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

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Fini7777 said:
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 Banks: Public sector banks (except SBI & BOB)
📌 Excel File Includes 4 Sheets:
  • Sheet 1: Credit Card Database
  • Sheet 2: Quick Report (Filter-Based Search for Best Picks)
  • Sheet 3: Comprehensive Comparisons & Analysis (Best Cards by Category, LTF & RuPay Cards List)
  • Sheet 4: ROI & RR Calculators (HDFC & AMEX Cards)

Important Notes & Disclaimers:​

✅ If the pre-selected cards don’t suit your needs, apply filters in Sheet 2 to find the best card based on your spending pattern and eligibility.
✅ This guide maintains a minimal number of cards while ensuring the best possible returns, making selection easier
✅ Reward rates are based on the best possible redemption rates allowed by issuers, but exclusions apply.
✅ Some reward rates are calculated based on the most commonly used redemption options to ensure practical usability. Actual RR may slightly vary.
✅ Due to RBI guidelines, certain cards (e.g., Kotak, Scapia) are currently unavailable to customers.
✅ Income eligibility details are not included. Visit the official website for exact criteria.
✅ No referral or affiliate links are included—this guide is purely for awareness and Information purpose.
✅ Official website links are provided for each card, including the latest revisions, if any.
✅ Partner brands, eligible categories, and reward structures may change over time—always verify before applying.
✅ Check pincode availability with customer care before applying to avoid unnecessary credit inquiries.
✅ Milestone benefits may expire if unredeemed within a specific timeframe—read issuer terms carefully.
✅ Hidden charges & redemption fees—some issuers charge fees for redeeming points; check if it affects overall value.
✅ Reward points expiry—certain cards have reward points that expire (e.g., 2-3 years). Opt for non-expiring points if needed.
✅ Dynamic reward programs—banks like HDFC and Axis update their reward structures frequently. Stay updated.
✅ Hidden exclusions—some categories (e.g., insurance, utilities, wallet loads) may not earn rewards, even if they appear eligible. Always check the fine print.

**"My special thanks to @TechnoFino, @helloworld , @SSV , @BVC , @drsel , @Abhishek012 , and @bhavyegoel . some of your posts and reviews have been incredibly helpful in this process.***

Please let me know if you find any mistakes in the provided information—I’ll update the Excel sheet accordingly.

This guide aims to simplify credit card selection, ensuring you get the best possible value for your spending.

Google sheet Link: click here


Use the Attached MS Excel sheet for All the calculations and filters

I'll update the Google sheet Regularly.
Let me know your thoughts and feedback! Hope this helps the community. 😊🚀
Click to expand...

Brother Heading ko Freeze kar sakte ho kya, for a better viewing experience 🙂
 
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Great sheet...Please make Axis Magnus Burgundy and Axis Magnus as 2 separate cards...for Magnus Burgundy there is no reward capping/not sure if there is a reward cap of 25k that you have mentioned on the axis magnus...someone with that card can pls confirm
 
msankadi said:
Great sheet...Please make Axis Magnus Burgundy and Axis Magnus as 2 separate cards...for Magnus Burgundy there is no reward capping/not sure if there is a reward cap of 25k that you have mentioned on the axis magnus...someone with that card can pls confirm
Click to expand...
I did not include M4B in this sheet, and the card I included is Axis Magnus. I’ll try to include M4B in the sheet soon.

To be honest, I am not very interested in analyzing Axis credit cards as they are highly dynamic and unreliable. Of course, there are a few exceptions like M4B, Atlas, and Airtel, but they frequently change their terms.

Anyone using Axis Magnus is requested to verify the reward rate mentioned in my sheet and confirm if any corrections are required.
 
Fini7777 said:
I did not include M4B in this sheet, and the card I included is Axis Magnus. I’ll try to include M4B in the sheet soon.

To be honest, I am not very interested in analyzing Axis credit cards as they are highly dynamic and unreliable. Of course, there are a few exceptions like M4B, Atlas, and Airtel, but they frequently change their terms.

Anyone using Axis Magnus is requested to verify the reward rate mentioned in my sheet and confirm if any corrections are required.
Click to expand...
True but till the pain is worth the gain, which is an individual equation, people should explore that option, if available to them
 
Update: Exclusions & surcharge Info New
A new sheet has been added.
It contains all the excluded categories, such as rent, wallet loads, insurance, etc., along with their corresponding surcharges and maximum upper limits.

Though I tried my best to gather accurate information, some banks have not explicitly mentioned certain details anywhere. If you're using a particular card and notice any incorrect information, just DM me, and I'll correct the data accordingly.

'NA' refers to 'Not Available.' Some banks did not mention certain charges, fees, or related details in their fee & charges section or MITC, so I entered 'NA' to represent such cases.

Also Fuel surcharge info is added in main sheet (sheet 1)
 
  • New
    • thanks. this is awesome work 👍
    Just curious - HSBC Premier has not limit on 3% reward on Utilities, Tax, Insurance.. so is this not the best card for same? Infinia has limit for 5000 RP. So for say 2lacs premium, this would fetch only 5000 RP pm. Whereas Premier CC would fetch 6k RP. and as no upper limit, if one has higher spend on these categories, the RP will be even more.
    Or am i missing something ? I have applied for this card and would be great help if someone can clarify.
     
