Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino

[Akshay Ajmera]

Idfc bank cc charges 1% plus gst on wallet load. So effective return is negative actually

 

[TechnoFinoTechnoFino is verified member.]

Idfc bank cc charges 1% plus gst on wallet load. So effective return is negative actually

IDFC FIRST Bank credit card charges 1% on wallet loading? can you share more detail....

 

[rsyed]

Please also update on best card for gold purchase

If Tanishq then TataNeu cc

 

[pshah1995]

For Yes marquee the lounge access now have spend criteria of 1 lakh!

 

[Akshay Ajmera]

IDFC FIRST Bank credit card charges 1% on wallet loading? can you share more detail....

I added approx 15k in payzapp wallet. Apart from payzapp charges, idfc first bank also charged me with 1% plus gst

 

[TechnoFinoTechnoFino is verified member.]

I added approx 15k in payzapp wallet. Apart from payzapp charges, idfc first bank also charged me with 1% plus gst

Have you contacted IDFC FIRST Bank regarding this? They haven’t mentioned any fees for wallet loading. They do charge for utility and rent payments after exceeding a certain amount in a month, but not for wallet loading.

 

[TechnoFinoTechnoFino is verified member.]

For Yes marquee the lounge access now have spend criteria of 1 lakh!

that's only for domestic airport lounges, not applicable for International airport lounge access.

 

[Akshay Ajmera]

Have you contacted IDFC FIRST Bank regarding this? They haven’t mentioned any fees for wallet loading. They do charge for utility and rent payments after exceeding a certain amount in a month, but not for wallet loading.

Wallet load ko vo utility category hi consider karte hai. Few other banks also consider it under utility bill payment.

 

[TechnoFinoTechnoFino is verified member.]

Wallet load ko vo utility category hi consider karte hai. Few other banks also consider it under utility bill payment.

Nope... not correct, you should've filed complaint with them.

 

[Akshay Ajmera]

Also for movie ticket
I hold indusind pinnacle credit card, which provide 3 BOGO in a month upto 200.
My brother use indusind legend As mentioned in your list. Officially they mention that ticket is provided based on first come first serve basis, but We never receive this offer.
Have tried it even at 12 noon

 

[Akshay Ajmera]

Nope... not correct, you should've filed complaint with them.

Ok, will do

 

[Akshay Ajmera]

Has anyone recently received the offer for additional BOB snapdeal card as LTF ??

Me, last year

 

[lpshreyas]

A couple of things have been missing from the list about the Tata Neu Infinity card.

• 1.5% cashback on insurance payments done directly from the insurance site
• 1.5% cashback on offline purchases
• Monthly cap of 2000 on grocery spends

 

[gamersgzb]

A couple of things have been missing from the list about the Tata Neu Infinity card.

• 1.5% cashback on insurance payments done directly from the insurance site
• 1.5% cashback on offline purchases
• Monthly cap of 2000 on grocery spends

Limit/Cap of this 1.5% neu points when payment done on insurance website?

 

[lpshreyas]

Limit/Cap of this 1.5% neu points when payment done on insurance website?

There's a daily cap of 2000 Neu coins for insurance payments whether it's spent in the 5% or in the 1.5% category

 

[mayanks1892]

There's a daily cap of 2000 Neu coins for insurance payments whether it's spent in the 5% or in the 1.5% category

Is everyone getting option to pay using neu infinity card rupay version using card on neu app or is it removed for all rupay card users?

 

[deepak84]

For Yes marquee the lounge access now have spend criteria of 1 lakh!

Most cards have spend criteria just for domestic lounge access....there is no such spend criteria for international lounge access As far as i know...

 

[theglobalinvestor]

Does anyone have a link to a table/database like above by category for all/most credit cards for comparison?

 

[Prarthit]

any specific recommendations for Jewellery purchases, it will be helpful to know.

AU cc frequently runs promotional offers on jewellery spends afaik.
You can check out.

 

[maheshspanicker]

Great work as always.
From this list, what seems clear is that the best credit card in India has to be the ICICI Amazon Pay Credit Card. No other card has made it to aas many lists. In specific contexts, there are of course better cards, but with their history, ICICI getting this right is fabulous, and with this one card, they have to be absolved for all their other sins!
The Neu Infinity is also good for offline POS spends with a return of 1.5 percent. AU Zenith gives 1.25 in the category.
Zenith also deserves a mention in the offline, non-Eazydiner/Swiggy/Zomato dining as it gives a 5 percent return.
SC Ultimate has made multiple entries, it will be great if it is accompanied with a note about the absolute garbage yard of a reward portal they have that for very many people, make their seemingly great reward rate totally meaningless.
On the other hand, SC Supervalue Titanium also can have a mention, as despite the small returns, it offers the convenience of not being bothered about the provider when it comes to fuel...