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

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Hello TFCians,

We’ve updated our article, “Best Credit Cards 2024 | Category-wise Credit Card Recommendations by TechnoFino,” to reflect changes up to November 7, 2024. With less than two months until the start of 2025, I’ll be posting the "Best Credit Cards 2025" on January 1, 2025, with additional spending and lifestyle categories included.

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 TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback5% Cashback on Amazon For Prime Members, 3% For Non Prime Members, 1% on other websiteNo capping
Entry Level (Fees upto Rs. 1,000)SBI Cashback Credit CardCashback5% CashbackMaximum cashback: Rs. 5000 per statement.
HDFC Bank Swiggy Credit CardCashback5% Cashback on select online categoriesMaximum Cashback:
5% Category: Rs. 1500 per statement
HDFC Millennia Credit CardCashback5% Cashback on Amazon, Flipkart, Myntra.Maximum Cashback:
5% Category: Rs. 1000 per statement
Mid Range (Fees: Rs. 1001 to Rs. 5000)Axis Atlas Credit CardAirmiles4% AirmilesNo capping
Yes Marquee Credit CardReward Points4.50% Reward PointsMaximum capping: 1L YES Rewardz Points per statement cycle.
SC UltimateReward Points3.33% Reward PointsNo capping
Amex Platinum TravelReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get Taj voucher worth Rs. 10,000No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/AirmilesUpto 16.66% via smartbuy, 3.33% directlyMaximum 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 CardReward Points/AirmilesUpto 16.66% via smartbuy, 3.33% directlyMaximum 10000 reward points can be earned via smarbuy portal & Maximum 75000 reward points can be earned directly per statement.
ICICI Emeralde Private Metal Credit CardReward Points3% Reward PointsNo capping
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping
Axis Reserve Credit CardReward Points/Airmiles3% AirmilesNo Capping
Axis Olympus Credit CardAirmiles4% AirmilesNo capping
Axis Magnus Burgundy Credit CardReward Points/Airmiles4.8% AirmilesNo capping
Axis One/Burgundy Private Credit CardReward Points/Airmiles6% AirmilesNo Capping
Axis Primus Credit CardAirmiles5% AirmilesNo Capping


Best Credit Cards For Utility Bill Payments:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback2% Cashback via Amazon Pay, 1% Cashback directlyNo capping.
A fee of 1% of the transaction amount will be charged for utility payment transactions exceeding ₹50,000
Entry Level (Fees upto Rs. 1,000)Axis ACE Credit CardCashback5% Cashback via Google PayMaximum cashback: Rs. 500 per statement.
Axis Airtel Credit CardCashback25% Cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App.
10% Cashback on other utility bill payment via Airtel Thanks app.
Maximum cashback:
25% category: Rs. 250 per statement.
10% category: Rs. 250 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)HDFC Tata Neu Infinity Credit CardCashback5% Cashback as Neu Coin Via Tata Neu AppNo capping
SBI Vistara Prime Credit CardAirmiles2% CV PointsNo capping
SC UltimateReward Points2% Reward PointsNo Capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No normal MR points on utility spend.
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/Airmiles3.33% Reward PointsMaximum 2000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit CardReward Points/Airmiles3.33% Reward PointsMaximum 2000 reward points can be earned per statement.
HDFC Biz Black Credit CardReward Points/AirmilesUpto 16.67% Reward PointsMinimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month.
ICICI Emedalde Private MetalReward Points3% Reward PointsMaximum capping: 1000 Reward points per statement.
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping
Axis Primus Credit CardAirmiles5% AirmilesNo capping


