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

helloworld · Sep 9, 2024

lester said:
as per this faq https://www.sc.com/in/credit-cards/rentalpaymentsfaqs/, SC will charge 1% + tax. can you confirm that there is no charges using RG+Payzapp for SC cc if you have done recently?

Post in thread 'Does standard chartered smart credit card give 2% cashback on rental payments and consider it for spends limit?'

Feb 20, 2024

Syam said:
Bro , I have a question - if Rent payment 10k then freecharge 153 + 118 from Creditcard(1% +Gst)
we will get 2% cashback means 200.
i mean like overall = 271 charges - 200 cashbback
This is right??? Please correct me if i am wrong.

Hoping for a response

for rent payments card provides (2% cashback - 1.18% rent fee =) 0.82%.

Now, on top of this frechrg or pytm charge extra, deduct that amount from this 0.82%. remaining your benefit or loss.

Smart card FAQs

www.sc.com

RG: 0.5% including GST
PZ: 0%

sambitpatro · Sep 9, 2024

lester said:
as per this faq https://www.sc.com/in/credit-cards/rentalpaymentsfaqs/, SC will charge 1% + tax. can you confirm that there is no charges using RG+Payzapp for SC cc if you have done recently?

Sc charges 1% plus gst and redgiraffe charges .39% plus gst but still sc gives 2% cashback so it's net positive with around .36% cashback

lester · Sep 9, 2024

sambitpatro said:
Sc charges 1% plus gst and redgiraffe charges .39% plus gst but still sc gives 2% cashback so it's net positive with around .36% cashback

.36% and you have to accumulate 2500 cb point for redemption, it's definitely not worth the wait for me! https://av.sc.com/in/content/docs/in-smartcard-product-terms-and-conditions.pdf

sambitpatro · Sep 9, 2024

lester said:
.36% and you have to accumulate 2500 cb point for redemption, it's definitely not worth the wait for me! https://av.sc.com/in/content/docs/in-smartcard-product-terms-and-conditions.pdf

If u have a rent payment of more than 50k u can start redeeming cashback from the 3rd month itself (50000*2%*3 months=3000)

theglobalinvestor · Sep 21, 2024

Does infinia still pay 3.3% rewards on utilities like electricity bills?

infinia_finally · Sep 26, 2024

theglobalinvestor said:
Does infinia still pay 3.3% rewards on utilities like electricity bills?

Yes but RPs capped to 2000 pm on utility spends

helloworld · Sep 26, 2024

infinia_finally said:
Yes but RPs capped to 2000 pm on utility spends

thats 60k per month, and I hope more than enough for personal spends.

rsyed · Oct 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. 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 🥂

I think, it is the time to revise this table with latest update.

TechnoFi · Oct 19, 2024

rsyed said:
I think, it is the time to revise this table with latest update.

+1 @TechnoFino . 👍👍

TechnoFino · Oct 19, 2024

will update this soon 🙂

cowcoconut · Oct 21, 2024

TechnoFino said:
will update this soon 🙂

Can't wait for new list. The credit card scene has changed so much since this post!!

raghavb6 · Oct 21, 2024

TechnoFino said:
will update this soon 🙂

Waiting for it

CyberPsych · Oct 28, 2024

Does Apay ICICI card still give 1% cashback for insurance payment when used in insurance provider website?

What if I plan to pay in EMI (the insurance provider is providing no cost emi - 2 years premium to be paid in 18 months and no extra interest - will bank charge extra for their side)?

cc_enthusiast · Oct 28, 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. 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.
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Can you please update this sheet post the changes happened to these cards.

sahildca · Oct 29, 2024

CyberPsych said:
Does Apay ICICI card still give 1% cashback for insurance payment when used in insurance provider website?

What if I plan to pay in EMI (the insurance provider is providing no cost emi - 2 years premium to be paid in 18 months and no extra interest - will bank charge extra for their side)?

no any CB for EMI payments

CyberPsych · Nov 8, 2024

Axis Kiwi Rupay with 1% cashback looks attractive, what's the catch compared to others?

rogerthat · Nov 8, 2024

CyberPsych said:
Axis Kiwi Rupay with 1% cashback looks attractive, what's the catch compared to others?

That card is a huge scam. The catch is that the "1%" is massively misleading. They should term it as "rewards tend to 1%". The actual reward rate is around 0.15% to 0.05% in normal conditions.

It gives no rewards for UPI transactions under Rs.2000 and normal transactions under Rs.200.

Even if you were to consider 1 ERP = Re.1 (which it isn't) you would achieve 1% only for (non-UPI) spends in exact multiples of Rs.200. A Rs.390 transaction achieves only 0.05% for instance.

sambitpatro · Nov 9, 2024

rogerthat said:
That card is a huge scam. The catch is that the "1%" is massively misleading. They should term it as "rewards tend to 1%". The actual reward rate is around 0.15% to 0.05% in normal conditions.

It gives no rewards for UPI transactions under Rs.2000 and normal transactions under Rs.200.

Even if you were to consider 1 ERP = Re.1 (which it isn't) you would achieve 1% only for (non-UPI) spends in exact multiples of Rs.200. A Rs.390 transaction achieves only 0.05% for instance.

View attachment 74342

Bro u have understood it wrong... Axis kiwi gives 1% cashback in the form of kiwis when u pay through their app. In addition to that u get axis edge reward points for UPI transaction more than 2000

googley · Nov 10, 2024

DCB can give an effective return rate of 6.46% ( 10% - (3% + GST)) on insurance.

1) Buy Amazon Pay voucher on smartbuy
2) Pay insurance using that amount

_zeebro_ · Nov 10, 2024

CyberPsych said:
Axis Kiwi Rupay with 1% cashback looks attractive, what's the catch compared to others?

but kiwi don't give you axis card now;
they give you yes bank card (klick card); Also they have some neon subscription for elevated kiwi points

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

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