Top 10 WORST cards in India

[drsel]

Requesting all experts to give their views and opinions of the top 10 WORST credit cards in India which are designed to bait gullible customers.
eg. Cards which give very low returns on spends
OR
have high charges and fees including joining fee, renewal fee, forex markup, etc; without proportional returns
Thanks 🙏

 

[D7162]

Almost all other cards charging that much are better than Elite.

If you are able to spend 10 L

You will get 20k+50K = 70k points = 17500 + annual fees reversal + 6000 as BMS offers

for me, its a good card to hold

 

[D7162]

Most of the ICICI Cards

waise ICICI rupay ghumane bhi acha hai, wallet utlity koi bhi mcc ho kuch na kuch to milta hi ha, bread coins se to better hi hai 😛

 

[vine]

Requesting all experts to give their views and opinions of the top 10 worst credit cards in India which are designed to suck out wealth from gullible innocent customers. Thanks 🙏

I will update the top 10 periodically based on your inputs--

Indusind legend (paid variant)
HDFC regalia (paid)
Kotak PVR
Yes Elite
Diners Club Privilege
Kotak Royale
Bajaj RBL Supercard
SBI Prime

All ICICI, except amazon card,
All Kotak cards, except kotak Myntra
All psu cards, except few like SBI cashback, Bob Eterna, BoB Snapdeal,
All Yes cards, except Marquee
All IndusInd , except EazyDiner (original one)
All DBS cards,
All Standard Chartered cards, (I have a personal bias against SC)
All Bajaj/RBL cards,
..
Edited: March 2024
All Axis cards, except Airtel card, Atlas card.
All HDFC cards , except Millennia LTF, DCB LTF, Infinia paid/LTF.
..
Plz share inputs and I will edit

 

[Tejo]

All ICICI except amazon card,
All Kotak cards,
All psu cards, except few of SBI.

Edit kardo bhai

Except kotak myntra

 

[Tejo]

All ICICI except amazon card,
All Kotak cards,
All psu cards, except few of SBI.

Yar bob too have some best cards.

 

[D7162]

Yar bob too have some best cards.

BOB have almost all good cards - eterna/snapdeal/premier

 

[plastikman]

If you are able to spend 10 L

You will get 20k+50K = 70k points = 17500 + annual fees reversal + 6000 as BMS offers

for me, its a good card to hold

Good to know. But there are much better cards to spend 1000k on.

Even Indusind Eazydiner gives 400 off on BMS and I have it as LTF. Comparatively, Elite is useless.

 

[drsel]

BOB have almost all good cards - eterna/snapdeal/premier

Absolutely right, especially Eterna!

 

[R@J]

Axis airtel. Gives lots of cashback. I'm running out of space at home to keep all the cashbacks. 😡

For a retail customer like me, who doesn't rotate spends or likes to do B2B transactions, the Axis Airtel cashback structure looks attractive as well as sustainable!

If you want your home full of cashbacks/points, then probably you are eyeing on a wrong card...... it is not even expected from an entry/ mid-level card with 500 fee!

 

[Laukik]

Requesting all experts to give their views and opinions of the top 10 worst credit cards in India which are designed to bait gullible customers. Thanks 🙏

I will update the top 10 periodically based on your inputs--

Indusind Legend (paid variant)
HDFC Regalia (paid)
Kotak PVR
Yes Elite
Diners Club Privilege
Kotak Royale
Bajaj RBL Supercard
SBI Prime
All ICICI except Amazon, MMT Signature
All Kotak except Feast, White LTF, Myntra
All SBI except Cashback, Octane

Atleast ICICI compensates reward points with frequent sales.

 

[CCFan12]

Sbi Vistara is an awesome card if Vistara operates on your route.. Include it as an Sbi exception..

 

[hedgehog2122]

Conclusion - There is no definite answer, as there are many more worst than useful cards

 

[SpiesCan'tCatchMe]

First disclose what do you mean.. "worst Top 10 credit cards" ??

How can a credit card will take out wealth ..... ?

Kabhi due date miss karke to dekho
Kaise wealth nikalta hai

 

[Deleted member 11974]

what does op aim to achieve by this tomfoolery polls?

 

[subham23]

Most of the ICICI and SBI cards

 

[V360V360 is verified member.]

BOB have almost all good cards - eterna/snapdeal/premier

How? Can you elaborate please

 

[drsel]

How? Can you elaborate please

BOB Eterna gives 3.75% return for online, international and travel, which is quite good

 

[drsel]

what does op aim to achieve by this tomfoolery polls?

This is to serve as a warning benchmark to new, inexperienced members to avoid these cards which do not provide much benefit.
It is important to warn beginners.

 

[Deleted member 11974]

This is to serve as a warning benchmark to new, inexperienced members to avoid these cards which do not provide much benefit.
It is important to warn beginners.

you are saying this as if they are gambling
chill out its a cc and technofino has made many posts on the same as to which is the best cc

 

[drsel]

technofino has made many posts on the same as to which is the best cc

Yes, there is a good article on the best cards for 2024 but nothing about the worst cards.

You will be surprised to know how many millions of customers are holding / using these worst cards and getting hardly any benefit at all!