    Prady said:
    thanks. this is awesome work 👍
    Just curious - HSBC Premier has not limit on 3% reward on Utilities, Tax, Insurance.. so is this not the best card for same? Infinia has limit for 5000 RP. So for say 2lacs premium, this would fetch only 5000 RP pm. Whereas Premier CC would fetch 6k RP. and as no upper limit, if one has higher spend on these categories, the RP will be even more.
    Or am i missing something ? I have applied for this card and would be great help if someone can clarify.
    Click to expand...
    You are absolutely right! HSBC Premier is better if your spends exceed ₹1.5L in a month on these categories. However, considering the annual fees of HSBC and Infinia, as well as the better reward redemption rate on Infinia, HSBC Premier is a good choice only if you are an HSBC Premier banking customer.
    Personally, I prefer the Amex Platinum Travel Card over all these. While Amex might not give MR points on these categories, the spends are counted towards milestones, which can provide an overall return of up to 12% or even higher if you are into travel.

    My opinion:
    • If you are an HSBC Premier banking customer, go ahead and use the HSBC Premier Credit Card.
    • If not, use the Amex Platinum Travel Card until Amex removes these categories from milestone spends.
    • A third option would be HDFC Infinia or DCB Metal.
     
    Fini7777 said:
    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 Banks: Public sector banks (except SBI & BOB)
    📌 Excel File Includes 4 Sheets:
    • Sheet 1: Credit Card Database
    • Sheet 2: Quick Report (Filter-Based Search for Best Picks)
    • Sheet 3: Comprehensive Comparisons & Analysis (Best Cards by Category, LTF & RuPay Cards List)
    • Sheet 4: ROI & RR Calculators (HDFC & AMEX Cards)
    • Sheet 5: Details of Rent surcharge, Fuel Surcharge, and other fees and exclusions of all credit cards.

    Important Notes & Disclaimers:​

    ✅ If the pre-selected cards don’t suit your needs, apply filters in Sheet 2 to find the best card based on your spending pattern.
    ✅ This guide maintains a minimal number of cards while ensuring the best possible returns, making selection easier
    ✅ Reward rates are based on the best possible redemption rates allowed by issuers, but exclusions apply.
    ✅ Some reward rates are calculated based on the most commonly used redemption options to ensure practical usability. Actual RR may slightly vary.
    ✅ Due to RBI guidelines, certain cards (e.g., Scapia) are unavailable to customers.
    ✅ Income eligibility details are not included. Visit the official website for the exact criteria.
    ✅ No referral or affiliate links are included—this guide is purely for awareness and Information.
    ✅ Official website links are provided for each card, including the latest revisions, if any.
    ✅ Partner brands, eligible categories, and reward structures may change over time—always verify before applying.
    ✅ Check pin code availability with customer care before applying to avoid unnecessary credit inquiries.
    ✅ Milestone benefits may expire if unredeemed within a specific timeframe—read issuer terms carefully.
    ✅ Hidden charges & redemption fees—some issuers charge fees for redeeming points; check this data in sheet 5
    ✅ Reward points expiry—certain cards have reward points that expire (e.g., 2-3 years). Opt for non-expiring points if needed.
    ✅ Hidden exclusions—some categories (e.g., insurance, utilities, wallet loads) may not earn rewards, even if they appear eligible. check the details in sheet 5

    **"My special thanks to @TechnoFino, @helloworld , @SSV , @BVC , @drsel , @Abhishek012 , and @bhavyegoel . some of your posts and reviews have been incredibly helpful in this process.***

    Please let me know if you find any mistakes in the provided information, I’ll update the Excel sheet accordingly.

    This guide aims to simplify credit card selection, ensuring you get the best possible value for your spending.

    Google sheet Link: click here
    Update: "sheet 5 added, it contains all excluded categories, fee & surcharge related information"


    If any revisions or updates are available I'll update the Google sheet Regularly

    Let me know your thoughts and feedback! Hope this helps the community. Rate me if this helps you at any point in time.😊
    Click to expand...

    Hey @Fini7777 It is one great job that you have done 👍
    Keep it up
     
    HSBC premier credit card devaluation New
    Prady said:
    thanks. this is awesome work 👍
    Just curious - HSBC Premier has not limit on 3% reward on Utilities, Tax, Insurance.. so is this not the best card for same? Infinia has limit for 5000 RP. So for say 2lacs premium, this would fetch only 5000 RP pm. Whereas Premier CC would fetch 6k RP. and as no upper limit, if one has higher spend on these categories, the RP will be even more.
    Or am i missing something ? I have applied for this card and would be great help if someone can clarify.
    Click to expand...
    The game is over
    HSBC premier cc has been devalued
    No rewards on all these Categories and rewards can be earned on insurance and utilities spends up to 1 Lac per month
     
    Last edited:
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