Best Credit Cards For UPI Payments (RuPay UPI System):
Card TypeCard NameCard's Reward TypeRewardMinimum Transaction Value Required For Earning RewardsCapping
Lifetime FreeYes Bank RuPay UPI Credit Card (Virtual)Reward Point1%Rs. 2001 per transactionMaximum 5000 Reward Points per statement.
Kiwi Yes Bank RuPay UPI Credit CardCashback1%No CappingNo Capping
IndusInd Rupay Platinum Credit CardReward Points0.7% (Cashback)/ 2% (Vistara CV Points)Rs 100 per transactionNo Capping
Entry Level (Fees upto Rs. 1,000)Kotak Myntra RuPay Credit CardCashback1.25%Rs. 2001 per transactionNo Capping
HDFC Tata Neu Plus Credit CardCashback1% Neu Coin via Tata Neu App.No CappingMaximum 500 Neu Coins per statement.
BOB Snapdeal Credit CardReward Point1%No CappingMaximum 500 Reward Points per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)HDFC Tata Neu Infinity Credit CardCashback1.50% Neu Coin via Tata Neu App.No CappingMaximum 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 TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback2% Cashback via Amazon Pay, 1% if paid directlyNo capping
Scepia Credit CardReward Points2%No capping
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2% CashbackMaximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)SC Ultimate Credit CardReward Points2% Reward PointsNo capping
SBI Vistara Prime Credit CardAirmiles2% CV PointsNo capping
HDFC Tata Neu Infinity Credit CardCashback5% Neu Coin Via Tata Neu AppMaximum 2000 neu coin per day.
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No base MR points on insurance spends.
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/Airmiles3.33% Reward PointsMaximum 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 CardReward Points/Airmiles3.33% Reward PointsMaximum 5000 reward points can be earned per day & maximum 75,000 reward points can be earned per statement.
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping
Axis Primus Credit CardAirmiles5% AirmilesNo capping


Best Credit Cards For Rent Payments:
Card TypeCard NameCard's Reward TypeRewardFeesEffective RewardCapping
Lifetime Free
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2%1% + 18% GST0.82%Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)SC Ultimate Credit CardReward Points2%1% + 18% GST0.82%No capping
Super Premium (Fees: Rs. 5001 to 12500)Axis Magnus Burgundy Credit CardReward Points/Airmiles4.8% Airmiles1% + 18% GST3.62%Points accrued only up to ₹50000 per statement
Luxury (Fees more than Rs. 12500)HSBC PremierReward Points/Airmiles3% Reward Points1% + 18% GST1.82%No capping
Axis Reserve Credit CardReward Points/Airmiles3% Airmiles1% + 18% GST (max: Rs. 1500)1.82%Points accrued only up to ₹1L per statement
Axis Primus Credit CardAirmiles5% AirmilesNo Fee5%No Capping


Best Credit Cards For Wallet Loading:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback1% CashbackNo capping
IDFC First LTF Cards (Wealth/Select/Millennia/Classic Credit Card)Reward Points0.50%No capping
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2% CashbackMaximum Cashback: Rs. 1000 per statement.
BOB Eterna Credit CardReward Points3.75%Maximum expenses upto Rs 33,350 per statement
Mid Range (Fees: Rs. 1001 to Rs. 5000)SC Ultimate Credit CardReward Points3.33%No capping
Amex MRCCReward Points/AirmilesUpto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1500 per transaction, 4 times a month.No capping
Amex Gold ChargeReward Points/AirmilesUpto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1000 per transaction, 6 times a month.No capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)N/A
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping
Axis Primus Credit CardAirmiles5% AirmilesNo capping


Best Credit Cards For Offline Transactions:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback1%No capping
Scepia Credit CardReward Points2%No capping
Entry Level (Fees upto Rs. 1,000)Axis ACE Credit CardCashback1.5%No capping
HSBC Live+ Credit CardCashback1.5%No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000)Axis Atlas Credit CardAirmiles4% AirmilesNo capping
SC Ultimate Credit CardReward Points3.33%No capping
Yes Marquee Credit CardReward Points2.25%No capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/Airmiles3.33%Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit CardReward Points/Airmiles3.33%Maximum 75,000 reward points can be earned per statement.
ICICI Emeralde Private Metal Credit CardReward Points3%No capping
Yes Private Credit CardReward Points2.5%No capping
Luxury (Fees more than Rs. 12500)Axis Reserve Credit CardReward Points/Airmiles3% AirmilesNo capping
Axis Burgundy Magnus Credit CardReward Points/Airmiles4.8% AirmilesNo capping
Axis One/ Burgundy Private Credit CardReward Points/Airmiles6% AirmilesNo capping
HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping
Axis Olympus Credit CardAirmiles4% AirmilesNo capping
Axis Primus Credit CardAirmiles5% AirmilesNo capping


Best Credit Cards For Government Payments/Tax Payments:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeNA
IDFC First Wealth Credit CardReward Points0.5%No capping
IDFC First Select Credit CardReward Points0.5%No capping
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2%Maximum Cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)SC Ultimate Credit CardReward Points2%No capping
YES Marquee Credit CardReward Points1.25%No capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)Yes Private Credit CardReward Points2.5%No capping
HDFC BizBlack Credit CardReward Points/AirmilesUpto 16.67% Reward PointsMinimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month.
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping
Axis Primus Credit CardAirmiles5% AirmilesNo capping


