Best credit card for yearly spends less than 5 lakh

[vis]

Can u suggest a good credit card for annual spends around 4L and annual charges less than 5000

 

[wcgxlr8]

What categories do you spend the most on? Online vs Offline? What rewards are you expecting - travel points/cashback etc?

 

[vis]

Mostly online spends, want to use the points for travel

 

[wcgxlr8]

Mostly online spends, want to use the points for travel

Axis Atlas or Amex Plat Travel

 

[zacobite]

Can u suggest a good credit card for annual spends around 4L and annual charges less than 5000

1) HDFC Swiggy
10% cashback on Swiggy, 5% cashback on many MCCs
Life time free for regular Swiggy users
No joining bonus

2) SBI cashback
5% cashback online (max. 5000 on 1 lac per month)
1180 joining fee/ annual fee.
No joining bonus.

3) Axis Cashback
2.0--5.4% cashback online (Max 4000 per month)

3) Axis Atlas
4% offline and 10% on direct hotels, direct flights.
5900 joining fee /renewal fee
Joining bonus 2500 miles worth at least 5000

4) HSBC Cashback (Live+)
10% on dining, food delivery and groceries (max 1000 on 10000 per month)

5) Axis Airtel
25% on Airtel recharges, postpaid and DTH (Max 250 on 1000 every month)
10% on utility bills (Max 250 on 2500 every month)
10% on Zomato/Swiggy food delivery (Max 500 on 5000 every month)
590 joining/renewal fee
500 joining bonus.

If your income is higher then Yes Marquee / HDFC Infinia / Amex Plat Travel / SCB Ultimate can also give you better return

If you use specific portals to shop check out HdFC pixel card ( only for existing hdfc cc holders)