Credit Card Exclusions & Surcharges: A Complete List for Popular Cards from All Major Issuers!

[Fini7777]

This sheet provides a detailed breakdown of excluded spending categories for popular credit cards from all major banks.
It includes categories such as r
1. Govt / Tax
2. Rental Txns
3. Wallet Load
4. Insurance
5. education
6. Jewellery
7. Untility Bill payments
8. Fuel
along with their applicable surcharges and maximum limits.

Since not all banks explicitly disclose these details in their MITC (Most Important Terms & Conditions) or fee structure, some data may be unavailable. In such cases, "NA" has been used to indicate missing information. If you find any discrepancies or have firsthand information about a specific card, feel free to DM me for corrections.

Google sheet link: click here

For more details go through this thread

Thread 'The Ultimate Credit Card Guide – One-Stop Solution for All Your Queries with RR Analysis!'

Feb 13, 2025

First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

📌 Banks Analyzed: 16 issuers, covering 96 credit cards
📌 Excluded...

• Fini7777

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[redcarpet]

Thank you for this, valuable contribution

 

[SreeU]

Thanks a lot

This sheet provides a detailed breakdown of excluded spending categories for popular credit cards from all major banks.
It includes categories such as r
1. Govt / Tax
2. Rental Txns
3. Wallet Load
4. Insurance
5. education
6. Jewellery
7. Untility Bill payments
8. Fuel
along with their applicable surcharges and maximum limits.

Since not all banks explicitly disclose these details in their MITC (Most Important Terms & Conditions) or fee structure, some data may be unavailable. In such cases, "NA" has been used to indicate missing information. If you find any discrepancies or have firsthand information about a specific card, feel free to DM me for corrections.

Google sheet link: click here

Thanks a lot,

 

[Panthera_Tigris]

Thanks, this is really nice. I need something for advance tax payments since Biz Black has a monthly cap of only 56K for accelerated points for tax.

It seems Amex is amazing for that with 18%. I never knew that.

 

[Fini7777]

Thanks, this is really nice. I need something for advance tax payments since Biz Black has a monthly cap of only 56K for accelerated points for tax.

It seems Amex is amazing for that with 18%. I never knew that.

Consider amex plat travel: up to 12%
Other amex cards are not that useful in ur case as they r monthly milestone based
Check my other thread where I added calculators for amex cards and included detailed information about them

 

[sravanbrahma]

Y

This sheet provides a detailed breakdown of excluded spending categories for popular credit cards from all major banks.
It includes categories such as r
1. Govt / Tax
2. Rental Txns
3. Wallet Load
4. Insurance
5. education
6. Jewellery
7. Untility Bill payments
8. Fuel
along with their applicable surcharges and maximum limits.

Since not all banks explicitly disclose these details in their MITC (Most Important Terms & Conditions) or fee structure, some data may be unavailable. In such cases, "NA" has been used to indicate missing information. If you find any discrepancies or have firsthand information about a specific card, feel free to DM me for corrections.

Google sheet link: click here

Yes reserv has 0 rewards for govt ? Can you please check once ?

 

[Fini7777]

Y

Yes reserv has 0 rewards for govt ? Can you please check once ?

All yes bank cards provide rewards for govt services
I forgot to type reward rate I'll update it
Thanks for reporting