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.😊
