay app, upto Rs. 5000 per month. 1% surcharge waiver on expenses of up to ₹20,000 every month
Mid Range (Fees: Rs. 1001 to Rs. 5000) SBI BPCL OCTANE Credit Card Reward Points Earn 6.25% on expenses upto Rs. 10,000 per statement. 1% surcharges waiver on expenses of up to Rs 10,000 per statement.
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For International Transactions:

Card Type Card Name Card's Reward Type Reward Markup Fees Additional Benefits Effective Reward Rate Capping
Lifetime Free IDFC First WOW Credit Card Reward Points 0.67% Nil Nil 0.67% No capping
Scapia Credit Card Reward Points Nil Nil Nil Nil Not Applicable
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) RBL World Safari Credit Card Reward Points Nil Nil Spend 7.5L in a year & get reward of worth Rs. 20,500 Directly: Nil
Milestone: 2.73% (If you spend 7.5L in a year) Not Applicable
BOB Eterna Credit Card Reward Points/Cashback 3.75% (Online) 2% + GST Nil 1.39% Maximum expenses upto Rs 33,350
Yes Marquee Credit Card Reward Points 4.5% (online) & 2.25% (offline) 1% + GST Nil 3.32% (online) & 1.07% (offline) No capping
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Reward Points 5% 0.50% + GST Nil 4.41% No capping
HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% 2% + GST Global Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement 1.97% 1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% 2% + GST Global Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement 1.97% 1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Reward Points/Airmiles 6% Airmiles 1.50% + GST Nil 4.23% Airmiles* No capping

Best Credit Cards For Domestic Airport Lounge Access:

Card Type Card Name Domestic Lounge Limit Spend Requirements Available For Add-on Card Holders (Y/N) Guest Access
Lifetime Free Scepia Credit Card Unlimited Rs. 5000 in a month No Not Available
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) BOB Eterna Credit Card Unlimited Nil Yes, Unlimited Not Available
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
HDFC Infinia Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
HDFC Diners Club Black Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
ICICI Emeralde Private Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
Axis Magnus Credit Card Unlimited Nil Yes, Unlimited Not Available
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access

Best Credit Cards For International Airport Lounge Access:

Card Type Card Name Domestic Lounge Limit Spend Requirements Available For Add-on Card Holders (Y/N) Guest Access
Lifetime Free N/A
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) Yes Marquee Credit Card Unlimited Nil Yes, Unlimited Not Available
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
HDFC Infinia Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
HDFC Diners Club Black Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
ICICI Emeralde Private Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
Axis Magnus Credit Card Unlimited Nil No 8 Free guest access
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access

Best Credit Cards For Railway Lounge Access:

Card Type Card Name Domestic Lounge Limit Spend Requirements
Lifetime Free IDFC First Millennia Credit Card 4 per quarter Nil
IDFC First Classic Credit Card 4 per quarter
IDFC First Select Credit Card 4 per quarter
IDFC First Wealth Credit Card 4 per quarter
ICICI MMT Credit Card 1 per quarter Nil
ICICI MMT Black Credit Card 1 per quarter Nil
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) N/A
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

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So, those are some of the best credit cards available in the Indian market right now. Select the best card for you and earn amazing rewards from your spending. And don't forget to apply for a credit card using our affiliate link, so that you contribute to running this community website.
Happy reward earning!
Cheers 🥂

Many thanks @TechnoFino. Please suggest cards for College fee payment.

Deleted member 23535 · Feb 19, 2024

nilan said:
Many thanks @TechnoFino. Please suggest cards for College fee payment.

+1
Me 2 looking 4 education fee

brightknight · Feb 22, 2024

any inputs for Offline jewellery purchase?

raghavendran · Feb 23, 2024

TechnoFino said:
Hello TFCians,
Firstly, a very Happy New Year 2024! I extend my heartfelt wishes for success and happiness to you and your family throughout the year.

As is our tradition, we are here to recommend credit cards categorized to meet your various needs. From the best credit card for online shopping, rent payment, insurance premium payment, and utility bill payment to the ideal cards for wallet loading, government payment/tax payment, international transactions, fuel expenses, offline transactions, and airport & railway lounge access – we have curated a comprehensive list for you.

In each category, I will be suggesting a range of credit cards, spanning from lifetime free options to luxurious ones, covering cashback, air miles, and reward points. Please peruse the complete list below and select the credit card that best suits your preferences.

[A humble request: If you wish to apply for any credit card from the list, kindly use the link provided at the bottom of this post, as it will contribute to supporting our community.]

