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

TechnoFino · Nov 8, 2024

Hello TFCians,

We’ve updated our article, “Best Credit Cards 2024 | Category-wise Credit Card Recommendations by TechnoFino,” to reflect changes up to November 7, 2024. With less than two months until the start of 2025, I’ll be posting the "Best Credit Cards 2025" on January 1, 2025, with additional spending and lifestyle categories included.

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 Bank Swiggy Credit Card	Cashback	5% Cashback on select online categories	Maximum Cashback: 5% Category: Rs. 1500 per statement
	HDFC Millennia Credit Card	Cashback	5% Cashback on Amazon, Flipkart, Myntra.	Maximum Cashback: 5% Category: 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	Maximum capping: 1L YES Rewardz Points per statement cycle.
	SC Ultimate	Reward Points	3.33% Reward Points	No capping
	Amex Platinum Travel	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get Taj voucher worth Rs. 10,000	No capping on base points
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)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Reserve Credit Card	Reward Points/Airmiles	3% Airmiles	No Capping
	Axis Olympus Credit Card	Airmiles	4% Airmiles	No capping
	Axis Magnus Burgundy Credit Card	Reward Points/Airmiles	4.8% Airmiles	No capping
	Axis One/Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	No Capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No Capping

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. A fee of 1% of the transaction amount will be charged for utility payment transactions exceeding ₹50,000
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	25% Cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App. 10% Cashback on other utility bill payment via Airtel Thanks app.	Maximum cashback: 25% category: Rs. 250 per statement. 10% category: 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
	SC Ultimate	Reward Points	2% Reward Points	No Capping
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No normal MR points on utility spend.
Super Premium (Fees: Rs. 5001 to 12500)	HDFC Infinia Metal Credit Card	Reward Points/Airmiles	3.33% Reward Points	Maximum 2000 reward points can be earned per statement.
	HDFC Diners Club Black Metal Credit Card	Reward Points/Airmiles	3.33% Reward Points	Maximum 2000 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.
	ICICI Emedalde Private Metal	Reward Points	3% Reward Points	Maximum capping: 1000 Reward points per statement.
Luxury (Fees more than Rs. 12500)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

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 via Tata Neu App.	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 via Tata Neu App.	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
	Scepia Credit Card	Reward Points	2%	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.
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No base MR points on insurance spends.
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)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For Rent Payments:

Card Type	Card Name	Card's Reward Type	Reward	Fees	Effective Reward	Capping
Lifetime Free
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)	Axis Magnus Burgundy Credit Card	Reward Points/Airmiles	4.8% Airmiles	1% + 18% GST	3.62%	Points accrued only up to ₹50000 per statement
Luxury (Fees more than Rs. 12500)	HSBC Premier	Reward Points/Airmiles	3% Reward Points	1% + 18% GST	1.82%	No capping
	Axis Reserve Credit Card	Reward Points/Airmiles	3% Airmiles	1% + 18% GST (max: Rs. 1500)	1.82%	Points accrued only up to ₹1L per statement
	Axis Primus Credit Card	Airmiles	5% Airmiles	No Fee	5%	No Capping

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 LTF Cards (Wealth/Select/Millennia/Classic Credit Card)	Reward Points	0.50%	No capping
Entry Level (Fees upto Rs. 1,000)	SC Smart Credit Card	Cashback	2% Cashback	Maximum Cashback: Rs. 1000 per statement.
	BOB Eterna Credit Card	Reward Points	3.75%	Maximum expenses upto Rs 33,350 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 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1500 per transaction, 4 times a month.	No capping
	Amex Gold Charge	Reward Points/Airmiles	Upto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1000 per transaction, 6 times a month.	No capping
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)	N/A
Luxury (Fees more than Rs. 12500)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

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
	Scepia Credit Card	Reward Points	2%	No capping
Entry Level (Fees upto Rs. 1,000)	Axis ACE Credit Card	Cashback	1.5%	No capping
	HSBC Live+ Credit Card	Cashback	1.5%	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
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points.
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
	Yes Private Credit Card	Reward Points	2.5%	No capping
Luxury (Fees more than Rs. 12500)	Axis Reserve Credit Card	Reward Points/Airmiles	3% Airmiles	No capping
	Axis Burgundy Magnus Credit Card	Reward Points/Airmiles	4.8% Airmiles	No capping
	Axis One/ Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	No capping
	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Olympus Credit Card	Airmiles	4% Airmiles	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

Best Credit Cards For Government Payments/Tax Payments:

Card Type	Card Name	Card's Reward Type	Reward	Capping
Lifetime Free	NA
	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
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points
Super Premium (Fees: Rs. 5001 to 12500)	Yes Private Credit Card	Reward Points	2.5%	No capping
	HDFC BizBlack 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)	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

