Which is the Best Credit Card of 2024?
- Thread starter ShavirB
- Start date
17ysaurabh
KF Mentor
I think these two are the best credit cards:
1. Amazon Pay ICICI CC:
This is the best credit card for online spends.
This is the best credit card for utility bill payments ever.
PS: We can earn cashback without hassle on both of these cards without any reward point conversion. They are easy to use and cost-effective for any income group.
1. Amazon Pay ICICI CC:
This is the best credit card for online spends.
- Life Time Free
- 5% unlimited cashback on Amazon
- 1% unlimited cashback on insurance payments.
This is the best credit card for utility bill payments ever.
- 25% cashback up to Rs. 300 for Airtel recharges, broadband, etc.
- 10% cashback up to Rs. 300 on other utility bills like electricity, gas etc.
- Besides, it also offers 10% cashback up to Rs. 300 on Zomato and Swiggy.
PS: We can earn cashback without hassle on both of these cards without any reward point conversion. They are easy to use and cost-effective for any income group.
anuragmukherjee28
Moderator
These are some of the credit cards that you can consider:-
- Amazon Pay ICICI Credit Card
- HDFC Regalia Gold Credit Card
- Club Vistara IDFC FIRST Credit Card
- Cashback SBI Card
- Axis Ace Credit Card
- Axis Atlas Credit Card
ayushagarwal
KF Ace
I was considering Regalia, but the process of redemption and all seems difficult and complicated, like i currently have Amex rewards card and its benefits are almost 1% only if i calculate.
So not sure if regalia will be helpful..
Your views if you have used it
Skylar
KF Master
I would say Myntra kotak card is one of the best as it offers 2.25% total benefit on a Rs. 50,000 spent in a Quarter, surpassing the Axis Ace card. 
50K base spend - 1.25% = 625
reaching milestone of 50k in a Quarter 2 PVR tickets.
Complimentary PVR Tickets 250*2 = 500
Total: 1125 (2.25%) on 50K spend in a quarter.
50K base spend - 1.25% = 625
reaching milestone of 50k in a Quarter 2 PVR tickets.
Complimentary PVR Tickets 250*2 = 500
Total: 1125 (2.25%) on 50K spend in a quarter.
zacobite
KF Mentor
IDFC WEALTH ..balanced cc.. ltf.. all rounder.. no super premium / not basic
launchcraft
KF Mentor
For me
HDFC TATA NUE INFINITY CARD is the best card of all time like I am getting
10% cashback/nuecoins when using it for TATA BRANDS like BIG BASKET, TATA 1MG, CROMA, etc. which is great for not so premium card( TATA NEU APP)
5% cashback/nuecoiuns on all TATA BRANDS if not using TATA NEU APP.
1.5% cashback/nuecoins on NON-TATA BRANDS or ANY MERCHANT
1.5% cashback/nuecoins on UPI spends which is a great deal
For everyone
AMAZON PAY ICICI CARD is the best they can have as it giving you flat 5% cashback on the Biggest ECOMMERCE platform that's AMAZON.
Today everyone is buying products form Amazon only when they can't visit the store or can't find selected item in store.
HDFC TATA NUE INFINITY CARD is the best card of all time like I am getting
10% cashback/nuecoins when using it for TATA BRANDS like BIG BASKET, TATA 1MG, CROMA, etc. which is great for not so premium card( TATA NEU APP)
5% cashback/nuecoiuns on all TATA BRANDS if not using TATA NEU APP.
1.5% cashback/nuecoins on NON-TATA BRANDS or ANY MERCHANT
1.5% cashback/nuecoins on UPI spends which is a great deal
For everyone
AMAZON PAY ICICI CARD is the best they can have as it giving you flat 5% cashback on the Biggest ECOMMERCE platform that's AMAZON.
Today everyone is buying products form Amazon only when they can't visit the store or can't find selected item in store.
There are very few cards giving 10% return or more on selected categories, you can count them on your fingers.
Even after paying 5900 per year subscription fees, Yes Reserv 5x cannot give more than 9% return, but only on 4 categories--online travel, healthcare, dining and fashion; that too if you use the points only to buy air tickets on the Yes Bank portal.
These are some cards giving 10% or more on select categories--
1. Axis Magnus Burgundy (30% on Eazy, 24% on Grabdeals and Traveledge)
2. HDFC Infinia and Diners Club Black (15.55% or 12.6% on Smartbuy)
3. Axis Atlas (10% on Traveledge, direct hotels and direct airlines)
4. Axis Airtel (on Airtel App) 25% on Airtel, 10% on utility bills, Swiggy, Zomato and BB)
5. HDFC Swiggy 10%
6. AU Lit (5% grocery/apparel + 5% bonus + 2.5% online/offline)
7. Tata Neu Infinity (on purchases of select categories on Tata neu app)
8. HSBC Cashback 10% on dining, groceries and food delivery (only for salaried employees)
9. IndusInd exclusive/select debit card for 20% discount (max 500 on 2500) on big basket between first to 25th of every month.
10. Rupay debit card for 20% discount on mobile recharge on Amazon every Friday (max 100 on 500)
Even after paying 5900 per year subscription fees, Yes Reserv 5x cannot give more than 9% return, but only on 4 categories--online travel, healthcare, dining and fashion; that too if you use the points only to buy air tickets on the Yes Bank portal.
These are some cards giving 10% or more on select categories--
1. Axis Magnus Burgundy (30% on Eazy, 24% on Grabdeals and Traveledge)
2. HDFC Infinia and Diners Club Black (15.55% or 12.6% on Smartbuy)
3. Axis Atlas (10% on Traveledge, direct hotels and direct airlines)
4. Axis Airtel (on Airtel App) 25% on Airtel, 10% on utility bills, Swiggy, Zomato and BB)
5. HDFC Swiggy 10%
6. AU Lit (5% grocery/apparel + 5% bonus + 2.5% online/offline)
7. Tata Neu Infinity (on purchases of select categories on Tata neu app)
8. HSBC Cashback 10% on dining, groceries and food delivery (only for salaried employees)
9. IndusInd exclusive/select debit card for 20% discount (max 500 on 2500) on big basket between first to 25th of every month.
10. Rupay debit card for 20% discount on mobile recharge on Amazon every Friday (max 100 on 500)
zacobite
KF Mentor
INFINIA / MARQUEE / SBI CB / MRCC / BIZ BLACK
wcgxlr8
KF Mentor
There is no '1' best credit card imo. It depends on your spend pattern and what you look for in return (cashback/air miles/hotels etc). For me, I have my top 3 which I use personally.
1. Amazon Pay ICICI - I use Amazon a lot and this is super useful
2. HDFC Swiggy - saved ~17K since I have got this card across food, instamart and dining
3. Amex Plat Travel - 1st 4L spends for the year on this which gives ~ 7-11% back depending on when and where you redeem (Marriot for me)
Honorable mentions:
Yes Marquee - got this recently, but expecting to get 5% back on spends
HDFC Regalia Gold (denied Infinia by HDFC :/)
Amex Plat Charge (only for year 1)
1. Amazon Pay ICICI - I use Amazon a lot and this is super useful
2. HDFC Swiggy - saved ~17K since I have got this card across food, instamart and dining
3. Amex Plat Travel - 1st 4L spends for the year on this which gives ~ 7-11% back depending on when and where you redeem (Marriot for me)
Honorable mentions:
Yes Marquee - got this recently, but expecting to get 5% back on spends
HDFC Regalia Gold (denied Infinia by HDFC :/)
Amex Plat Charge (only for year 1)