Best Credit Cards For Other Online Payments:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback1%No capping
Scepia Credit CardReward Points2%No capping
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2%Maximum Cashback: Rs. 1000 per statement.
SBI Cashback Credit CardCashback5%Maximum Cashback: Rs. 5000 per statement.
Axis ACE Credit CardCashback1.5%No capping
HSBC Live+ Credit CardCashback1.5%No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000)Axis Atlas Credit CardAirmiles4% AirmilesNo capping
SC Ultimate Credit CardReward Points3.33%No capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/Airmiles3.33%Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit CardReward Points/Airmiles3.33%Maximum 75,000 reward points can be earned per statement.
HDFC Biz Black Credit CardReward Points/Airmiles3.33%No Capping
ICICI Emeralde Private Metal Credit CardReward Points3%No capping
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3%No capping
Axis Olympus Credit CardAirmiles4% AirmilesNo capping
Axis Burgundy Magnus Credit CardReward Points/Airmiles4.8% AirmilesNo capping
Axis One/ Burgundy Private Credit CardReward Points/Airmiles6% AirmilesNo capping
Axis Primus Credit CardAirmiles5% AirmilesNo capping


Best Credit Cards For Fuel Purchases:
Card TypeCard NameCard's Reward TypeRewardSurcharge Waiver
Lifetime FreeN/A
Entry Level (Fees upto Rs. 1,000)IDFC First Bank HPCL Power+ Credit CardReward PointsEarn 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 CardReward PointsEarn 6.25% on expenses upto Rs. 10,000 per statement.1% surcharges waiver on expenses of up to Rs 10,000 per statement.
IndianOil RBL Bank XTRA Credit CardReward PointsEarn 7.50% on expenses upto Rs. 13,400 per statement.1% surcharges waiver on expenses of up to Rs 20,000 per statement.
Amex Gold Charge CardReward Points/AirmilesUpto 9% airmiles or 18% MR Points (with milestone bonus) just by spending Rs. 1000 per transaction, 6 times a month on fuel.
Spent on Fuel payments capped at 5,000 Membership Rewards points in a calendar month.
0% surcharge on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Amex MRCCReward Points/AirmilesUpto 8% airmiles or 16% MR Points in milestone bonus just by spending Rs. 1500 per transaction, 4 times a month on fuel.
No reward points on fuel spends.
0% surcharge fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Super Premium (Fees: Rs. 5001 to 12500)N/A
Luxury (Fees more than Rs. 12500)Axis Primus Credit CardAirmiles5% Airmiles1% of the transaction amount gets refunded for fuel transactions between Rs. 400 to Rs. 10,000. per Statement Cycle
HSBC Premier Credit CardReward Points/Airmiles3%


Best Credit Cards For International Transactions:
Card TypeCard NameCard's Reward TypeRewardMarkup FeesAdditional BenefitsEffective Reward RateCapping
Lifetime FreeIDFC First WOW Credit CardReward Points0.67%NilNil0.67%No capping
Scapia Credit CardReward PointsNilNilNilNilNot Applicable
Entry Level (Fees upto Rs. 1,000)SBI Cashback Credit CardCashback5%
(Online spends)
3.50%0.87%Maximum Cashback: Rs. 5000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)RBL World Safari Credit CardReward PointsNilNilSpend 7.5L in a year & get reward of worth Rs. 20,500Directly: Nil
Milestone: 2.73% (If you spend 7.5L in a year)
Not Applicable
BOB Eterna Credit CardReward Points/Cashback3.75% (Online)2% + GSTNil1.39%Maximum expenses upto Rs 33,350
Yes Marquee Credit CardReward Points4.5% (online) & 2.25% (offline)1% + GSTNil3.32% (online) & 1.07% (offline)No capping
Super Premium (Fees: Rs. 5001 to 12500)Yes Private Credit CardReward Points5%0.50% + GSTNil4.41%No capping
HDFC Infinia Metal Credit CardReward Points/Airmiles3.33%2% + GSTGlobal Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement1.97%1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
HDFC Diners Club Black Metal Credit CardReward Points/Airmiles3.33%2% + GSTGlobal Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement1.97%1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
Luxury (Fees more than Rs. 12500)Axis Reserve Credit CardReward Points/Airmiles6% Airmiles1.50% + GSTNil4.23% Airmiles*No capping
Axis Olympus Credit CardAirmiles8% Airmiles1.8% + GSTNil5.88% AirmilesNo capping
Axis Burgundy Magnus Credit CardReward Points/Airmiles4.8% Airmiles2%+GSTNil2.44%No capping
Axis One/ Burgundy Private Credit CardReward Points/Airmiles6% AirmilesNilNil6%No capping
Axis PrimusAirmiles5% AirmilesNilNil5%No capping
HSBC Premier Credit CardReward Points/Airmiles3% Reward Points0.99% + GSTNil1.83%No capping
Indusind Pioneer Heritage Metal Credit CardReward Points2.5% Reward PointsNilNil2.5%No capping
Amex Platinum Charge CardReward Points/Airmiles7.5% MR Points or Marriott Points/3.75% Airmiles3.50%Nil3.37% MR or Marriott Points/ (-)0.38% AirmilesNo capping


