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

[prasenjitp04]

Axis is one my least preferred card due to their complicated reward system & frequent flip-flop. Still, can anyone help me to understand how Atlas offers 4% edgemiles for all offline spends (excluding Travel category). Short calculation or reference with existing calculation will be beneficial.

 

[LiamHouse]

@TechnoFino The Marquee guest lounge access tab is incorrect

 

[Akshay Ajmera]

International airport lounge (ltf cards )

You can add idfc first wealth and au ixigo credit card

 

[Akshay Ajmera]

Can you add some more categories like airport spa and movie offers

 

[TechnoFinoTechnoFino is verified member.]

Can you add some more categories like airport spa and movie offers

this will be added on next article, Best credit card for 2025 🙂

 

[sibi]

Axis is one my least preferred card due to their complicated reward system & frequent flip-flop. Still, can anyone help me to understand how Atlas offers 4% edgemiles for all offline spends (excluding Travel category). Short calculation or reference with existing calculation will be beneficial.

All offline transactions excluding hotel partners provide 2% edge miles only. Since the conversion is 1:2 for majority of partners you can consider it as 4%.

e.g with spend of 5000 rupees you if you convert 100 edge miles to Accor, you will get 200 Accor points and their conversion is at approx 1 point = 1.8 rupees.. this will be highest yield as far i know approx 7%

 

[qwert]

Any good card for education spends?

 

[LiamHouse]

Any good card for education spends?

atlas is pretty good

 

[lamergameryt]

Should I go for IDFC WOW for international spends?

 

[qwert]

sadly I don't have atlas. I am planning to get it next yr. Here are the cards I have. https://www.technofino.in/community/threads/💳-share-brag-your-cards-portfolio-here-🤑.18/post-862369

atlas is pretty good

 

[kesarkarshri]

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 Yes 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
	HSBC Premier Credit Card	Reward Points/Airmiles	3%

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	Primary Card Lounge Access 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	Primary Card Lounge Access Limit	Spend Requirements	Available For Add-on Card Holders (Y/N)	Guest Access (Per Year)
Lifetime Free	IDFC First Wealth		Spent ₹20,000 every month in last quarter.	Yes, Shared limit	Not Available
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	4 Free guest access
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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• Apply For Lifetime Free Kiwi Yes Bank Credit Card: Click Here To Apply
• Apply For IDFC First Bank Mayura Credit Card: Click Here To Apply

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 AU Xcite Ultra can be added in domestic lounge in LTF type and there's no spend criteria.Also, SC Ultimate has no spend criteria for domestic.Thanks.

 

[Prem03]

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 Yes 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
	HSBC Premier Credit Card	Reward Points/Airmiles	3%

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	Primary Card Lounge Access 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	Primary Card Lounge Access Limit	Spend Requirements	Available For Add-on Card Holders (Y/N)	Guest Access (Per Year)
Lifetime Free	IDFC First Wealth		Spent ₹20,000 every month in last quarter.	Yes, Shared limit	Not Available
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	4 Free guest access
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.
Happy reward earning!
Cheers 🥂

Wow that's an awesome list.
@TechnoFino Just one question. Why is Amazon Pay CC not added as the best LTF CC for the government spends? I use it for NPS payments to get flat 1% cashback.

 

[TechnoFinoTechnoFino is verified member.]

Wow that's an awesome list.
@TechnoFino Just one question. Why is Amazon Pay CC not added as the best LTF CC for the government spends? I use it for NPS payments to get flat 1% cashback.

they are not giving cashback on tax payment.

 

[cardio_guy]

Offline transactions: We can add HDFC Swiggy and HDFC Tata Neu Infinity, both gives 1% - 1.5% cashback. (capped though)