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

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. 250 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
	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.
	HDFC Biz Black Credit Card	Reward Points/Airmiles	Upto 16.67% Reward Points	Minimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month.
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
	IndusInd Rupay Platinum Credit Card	Reward Points	0.7% (Cashback)/ 2% (Vistara CV Points)	Rs 100 per transaction	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)	SC Ultimate Credit Card	Reward Points	2%	1% + 18% GST	0.82%	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	ICICI Amazon Pay Credit Card	Cashback	1%	No capping
	IDFC First Wealth Credit Card	Reward Points	0.5%	No capping
	IDFC First Select Credit Card	Reward Points	0.5%	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)	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.
	HDFC Biz Black Credit Card	Reward Points/Airmiles	3.33%	No Capping
	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 5% Reward Point on expenses of up to ₹12,000 every month, plus earn 1.5% value back as HP Happy Coins if used via HP Pay app, upto Rs. 10000 per month.	Not Available
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	Nil
	IDFC First Select Credit Card	4 per quarter	Nil
	IDFC First Wealth Credit Card	4 per quarter	Nil
	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 🥂

 

[Ankur dhanda]

actually no, plastic is not automatically upgraded. I spoke to the RM, he said these are 2 different cards but with same name.

I have metal card and my wife has plastic.
We both are getting 3 points per 100 INR

 

[srikbs8095]

I have metal card and my wife has plastic.
We both are getting 3 points per 100 INR

oh damn, you're right, I guess he didn't know what he was talking about. My next question - does the unlimited lounge access also extend to the old Premier cards?

 

[arunkd386]

Does Hsbc cashback work for offline grocery stores too?

Yes.. It works for offline stores

 

[Ankur dhanda]

oh damn, you're right, I guess he didn't know what he was talking about. My next question - does the unlimited lounge access also extend to the old Premier cards?

Both of them have the same benefits exactly. Got that in mail.

 

[Harish Agarwal]

Le Magnus Holders:

I still belive that magnus burgundy is a great option in gift edge as well as in various offline transactions. It's is best when your have planned more than 5 lakh rupees transaction in a particular calender month. Don't forget the eazy diner membership with upto 3000 discount on birthday month and 1000 discount every month. I bought car worth 18 lakh with this card and ended up paying around 40k as transaction charges. But got around 3 lakh reward points. In rent ,education and insurance this card seems great to me and best if 1.5 lakh threshold is crossed. In travel it gives 60 reward points For every 200 spent which is also one of the best. One can buy amazon pay vouchers every month . Last month they were giving 10x reward points for luxe giftcard.(you can fetch upto 80% return in best case scenario). I did a 30lakh f.d. in axis for burgundy at mere 7.1% interest rate. As per baniya calculations this f.d. costs me around 60k per year.

 

[D₹V]

I still belive that magnus burgundy is a great option

Hope it's not a paid post

Don't forget the eazy diner membership with upto 3000 discount on birthday month and 1000 discount every month

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

In rent ,education and insurance this card seems great

Maybe

I did a 30lakh f.d. in axis for burgundy at mere 7.1% interest rate. As per baniya calculations this f.d. costs me around 60k per year.

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 GM 😜.

 

[Superxan]

Fantastic list.
Shouldn't Eterna be mentioned in wallet load caregory?

Eterna doesn't give good returns on Wallet loads anymore.

 

[aashishvanand]

ICICI Emeralde Private is good for Insurance, Utilities, and Education. Correct me if I am wrong. @TechnoFino
There is a capping.

	Points/Month (Capping)	Max Spent
Insurance	5000	₹166,666.67
Grocery	1000	₹33,333.33
Utilities	1000	₹33,333.33
Education	1000	₹33,333.33

 

[kishorvr]

Here are the best credit cards across most categories. I made this list to help me decide which to get.