Best Credit Cards For Domestic Airport Lounge Access:
Card TypeCard NamePrimary Card Lounge Access LimitSpend RequirementsAvailable For Add-on Card Holders (Y/N)Guest Access
Lifetime FreeScepia Credit CardUnlimitedRs. 10,000 in a monthNoNot Available
Entry Level (Fees upto Rs. 1,000)N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000)BOB Eterna Credit CardUnlimitedNilYes, UnlimitedNot Available
Super Premium (Fees: Rs. 5001 to 12500)Yes Private Credit CardUnlimitedNilYes, Unlimited12 Free guest access
HDFC Infinia Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
HDFC Diners Club Black Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
ICICI Emeralde Private Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
Axis Magnus Credit CardUnlimitedSpend Rs. 50,000 on the previous quarterYes, Unlimited4 Free guest access
Luxury (Fees more than Rs. 12500)Axis Reserve Credit CardUnlimitedNilYes, Unlimited12 Free guest access
Axis Olympus Credit CardUnlimitedNilYes, Unlimited10 Free guest access
Axis Burgundy Magnus Credit CardUnlimitedSpend Rs. 50,000 on the previous quarterYes, Unlimited4 Free guest access
Axis One / Burgundy Private Credit CardUnlimitedNilYes, Unlimited12 Free guest access
Axis Primus Credit CardUnlimitedNilYes, Unlimited12 Free guest access
HSBC Premier Credit CardUnlimitedNilYes, UnlimitedNot Available


Best Credit Cards For International Airport Lounge Access:
Card TypeCard NamePrimary Card Lounge Access LimitSpend RequirementsAvailable For Add-on Card Holders (Y/N)Guest Access (Per Year)
Lifetime FreeIDFC First WealthSpent ₹20,000 every month in last quarter.Yes, Shared limitNot Available
Entry Level (Fees upto Rs. 1,000)N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000)Yes Marquee Credit CardUnlimitedNilYes, Unlimited4 Free guest access
Super Premium (Fees: Rs. 5001 to 12500)Yes Private Credit CardUnlimitedNilYes, Unlimited12 Free guest access
HDFC Infinia Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
HDFC Diners Club Black Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
ICICI Emeralde Private Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
Axis Magnus Credit CardUnlimitedSpend Rs. 50,000 on the previous quarterNo4 Free guest access
Luxury (Fees more than Rs. 12500)Axis Reserve Credit CardUnlimitedNilYes, Unlimited12 Free guest access
Axis Olympus Credit CardUnlimitedNilYes, Unlimited10 Free guest access
HSBC Premier Credit CardUnlimitedNilYes, Unlimited8 Free guest access
Axis Burgundy Magnus Credit CardUnlimitedSpend Rs. 50,000 on the previous quarterYes, Unlimited4 Free guest access
Axis One / Burgundy Private Credit CardUnlimitedNilYes, Unlimited12 Free guest access
Axis Primus Credit CardUnlimitedNilYes, Unlimited12 Free guest access


