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Which Credit Card is the best value for money at basic level?

Saiv

TF Premier
In my view SBI simply click Credit card is overall the best card if you spend more online. It's a basic credit card with ₹500 joining fee in which you get ₹500 amazon pay balance gift card for paying the fee. Also if spent ₹100K in a year annual fee will be reversed. 5x rewards points on every transaction & 10x rewards points on selected merchants. 4 reward points =₹1. occasional sales & instant discounts. It's an all rounder for me at basic level. Any body have any other suggestions
 
Axis Ace is still a VFM for me even after so many devals - 500 JF is reversed by spending 10k and every month even spending 10k I get 200-300 cashback easily - so don't mind paying 500 AF - ofcourse can be waived off by spending 200k annually. Sweet 2% cashback on offline spends and cashback on utilities - really good VFM
 
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