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
	Scepia Credit Card	Reward Points	2%	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	1.5%	No capping
	HSBC Live+ Credit Card	Cashback	1.5%	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
	Amex Platinum Travel Credit Card	Reward Points/Airmiles	Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000	No capping on base points
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)	HSBC Premier Credit Card	Reward Points/Airmiles	3%	No capping
	Axis Olympus Credit Card	Airmiles	4% Airmiles	No capping
	Axis Burgundy Magnus Credit Card	Reward Points/Airmiles	4.8% Airmiles	No capping
	Axis One/ Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	No capping
	Axis Primus Credit Card	Airmiles	5% Airmiles	No capping

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.
	IndianOil RBL Bank XTRA Credit Card	Reward Points	Earn 7.50% on expenses upto Rs. 13,400 per statement.	1% surcharges waiver on expenses of up to Rs 20,000 per statement.
	Amex Gold Charge Card	Reward Points/Airmiles	Upto 9% airmiles or 18% MR Points (with milestone bonus) just by spending Rs. 1000 per transaction, 6 times a month on fuel. Spent on Fuel payments capped at 5,000 Membership Rewards points in a calendar month.	0% surcharge on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
	Amex MRCC	Reward Points/Airmiles	Upto 8% airmiles or 16% MR Points in milestone bonus just by spending Rs. 1500 per transaction, 4 times a month on fuel. No reward points on fuel spends.	0% surcharge fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Super Premium (Fees: Rs. 5001 to 12500)	N/A
Luxury (Fees more than Rs. 12500)	Axis Primus Credit Card	Airmiles	5% Airmiles	1% of the transaction amount gets refunded for fuel transactions between Rs. 400 to Rs. 10,000. per Statement Cycle

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)	SBI Cashback Credit Card	Cashback	5% (Online spends)	3.50%		0.87%	Maximum Cashback: Rs. 5000 per statement.
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
	Axis Olympus Credit Card	Airmiles	8% Airmiles	1.8% + GST	Nil	5.88% Airmiles	No capping
	Axis Burgundy Magnus Credit Card	Reward Points/Airmiles	4.8% Airmiles	2%+GST	Nil	2.44%	No capping
	Axis One/ Burgundy Private Credit Card	Reward Points/Airmiles	6% Airmiles	Nil	Nil	6%	No capping
	Axis Primus	Airmiles	5% Airmiles	Nil	Nil	5%	No capping
	HSBC Premier Credit Card	Reward Points/Airmiles	3% Reward Points	0.99% + GST	Nil	1.83%	No capping
	Indusind Pioneer Heritage Metal Credit Card	Reward Points	2.5% Reward Points	Nil	Nil	2.5%	No capping
	Amex Platinum Charge Card	Reward Points/Airmiles	7.5% MR Points or Marriott Points/3.75% Airmiles	3.50%	Nil	3.37% MR or Marriott Points/ (-)0.38% 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. 10,000 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	Spend Rs. 50,000 on the previous quarter	Yes, Unlimited	4 Free guest access
Luxury (Fees more than Rs. 12500)	Axis Reserve Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	Axis Olympus Credit Card	Unlimited	Nil	Yes, Unlimited	10 Free guest access
	Axis Burgundy Magnus Credit Card	Unlimited	Spend Rs. 50,000 on the previous quarter	Yes, Unlimited	4 Free guest access
	Axis One / Burgundy Private Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	Axis Primus Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	HSBC Premier Credit Card	Unlimited	Nil	Yes, Unlimited	Not Available

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	Spend Rs. 50,000 on the previous quarter	No	4 Free guest access
Luxury (Fees more than Rs. 12500)	Axis Reserve Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	Axis Olympus Credit Card	Unlimited	Nil	Yes, Unlimited	10 Free guest access
	HSBC Premier Credit Card	Unlimited	Nil	Yes, Unlimited	8 Free guest access
	Axis Burgundy Magnus Credit Card	Unlimited	Spend Rs. 50,000 on the previous quarter	Yes, Unlimited	4 Free guest access
	Axis One / Burgundy Private Credit Card	Unlimited	Nil	Yes, Unlimited	12 Free guest access
	Axis Primus 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
	AU Small Finance Bank Xcite Ace Credit Card	2 per quarter	Nil
	AU Small Finance Bank Xcite Ultra Credit Card	2 per quarter	Nil
	ICICI Coral Rupay Credit Card	1 per quarter	Nil
Entry Level (Fees upto Rs. 1,000)	AU Small Finance Bank Altura Credit Card	2 per quarter	Nil
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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arvinder · Nov 8, 2024

Thanks a lot 🙏

EnthuCC · Nov 8, 2024

AU Ixigo is not mentioned.
Why?

pinki · Nov 8, 2024

Rbl IOCL xtra not included in FUEL ⛽ is surprising 🙂

vine · Nov 8, 2024

It's that time of the year to update this table.

