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What is the best credit card to get in 2024 after all recent Devaluation?

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hockey

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What is the best credit card to get in 2024 after all recent Devaluation?

Here's the top 3 of each type from my research on this forum:

Spend Categories:

Rent: Axis Atlas > Axis Magnus Burgundy > HDFC Diners Club Black Metal
Utilities: Axis Atlas > Amex Platinum Charge > Amex MRCC > Axis airtel
Online Spends: HDFC Infinia > Axis Atlas > Axis Magnus Burgundy > SBI Cashback > Flipkart Axis
Govt/Taxes: Axis Atlas > SBI Elite > HDFC Diners Club Black Metal
ATM Withdrawal: Any milestone card to hit milestone
Fuel: SBI Octane > SC Titanium > Axis Indian Oil
Forex: Federal Scapia > Axis Reserve > Amex Platinum Charge > HDFC Infinia
Dining: IndusInd EazyDiner > Au Zenith > HDFC Diners Club Black Metal > HSBC Cashback


Reward Categories:

Miles: Axis Atlas > Axis Magnus Burgundy> HDFC Infinia
Flight Ticket Rewarding: SBI Vistara > Axis Vistara Infinite > Indusind Vistara
Hotel Stays: Amex Platinum Travel > Axis Atlas > Axis Magnus Burgundy
Movies: IndusInd EazyDiner > SBI Elite > RBL Play
Cashback: SBI Cashback > Amazon Pay > Axis Ace
Luxury: HDFC Infinia > Amex Platinum Charge > Axis Magnus Burgundy
Lounge Access: HDFC Infinia > Federal Scapia > Axis Magnus Burgundy > YES Marquee
All in One Cards: HDFC Infinia > Axis Magnus Burgundy > HDFC Diners Club Black Metal > SBI Cashback > BOB Eterna

NB: Please note that these rankings are not final; they have been compiled from various online posts and contributions. I'll continue to update this list based on feedback and additional research.
 
Last edited:
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1. DCB you get 33% miles in hotel via portal, should be added in that category.
2. DCB, No points in govt transaction.
3. DCB gives points against rent payment.
4. DCB>Magnus in all departments (except govt trans.) unless you have Burgundy account.
 
hockey said:
What is the best credit card to get in January 2024 after all recent Devaluation?

Here's the top 3 of each type from my research on this forum:

Spend Categories:

Rent: Axis Atlas > Axis Magnus > HDFC Diners Black
Utilities: Axis Atlas > Amex Platinum > Amex MRCC > Axis airtel
Online Spends: HDFC Infinia > Axis Atlas > Axis Magnus > SBI Cashback > Flipkart Axis
Taxes: Axis Atlas > SBI Elite > HDFC Diners Black
ATM Withdrawal: Any milestone card to hit milestone
Fuel: SBI Octane > SC Titanium > Axis Indian Oil
Forex: Federal Scapia > Axis Reserve > Amex Platinum Charge > HDFC Infinia
Dining: IndusInd EazyDiner > Au Zenith > HDFC Diners Black


Reward Categories:

Miles: Axis Atlas > Axis Magnus > HDFC Infinia
Flight Ticket Rewarding: SBI Vistara > Axis Vistara Infinite > Indusind Vistara
Hotel Stays: Amex Platinum Travel > Axis Atlas > Axis Magnus
Movies: IndusInd EazyDiner > SBI elite > RBL Play
Cashback: SBI Cashback > Amazon Pay > Axis Ace
Luxury: HDFC Infinia > Amex Platinum Charge > Axis Magnus
Lounge Access: HDFC Infinia > Federal Scapia > Axis Magnus
All in One Cards: HDFC Infinia > Axis Magnus > SBI Cashback > BOB Eterna
Click to expand...
You can also add HSBC Cashback under Dining category
 
I have both IndusInd Eazydiner and HSBC Cashback, HSBC CB works in pretty much all restaurants while Eazydiner coverage is mostly limited to luxury fine dine / breweries, basically large bills (this is in Bangalore).

Also in most cases where Eazydiner is applicable, Swiggy Dineout / Paytm Restaurant Deals is also applicable and Paytm offers the same discount with cards like Amex, HSBC, while Swiggy Dineout offers over Rs.1000 discount on restaurants via Infinia so honestly I'm not using my Eazydiner much anymore.
 
JimCarrey said:
Using hdfc smartbuy portal hdfc cards get extra rewards. One can book tickets or buy gift vouchers and get good reward points or cashback.

Eg. if you buy flipkart gv from smartbuy gyftr or apple products from smartbuy imagine store using infinia the returns can be 16.66%, using DCB 9.9% and with most other cc / debit cards 5%. Booking hotels via Cleartrip / MMT can double the discount currently, means 33% returns with infinia.

