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 🙏

 

[sousnake]

Free ka toh sab accha hota hai. aur paid ka sab bekar kuch cards ko chor ker.

Usme bhi level hote hai worst ke-
Icici sapphiro and indusind legend top hai🤣

 

[Deleted member 11974]

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!

for all you know they may be just using a credit card for the purpose of credit

 

[D7162]

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 😛

main apne shabd wapis leta hu

https://x.com/manojkamat1857/status/1743570276917686333?s=20

https://www.icicibank.com/personal-banking/cards/credit-card/upcoming-changes-features-and-charges

waise sirf wallet loading and rent exclude kiya hai to utility pe chillar milta rhega

 

[dexter_greycells]

My list of worst credit cards based on what we have in the family -

1. SBI IRCTC card - Rs 300 + GST annual fees with no waiver. Points (1 RP on Rs 125 spends) can only be redeemed on IRCTC. You also get bonus points (5-10 RPs depending on the time of the year) only for your own AC tickets and not anyone else's. Worse is how the linkage between your SBI CC and IRCTC breaks during CC renewal and points don't get credited. It is simply the cheapest SBI card, literally and figuratively.

2. Kotak ZEN card - I had to get a Kotak card because I was missing out on some offers (Amazon Grocery, Samsung Shop). I managed to use the offers only a couple of times and then the offers disappeared from Kotak. Now it is my least used card. Got it LTF and has lounge access but I have better options for the latter.

3. Citi Rewards - Ever since the AXIS take-over offers have almost dried up. I loved the Amazon Utility offers (Rs 75 CB on bills of 750 or more) but it has been over a year since that offer came. My second least used card. I know Citi has a special place in a lot of people's hearts for being their first CC or due to their supposedly excellent customer service.

 

[bigbyte]

My list of worst credit cards based on what we have in the family -

3. Citi Rewards - Ever since the AXIS take-over offers have almost dried up. I loved the Amazon Utility offers (Rs 75 CB on bills of 750 or more) but it has been over a year since that offer came. My second least used card. I know Citi has a special place in a lot of people's hearts for being their first CC or due to their supposedly excellent customer service.

+1 to your comments about CITI.
Yes it has a special place in my heart due to all the reasons stated by you, Excellent Customer Service and My First card (since 2001). But, again reward rates are minimal.

 

[Tejo]

main apne shabd wapis leta hu

https://x.com/manojkamat1857/status/1743570276917686333?s=20

https://www.icicibank.com/personal-banking/cards/credit-card/upcoming-changes-features-and-charges

waise sirf wallet loading and rent exclude kiya hai to utility pe chillar milta rhega

Credits to axis

 

[MangoRush]

RBL Bank Cards. All of them.

 

[MangoRush]

My list of worst credit cards based on what we have in the family -

1. SBI IRCTC card - Rs 300 + GST annual fees with no waiver. Points (1 RP on Rs 125 spends) can only be redeemed on IRCTC. You also get bonus points (5-10 RPs depending on the time of the year) only for your own AC tickets and not anyone else's. Worse is how the linkage between your SBI CC and IRCTC breaks during CC renewal and points don't get credited. It is simply the cheapest SBI card, literally and figuratively.

2. Kotak ZEN card - I had to get a Kotak card because I was missing out on some offers (Amazon Grocery, Samsung Shop). I managed to use the offers only a couple of times and then the offers disappeared from Kotak. Now it is my least used card. Got it LTF and has lounge access but I have better options for the latter.

3. Citi Rewards - Ever since the AXIS take-over offers have almost dried up. I loved the Amazon Utility offers (Rs 75 CB on bills of 750 or more) but it has been over a year since that offer came. My second least used card. I know Citi has a special place in a lot of people's hearts for being their first CC or due to their supposedly excellent customer service.

ZEN is better than White in terms of rewards. Its a decent card.
I too have Rewards card, just collecting dust. Whenever CITI offers are there, AXIS cards also are there.

 

[SSV]

ICICI tops the list still 🦁.

I second this... All ICICI cards excpet for APAY and Emeralde will have strong case to get into this top 10 worst competition.

 

[SSV]

From HDFC's staple:

1) CSC Small Business
2) Shoppers Stop and none other than legendary
3) MB(+)

 

[Sleepyk]

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

BOB has silently devalued reward points. From 1re to 0.25re afaik.

 

[drmsiva]

I would add Indusind Avios - though the welcome offer is good, they don't credit Avios correctly - not received points for some transactions and customer care is hopeless.

 

[FinoGuy]

ALL bajaj-RBL cobranded cards

 

[cardio_guy]

Thanks for this thread. Now we know what all cards to avoid.

 

[HumorSimpson]

All ICICI, except amazon card,
All Kotak cards, except kotak Myntra
All psu cards, except few like SBI cashback, Bob Eterna,
All Yes cards, except Marquee

All indusind cards too

 

[edm]

HDFC moneyback , moneyplus
bajaj DBS ,rbl

 

[CoolGeek]

Try from non airtel number. Existing customers ko koi bhaav nai deta.

If you have already applied and not approved, will applying from a different number work? (They would have pan number)

 

[COSMOCRAT]

If you have already applied and not approved, will applying from a different number work? (They would have pan number)

It worked for me. I applied the same month that I got rejected on the previous number.

 

[CoolGeek]

It worked for me. I applied the same month that I got rejected on the previous number.

How did you apply from non Airtel number? Can you login to Airtel app using non Airtel number?

 

[PavanPavan is verified member.]

STAN C - Ultimate (Got this from a friend)