[Best Credit Cards 2024 Category-wise (YouTube Video): Watch The Video On YouTube]

Best Credit Cards For Online Shopping:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 5% Cashback on Amazon For Prime Members, 3% For Non Prime Members, 1% on other website No capping
Entry Level (Fees upto Rs. 1,000) SBI Cashback Credit Card Cashback 5% Cashback Maximum cashback: Rs. 5000 per statement.
HDFC Millennia Credit Card Cashback 5% Cashback on Amazon, Flipkart, Myntra Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
Yes Marquee Credit Card Reward Points 4.50% Reward Points No capping
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles Upto 16.66% via smartbuy, 3.33% directly Maximum 15000 reward points can be earned via smarbuy portal & Maximum 200000 reward points can be earned directly per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles Upto 16.66% via smartbuy, 3.33% directly Maximum 10000 reward points can be earned via smarbuy portal & Maximum 75000 reward points can be earned directly per statement.
ICICI Emeralde Private Metal Credit Card Reward Points 3% Reward Points No capping
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Utility Bill Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 2% Cashback via Amazon Pay, 1% Cashback directly No capping
Entry Level (Fees upto Rs. 1,000) Axis ACE Credit Card Cashback 5% Cashback via Google Pay Maximum cashback: Rs. 500 per statement.
Axis Airtel Credit Card Cashback 10% Cashback via Airtel Thanks app Maximum cashback: Rs. 300 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) HDFC Tata Neu Infinity Credit Card Cashback 5% Cashback as Neu Coin Via Tata Neu App No capping
Axis Atlas Credit Card Airmiles 4% airmiles No capping
SBI Vistara Prime Credit Card Airmiles 2% CV Points No capping
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 200000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 75000 reward points can be earned per statement.
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For UPI Payments (RuPay UPI System):

Card Type Card Name Card's Reward Type Reward Minimum Transaction Value Required For Earning Rewards Capping
Lifetime Free Yes Bank RuPay UPI Credit Card (Virtual) Reward Point 1% Rs. 2001 per transaction Maximum 5000 Reward Points per statement.
Kiwi Axis Bank RuPay UPI Credit Card Cashback 1% No Capping No Capping
Entry Level (Fees upto Rs. 1,000) Kotak Myntra RuPay Credit Card Cashback 1.25% Rs. 2001 per transaction No Capping
HDFC Tata Neu Plus Credit Card Cashback 1% Neu Coin No Capping Maximum 500 Neu Coins per statement.
BOB Snapdeal Credit Card Reward Point 1% No Capping Maximum 500 Reward Points per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) HDFC Tata Neu Infinity Credit Card Cashback 1.50% Neu Coin No Capping Maximum 500 Neu Coins per statement.
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Insurance Premium Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 2% Cashback via Amazon Pay, 1% if paid directly No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Cashback Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) SC Ultimate Credit Card Reward Points 2% Reward Points No capping
SBI Vistara Prime Credit Card Airmiles 2% CV Points No capping
HDFC Tata Neu Infinity Credit Card Cashback 5% Neu Coin Via Tata Neu App Maximum 2000 neu coin per day.
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 5000 reward points can be earned per day & maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 5000 reward points can be earned per day & maximum 75,000 reward points can be earned per statement.
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Rent Payments:

Card Type Card Name Card's Reward Type Reward Fees Effective Reward Capping
Lifetime Free N/A
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% 1% + 18% GST 0.82% Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles 1% + 18% GST 2.82%* Maximum rent payment: Rs. 50000 per statement.
SC Ultimate Credit Card Reward Points 2% 1% + 18% GST 0.82% No capping
SBI Vistara Prime Credit Card Airmiles 2% CV Points Rs. 199 + GST Depends on rent amount. No capping
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Reward Points 2.50% 1% + 18% GST 1.32% No capping
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Wallet Loading:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 1% Cashback No capping
IDFC First Wealth Credit Card Reward Points 1.5% to 2.5% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Cashback Maximum Cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) SC Ultimate Credit Card Reward Points 3.33% No capping
Amex MRCC Reward Points/Airmiles Upto 10% milestone bonus just by spending Rs. 1500 per transaction, 4 times a month. No capping
Amex Gold Charge Reward Points/Airmiles Upto 10% milestone bonus just by spending Rs. 1000 per transaction, 6 times a month. No capping
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Offline Transactions:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 1% No capping
Entry Level (Fees upto Rs. 1,000) Axis ACE Credit Card Cashback 2% No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
SC Ultimate Credit Card Reward Points 3.33% No capping
Yes Marquee Credit Card Reward Points 2.25% No capping
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Maximum 75,000 reward points can be earned per statement.
ICICI Emeralde Private Metal Credit Card Reward Points 3% No capping
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Reward Points/Airmiles 3% Airmiles No capping

