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JumpyPotato
JumpyPotato
Nothing Tech

Suggest best credit cards

Guys, help me decide a really good credit card between hdfc and icici.

I targeted for regalia, but they won't give it. They are trying to upsell millenia and saying they will upgrade it later based on my spending etc. I haven't checked icici cards yet.

Can you help me decide or give some more solid points about which cards you personally recommend?

I am not rich, no private vehicle, not a heavy buyer of stuff (moderate buyer of necessities).

7mo ago
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TwirlyMochi
TwirlyMochi
Stealth7mo

Amazon pay ICICI card is probably a very good card for you (considering you are not a big spender)

JumpyPotato
JumpyPotato
Nothing Tech7mo

Thank you! Will have to start using amazon pay now it seems :3

TwirlyMochi
TwirlyMochi
Stealth7mo

You won’t have to use Amazon pay. Relax. I won’t torture you like that 😛

JazzyDumpling
JazzyDumpling
Stealth7mo

@SolidHumor You can try Flipkart Axis Bank Credit Card.. The main advantage is the cashback gets directly credited to the card.. no need to redeem as third party vouchers which are a way of promoting you to buy from there.. when I purchased, I got it with no maintenance charges.. basically completely free.. but not sure if they have any charges now..

JumpyPotato
JumpyPotato
Nothing Tech7mo

Thanks! This card is only for axis account holder and only applicable on flipkart purchases, is it?

JazzyDumpling
JazzyDumpling
Stealth7mo

Nah.. Anyone can get this card.. no axis account is needed.. 5% cashback on any purchases on Flipkart.. 4% cashback on partnered appa like swiggy, Uber, PVR and so on.. and on all other transactions, it was 1.5% when I purchased it.. but now it is 1% i think.. and it was completely free earlier, but now they have 500rs annual fees I guess.. considering 500rs not sure if it is a great card.. But when I got it for free, it made a lot of sense..😉

PrancingDumpling
PrancingDumpling
Grapevine7mo

Some good ones are already mentioned here.

JumpyPotato
JumpyPotato
Nothing Tech7mo

Did you mean here already, or wanted to attach any thread link?

PrancingDumpling
PrancingDumpling
Grapevine7mo

Here already

BouncyJellybean
BouncyJellybean
Thoughtworks7mo

Millennia is good IMO, ask them to make it LTF & then get it. I’ve an upgrade from Millennia to Regalia Gold and I’m not upgrading 😂

Another good card could be SBI cash back credit card, if you’d at least spend ₹2L/year.

JumpyPotato
JumpyPotato
Nothing Tech7mo

Thanks bro. Millenia is being given as LTF only...so you say it's not bad? 🤔 interesting. Should I get it then?

Why are you not upgrading to regalia?

Yeah, 2 lakhs yearly spend is possible. Will check sbi card also then. Thanks!

BouncyJellybean
BouncyJellybean
Thoughtworks7mo

It does float my boat. This is an okay card to have which is also given out as LTF.

PrancingMochi
PrancingMochi
Stealth7mo

If you need a good basic one then get these two Hdfc tata neu ICICI Amazon pay

JumpyPotato
JumpyPotato
Nothing Tech7mo

Got it mate. Icici amazon card is being suggested by many. Surely gonna check out!

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Curated from across
Personal Finance
Personal Finance11mo

Can you guys suggest one or two all rounder Credit Cards?

I have the following CCs

  1. HDFC Millenia (it just lost its lounge access ability)
  2. HSBC Visa Platinum
  3. Axis MyZone Rupay Card (Converted from Flipkart Axis Card for Credit on UPI access)
  4. IDFC First Millenia
  5. SimplyClick SB...
Top comment
user

ICICI Amazon is hands down the easiest card to use.