Best Credit Cards For Railway Lounge Access:
Card TypeCard NameDomestic Lounge LimitSpend Requirements
Lifetime FreeIDFC First Millennia Credit Card4 per quarterNil
IDFC First Classic Credit Card4 per quarterNil
IDFC First Select Credit Card4 per quarterNil
IDFC First Wealth Credit Card4 per quarterNil
AU Small Finance Bank Xcite Ace Credit Card2 per quarterNil
AU Small Finance Bank Xcite Ultra Credit Card2 per quarterNil
ICICI Coral Rupay Credit Card1 per quarterNil
Entry Level (Fees upto Rs. 1,000)AU Small Finance Bank Altura Credit Card2 per quarterNil
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


Credit Card Application Links: [Our affiliate links]


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 🥂
 
Last edited:
Hello TFCians,

We’ve updated our article, “Best Credit Cards 2024 | Category-wise Credit Card Recommendations by TechnoFino,” to reflect changes up to November 7, 2024. With less than two months until the start of 2025, I’ll be posting the "Best Credit Cards 2025" on January 1, 2025, with additional spending and lifestyle categories included.

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 TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback5% Cashback on Amazon For Prime Members, 3% For Non Prime Members, 1% on other websiteNo capping
Entry Level (Fees upto Rs. 1,000)SBI Cashback Credit CardCashback5% CashbackMaximum cashback: Rs. 5000 per statement.
HDFC Bank Swiggy Credit CardCashback5% Cashback on select online categoriesMaximum Cashback:
5% Category: Rs. 1500 per statement
HDFC Millennia Credit CardCashback5% Cashback on Amazon, Flipkart, Myntra.Maximum Cashback:
5% Category: Rs. 1000 per statement
Mid Range (Fees: Rs. 1001 to Rs. 5000)Axis Atlas Credit CardAirmiles4% AirmilesNo capping
Yes Marquee Credit CardReward Points4.50% Reward PointsMaximum capping: 1L YES Rewardz Points per statement cycle.
SC UltimateReward Points3.33% Reward PointsNo capping
Amex Platinum TravelReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/AirmilesUpto 16.66% via smartbuy, 3.33% directlyMaximum 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 CardReward Points/AirmilesUpto 16.66% via smartbuy, 3.33% directlyMaximum 10000 reward points can be earned via smarbuy portal & Maximum 75000 reward points can be earned directly per statement.
ICICI Emeralde Private Metal Credit CardReward Points3% Reward PointsNo capping
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping
Axis Olympus Credit CardAirmiles4% AirmilesNo capping


Best Credit Cards For Utility Bill Payments:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback2% Cashback via Amazon Pay, 1% Cashback directlyNo capping.
A fee of 1% of the transaction amount will be charged for utility payment transactions exceeding ₹50,000
Entry Level (Fees upto Rs. 1,000)Axis ACE Credit CardCashback5% Cashback via Google PayMaximum cashback: Rs. 500 per statement.
Axis Airtel Credit CardCashback25% Cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App.
10% Cashback on other utility bill payment via Airtel Thanks app.
Maximum cashback:
25% category: Rs. 250 per statement.
10% category: Rs. 250 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)HDFC Tata Neu Infinity Credit CardCashback5% Cashback as Neu Coin Via Tata Neu AppNo capping
SBI Vistara Prime Credit CardAirmiles2% CV PointsNo capping
SC UltimateReward Points2% Reward PointsNo Capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No normal MR points on utility spend.
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/Airmiles3.33% Reward PointsMaximum 2000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit CardReward Points/Airmiles3.33% Reward PointsMaximum 2000 reward points can be earned per statement.
HDFC Biz Black Credit CardReward Points/AirmilesUpto 16.67% Reward PointsMinimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month.
ICICI Emedalde Private MetalReward Points3% Reward PointsMaximum capping: 1000 Reward points per statement.
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping


