The Ultimate Credit Card Guide – One-Stop Solution for All Your Queries with RR Analysis!

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A new sheet has been added.
It contains all the excluded categories, such as rent, wallet loads, insurance, etc., along with their corresponding surcharges and maximum upper limits.

Though I tried my best to gather accurate information, some banks have not explicitly mentioned certain details anywhere. If you're using a particular card and notice any incorrect information, just DM me, and I'll correct the data accordingly.

'NA' refers to 'Not Available.' Some banks did not mention certain charges, fees, or related details in their fee & charges section or MITC, so I entered 'NA' to represent such cases.

Also Fuel surcharge info is added in main sheet (sheet 1)

 

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I’ve updated my Credit Card Guide with the latest information and improvements! Here’s what’s new:

Sheet 1 (Credit Card Database)
✅ Added more cards – now covering 17 issuers & 105 cards
✅ Included new ICICI & IDFC credit cards
✅ Updated ICICI reward rates with the latest iShop portal data
✅ Updated Kotak Bank credit card details (issuance from April 2025)
✅ Scapia cards are now available for new customers
✅ Added sections on Milestone Benefits, Reward Structure, Redemption Options, and Fuel Surcharge Waiver

Sheet 2 (Quick Report - Filter-Based Search)
✅ Updated reward rates based on recent issuer revisions
✅ Improved filtering structure for better usability

Sheet 3 (Comparisons & Analysis)
✅ Fully updated with new comparisons & latest info
✅ New sections added:
✔ List of RuPay Credit Cards for UPI
✔ Credit Cards with Golf Access
✔ Airport Lounge Guest Visit Access
✔ Railway Lounge Access (With & Without Spend Requirements)
✔ Best Credit Cards for International Transactions

Sheet 4 (ROI & RR Calculators)
✅ New Axis Atlas reward calculator added

Sheet 5 (Fees & Exclusions)
✅ Completely restructured with updated surcharge details, exclusions & latest revisions

I’ve tried to include as much accurate data as possible! If you notice any errors or have suggestions, feel free to DM me. Let’s make this guide even better!

@SSV @cardio_guy @Abhishek012 @BVC @sidp @kuchbhi @Vasuki @HumorSimpson @Anindya98 @sumeet @Tejo @Ekavya @Anupama_Jha @shu_sha @2025 @helloworld @Ram1 @Subhankar @coolguy1 @Mr. Bean @Wealth is my birth right! @ashwink @BeingIncog @007 @NAB @Everybody @harsha1 @Raghav2006

 

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Hi everyone,

I've updated the RR & ROI Calculator with the latest data. You can access the calculators using the link below.
ROI & RR Calculators for HDFC, Axis, and AMEX Cards

Key Updates:​

• Reward rates of AMEX cards have been revised.
• Features of some cards have been updated due to recent devaluations.
• Some cards have been removed from the list as they are no longer available for new applicants.

Please refer to Sheets 3, 4, and 5 for detailed modifications.

Note: AMEX cards' Reward Rates are calculated by factoring in milestone benefits and accelerated rewards — they are not based on flat base rewards.
To understand the accurate RR and ROI of AMEX cards, use the calculators and input your own Reward Point value based on your redemption type.

I’ve tried my best to reflect all recent changes, but with frequent devaluations, it’s getting challenging to track every update.
If you notice any errors or missing updates, feel free to DM me — I'm happy to make any necessary corrections.

Thanks for your continued support!

 

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Update:
The files have been updated with the latest available information and necessary modifications based on recent devaluations and revaluations. Many card features have changed, so you are advised to go through all of them carefully.