Best Credit Cards For Government Payments/Tax Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free IDFC First Wealth Credit Card Reward Points 1.5% to 2.5% No capping
IDFC First Select Credit Card Reward Points 1.2% to 2% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Maximum Cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
SBI Vistara Prime Credit Card Airmiles 2% CV Points No capping
SC Ultimate Credit Card Reward Points 2% No capping
YES Marquee Credit Card Reward Points 1.25% No capping
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Reward Points 2.5% No capping
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Other Online Payments:

Card Type Card Name Card's Reward Type Reward Capping
Lifetime Free Amazon Pay ICICI Credit Card Cashback 1% No capping
Entry Level (Fees upto Rs. 1,000) SC Smart Credit Card Cashback 2% Maximum Cashback: Rs. 1000 per statement.
SBI Cashback Credit Card Cashback 5% Maximum Cashback: Rs. 5000 per statement.
Axis ACE Credit Card Cashback 2% No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000) Axis Atlas Credit Card Airmiles 4% Airmiles No capping
SC Ultimate Credit Card Reward Points 3.33% No capping
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Maximum 75,000 reward points can be earned per statement.
ICICI Emeralde Private Metal Credit Card Reward Points 3% No capping
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For Fuel Purchases:

Card Type Card Name Card's Reward Type Reward Surcharge Waiver
Lifetime Free N/A
Entry Level (Fees upto Rs. 1,000) IDFC First Bank HPCL Power+ Credit Card Reward Points Earn 4% Reward Point on expenses of up to ₹10,000 every month, plus earn 1.5% value back as payback points if used via HP Pay app, upto Rs. 5000 per month. 1% surcharge waiver on expenses of up to ₹20,000 every month
Mid Range (Fees: Rs. 1001 to Rs. 5000) SBI BPCL OCTANE Credit Card Reward Points Earn 6.25% on expenses upto Rs. 10,000 per statement. 1% surcharges waiver on expenses of up to Rs 10,000 per statement.
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

Best Credit Cards For International Transactions:

Card Type Card Name Card's Reward Type Reward Markup Fees Additional Benefits Effective Reward Rate Capping
Lifetime Free IDFC First WOW Credit Card Reward Points 0.67% Nil Nil 0.67% No capping
Scapia Credit Card Reward Points Nil Nil Nil Nil Not Applicable
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) RBL World Safari Credit Card Reward Points Nil Nil Spend 7.5L in a year & get reward of worth Rs. 20,500 Directly: Nil
Milestone: 2.73% (If you spend 7.5L in a year) Not Applicable
BOB Eterna Credit Card Reward Points/Cashback 3.75% (Online) 2% + GST Nil 1.39% Maximum expenses upto Rs 33,350
Yes Marquee Credit Card Reward Points 4.5% (online) & 2.25% (offline) 1% + GST Nil 3.32% (online) & 1.07% (offline) No capping
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Reward Points 5% 0.50% + GST Nil 4.41% No capping
HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% 2% + GST Global Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement 1.97% 1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% 2% + GST Global Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement 1.97% 1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Reward Points/Airmiles 6% Airmiles 1.50% + GST Nil 4.23% Airmiles* No capping

Best Credit Cards For Domestic Airport Lounge Access:

Card Type Card Name Domestic Lounge Limit Spend Requirements Available For Add-on Card Holders (Y/N) Guest Access
Lifetime Free Scepia Credit Card Unlimited Rs. 5000 in a month No Not Available
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) BOB Eterna Credit Card Unlimited Nil Yes, Unlimited Not Available
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
HDFC Infinia Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
HDFC Diners Club Black Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
ICICI Emeralde Private Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
Axis Magnus Credit Card Unlimited Nil Yes, Unlimited Not Available
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access

Best Credit Cards For International Airport Lounge Access:

Card Type Card Name Domestic Lounge Limit Spend Requirements Available For Add-on Card Holders (Y/N) Guest Access
Lifetime Free N/A
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) Yes Marquee Credit Card Unlimited Nil Yes, Unlimited Not Available
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access
HDFC Infinia Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
HDFC Diners Club Black Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
ICICI Emeralde Private Metal Credit Card Unlimited Nil Yes, Unlimited Not Available
Axis Magnus Credit Card Unlimited Nil No 8 Free guest access
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Unlimited Nil Yes, Unlimited 12 Free guest access

Best Credit Cards For Railway Lounge Access:

Card Type Card Name Domestic Lounge Limit Spend Requirements
Lifetime Free IDFC First Millennia Credit Card 4 per quarter Nil
IDFC First Classic Credit Card 4 per quarter
IDFC First Select Credit Card 4 per quarter
IDFC First Wealth Credit Card 4 per quarter
ICICI MMT Credit Card 1 per quarter Nil
ICICI MMT Black Credit Card 1 per quarter Nil
Entry Level (Fees upto Rs. 1,000) N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000) N/A
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) N/A

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So, those are some of the best credit cards available in the Indian market right now. Select the best card for you and earn amazing rewards from your spending. And don't forget to apply for a credit card using our affiliate link, so that you contribute to running this community website.
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hdfcmilleniaa earning cashback of 5%through amazon utility payments whereas amazon pay icici 2% of amazon utility payments .overall hdfc millenia card good for frequent amazon users

sivan · Feb 24, 2024

brightknight said:
any inputs for Offline jewellery purchase?

