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

sudhaacademy · Dec 5, 2024

Credit cards that offer great rewards, travel, cashback, and low-interest rates are among the best of 2024. For frequent travelers, TechnoFino recommends premium rewards cards, cashback cards for everyday purchases, and balance transfer cards with the lowest fees.

financetherapy · Dec 9, 2024

anonymuos said:
Yes, please add Dining out at restaurants as a category (excluding Swiggy/Zomato online food ordering) but including Swiggy Dineout/Zomato Dining/IndusInd EazyDiner etc. What's the best card for that if one enjoys fine dining at least twice a month?

Get Eazydiner Indusind bank card.
I've saved 11k+ in just 5 months, and this is across fine dining, bars, pubs, restaurants, shacks, and more.
One time, I got a bill of ~880, but with the card, Payeazy discounts, and reward points claimed, I ended up paying just 18 Rs for the food.

Go ahead, it's worth it if you dine often while in a Metro, Tier 1/2 town/

anonymuos · Dec 9, 2024

financetherapy said:
Get Eazydiner Indusind bank card.
I've saved 11k+ in just 5 months, and this is across fine dining, bars, pubs, restaurants, shacks, and more.
One time, I got a bill of ~880, but with the card, Payeazy discounts, and reward points claimed, I ended up paying just 18 Rs for the food.

Go ahead, it's worth it if you dine often while in a Metro, Tier 1/2 town/

But the restaurants I visit at not there/haven't partnered with EazyDiner. That's the biggest problem. Far more restaurants there on Swiggy Dineout or Zomato Dining

helloworld · Dec 9, 2024

anonymuos said:
Yes, please add Dining out at restaurants as a category (excluding Swiggy/Zomato online food ordering) but including Swiggy Dineout/Zomato Dining/IndusInd EazyDiner etc. What's the best card for that if one enjoys fine dining at least twice a month?

Thread 'HSBC Live+ (Previously Cashback) Credit Card: Elevate Everyday Spending'

Sep 1, 2023

Key Features

10% Cashback on Grocery, Dining & Food Delivery (MCC)
- Categories: Grocery, Dining, Swiggy/Zomato & Food Delivery
- Cashback cap: ₹1000 per statement (limit reached if spent ₹10,000) after that 0%.

1.5% Cashback on All Other Spends

No Cap on the cashback amount

Exclusions

Fuel | Rent | Utilities | Government Transactions | e-Wallets | Insurance | Education | B2B...

: )

anonymuos · Dec 9, 2024

helloworld said:
Thread 'HSBC Live+ (Previously Cashback) Credit Card: Elevate Everyday Spending'

Sep 1, 2023

Key Features

10% Cashback on Grocery, Dining & Food Delivery (MCC)

Categories: Grocery, Dining, Swiggy/Zomato & Food Delivery

Cashback cap: ₹1000 per statement (limit reached if spent ₹10,000) after that 0%.

1.5% Cashback on All Other Spends

No Cap on the cashback amount

Exclusions

Fuel | Rent | Utilities | Government Transactions | e-Wallets | Insurance | Education | B2B...

helloworld

Replies: 388

Forum: HSBC Credit Card

: )

HSBC Live+ is a great card certainly. But self-employed can kindly f**k off as per HSBC policy : ) Salaried can definitely get

helloworld · Dec 9, 2024

anonymuos said:
HSBC Live+ is a great card certainly. But self-employed can kindly f**k off as per HSBC policy : ) Salaried can definitely get

So far your requirement

- must be for self-employed.
- Restaurants not partnered with Easy Diner but can be with Swiggy/Zomato.

Any other conditions? It would be better to simplify the process directly.

Swiggy Dineout = Mostly for HDFC cards (always) upto 15%.
Zomato Dining = It varies from time to time but mostly Federal, DBS present most of the time for 10%.

-----------------

In anycase,

If AMEX accepted then Plat Travel gives around 7% on 4L spends (can be offline or online without any tieups).
Atlas or Regalia Gold might provide upto 10% on 5L spends (can be offline or online without any tieups).
YES Reserv 5x might provide upto 9% on every 200 (online or offline reward rate vary, can be for any restaurants).

anonymuos · Dec 10, 2024

helloworld said:
So far your requirement

- must be for self-employed.
- Restaurants not partnered with Easy Diner but can be with Swiggy/Zomato.

Any other conditions? It would be better to simplify the process directly.

Swiggy Dineout = Mostly for HDFC cards (always) upto 15%.
Zomato Dining = It varies from time to time but mostly Federal, DBS present most of the time for 10%.