Best Credit Cards For UPI Payments (RuPay UPI System):
Card TypeCard NameCard's Reward TypeRewardMinimum Transaction Value Required For Earning RewardsCapping
Lifetime FreeYes Bank RuPay UPI Credit Card (Virtual)Reward Point1%Rs. 2001 per transactionMaximum 5000 Reward Points per statement.
Kiwi Axis Bank RuPay UPI Credit CardCashback1%No CappingNo Capping
IndusInd Rupay Platinum Credit CardReward Points0.7% (Cashback)/ 2% (Vistara CV Points)Rs 100 per transactionNo Capping
Entry Level (Fees upto Rs. 1,000)Kotak Myntra RuPay Credit CardCashback1.25%Rs. 2001 per transactionNo Capping
HDFC Tata Neu Plus Credit CardCashback1% Neu Coin via Tata Neu App.No CappingMaximum 500 Neu Coins per statement.
BOB Snapdeal Credit CardReward Point1%No CappingMaximum 500 Reward Points per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)HDFC Tata Neu Infinity Credit CardCashback1.50% Neu Coin via Tata Neu App.No CappingMaximum 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 TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback2% Cashback via Amazon Pay, 1% if paid directlyNo capping
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2% CashbackMaximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)SC Ultimate Credit CardReward Points2% Reward PointsNo capping
SBI Vistara Prime Credit CardAirmiles2% CV PointsNo capping
HDFC Tata Neu Infinity Credit CardCashback5% Neu Coin Via Tata Neu AppMaximum 2000 neu coin per day.
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No base MR points on insurance spends.
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/Airmiles3.33% Reward PointsMaximum 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 CardReward Points/Airmiles3.33% Reward PointsMaximum 5000 reward points can be earned per day & maximum 75,000 reward points can be earned per statement.
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping


Best Credit Cards For Rent Payments:
Card TypeCard NameCard's Reward TypeRewardFeesEffective RewardCapping
Lifetime Free
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2%1% + 18% GST0.82%Maximum cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)SC Ultimate Credit CardReward Points2%1% + 18% GST0.82%No capping
Super Premium (Fees: Rs. 5001 to 12500)Axis Magnus Burgundy Credit CardReward Points/Airmiles4.8% Airmiles1% + 18% GST3.62%Points accrued only up to ₹50000 per statement
Luxury (Fees more than Rs. 12500)HSBC PremierReward Points/Airmiles3% Reward Points1% + 18% GST1.82%No capping
Axis Reserve Credit CardReward Points/Airmiles3% Airmiles1% + 18% GST (max: Rs. 1500)1.82%Points accrued only up to ₹1L per statement


Best Credit Cards For Wallet Loading:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback1% CashbackNo capping
IDFC First Wealth Credit CardReward Points1.5% to 2.5%No capping
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2% CashbackMaximum Cashback: Rs. 1000 per statement.
BOB Eterna Credit CardReward Points3.75%Maximum expenses upto Rs 33,350 per statement
Mid Range (Fees: Rs. 1001 to Rs. 5000)SC Ultimate Credit CardReward Points3.33%No capping
Amex MRCCReward Points/AirmilesUpto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1500 per transaction, 4 times a month.No capping
Amex Gold ChargeReward Points/AirmilesUpto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1000 per transaction, 6 times a month.No capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)N/A
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping


Best Credit Cards For Offline Transactions:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback1%No capping
Entry Level (Fees upto Rs. 1,000)Axis ACE Credit CardCashback1.5%No capping
HSBC Live+ Credit CardCashback1.5%No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000)Axis Atlas Credit CardAirmiles4% AirmilesNo capping
SC Ultimate Credit CardReward Points3.33%No capping
Yes Marquee Credit CardReward Points2.25%No capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No capping on base points.
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/Airmiles3.33%Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit CardReward Points/Airmiles3.33%Maximum 75,000 reward points can be earned per statement.
ICICI Emeralde Private Metal Credit CardReward Points3%No capping
Yes Private Credit CardReward Points2.5%No capping
Luxury (Fees more than Rs. 12500)Axis Reserve Credit CardReward Points/Airmiles3% AirmilesNo capping
HSBC Premier Credit CardReward Points/Airmiles3% Reward PointsNo capping
Axis Olympus Credit CardAirmiles4% AirmilesNo capping


Best Credit Cards For Government Payments/Tax Payments:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeICICI Amazon Pay Credit CardCashback1%No capping
IDFC First Wealth Credit CardReward Points0.5%No capping
IDFC First Select Credit CardReward Points0.5%No capping
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2%Maximum Cashback: Rs. 1000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)SC Ultimate Credit CardReward Points2%No capping
YES Marquee Credit CardReward Points1.25%No capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)Yes Private Credit CardReward Points2.5%No capping
HDFC BizBlack Credit CardReward Points/AirmilesUpto 16.67% Reward PointsMinimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month.
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3% RewardNo capping


