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

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.

***[Updated Thread Link: https://www.technofino.in/community...edit-card-recommendation-by-technofino.34042/]

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 🥂

 

[TheGuy]

They have some good offline cards, though some planning is required.

do elaborate...

HSBC Cashback provides 10% on grocery

Yes and same has been mentioned in discussion.

 

[Pack_of_Cards]

I reckon we could add SC Super Value Titanium to the fuel category listing. Could easily be converted to LTF.

Agreed, but max fuel ~4000 every month. This card gives only a max of 2*100 as Cashback. And also there will be that 1-3% fuel surcharge which effectively lower the 5% reward rate to 4% or 3.5% depending on surcharge levied. The only good thing is its independent of Petrol Company, but I believe the limits should have been higher.

Also I believe the max caps on utility and telecom bills interchanged as cap of 100Rs is too low on utility.

 

[Pack_of_Cards]

which rent app do you use and do we get any points on using Au Zenith for rent? If yes, what shall be the effective reward rate post charges if any. Thanks.

Yes you do get points on rent payment via AU Zenith, reward rate is usually 1 - 1.25% depending on how low you can make your convenience fee.

 

[hs23new]

Best Credit Cards For International Airport Lounge Access:
Best Credit Cards For Domestic Airport Lounge Access:
Yes Marquee. Unlimited for primary + addon + 8 guest visit for 5900 annual fees.

Best Credit Cards For International Transactions:
RBL World Safari Credit Card Spend 7.5L in a year & get reward of worth Rs. 20,500

@TechnoFino How 20500? 25000 rp = 6250 plus 10k Amazon Pay. Total 16250.

 

[hs23new]

Best Credit Cards For International Transactions:

Au Zenith + - 0.82%. Additional 1000 Rs on 75k spends. Total return on 75k - 2.25%, 1L - 1.82%.

 

[vine]

do elaborate...

Yes and same has been mentioned in discussion.

Does Hsbc cashback work for offline grocery stores too?

 

[RajeshV]

Does Hsbc cashback work for offline grocery stores too?

That's where it primarily works. Do a sample transaction once to make sure the store has proper MCC though.

 

[uchitshah]

I am really surprised that with negative perception people have develop towards Magnus.
I recently got Burgundy Magnus (Lifetime free)
Unlimited lounge access
5:4 conversion ratio
12rp per 200rs expenditure
35rp per 200rs expenditure after 1.5 lac

What wrong with it
I found it to be best rewarding credit card if converting into airmiles.

I feels Indian metality need little tunning, they want all for free and don't even want on the card also.
Sorry but in life nothing is free.

 

[sm9811911]

I am really surprised that with negative perception people have develop towards Magnus.
I recently got Burgundy Magnus (Lifetime free)
Unlimited lounge access
5:4 conversion ratio
12rp per 200rs expenditure
35rp per 200rs expenditure after 1.5 lac

What wrong with it
I found it to be best rewarding credit card if converting into airmiles.

I feels Indian metality need little tunning, they want all for free and don't even want on the card also.
Sorry but in life nothing is free.

It's not about charges. A top national bank can't decide what it wants to do with it's one of the most premium credit card. What rewards, fees, ratios it wants to keep. Every few weeks there's a new rule. That's just crazy. I think deserves the bad press.
But at the same time, I am sure people like you who can ride the wave skillfully will enjoy the show..

 

[kaushik_v]

Does axis atlas provide 4% air miles for all transactions ?

 

[Sreebhargava]

Anyone please suggest a credit card with low joining fee with low forex markup and reward points, as RBL world doesn't have any reward points looking for other options

 

[sm9811911]

Anyone please suggest a credit card with low joining fee with low forex markup and reward points, as RBL world doesn't have any reward points looking for other options

IDFC wealth and WOW. .

 

[R@J]

IDFC wealth and WOW. .

low joining fees me utna hi reward milega 😛

 

[BlueFlash]

Indian mentality need little tunning

Says the guy who owns M4B... BhaiJaan, check India's per capita income, and then Burgundy's eligibility...

 

[drsel]

Magnus is a very complicated product with lots of problems... so I decided to maintain safe distance from axis magnus

Infinia is even more complex.
You get 16.5% points if you buy airtickets on Smartbuy.
But only 70% of these points can be used for the next purchase of air tickets.
So how do you calculate the return % on Smart buy spends?

 

[drsel]

Add miscellaneous categories like best credit card for groceries/supermarket, I think SCB Manhattan is the king of supermarkets with 5% cashback up to 500

Bigbasket 20% discount with IndusInd exclusive debit card (400 on 2000 upto 500 on 2500).
So 5% is nothing.

 

[sid16]

Bigbasket 20% discount with IndusInd exclusive debit card (400 on 2000 upto 500 on 2500).
So 5% is nothing.

Bigbasket 20% discount also available on Axis Select credit card (same 400 on 2000 upto 500 on 2500)

 

[sid16]

I am really surprised that with negative perception people have develop towards Magnus.
I recently got Burgundy Magnus (Lifetime free)
Unlimited lounge access
5:4 conversion ratio
12rp per 200rs expenditure
35rp per 200rs expenditure after 1.5 lac

What wrong with it
I found it to be best rewarding credit card if converting into airmiles.

I feels Indian metality need little tunning, they want all for free and don't even want on the card also.
Sorry but in life nothing is free.

I agree regarding how rewarding it is, especially non spend based benefits such as Airport Concierge and Guest Lounge access, that's why I decided to keep it. Having said that, they made it quite complicated with the exclusions. Many times I end up paying utility bills using it and then realise that no points were given for the same. Also, their invoicing is horrendous. They just show the total ER points. Look at HDFC, they clearly show reward points per transaction. Other banks at least show total reward points earned in that statement.

 

[Prime Carlsen]

I am really surprised that with negative perception people have develop towards Magnus.
I recently got Burgundy Magnus (Lifetime free)
Unlimited lounge access
5:4 conversion ratio
12rp per 200rs expenditure
35rp per 200rs expenditure after 1.5 lac

What wrong with it
I found it to be best rewarding credit card if converting into airmiles.

I feels Indian metality need little tunning, they want all for free and don't even want on the card also.
Sorry but in life nothing is free.

You don't have Magnus, you have burgandy Magnus. For high spends ofcourse it is rewarding. I agree for this segment it should be considered.

I feels Indian metality need little tunning, they want all for free and don't even want on the card also.
Sorry but in life nothing is free.

You say this while holding one of the most rewarding card as ltf. Ofcourse it makes sense for you to keep.

Negative perception is because of frequent rule changes as someone pointed and I think because of changing its position away from what it was earlier. The card moved away from easily accessible with a good reward for a slightly higher spend to difficult to obtain, with no renewal benefit and much higher spending requirement for good returns. It shifted its spend segment where it made sense so why should people from that segment still consider it.

 

[Avatar Aang]

I am really surprised that with negative perception people have develop towards Magnus.
I recently got Burgundy Magnus (Lifetime free)
Unlimited lounge access
5:4 conversion ratio
12rp per 200rs expenditure
35rp per 200rs expenditure after 1.5 lac

What wrong with it
I found it to be best rewarding credit card if converting into airmiles.

I feels Indian metality need little tunning, they want all for free and don't even want on the card also.
Sorry but in life nothing is free.

M4B is a superb card. But IMO the criteria is very steep.