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

[Navneetk24]

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.😊

There is mismatch between key benefits and fuel surcharge waiver of Axis neo card.

 

[cardio_guycardio_guy is verified member.]

Great work, expecting more features.
Pls also add the facility to filter the cards. Is it possible to shortlist cards from different banks etc?

 

[paxauquabriba-4876]

😍 Fini7777 😍

Much Love & Respecc

 

[Fini7777]

Great work, expecting more features.
Pls also add the facility to filter the cards. Is it possible to shortlist cards from different banks etc?

It's already enabled it for sheet 2 let me check I might have disabled it during update
I'll upload the ms excel again where u can can perform these all

 

[Fini7777]

There is mismatch between key benefits and fuel surcharge waiver of Axis neo card.

updated . .

 

[Fini7777]

Great work, expecting more features.
Pls also add the facility to filter the cards. Is it possible to shortlist cards from different banks etc?

Done.. Added MS Excel with all the updated sheets, use that file for filtering...

 

[Prady]

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

Guess one can still make payments by 31st March to get the 3% RP and maximize over infinia

 

[cardio_guycardio_guy is verified member.]

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

HSBC has rolled back their devaluation. (with cap now)

HSBC Premier Credit Card walks back on devaluation due to go live as of April 2025 - Live From A Lounge

HSBC's Premier Credit Card will change one of its founding principles of rewarding all sorts of spends as of April 1, 2025. Here are the details.

livefromalounge.com

 

[sumeet]

SC Ultimate Dont have any offer for movie ticket I believe as it is not mentioned in site. Maybe I am missing something

 

[Fini7777]

SC Ultimate Dont have any offer for movie ticket I believe as it is not mentioned in site. Maybe I am missing something

It's VISA infinite offer

 

[Fini7777]

I’ve updated my Credit Card Guide with the latest information and improvements! Here’s what’s new:

Sheet 1 (Credit Card Database)
✅ Added more cards – now covering 17 issuers & 105 cards
✅ Included new ICICI & IDFC credit cards
✅ Updated ICICI reward rates with the latest iShop portal data
✅ Updated Kotak Bank credit card details (issuance from April 2025)
✅ Scapia cards are now available for new customers
✅ Added sections on Milestone Benefits, Reward Structure, Redemption Options, and Fuel Surcharge Waiver

Sheet 2 (Quick Report - Filter-Based Search)
✅ Updated reward rates based on recent issuer revisions
✅ Improved filtering structure for better usability

Sheet 3 (Comparisons & Analysis)
✅ Fully updated with new comparisons & latest info
✅ New sections added:
✔ List of RuPay Credit Cards for UPI
✔ Credit Cards with Golf Access
✔ Airport Lounge Guest Visit Access
✔ Railway Lounge Access (With & Without Spend Requirements)
✔ Best Credit Cards for International Transactions

Sheet 4 (ROI & RR Calculators)
✅ New Axis Atlas reward calculator added

Sheet 5 (Fees & Exclusions)
✅ Completely restructured with updated surcharge details, exclusions & latest revisions

I’ve tried to include as much accurate data as possible! If you notice any errors or have suggestions, feel free to DM me. Let’s make this guide even better!

@SSV @cardio_guy @Abhishek012 @BVC @sidp @kuchbhi @Vasuki @HumorSimpson @Anindya98 @sumeet @Tejo @Ekavya @Anupama_Jha @shu_sha @2025 @helloworld @Ram1 @Subhankar @coolguy1 @Mr. Bean @Wealth is my birth right! @ashwink @BeingIncog @007 @NAB @Everybody @harsha1 @Raghav2006

 

[hender]

Good work, God bless you.