Best Credit Cards For Other Online Payments:
Card TypeCard NameCard's Reward TypeRewardCapping
Lifetime FreeAmazon Pay ICICI Credit CardCashback1%No capping
Entry Level (Fees upto Rs. 1,000)SC Smart Credit CardCashback2%Maximum Cashback: Rs. 1000 per statement.
SBI Cashback Credit CardCashback5%Maximum Cashback: Rs. 5000 per statement.
Axis ACE Credit CardCashback1.5%No capping
HSBC Live+ Credit CardCashback1.5%No capping
Mid Range (Fees: Rs. 1001 to Rs. 5000)Axis Atlas Credit CardAirmiles4% AirmilesNo capping
SC Ultimate Credit CardReward Points3.33%No capping
Amex Platinum Travel Credit CardReward Points/AirmilesUpto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)HDFC Infinia Metal Credit CardReward Points/Airmiles3.33%Maximum 2,00,000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit CardReward Points/Airmiles3.33%Maximum 75,000 reward points can be earned per statement.
HDFC Biz Black Credit CardReward Points/Airmiles3.33%No Capping
ICICI Emeralde Private Metal Credit CardReward Points3%No capping
Luxury (Fees more than Rs. 12500)HSBC Premier Credit CardReward Points/Airmiles3%No capping
Axis Olympus Credit CardAirmiles4%No capping


Best Credit Cards For Fuel Purchases:
Card TypeCard NameCard's Reward TypeRewardSurcharge Waiver
Lifetime FreeN/A
Entry Level (Fees upto Rs. 1,000)IDFC First Bank HPCL Power+ Credit CardReward PointsEarn 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 CardReward PointsEarn 6.25% on expenses upto Rs. 10,000 per statement.1% surcharges waiver on expenses of up to Rs 10,000 per statement.
Amex Gold Charge CardReward Points/AirmilesUpto 9% airmiles or 18% MR Points (with milestone bonus) just by spending Rs. 1000 per transaction, 6 times a month on fuel.
Spent on Fuel payments capped at 5,000 Membership Rewards points in a calendar month.
0% surcharge on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Amex MRCCReward Points/AirmilesUpto 8% airmiles or 16% MR Points in milestone bonus just by spending Rs. 1500 per transaction, 4 times a month on fuel.
No reward points on fuel spends.
0% surcharge fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Super Premium (Fees: Rs. 5001 to 12500)N/A
Luxury (Fees more than Rs. 12500)N/A


Best Credit Cards For International Transactions:
Card TypeCard NameCard's Reward TypeRewardMarkup FeesAdditional BenefitsEffective Reward RateCapping
Lifetime FreeIDFC First WOW Credit CardReward Points0.67%NilNil0.67%No capping
Scapia Credit CardReward PointsNilNilNilNilNot Applicable
Entry Level (Fees upto Rs. 1,000)SBI Cashback Credit CardCashback5%
(Online spends)
3.50%0.87%Maximum Cashback: Rs. 5000 per statement.
Mid Range (Fees: Rs. 1001 to Rs. 5000)RBL World Safari Credit CardReward PointsNilNilSpend 7.5L in a year & get reward of worth Rs. 20,500Directly: Nil
Milestone: 2.73% (If you spend 7.5L in a year)
Not Applicable
BOB Eterna Credit CardReward Points/Cashback3.75% (Online)2% + GSTNil1.39%Maximum expenses upto Rs 33,350
Yes Marquee Credit CardReward Points4.5% (online) & 2.25% (offline)1% + GSTNil3.32% (online) & 1.07% (offline)No capping
Super Premium (Fees: Rs. 5001 to 12500)Yes Private Credit CardReward Points5%0.50% + GSTNil4.41%No capping
HDFC Infinia Metal Credit CardReward Points/Airmiles3.33%2% + GSTGlobal Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement1.97%1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
HDFC Diners Club Black Metal Credit CardReward Points/Airmiles3.33%2% + GSTGlobal Value Back Program: Additional 1% cashback on expenses upto Rs. 1,00,000 per statement1.97%1.97% Reward Rate applicable on maximum expenses of Rs. 1L per statement.
Luxury (Fees more than Rs. 12500)Axis Reserve Credit CardReward Points/Airmiles6% Airmiles1.50% + GSTNil4.23% Airmiles*No capping
HSBC Premier Credit CardReward Points/Airmiles3% Reward Points0.99% + GSTNil1.83%
Indusind Pioneer Heritage Metal Credit CardReward Points2.5% Reward PointsNilNil2.5%No capping
Amex Platinum Charge CardReward Points/Airmiles7.5% MR Points or Marriott Points/3.75% Airmiles3.50%Nil3.37% MR or Marriott Points/ (-)0.38% AirmilesNo capping