Amazon icici giving 1 % cb as a. pay

sumeet · Feb 24, 2024

brightknight said:
any inputs for Offline jewellery purchase?

For Tanishq, Tata neu infinity is best. for others may look for sc ultimate or infinia

Harish Agarwal · Feb 27, 2024

D₹V said:
Hope it's not a paid post

FYI: Basic Kotak Savings Everyday RuPay Platinum DC offers 30% upto 1000 (2 times pm ig) per month

Maybe

And how much valueback you're getting on your accomulated spends?

P.s. I'm talking about normal Magnus only.

IMO, Axis is still a unreliable bank.
Wallet, Rent, Govt, Even Education don't fetch rewards. Acceptable 😸 but it doesn't count under Annual waiver milestone too 💩. No bank have excluded these for waiver atleast.

For 10k + GST annual fees, 25L spends is too much, lmao, isn't it? I believe 95% of magnus holders can't reach waiver milestone due to exclusions.

So it's not worth.

And for Burgundy, it's LTF for meanwhile. They're paying 60k₹ annual fees too (by one-another way).

Why are you loving it? 😂

I know it has premium features & benefits 😉. That's fine but it's overrated card now (both Burgundy + Normal).

Another way of saying G

Bro.. till now used only 10k rupees in itc restaurant payment. 38k in accor stay. Made a 72k booking in rishikesh via marriot bonvoy. (But had to cancel due to health issues.) . But overall I am confident that my current year points will fetch ne around 6 lakh if axis doesn't make any major changes. Raffles udaipur is 4 hours drive from my house. Planning to go there with my family of 8 .

D₹V · Feb 27, 2024

Harish Agarwal said:
Bro.. till now used only 10k rupees in itc restaurant payment. 38k in accor stay. Made a 72k booking in rishikesh via marriot bonvoy. (But had to cancel due to health issues.) . But overall I am confident that my current year points will fetch ne around 6 lakh if axis doesn't make any major changes. Raffles udaipur is 4 hours drive from my house. Planning to go there with my family of 8 .

Great for you bro.

Get well soon 🙏.

sahil624 · Feb 27, 2024

Any card which gives reward points for rent payment?? HDFC through HDFCbillpay also has stopped giving.

sid16 · Feb 27, 2024

sahil624 said:
Any card which gives reward points for rent payment?? HDFC through HDFCbillpay also has stopped giving.

Load PayZapp wallet using IDFCFirst Wealth CC and pay rent using PayZapp wallet via RedGiraffe.

Dragon_slayer · Feb 27, 2024

Harish Agarwal said:
Bro.. till now used only 10k rupees in itc restaurant payment. 38k in accor stay. Made a 72k booking in rishikesh via marriot bonvoy. (But had to cancel due to health issues.) . But overall I am confident that my current year points will fetch ne around 6 lakh if axis doesn't make any major changes. Raffles udaipur is 4 hours drive from my house. Planning to go there with my family of 8 .

Did you booked multiple rooms for 8 people? or added extra beds. Please share some details. Thanks

ancientplayer · Mar 4, 2024

sid16 said:
Load PayZapp wallet using IDFCFirst Wealth CC and pay rent using PayZapp wallet via RedGiraffe.

Is there any card which gives more than 2% cashback on wallet load??Does AU LIT gives 5% on activating that segment??

Vishal4u2 · Mar 9, 2024

ancientplayer said:
Is there any card which gives more than 2% cashback on wallet load??Does AU LIT gives 5% on activating that segment??

HDFC Millenia CC give 5% upto 1K

ancientplayer · Mar 9, 2024

Vishal4u2 said:
HDFC Millenia CC give 5% upto 1K

AFAIK it gives only 1% cb for wallet load on payzapp

Best Credit Cards 2024 | Category-wise Credit Card Recommendation By TechnoFino

TF Select

TF Premier

TF Buzz

TF Premier

TF Select

TF Buzz

TF Buzz

TF Premier

TF Ace

TF Neo

TF Buzz

TF Buzz

TF Buzz

TF Prestige

TF Premier

TF Premier

TF Premier

TF Buzz

TF Buzz

TF Buzz

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