View attachment 36159
Read more at https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=

Point to note is one can buy Amazon Gv and pay off their utility bills. (Do remember buying AGV has 2.5% processing fees on smartbuy gyftr portal.) Still ~13% discount on utilities via Infinia is too good to ignore.
Click to expand...

Thank you for the update. Do you know if using HDFC SmartPay contributes to hitting milestones, even if it doesn't earn reward points?
 
sabya123 said:
1. DCB you get 33% miles in hotel via portal, should be added in that category.
2. DCB, No points in govt transaction.
3. DCB gives points against rent payment.
4. DCB>Magnus in all departments (except govt trans.) unless you have Burgundy account.
Click to expand...

Hisoka said:
You can also add HSBC Cashback under Dining category
Click to expand...

nithin1992 said:
I have both IndusInd Eazydiner and HSBC Cashback, HSBC CB works in pretty much all restaurants while Eazydiner coverage is mostly limited to luxury fine dine / breweries, basically large bills (this is in Bangalore).

Also in most cases where Eazydiner is applicable, Swiggy Dineout / Paytm Restaurant Deals is also applicable and Paytm offers the same discount with cards like Amex, HSBC, while Swiggy Dineout offers over Rs.1000 discount on restaurants via Infinia so honestly I'm not using my Eazydiner much anymore.
Click to expand...

Thank you for the feedback. I've updated the list accordingly. However, I believe that cards which assist in achieving milestones, even without offering reward points, still have a positive impact.
 
hockey said:
Thank you for the update. Do you know if using HDFC SmartPay contributes to hitting milestones, even if it doesn't earn reward points?
Click to expand...
No idea about Hdfc SmartPay, not sure why would one subscribe to it for utilities.

Hdfc smartbuy is good and rewarding.
 
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Movies: IndusInd EazyDiner > SBI Elite > RBL Play - "Nope" SBI Arum and there is another cc that provide same value or bit higher but IDFC Wealth/Axis Burgundy Magnus with B1G1 And Au Zenith For Single Ticket Discount.

And a good initiative for new member which card they should add. it would be edited every week to month but still would help so many to keep up which card to use and which they should ignore.
 
Last edited:
Online Spends: HDFC Infinia > Axis Atlas > Axis Magnus Burgundy > SBI Cashback > Flipkart Axis

SBI Cashback is better then Flipkart surely. Its not about capping, its about where you can use the card. There is no way I can spend 3.5L on Flipkart per year for fee waiver, while with SBI cashback card I can easily spend 2L for fee waiver.

However this analysis is incomplete. During sale time such as Amazon Great Indian Festival, SBI cashback is excluded. In such situations, SBI vistara cards gives best returns - Discounts + CV + Milestones.

Similarly on Flipkart sales, Flipkart Axis card is excluded in sales. With Axis Vistara, you can get Discounts + CV + Milestones.
 
Last edited:
hockey said:
What is the best credit card to get in January 2024 after all recent Devaluation?

Here's the top 3 of each type from my research on this forum:

Spend Categories:

Rent: Axis Atlas > Axis Magnus Burgundy > HDFC Diners Club Black Metal
Utilities: Axis Atlas > Amex Platinum Charge > Amex MRCC > Axis airtel
Online Spends: HDFC Infinia > Axis Atlas > Axis Magnus Burgundy > SBI Cashback > Flipkart Axis
Govt/Taxes: Axis Atlas > SBI Elite > HDFC Diners Club Black Metal
ATM Withdrawal: Any milestone card to hit milestone
Fuel: SBI Octane > SC Titanium > Axis Indian Oil
Forex: Federal Scapia > Axis Reserve > Amex Platinum Charge > HDFC Infinia
Dining: IndusInd EazyDiner > Au Zenith > HDFC Diners Club Black Metal > HSBC Cashback


Reward Categories:

Miles: Axis Atlas > Axis Magnus Burgundy> HDFC Infinia
Flight Ticket Rewarding: SBI Vistara > Axis Vistara Infinite > Indusind Vistara
Hotel Stays: Amex Platinum Travel > Axis Atlas > Axis Magnus Burgundy
Movies: IndusInd EazyDiner > SBI Elite > RBL Play
Cashback: SBI Cashback > Amazon Pay > Axis Ace
Luxury: HDFC Infinia > Amex Platinum Charge > Axis Magnus Burgundy
Lounge Access: HDFC Infinia > Federal Scapia > Axis Magnus Burgundy
All in One Cards: HDFC Infinia > Axis Magnus Burgundy > HDFC Diners Club Black Metal > SBI Cashback > BOB Eterna

NB: Please note that these rankings are not final; they have been compiled from various online posts and contributions. I'll continue to update this list based on feedback and additional research.
Click to expand...
Would recommend adding Millennia after SBI CB in CB category.
 
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