Which credit card is actually good?
I have Amazon pay ICICI, it started off well, I made all payments thru Amazon pay and good cash back but now while making payments on 3P apps, you can only use Amazon pay UPI The other card I have has is Kotak Indigo and it’s shit
CaptainLevi
Stealth
a year ago
Amex travel platinum gives me 14k Flipkart voucher and 10k Taj voucher if 4l spend threshold is met.
But acceptability is not good. Even in some online portals it's not accepted at times.
I was going to close it out, but then talked to their membership fees team and they gave me an offer of revoking 5k membership fees if I spend 30k in next 3 months.
Sounds good enough.
Next to this, Flipkart Axis cc is good. It gives min 1.5% cashback unlike all other cards where it is anything between 0.3 - 1% max. And other benefits are 4 times lounge access in a year and 5% cashback on Flipkart, 4% on swiggy, Myntra etc.
HDFC Diners Black is supposed to be the best. But the bar to get it is really high
WhyBloreWhy
Stealth
2 years ago
Last I heard they stopped taking applications
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himachal
Stealth
2 years ago
IDFC First Select. Especially if you spend online + more than 20k/month.
WhyBloreWhy
Stealth
2 years ago
What do you like the most about that card?
himachal
Stealth
2 years ago
Accelerated rewards structure for spends above 20k, and points structure for online spends. Plus, less interest rate (almost half compared to other credit cards).
It's a combination of your salary levels, spending patterns and what you value in terms of reward (direct cashback, reward points, travel, discount) apart from lifestyle benefits like Airport lounge access etc
WhyBloreWhy
Stealth
2 years ago
The usual stuff, not looking for golf courses access. All cards finally boil down to an average of 3% cash equivalent rewards / cash back. The use case for Amazon pay card was infinite, not anymore
WhyBloreWhy
Stealth
2 years ago
Anything specific which you like from the offerings ?
Flipkart Axis Credit card is better any Amazon one since you get cashback directly to your card and 1.5 percent on non flipkart payments
WhyBloreWhy
Stealth
2 years ago
Amazon card is somewhat similar
you get 4 lounge access in a year with flipkart axis cc but 0 with Amazon pay ICICI
ProteinPancakes
Stealth
2 years ago
ICICI credit cards have a horrible reward points bug. Wouldn’t recommend ICICI cards.
WhyBloreWhy
Stealth
2 years ago
Amazon pay card was amazing, not anymore
natkhatninja
Stealth
2 years ago
Amazon Pay ICICI - if you shop on groceries or other items on Amazon
American Express Travel Card - Taj vouchers on spends, good reward points system and great customer service
Axis Vistara - Free tickets on spends, cashbacks
Citibank PremierMiles - used to be good, but you are better off taking Amex cards
Kabuta
Stealth
2 years ago
Hasn’t citi closed their operations?
natkhatninja
Stealth
2 years ago
Axis has taken over their portfolio - my card is still operational
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Depends upon on many things. Your salary, spend pattern, what you want from card etc.
Based on this, you can go for cashback cards or Miles transfer cards etc
HDFC Infinia is awesome. Reward structure is great! 3.33% reward points minimum, can be more based on other offers. You can get it via invite only.
HDFC Regalia also has decent rewards. Criteria to get it is fairly straightforward.
Dont take any ICICI credit card, their reward system sucks ans has very low value conversion.
WhyBloreWhy
Stealth
2 years ago
Amazon pay card worked for me. Now the reward structure is just bad
Stay away from ICICI cards. Very poor rewards and benefits.
HDFC Infinia is probably the best one if you're looking for maximum convenience (one card for all your spends). But alas it's invite only and you'd need to have a good relationship with the bank.
Shocked that no one is mentioning SBI cashback card. 5% cashback on all online spends upto 10k, it's a legendary card I'd say. But of course, depends on your spending pattern.
I think it matters based on your spending habits. For example I keep multiple cc for different purposes. For online shopping - Amazon pay ICICI. For food - Zomato Edition. For fuel and travel -HDFC Regalia. For general spends - IDFC wealth. Notable mention - For international travels instead of a forex card I use Niyo Global. Much better rates.
The best is HDFC Infinia if you are earning above 3.5 every month(after taxes). Now, if you are spending 1 lakhs every month, the best card is Axis Magnus. Their benefits and multiplier are insane once you cross 1 lakh every month. Even DB and Infinia doesn’t stand chance.
I think for DB, requirement is above 1.75(after taxes).
Pokadot
Stealth
2 years ago
Is Amazon card fine if I want it just for Amazon purchases? Is it worthy?
American Express MRCC- fantastic with online transactions. Decent physical presence in Tier 1 cities. Almost invisible anywhere else.
Membership points are fun tho.
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