No scope of tax deduction so credit card is the only way to get some discount. Amazonpay ICICI is ur best bet. There are many pages which will give u best card as per ur category spend.

Founder’s Office

Software Engineer

Amazon pay ICICI best for me since I don't spend anywhere else so frequently apart from amz. 
 Apart from this I've Flipkart axis, and fd backed idfc wow

Software Developer

I use Bhaiya ka credit card, because mera nahi ban raha 🥲

Product Designer

Hdfc diners club and indian oil LTF offered by bank. 
  
 Flipkart axis non LTF because  i shop mostly from Flipkart.  
  
 All the big purchases from diners.

Axis Atlas: used pehle because best in market, gonna get it canelled 
 Amex Plat Travel: good rewards till 4L spends 
 sbi vistara prime: free tix, earlier was good to pay rents 
 Hdfc regalia gold: got lft, good for blr lounges

Analyst

Everyone using a credit card has a reason why they chose that particular card; what is your reason?

Welcome to Personal Finance's Private Community

Which credit card(s) do you use and why?

Which credit card(s) do you use and why?- Grapevine

Thread to discuss credit cards what all basic, specific and premium cards you hold and what are your credit limit on that card.

Credit Card Mega Thread: Which Credit Cards do you have and What are the Limits?

Curious to how much research do you all put in before getting a CC ? What are some of the key things you like for in a credit card?
If a new player were to launch a card, what is a differentiator that you think would make you get the card

Lot of questions but would love to know!

Credit card research

Growth Manager

Suggest good credit cards which you are personally using. Both which are free & have annual charges.

Do mention which use case it is best for:
-online spends
-offline spends
-foreign transaction
-fuel spends

Credit Card

Senior Associate

What all cards do you use? Which one is your favourite? Which you are thinking of applying and why? Let's discuss this in the comments. 

I use HDFC Millenia & HDFC Tata Neu Infinity

Best Credit Card Cashback Comparison for all categories

I have multiple cards that i have got in last 3 years and i love to optimise my usage to get a return of upto 10 - 15% depending on the card and category of purchases,

What’s yours?

How well do you use your CC?

Always wondered how it happens
Have been using credit cards for some time, never found as much in rewards. What can a novice change in his cards?

Folks who say they get free flight tickets from credit cards, how do you do it?

There are certain cards which help you get free tickets(not entirely free though) 
  
 Most famous ones are Vistara cobranded cards. 
 Eg Sbi Vistara Prime Card 
  
 You get the card at annual fees of Rs3500 
 With this you get 1 Vistara Premium Economy Ticket which would easily cost 8-10K INR if you were to book by paying 
  
 Additionally you get more Premium Economy tickets each time you hit a spend milestone. 
  
 1.5lakh spends in a year - 1 more ticket 
 3lakh - another ticket 
 4.5 Lakh- another ticket 
 8 Lakh - another ticket 
  
 In addition you get 1 upgrade voucher using which you can upgrade your ticket from category X to category Y. This is via the Vistara Silver Tier Membership which is complimentary with the card. It also gives 5kg addition baggage allowance 
  
 There are more such cards in market like idfc vistara, axis vistara (business class variant as well)

Product Manager

Corporate Strategist

What’s your credit card strategy? Pls tell the best for Groceries, rent, shopping, travel

Thread: What credit cards do you use?

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

Which credit card is actually good?

Business Operations

What all credit cards do you use and what benefits you get from those ?

What credit cards are you using ?

Comparing things across rewards, customer support and ease of onboarding. I was looking to apply and don’t know exactly what I should be looking for

Which credit card is the best

Hi folks, I’m planning to get a new credit card. I have the ICICI Amazon Pay card at the moment and use it for all my expenses except rent, but not happy with the benefits I’m getting from it. 

 I’m doing some research to figure out what card I should get. What card do you have that you think i should consider?

Credit card recommendations

Strategy & Operations

Which are the top 3 paid credit cards having mix of travel, movie, markup fee and fuel benefits?

Best paid credit cards

Computer Operator

Welcome to News Discussion's Private Community

HDFC, SBI, ICICI clearly the strongest. Startup credit companies usually work with Federal Bank, but they seem to be missing from this list, that's a bit weird? 

Can somebody from the fintech domain help me understand?

Credit card spends market share by bank. Why is there no Federal Bank here?

Operations Manager

I’ve noticed different people have different ways to approach their financial planning. 
Hoping to learn from each other and perhaps help others who read as well.

What is one personal finance habit that has changed your life?

If you 'want' to buy something, wait day or two (I wait a week) to know if my heart is still stuck at it. Generally (mostly) it is fleeting craving and I end up not buying.  
  
 This has kept my expenses very minimum

Consultant

Considering the ongoing devaluation of credit cards across the banks which one is the best?

Which credit card do you use?

I'm 24 and haven't started using a credit card yet. I don't even have one. Am I going right or wrong??

Credit card

Founder

I currently have these cards:
1. OneCard(mainly for their partner offers)
2. Amazon Pay ICICI(for payments on Amazon and bill payments)
3. Axis Vistara Platinum(I use this for most payments to meet milestone benefits for flight vouchers)
4. IDFC First Wealth(Mainly because it is lifetime free, offers good lounge benefit, 1.25% cashback on online spends and BOGO on Paytm movies)

My main problem is with Axis Vistara. Insurance payments now can't be used for fulfilling milestone benefits but a good chunk of my spends are for insurance.

Please suggest a good credit card for Rs. 4L yearly spends. I'm mainly looking for airline benefits.

Need Credit Card Suggestion

Hello folks, 
Due to some financial crunch, I'm planning to get a credit card but I've heard from people about the scary stories of credit cards. Can any body who owns credit card can give his experience or any tips what card or how to use the card or any other general advice. 

I just want to use cc for online purchases and maybe in emergency situations. 

Thank you in advance.

Which credit card(s) do you use and why?

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