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

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Fini7777

Fini7777

TF Ace
Contributor
Comprehensive Credit Card Guide
First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

Banks Analyzed: 16 issuers, covering 105 credit cards
Excluded Banks: Public sector banks (except SBI & BOB)
Excel File Includes 5 Sheets:
  • Sheet 1: Credit Card Database - Comprehensive details on all analyzed cards, including fees, rewards, and benefits, and many more.
  • Sheet 2: Quick Report - A filter-based tool to find the best credit card based on your spending pattern.
  • Sheet 3: Comprehensive Comparisons & Analysis (Best Cards by Category, LTF & RuPay Cards List and many more.)
  • Sheet 4: ROI & RR Calculators (HDFC & AMEX Cards, and Axis cards) - will add more cards soon.
  • Sheet 5: Details of Exclusions, Rent surcharge, Fuel Surcharge, and other fees and exclusions of all credit cards.
⚠️ Important Notes & Disclaimers:
🔹 If the pre-selected cards don’t match your needs, apply filters in Sheet 2 to find the best card for your spending pattern.
🔹 This guide maintains a minimal number of cards while ensuring the best possible returns, making selection easier.
🔹 Reward rates are based on optimal redemption options, but exclusions may apply.
🔹 Income eligibility details are not included—visit the official website for exact criteria.
🔹 No referral or affiliate links—this is purely for awareness & educational purposes.

💡 Important Note: If you ever face issues with your credit or debit card—such as unauthorized charges, incorrect reporting, or non-resolution of complaints—you can escalate the matter to the RBI Banking Ombudsman (BO). The RBI guidelines provide detailed instructions on how to file complaints and ensure fair resolution.
🔗 Reference: Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions, 2022 - click here
🔹 Credit Card Chargeback – An Underrated Feature ⚡
Many cardholders are unaware that they can initiate a chargeback in case of fraudulent transactions, service disputes, or merchant issues. A chargeback allows you to dispute a transaction and request a refund through your bank if the merchant fails to provide the promised service or if unauthorized charges appear.

Do you have any suggestions or corrections? Found any missing cards that would add value? DM me, and I’ll update the sheet accordingly.
Your valuable rating/reputation motivates me to keep sharing genuine and unbiased financial insights!
  • Use MS Excel for Sheet 4 (Calculators) - Attached Below
  • Use Google Sheets for all other data - click here
  • Read this document for more details - click here
**"My special thanks to @TechnoFino, @helloworld , @SSV , @BVC , @drsel , @Abhishek012 , and @bhavyegoel . some of your posts and reviews have been incredibly helpful in this process.***

A Quick Glimpse of the Project:​

This project is the result of extensive research and analysis, aimed at providing a one-stop guide for choosing the best credit cards. With detailed comparisons, reward calculations, and essential fee insights, this guide simplifies the decision-making process, ensuring you get the maximum value from your credit cards.

Whether you're looking for the best cashback card, travel perks, milestone benefits, or RuPay UPI compatibility, this guide has got you covered!
Your feedback and suggestions are always welcome—let’s make this even better together!


If any revisions or updates are available I'll update the Google sheet and attached Excel sheet Regularly.
Use threadmarks for latest updates.
 

Attachments

Last edited:
Apply For LTF AU LIT Credit Card
Fini7777 said:
First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

📌 Banks Analyzed: 16 issuers, covering 96 credit cards
📌 Excluded Banks: Public sector banks (except SBI & BOB)
📌 Excel File Includes 4 Sheets:
  • Sheet 1: Credit Card Database
  • Sheet 2: Quick Report (Filter-Based Search for Best Picks)
  • Sheet 3: Comprehensive Comparisons & Analysis (Best Cards by Category, LTF & RuPay Cards List)
  • Sheet 4: ROI & RR Calculators (HDFC & AMEX Cards)

Important Notes & Disclaimers:​

✅ If the pre-selected cards don’t suit your needs, apply filters in Sheet 2 to find the best card based on your spending pattern and eligibility.
✅ This guide maintains a minimal number of cards while ensuring the best possible returns, making selection easier
✅ Reward rates are based on the best possible redemption rates allowed by issuers, but exclusions apply.
✅ Some reward rates are calculated based on the most commonly used redemption options to ensure practical usability. Actual RR may slightly vary.
✅ Due to RBI guidelines, certain cards (e.g., Kotak, Scapia) are currently unavailable to customers.
✅ Income eligibility details are not included. Visit the official website for exact criteria.
✅ No referral or affiliate links are included—this guide is purely for awareness and Information purpose.
✅ Official website links are provided for each card, including the latest revisions, if any.
✅ Partner brands, eligible categories, and reward structures may change over time—always verify before applying.
✅ Check pincode availability with customer care before applying to avoid unnecessary credit inquiries.
✅ Milestone benefits may expire if unredeemed within a specific timeframe—read issuer terms carefully.
✅ Hidden charges & redemption fees—some issuers charge fees for redeeming points; check if it affects overall value.
✅ Reward points expiry—certain cards have reward points that expire (e.g., 2-3 years). Opt for non-expiring points if needed.
✅ Dynamic reward programs—banks like HDFC and Axis update their reward structures frequently. Stay updated.
✅ Hidden exclusions—some categories (e.g., insurance, utilities, wallet loads) may not earn rewards, even if they appear eligible. Always check the fine print.