-----------------

In anycase,

If AMEX accepted then Plat Travel gives around 7% on 4L spends (can be offline or online without any tieups).
Atlas or Regalia Gold might provide upto 10% on 5L spends (can be offline or online without any tieups).
YES Reserv 5x might provide upto 9% on every 200 (online or offline reward rate vary, can be for any restaurants).

Actually compared to when I had asked that question in Jan 2024, I know a little bit better now. I have since then gotten 2 cards for EazyDiner actually - the lower variant IndusInd EazyDiner Platinum (20% up to ₹500) and the Kotak Everyday card which gives 30% up to ₹1000 (higher discount than EazyDiner Signature but limited number of times, although I got 4 of these Kotak cards that covers 16 times a month😲). But lately I am dining out or my friends want to borrow my cards so I may upgrade the EazyDiner Platinum to Signature (although limited restaurants remains an issue). For Swiggy Dineout, have just the HDFC Swiggy card for 10% + Swiggy discount coupons. Any others for Swiggy? (Infinia not possible for me). When the restaurant isn't partnered with ANY of these online platforms, I use IndusInd Titanium Delights DC for 5% (lots of food and dining MCCs covered) or Axis Liberty DC for 5% (weekends only) since HSBC cards I can't get as per policy.

For Zomato dining, are the 10% discounts only on Federal and DBS CCs or on DCs too in case you have observed?

Airmiles cards are not for me since I don't fly that much. These returns you mention on Amex Plat Travel, Axis Atlas, Regalia Gold - the reward points give that much value only if converted to airmiles ?

helloworld · Dec 10, 2024

anonymuos said:
Airmiles cards are not for me since I don't fly that much. These returns you mention on Amex Plat Travel, Axis Atlas, Regalia Gold - the reward points give that much value only if converted to airmiles ?

amzn voucher, least possible return. I never include airmiles in my calculations because value can be known only during redemption till then whatever fixed value that card provides.

Regalia Gold = Gold Catelogue, or Smartbuy booking, or Vouchers

Plat Travel = Amzn Voucher

Atlas = Direct bookings

anonymuos · Dec 10, 2024

helloworld said:
amzn voucher, least possible return. I never include airmiles in my calculations because value can be known only during redemption till then whatever fixed value that card provides.

Regalia Gold = Gold Catelogue, or Smartbuy booking, or Vouchers

Plat Travel = Amzn Voucher

Atlas = Direct bookings

But still they're all returns on flight bookings only, not direct valueback. Those kinds of cards are not for me. Amex requires a whole lot of spends which are difficult for me to complete. I think I'll open account in HSBC. Then they may consider Live+ after a few years

helloworld · Dec 10, 2024

anonymuos said:
But still they're all returns on flight bookings only, not direct valueback. Those kinds of cards are not for me. Amex requires a whole lot of spends which are difficult for me to complete. I think I'll open account in HSBC. Then they may consider Live+ after a few years

as mentioned earlier, you have lot of conditions, its better to list them.

So far your requirement

- must be for self-employed.
- Restaurants not partnered with Easy Diner but can be with Swiggy/Zomato.
- not preferred flights/hotels.
- prefer cashback but not a lot of spends (put some number here).

helloworld said:
Any other conditions? It would be better specify to simplify the process directly.

anonymuos · Dec 10, 2024

helloworld said:
as mentioned earlier, you have lot of conditions, its better to list them.

So far your requirement

- must be for self-employed.
- Restaurants not partnered with Easy Diner but can be with Swiggy/Zomato.
- not preferred flights/hotels.
- prefer cashback but not a lot of spends (put some number here).

Everyone has their requirements so they can get the best value from the cards that suit them the most. I am into dining but not into air travel (does everyone have to be into both? 😅) so obviously it doesn't make sense to get cards that club both air travel and dining rewards together in 1 card. Self-employed "condition" is not laid down by me - it's not something I can control in my PAN, or change about bank policies. 😄

Anyway it's not your sole responsibility to recommend me cards, nobody is forcing you 😄 If you are so burdened by my "conditions" then I relieve you of that role. As mentioned earlier, I found many good cards I wanted by the end of this year for my post made way back in Jan and shared the ones I got so anyone else with "lot of conditions" 🙄 will benefit from the info.

helloworld · Dec 10, 2024

anonymuos said:
anonymuos said:

Everyone has their requirements so they can get the best value from the cards that suit them the most. I am into dining but not into air travel (does everyone have to be into both? 😅) so obviously it doesn't make sense to get cards that club both air travel and dining rewards together in 1 card. Self-employed "condition" is not laid down by me - it's not something I can control in my PAN, or change about bank policies. 😄

Anyway it's not your sole responsibility to recommend me cards, nobody is forcing you 😄 If you are so burdened by my "conditions" then I relieve you of that role. As mentioned earlier, I found many good cards I wanted by the end of this year for my post made way back in Jan and shared the ones I got so any one else with "lot of conditions" 🙄 will benefit from the info.