Umang85 · Nov 8, 2024

Sbi elite would also got into some of the categories.

sourpai · Nov 8, 2024

Umang85 said:
Sbi elite would also got into some of the categories.

Why exactly? None of SBI cards except SBI Cashback and SBI Vistara have anything great to offer compared to the cards listed in the article

Avinash.Mishra · Nov 8, 2024

TechnoFino said:
Hello TFCians,

We’ve updated our article, “Best Credit Cards 2024 | Category-wise Credit Card Recommendations by TechnoFino,” to reflect changes up to November 7, 2024. With less than two months until the start of 2025, I’ll be posting the "Best Credit Cards 2025" on January 1, 2025, with additional spending and lifestyle categories included.

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 Bank Swiggy Credit Card Cashback 5% Cashback on select online categories Maximum Cashback:
5% Category: Rs. 1500 per statement
HDFC Millennia Credit Card Cashback 5% Cashback on Amazon, Flipkart, Myntra. Maximum Cashback:
5% Category: 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 Maximum capping: 1L YES Rewardz Points per statement cycle.
SC Ultimate Reward Points 3.33% Reward Points No capping
Amex Platinum Travel Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points
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) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping
Axis Olympus Credit Card Airmiles 4% Airmiles No capping

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.
A fee of 1% of the transaction amount will be charged for utility payment transactions exceeding ₹50,000
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 25% Cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App.
10% Cashback on other utility bill payment via Airtel Thanks app. Maximum cashback:
25% category: Rs. 250 per statement.
10% category: 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
SC Ultimate Reward Points 2% Reward Points No Capping
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No normal MR points on utility spend.
Super Premium (Fees: Rs. 5001 to 12500) HDFC Infinia Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 2000 reward points can be earned per statement.
HDFC Diners Club Black Metal Credit Card Reward Points/Airmiles 3.33% Reward Points Maximum 2000 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.
ICICI Emedalde Private Metal Reward Points 3% Reward Points Maximum capping: 1000 Reward points per statement.
Luxury (Fees more than Rs. 12500) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping

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 via Tata Neu App. 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 via Tata Neu App. 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.
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 10% MR/MB Points/5% Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No base MR points on insurance spends.
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) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping

Best Credit Cards For Rent Payments:

Card Type Card Name Card's Reward Type Reward Fees Effective Reward Capping
Lifetime Free
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) Axis Magnus Burgundy Credit Card Reward Points/Airmiles 4.8% Airmiles 1% + 18% GST 3.62% Points accrued only up to ₹50000 per statement
Luxury (Fees more than Rs. 12500) HSBC Premier Reward Points/Airmiles 3% Reward Points 1% + 18% GST 1.82% No capping
Axis Reserve Credit Card Reward Points/Airmiles 3% Airmiles 1% + 18% GST (max: Rs. 1500) 1.82% Points accrued only up to ₹1L per statement

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.
BOB Eterna Credit Card Reward Points 3.75% Maximum expenses upto Rs 33,350 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 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1500 per transaction, 4 times a month. No capping
Amex Gold Charge Reward Points/Airmiles Upto 18% MR/MB Points(2% base)/9% Airmiles (1% base) in bonus just by spending Rs. 1000 per transaction, 6 times a month. No capping
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points
Super Premium (Fees: Rs. 5001 to 12500) N/A
Luxury (Fees more than Rs. 12500) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping

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 1.5% No capping
HSBC Live+ Credit Card Cashback 1.5% 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
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points.
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
Yes Private Credit Card Reward Points 2.5% No capping
Luxury (Fees more than Rs. 12500) Axis Reserve Credit Card Reward Points/Airmiles 3% Airmiles No capping
HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points No capping
Axis Olympus Credit Card Airmiles 4% 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
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points
Super Premium (Fees: Rs. 5001 to 12500) Yes Private Credit Card Reward Points 2.5% No capping
HDFC BizBlack 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) HSBC Premier Credit Card Reward Points/Airmiles 3% Reward No capping

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 1.5% No capping
HSBC Live+ Credit Card Cashback 1.5% 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
Amex Platinum Travel Credit Card Reward Points/Airmiles Upto 12% MR/MB Points(2% base)/6% (1% base) Airmiles in bonus on spending 4L (total, across all categories) in a year. Also get taj voucher worth of Rs. 10,000 No capping on base points
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) HSBC Premier Credit Card Reward Points/Airmiles 3% No capping
Axis Olympus Credit Card Airmiles 4% No capping