**"My special thanks to @TechnoFino, @helloworld , @SSV , @BVC , @drsel , @Abhishek012 , and @bhavyegoel . some of your posts and reviews have been incredibly helpful in this process.***

Please let me know if you find any mistakes in the provided information—I’ll update the Excel sheet accordingly.

This guide aims to simplify credit card selection, ensuring you get the best possible value for your spending.

Let me know your thoughts and feedback! Hope this helps the community. 😊🚀
Click to expand...
Does it have surcharge info on Utility, Education fee, Rent and Fuel transactions?
 
Fini7777 said:
First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

📌 Banks Analyzed: 16 issuers, covering 96 credit cards
📌 Excluded Banks: Public sector banks (except SBI & BOB)
📌 Excel File Includes 4 Sheets:
  • Sheet 1: Credit Card Database
  • Sheet 2: Quick Report (Filter-Based Search for Best Picks)
  • Sheet 3: Comprehensive Comparisons & Analysis (Best Cards by Category, LTF & RuPay Cards List)
  • Sheet 4: ROI & RR Calculators (HDFC & AMEX Cards)

Important Notes & Disclaimers:​

✅ If the pre-selected cards don’t suit your needs, apply filters in Sheet 2 to find the best card based on your spending pattern and eligibility.
✅ This guide maintains a minimal number of cards while ensuring the best possible returns, making selection easier
✅ Reward rates are based on the best possible redemption rates allowed by issuers, but exclusions apply.
✅ Some reward rates are calculated based on the most commonly used redemption options to ensure practical usability. Actual RR may slightly vary.
✅ Due to RBI guidelines, certain cards (e.g., Kotak, Scapia) are currently unavailable to customers.
✅ Income eligibility details are not included. Visit the official website for exact criteria.
✅ No referral or affiliate links are included—this guide is purely for awareness and Information purpose.
✅ Official website links are provided for each card, including the latest revisions, if any.
✅ Partner brands, eligible categories, and reward structures may change over time—always verify before applying.
✅ Check pincode availability with customer care before applying to avoid unnecessary credit inquiries.
✅ Milestone benefits may expire if unredeemed within a specific timeframe—read issuer terms carefully.
✅ Hidden charges & redemption fees—some issuers charge fees for redeeming points; check if it affects overall value.
✅ Reward points expiry—certain cards have reward points that expire (e.g., 2-3 years). Opt for non-expiring points if needed.
✅ Dynamic reward programs—banks like HDFC and Axis update their reward structures frequently. Stay updated.
✅ Hidden exclusions—some categories (e.g., insurance, utilities, wallet loads) may not earn rewards, even if they appear eligible. Always check the fine print.

**"My special thanks to @TechnoFino, @helloworld , @SSV , @BVC , @drsel , @Abhishek012 , and @bhavyegoel . some of your posts and reviews have been incredibly helpful in this process.***

Please let me know if you find any mistakes in the provided information—I’ll update the Excel sheet accordingly.

This guide aims to simplify credit card selection, ensuring you get the best possible value for your spending.

Let me know your thoughts and feedback! Hope this helps the community. 😊🚀
Click to expand...
HDFC Indian Oil spelling silly one but ya just reporting.
 
Fini7777 said:
First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

📌 Banks Analyzed: 16 issuers, covering 96 credit cards
📌 Excluded Banks: Public sector banks (except SBI & BOB)
📌 Excel File Includes 4 Sheets:
  • Sheet 1: Credit Card Database
  • Sheet 2: Quick Report (Filter-Based Search for Best Picks)
  • Sheet 3: Comprehensive Comparisons & Analysis (Best Cards by Category, LTF & RuPay Cards List)
  • Sheet 4: ROI & RR Calculators (HDFC & AMEX Cards)