Num	Cards	Category names
8	HDFC Infinia cc (From ₹5,001 to ₹12,500)	Online shopping, utility pay, insurance, offline spends, other online spends, international transactions, domestic airport lounge, international airport lounge
8	HDFC Diners Club Black cc (From ₹5,001 to ₹12,500)	Online shopping, utility pay, insurance, offline spends, other online spends, international transactions, domestic airport lounge, international airport lounge
6	Amazon Pay ICICI cc (Lifetime free)	Online shopping, utility bill pay, insurance, wallet, offline spends, other online spends
6	Axis Atlas cc (From ₹1,001 to ₹5,000)	Online shopping, utility pay, rent, offline spends, govt & tax payment, other online spends
6	SC Ultimate cc (From ₹1,001 to ₹5,000)	Insurance, rent, wallet, offline spends, govt & tax payment, other online spends
5	SC Smart cc (Upto ₹1,000)	Insurance, rent, wallet, govt & tax payment, other online spends
5	Yes Marquee cc (From ₹1,001 to ₹5,000)	Online shopping, offline spends, govt & tax payment, International transactions, international airport lounge
5	Yes Private cc (From ₹5,001 to ₹12,500)	Rent, govt & tax payment, International transactions, domestic airport lounge, international airport lounge
5	ICICI Emeralde Private cc (From ₹5,001 to ₹12,500)	Online shopping, offline spends, other online spends, domestic airport lounge, international airport lounge
4	SBI Vistara Prime cc (From ₹1,001 to ₹5,000)	Utility pay, insurance, rent, govt & tax payment
4	Axis Reserve cc (Above ₹12,500)	Offline spends, International transactions, domestic airport lounge, international airport lounge
3	IDFC First Wealth cc (Lifetime free)	Wallet, govt & tax payment, railway lounge
3	Axis Ace cc (Upto ₹1,000)	Utility pay, offline spends, other online spends
3	HDFC Tata Neu Infinity cc (From ₹1,001 to ₹5,000)	Utility pay, UPI, insurance
2	IDFC First Select cc (Lifetime free)	Govt & tax payment, railway lounge
2	Scapia cc (Lifetime free)	International transactions, domestic airport lounge
2	SBI Cashback cc (Upto ₹1,000)	Online shopping, other online spends
2	BoB Eterna cc (From ₹1,001 to ₹5,000)	International transactions, domestic airport lounge
2	Axis Magnus (From ₹5,001 to ₹12,500)	Domestic airport lounge, international airport lounge
1	Yes Bank Rupay UPI virtual cc (Lifetime free)	UPI
1	Kiwi Axis Bank Rupay UPI cc (Lifetime free)	UPI
1	IDFC First Wow cc (Lifetime free)	International transactions
1	IDFC First Millennia cc (Lifetime free)	Railway lounge
1	IDFC First Classic cc (Lifetime free)	Railway lounge
1	ICICI MMT cc (Lifetime free)	Railway lounge
1	ICICI MMT Black cc (Lifetime free)	Railway lounge
1	HDFC Millennia cc (Upto ₹1,000)	Online shopping
1	Axis Airtel cc (Upto ₹1,000)	Utility pay
1	Kotak Myntra Rupay cc (Upto ₹1,000)	UPI
1	HDFC Tata Neu Plus cc (Upto ₹1,000)	UPI
1	BoB Snapdeal cc (Upto ₹1,000)	UPI
1	IDFC First HPCL Power+ cc (Upto ₹1,000)	Fuel
1	Amex MRCC (From ₹1,001 to ₹5,000)	Wallet
1	Amex Gold Charge (From ₹1,001 to ₹5,000)	Wallet
1	SBI BPCL Octane cc (From ₹1,001 to ₹5,000)	Fuel
1	RBL World Safari cc (From ₹1,001 to ₹5,000)	International transactions

 

[mechanism_chronically]

Add miscellaneous categories like best credit card for groceries/supermarket, I think SCB Manhattan is the king of supermarkets with 5% cashback up to 500

Hsbc 10% till 1000 per cycle

 

[deep@vie]

Scapia has a typing mistake instead of 5000 you wrote 50k

Even Scapia spelling in affiliate link is Scepia

 

[Deleted member 23535]

Here are the best credit cards across most categories. I made this list to help me decide which to get.

