Comprehensive Credit Card Guide
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 105 credit cards
Excluded Banks: Public sector banks (except SBI & BOB)
Excel File Includes 5 Sheets:
- Sheet 1: Credit Card Database - Comprehensive details on all analyzed cards, including fees, rewards, and benefits, and many more.
- Sheet 2: Quick Report - A filter-based tool to find the best credit card based on your spending pattern.
- Sheet 3: Comprehensive Comparisons & Analysis (Best Cards by Category, LTF & RuPay Cards List and many more.)
- Sheet 4: ROI & RR Calculators (HDFC & AMEX Cards, and Axis cards) - will add more cards soon.
- Sheet 5: Details of Exclusions, Rent surcharge, Fuel Surcharge, and other fees and exclusions of all credit cards.
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Important Notes & Disclaimers:
🔹 If the pre-selected cards don’t match your needs, apply filters in
Sheet 2 to find the best card for
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
optimal redemption options, but exclusions may apply.
🔹
Income eligibility details are
not included—visit the
official website for exact criteria.
🔹
No referral or affiliate links—this is purely for
awareness & educational purposes.
💡
Important Note: If you ever face issues with your credit or debit card—such as unauthorized charges, incorrect reporting, or non-resolution of complaints—you can escalate the matter to the
RBI Banking Ombudsman (BO). The
RBI guidelines provide detailed instructions on how to file complaints and ensure fair resolution.
🔗
Reference: Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions, 2022 -
click here
🔹
Credit Card Chargeback – An Underrated Feature ⚡
Many cardholders are unaware that they can
initiate a chargeback in case of fraudulent transactions, service disputes, or merchant issues. A chargeback allows you to dispute a transaction and request a refund through your bank if the merchant fails to provide the promised service or if unauthorized charges appear.
Do you have any suggestions or corrections? Found any missing cards that would add value?
DM me, and I’ll update the sheet accordingly.
Your valuable rating/reputation motivates me to keep sharing genuine and unbiased financial insights!
- Use MS Excel for Sheet 4 (Calculators) - Attached Below
- Use Google Sheets for all other data - click here