Important Notes & Disclaimers:​

✅ If the pre-selected cards don’t suit your needs, apply filters in Sheet 2 to find the best card based on your spending pattern and eligibility.
✅ This guide maintains a minimal number of cards while ensuring the best possible returns, making selection easier
✅ Reward rates are based on the best possible redemption rates allowed by issuers, but exclusions apply.
✅ Some reward rates are calculated based on the most commonly used redemption options to ensure practical usability. Actual RR may slightly vary.
✅ Due to RBI guidelines, certain cards (e.g., Kotak, Scapia) are currently unavailable to customers.
✅ Income eligibility details are not included. Visit the official website for exact criteria.
✅ No referral or affiliate links are included—this guide is purely for awareness and Information purpose.
✅ Official website links are provided for each card, including the latest revisions, if any.
✅ Partner brands, eligible categories, and reward structures may change over time—always verify before applying.
✅ Check pincode availability with customer care before applying to avoid unnecessary credit inquiries.
✅ Milestone benefits may expire if unredeemed within a specific timeframe—read issuer terms carefully.
✅ Hidden charges & redemption fees—some issuers charge fees for redeeming points; check if it affects overall value.
✅ Reward points expiry—certain cards have reward points that expire (e.g., 2-3 years). Opt for non-expiring points if needed.
✅ Dynamic reward programs—banks like HDFC and Axis update their reward structures frequently. Stay updated.
✅ Hidden exclusions—some categories (e.g., insurance, utilities, wallet loads) may not earn rewards, even if they appear eligible. Always check the fine print.

**"My special thanks to @TechnoFino, @helloworld , @SSV , @BVC , @drsel , @Abhishek012 , and @bhavyegoel . some of your posts and reviews have been incredibly helpful in this process.***

Please let me know if you find any mistakes in the provided information—I’ll update the Excel sheet accordingly.

This guide aims to simplify credit card selection, ensuring you get the best possible value for your spending.

Let me know your thoughts and feedback! Hope this helps the community. 😊🚀
Click to expand...
This is good reference...

Amex reward rates are way too inflated...even for marriott conversion.

Also could you check and confirm AU Xcite ultra on govt spends, how 4.5% ?

One more suggestion is to keep online google doc so we can bookmark it.
 
Last edited:
sravanbrahma said:
This is good reference...

Amex reward rates are way too inflated...even for marriott conversion.

Also could you check and confirm AU Xcite ultra on govt spends, how 4.5% ?

One more suggestion is to keep online google doc so we can bookmark it.
Click to expand...
Correction: govt spends r excluded
 
W
Fini7777 said:
First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

📌 Banks Analyzed: 16 issuers, covering 96 credit cards
📌 Excluded Banks: Public sector banks (except SBI & BOB)
📌 Excel File Includes 4 Sheets:
  • Sheet 1: Credit Card Database
  • Sheet 2: Quick Report (Filter-Based Search for Best Picks)
  • Sheet 3: Comprehensive Comparisons & Analysis (Best Cards by Category, LTF & RuPay Cards List)
  • Sheet 4: ROI & RR Calculators (HDFC & AMEX Cards)

Important Notes & Disclaimers:​

✅ If the pre-selected cards don’t suit your needs, apply filters in Sheet 2 to find the best card based on your spending pattern and eligibility.
✅ This guide maintains a minimal number of cards while ensuring the best possible returns, making selection easier
✅ Reward rates are based on the best possible redemption rates allowed by issuers, but exclusions apply.
✅ Some reward rates are calculated based on the most commonly used redemption options to ensure practical usability. Actual RR may slightly vary.
✅ Due to RBI guidelines, certain cards (e.g., Kotak, Scapia) are currently unavailable to customers.
✅ Income eligibility details are not included. Visit the official website for exact criteria.
✅ No referral or affiliate links are included—this guide is purely for awareness and Information purpose.
✅ Official website links are provided for each card, including the latest revisions, if any.
✅ Partner brands, eligible categories, and reward structures may change over time—always verify before applying.
✅ Check pincode availability with customer care before applying to avoid unnecessary credit inquiries.
✅ Milestone benefits may expire if unredeemed within a specific timeframe—read issuer terms carefully.
✅ Hidden charges & redemption fees—some issuers charge fees for redeeming points; check if it affects overall value.
✅ Reward points expiry—certain cards have reward points that expire (e.g., 2-3 years). Opt for non-expiring points if needed.
✅ Dynamic reward programs—banks like HDFC and Axis update their reward structures frequently. Stay updated.
✅ Hidden exclusions—some categories (e.g., insurance, utilities, wallet loads) may not earn rewards, even if they appear eligible. Always check the fine print.

**"My special thanks to @TechnoFino, @helloworld , @SSV , @BVC , @drsel , @Abhishek012 , and @bhavyegoel . some of your posts and reviews have been incredibly helpful in this process.***

Please let me know if you find any mistakes in the provided information—I’ll update the Excel sheet accordingly.

This guide aims to simplify credit card selection, ensuring you get the best possible value for your spending.

Google sheet Link: click here


Use the Attached MS Excel sheet for All the calculations and filters

I'll update the Google sheet Regularly.
Let me know your thoughts and feedback! Hope this helps the community. 😊🚀
Click to expand...

WWOOOOWWWWWWW!!!!
This is super detailed and super impressive.
Congratulations for pulling this off dude.
There's so much insights and info we can get from this.
Thanks again.
 
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