Num	Cards	Category names
8	HDFC Infinia cc (From ₹5,001 to ₹12,500)	Online shopping, utility pay, insurance, offline spends, other online spends, international transactions, domestic airport lounge, international airport lounge
8	HDFC Diners Club Black cc (From ₹5,001 to ₹12,500)	Online shopping, utility pay, insurance, offline spends, other online spends, international transactions, domestic airport lounge, international airport lounge
6	Amazon Pay ICICI cc (Lifetime free)	Online shopping, utility bill pay, insurance, wallet, offline spends, other online spends
6	Axis Atlas cc (From ₹1,001 to ₹5,000)	Online shopping, utility pay, rent, offline spends, govt & tax payment, other online spends
6	SC Ultimate cc (From ₹1,001 to ₹5,000)	Insurance, rent, wallet, offline spends, govt & tax payment, other online spends
5	SC Smart cc (Upto ₹1,000)	Insurance, rent, wallet, govt & tax payment, other online spends
5	Yes Marquee cc (From ₹1,001 to ₹5,000)	Online shopping, offline spends, govt & tax payment, International transactions, international airport lounge
5	Yes Private cc (From ₹5,001 to ₹12,500)	Rent, govt & tax payment, International transactions, domestic airport lounge, international airport lounge
5	ICICI Emeralde Private cc (From ₹5,001 to ₹12,500)	Online shopping, offline spends, other online spends, domestic airport lounge, international airport lounge
4	SBI Vistara Prime cc (From ₹1,001 to ₹5,000)	Utility pay, insurance, rent, govt & tax payment
4	Axis Reserve cc (Above ₹12,500)	Offline spends, International transactions, domestic airport lounge, international airport lounge
3	IDFC First Wealth cc (Lifetime free)	Wallet, govt & tax payment, railway lounge
3	Axis Ace cc (Upto ₹1,000)	Utility pay, offline spends, other online spends
3	HDFC Tata Neu Infinity cc (From ₹1,001 to ₹5,000)	Utility pay, UPI, insurance
2	IDFC First Select cc (Lifetime free)	Govt & tax payment, railway lounge
2	Scapia cc (Lifetime free)	International transactions, domestic airport lounge
2	SBI Cashback cc (Upto ₹1,000)	Online shopping, other online spends
2	BoB Eterna cc (From ₹1,001 to ₹5,000)	International transactions, domestic airport lounge
2	Axis Magnus (From ₹5,001 to ₹12,500)	Domestic airport lounge, international airport lounge
1	Yes Bank Rupay UPI virtual cc (Lifetime free)	UPI
1	Kiwi Axis Bank Rupay UPI cc (Lifetime free)	UPI
1	IDFC First Wow cc (Lifetime free)	International transactions
1	IDFC First Millennia cc (Lifetime free)	Railway lounge
1	IDFC First Classic cc (Lifetime free)	Railway lounge
1	ICICI MMT cc (Lifetime free)	Railway lounge
1	ICICI MMT Black cc (Lifetime free)	Railway lounge
1	HDFC Millennia cc (Upto ₹1,000)	Online shopping
1	Axis Airtel cc (Upto ₹1,000)	Utility pay
1	Kotak Myntra Rupay cc (Upto ₹1,000)	UPI
1	HDFC Tata Neu Plus cc (Upto ₹1,000)	UPI
1	BoB Snapdeal cc (Upto ₹1,000)	UPI
1	IDFC First HPCL Power+ cc (Upto ₹1,000)	Fuel
1	Amex MRCC (From ₹1,001 to ₹5,000)	Wallet
1	Amex Gold Charge (From ₹1,001 to ₹5,000)	Wallet
1	SBI BPCL Octane cc (From ₹1,001 to ₹5,000)	Fuel
1	RBL World Safari cc (From ₹1,001 to ₹5,000)	International transactions

For all cards you mentioned from some rs to some rs , what is it ?

 

[zoom.wale.bhaiya]

Suprise to see omission of Magnus and Reserve in many categories.

IIRC Amazon Pay doesn't allow credit card as payment mode for insurance premium payment. So getting 2% using Amazon Pay ICICI Credit Card is not possible.

Just needed a clarification..if i pay my insurance premium of more than 1L on Amazon pay with ICICI Amazon pay card, will i get 2% cashback or not? Or if i pay directly on insurance website using Amazon pay cr card will i get atleast 1% cashback? Txs

 

[kishorvr]

For all cards you mentioned from some rs to some rs , what is it ?

That is annual fee.

 

[Subhajeet]

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

whats the ig please

 

[Abhishek012]

Best Credit Cards For Rotate Money and Transfer to Bank bhi daal dete.

 

[paresh22]

whats the ig please

That mean I guess

 

[Vasuki]

Best Credit Cards For Rotate Money and Transfer to Bank bhi daal dete.

Toh aap bta do 🥸

 

[GShan]

@TechnoFino AU Zenith can be mentioned in the rent category. It is not charging any fees for first rent in a month. It has 1.25% reward rate.

 

[venkateshr]

Outstanding compilation. Great go-to thread for ppl like me with multiple card and inability to remember what are inclusions and exclusions. Thanks again for sharing !!