Click to expand...

You're right, everyone has unique needs, and best card depends entirely on how one plans to use it.

- https://www.technofino.in/community/threads/guide-to-suggest-a-credit-card-basic-requirements.32560/

I didn't mean to imply that your "conditions" were unreasonable because it's clear that you're following decision based on what aligns with your spending patterns and preferred redemption. My intent was only to better understand your preferences so I could suggest options that match them.

With that, you're absolutely not required to take these suggestions or adjust your preferences. You're doing exactly the right thing by exploring cards that meet your needs. I hope my earlier responses were helpful in any way for someone with similar requirement. 😊

financetherapy · Dec 10, 2024

anonymuos said:
But the restaurants I visit at not there/haven't partnered with EazyDiner. That's the biggest problem. Far more restaurants there on Swiggy Dineout or Zomato Dining

Yes. That is one open point. Some of my go-to restaurants and bars are on eazydiner, plus a few good places I discovered through the app. So kind of made sense to me. It might not work for everyone.

CCFinvest · Dec 12, 2024

Indusind cards are not in the list.

helloworld · Dec 12, 2024

CCFinvest said:
Indusind cards are not in the list.

1st 3 words in title..

CCFinvest · Dec 12, 2024

helloworld said:
1st 3 words in title..

Which card is the best for earning highest value back on insurance payment without any capping or limit?

helloworld · Dec 12, 2024

CCFinvest said:
Which card is the best for earning highest value back on insurance payment without any capping or limit?

AMEX Plat Travel - 4L annually (~5%)
Infinia - 6L annually (~3%)

I belive we're talking about "personal" credit cards meant to use for "2 to 3 household persons" and "4L/6L" too much according to me, but anycase these are some options.

And if I refer your earlier post is IndusInd (as you mentioned not in the list) best card for insurance payment? Its 0.5% for pinnacle.

Since you're asking for 'without any capping or limit', whats the rough amount?

CCFinvest · Dec 12, 2024

helloworld said:
AMEX Plat Travel - 4L annually (~5%)
Infinia - 6L annually (~3%)

I belive we're talking about "personal" credit cards meant to use for "2 to 3 household persons" and "4L/6L" too much according to me, but anycase these are some options.

And if I refer your earlier post is IndusInd (as you mentioned not in the list) best card for insurance payment? Its 0.5% for pinnacle.

Since you're asking for 'without any capping or limit', whats the rough amount?

Single transaction 5L to 10L.
Indus pioneer metal heritage (visa infinite) gives 0.7% cash uncapped.
APay used to give 1% uncapped before recent devaluation.

helloworld · Dec 12, 2024

CCFinvest said:
Single transaction 5L to 10L.
Indus pioneer metal heritage (visa infinite) gives 0.7% cash uncapped.
APay used to give 1% uncapped before recent devaluation.

no idea about business spends related, someone might answer your query, open a new thread.

senasenthil · Dec 12, 2024

helloworld said:
AMEX Plat Travel - 4L annually (~5%)
Infinia - 6L annually (~3%)

I belive we're talking about "personal" credit cards meant to use for "2 to 3 household persons" and "4L/6L" too much according to me, but anycase these are some options.

And if I refer your earlier post is IndusInd (as you mentioned not in the list) best card for insurance payment? Its 0.5% for pinnacle.

Since you're asking for 'without any capping or limit', whats the rough amount?

Will the reward rate be 5% for Platinum Travel even after considering the card fee?

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

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

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

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

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 2024 | Category-wise Credit Card Recommendation By TechnoFino

TF Neo

TF Buzz

TF Ace

TF Legend

Key Features​

TF Ace

Key Features​

TF Legend

TF Ace

TF Legend

TF Ace

TF Legend

TF Ace

TF Legend

TF Buzz

TF Buzz

TF Legend

TF Buzz

TF Legend

TF Buzz

TF Legend

TF Premier

Similar threads

Key Features

Key Features