Best Credit Cards For Domestic Airport Lounge Access:
Card TypeCard NameDomestic Lounge LimitSpend RequirementsAvailable For Add-on Card Holders (Y/N)Guest Access
Lifetime FreeScepia Credit CardUnlimitedRs. 5000 in a monthNoNot Available
Entry Level (Fees upto Rs. 1,000)N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000)BOB Eterna Credit CardUnlimitedNilYes, UnlimitedNot Available
Super Premium (Fees: Rs. 5001 to 12500)Yes Private Credit CardUnlimitedNilYes, Unlimited12 Free guest access
HDFC Infinia Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
HDFC Diners Club Black Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
ICICI Emeralde Private Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
Axis Magnus Credit CardUnlimitedNilYes, UnlimitedNot Available
Luxury (Fees more than Rs. 12500)Axis Reserve Credit CardUnlimitedNilYes, Unlimited12 Free guest access
Axis Olympus Credit CardUnlimitedNilYes, Unlimited10 Free guest access
HSBC Premier Credit CardUnlimitedNilYes, UnlimitedNot Available


Best Credit Cards For International Airport Lounge Access:
Card TypeCard NameDomestic Lounge LimitSpend RequirementsAvailable For Add-on Card Holders (Y/N)Guest Access
Lifetime FreeN/A
Entry Level (Fees upto Rs. 1,000)N/A
Mid Range (Fees: Rs. 1001 to Rs. 5000)Yes Marquee Credit CardUnlimitedNilYes, UnlimitedNot Available
Super Premium (Fees: Rs. 5001 to 12500)Yes Private Credit CardUnlimitedNilYes, Unlimited12 Free guest access
HDFC Infinia Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
HDFC Diners Club Black Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
ICICI Emeralde Private Metal Credit CardUnlimitedNilYes, UnlimitedNot Available
Axis Magnus Credit CardUnlimitedNilNo8 Free guest access
Luxury (Fees more than Rs. 12500)Axis Reserve Credit CardUnlimitedNilYes, Unlimited12 Free guest access
Axis Olympus Credit CardUnlimitedNilYes, Unlimited10 Free guest access
HSBC Premier Credit CardUnlimitedNilYes, Unlimited8 Free guest access


Best Credit Cards For Railway Lounge Access:
Card TypeCard NameDomestic Lounge LimitSpend Requirements
Lifetime FreeIDFC First Millennia Credit Card4 per quarterNil
IDFC First Classic Credit Card4 per quarterNil
IDFC First Select Credit Card4 per quarterNil
IDFC First Wealth Credit Card4 per quarterNil
AU Small Finance Bank Xcite Ace Credit Card2 per quarterNil
AU Small Finance Bank Xcite Ultra Credit Card2 per quarterNil
ICICI Coral Rupay Credit Card1 per quarterNil
Entry Level (Fees upto Rs. 1,000)AU Small Finance Bank Altura Credit Card2 per quarterNil
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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Scapia spend requirement is 10000 now and it gives 2% value back in both online and offline spends it can go in lifetime free category
 
Excellent job.. Updating it with all the latest changes.. was starting to get really confusing with all the recent changes..
 
I think an avg joe should opt for below 4-5 cards-

1. icici Apay :- (Jack of all trades)
2. Axis Airtel (<5k) | ACE(>5k) :- (Bill Pay)
3. Tata | Coral :- (UPI/Lounge)
4. SBI cashback | HDFC Swiggy :- (online spends)

And be done with card journey. 🤓
 
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Doesn't HSBC LIve+ offer 10% cashback on offline transactions ( with 1000 capping)?
10% accelerated cashback, up to INR1,000 a month, on all dining, food delivery and grocery spends.
It does but only in select categories.
 

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Thanks for the great post. I need insights about BOB ICAI credit card. For lounge access, I have ICICI Rubyx dual variant, HDFC Millennia and Tata Neu Infinity. All are LTF cards. But now except Tata Neu Infinity, both the other cards have put up quarterly spent-based criteria for the complimentary lounge access.

I was considering BOB ICAI credit card for the domestic lounge access. But now even BOB has also put up spend based criteria for complimentary lounge !
 
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Dada, give points to each of these cards under different categories and rank overall best 1-10. 🙂
I know..."One size doesn't fit all" before it comes.
 
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