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.
Amex Gold Charge Card Reward Points/Airmiles Upto 9% airmiles or 18% MR Points (with milestone bonus) just by spending Rs. 1000 per transaction, 6 times a month on fuel.
Spent on Fuel payments capped at 5,000 Membership Rewards points in a calendar month. 0% surcharge on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Amex MRCC Reward Points/Airmiles Upto 8% airmiles or 16% MR Points in milestone bonus just by spending Rs. 1500 per transaction, 4 times a month on fuel.
No reward points on fuel spends. 0% surcharge fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% surcharge on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
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) SBI Cashback Credit Card Cashback 5%
(Online spends) 3.50% 0.87% Maximum Cashback: Rs. 5000 per statement.
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
HSBC Premier Credit Card Reward Points/Airmiles 3% Reward Points 0.99% + GST Nil 1.83%
Indusind Pioneer Heritage Metal Credit Card Reward Points 2.5% Reward Points Nil Nil 2.5% No capping
Amex Platinum Charge Card Reward Points/Airmiles 7.5% MR Points or Marriott Points/3.75% Airmiles 3.50% Nil 3.37% MR or Marriott Points/ (-)0.38% 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
Axis Olympus Credit Card Unlimited Nil Yes, Unlimited 10 Free guest access
HSBC Premier Credit Card Unlimited Nil Yes, Unlimited Not Available

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
Axis Olympus Credit Card Unlimited Nil Yes, Unlimited 10 Free guest access
HSBC Premier Credit Card Unlimited Nil Yes, Unlimited 8 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
AU Small Finance Bank Xcite Ace Credit Card 2 per quarter Nil
AU Small Finance Bank Xcite Ultra Credit Card 2 per quarter Nil
ICICI Coral Rupay Credit Card 1 per quarter Nil
Entry Level (Fees upto Rs. 1,000) AU Small Finance Bank Altura Credit Card 2 per quarter Nil
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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Scapia spend requirement is 10000 now and it gives 2% value back in both online and offline spends it can go in lifetime free category

lijov · Nov 8, 2024

Excellent job.. Updating it with all the latest changes.. was starting to get really confusing with all the recent changes..

newinnov · Nov 8, 2024

I think an avg joe should opt for below 4-5 cards-

1. icici Apay :- (Jack of all trades)
2. Axis Airtel (<5k) | ACE(>5k) :- (Bill Pay)
3. Tata | Coral :- (UPI/Lounge)
4. SBI cashback | HDFC Swiggy :- (online spends)

And be done with card journey. 🤓

mastfun · Nov 8, 2024

Can we please add Burgundy MAGNUS benefits as well

mail_amity · Nov 8, 2024

Doesn't HSBC LIve+ offer 10% cashback on offline transactions ( with 1000 capping)?

Umang85 · Nov 8, 2024

mail_amity said:
Doesn't HSBC LIve+ offer 10% cashback on offline transactions ( with 1000 capping)?

10% accelerated cashback, up to INR1,000 a month, on all dining, food delivery and grocery spends.
It does but only in select categories.

mayankcse10 · Nov 8, 2024

I think this thread should be pinned until an updated thread next year, and a lot of unnecessary pinned threads could be unpinned.

credit.cards · Nov 8, 2024

Thanks for the great post. I need insights about BOB ICAI credit card. For lounge access, I have ICICI Rubyx dual variant, HDFC Millennia and Tata Neu Infinity. All are LTF cards. But now except Tata Neu Infinity, both the other cards have put up quarterly spent-based criteria for the complimentary lounge access.

I am CA and considering BOB ICAI credit card for the domestic lounge access. At present, the card has 3 complimentary domestic lounge access per quarter. I don't travel a lot. I don't have any core BOB cards at present. Is it okay to directly opt for this BOB ICAI co-branded card? If yes, should I take Mastercard or Rupay variant?

hemanthgkl1 · Nov 8, 2024

No card from Indusind ?

theXfactor · Nov 8, 2024

Dada, give points to each of these cards under different categories and rank overall best 1-10. 🙂
I know..."One size doesn't fit all" before it comes.

Curious_govou · Nov 8, 2024

Don't find hdfc swiggy useful... where do you use it for ?

cowcoconut · Nov 8, 2024

In "Best Credit Cards For International Airport Lounge Access:" change column name to "International Lounge Limit" @TechnoFino

cowcoconut · Nov 8, 2024

Also I think it's high time we add categories for food delivery and flights.

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

Founder

TF Select

TF Premier

TF Legend

TF Legend

TF Buzz

TF Legend

TF Buzz

TF Buzz

TF Ace

TF Premier

TF Select

TF Buzz

Attachments

TF Select

TF Buzz

TF Buzz

TF Buzz

TF Buzz

TF Premier

TF Premier

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