Which was the Best Credit Card of 2023?
- Thread starter Rawknee
- Start date
KRISH#7171
KF Ace
Amazon Pay ICICI Bank Credit Card is one of the best
Lifetime Free = No Activation / Joining Fee + No Annual Charges
Note : Only on invite basis (Based on Good CIBIL Score)
After you get Credit card
1. Apply for free 3 month Amazon Prime Membership (Rs. 2 deducts from credit card & is also refundable after 2-3 working days)
2. Use 5% cashback (comes in Amazon Pay Wallet only)
3. Cashback returns on same day OR 2-3 working days OR after successful credit card bill payment (my experience)
4. You can apply for ICICI Bank Digital Saving Account (0 Balance Account)
Cashback
5 % on Amazon Online shopping (for Amazon Prime Member)
3% on Amazon Online shopping (for Non-Amazon Prime Member)
2 % on Merchant / Shops / Other online spends
1% on other payments
Skylar
KF Master
Cash Back comes after bill generation. Directly into Amazon Pay Balance.
*You can only see how much got after settlement is done in the app. you can't use it.
Skylar
KF Master
Not true, card won't guarantee you ICICI zero balance account.
Where did you find this? Can you send the link to source of this information?
Skylar
KF Master
Only on invite basis (Based on Good CIBIL Score)
I got no invitation; I applied it by myself and got it.
Updated hsbc cashback.
It was giving 1.5% on all transactions. Along with it, it give 10% on dining, grocery and food delivery
kausikghgeol
KF Ace
mudassarfa
KF Rookie
I got this as Lifetime Free. Its good to use in upi and also in card machine. And also best part of this card is you can change from rupay to visa any time. When i am travelling outsite India i call the bank and change it to Visa from Rupay as Rupay is not accepted out side India in most of the countries. Once i am back to India i call and change it back to Rupay
- The Axis ACE card is ideal for online spends and utility bills.
- The HDFC Millennia card stands out for shopping and online spending, offering rewards points and milestone benefits.
- Amazon ICICI Credit Card and Flipkart Axis Bank Credit Card are particularly advantageous for shopping on Amazon and Flipkart respectively, providing 5% cashback on purchases made within their respective platforms.
Skylar
KF Master
It depends on what category u like some people prefers :
- Reward Points
- Lounge Access
- Cashback
- No Forex Markup
- RUpay for UPI
- Fuel surcharge waver
vishalprakash
KF Expert
I believe it totally depends on your spending behavior or in which stage of your life you really are. No card is perfect or poor. One thing I would suggest to everyone out here is to generate or get returns of at least 7-8 % annually from your CC, in some cases it goes till whooping 20% also. Do not settle for 2-3%, I repeat don't. Almost all LTF CC or basic cards only generate 2-3% return in general, except some cards or cases.
For instance, for some folks SBI Cashback CC seems to be expensive for them but let me tell you that I have already generated returns equivalent to its 30 years of its annual fee in 1.5 years only. This is just an example.
Conclusion:- Find your priority spending area, and get that card irrespective of its annual fee, of course that doesn't mean you get useless expensive CCs like ICICI Emeralde CC.
For instance, for some folks SBI Cashback CC seems to be expensive for them but let me tell you that I have already generated returns equivalent to its 30 years of its annual fee in 1.5 years only. This is just an example.
Conclusion:- Find your priority spending area, and get that card irrespective of its annual fee, of course that doesn't mean you get useless expensive CCs like ICICI Emeralde CC.
financial_nerd
KF Rookie
For me it was Flipkart Axis Credit Card
Karunakara
KF Mentor
SBI Cashback Card and HDFC Swiggy Card in Cashback Category
Amex Platinum Travel Card and Axis Atlas Card in Travel Category
Axis Airtel Card snd Axis Ace card in bill payment Category
HDFC Tata Nue Infinite Card in Rupay Category
SBI/ Axis/IDFC Vistara Cards in Co-branded Travel Category
ICICI Amazon Pay in LTF Category
HDFC Infinia Metal Card in Super Premiun Category
Amex Platinum Travel Card and Axis Atlas Card in Travel Category
Axis Airtel Card snd Axis Ace card in bill payment Category
HDFC Tata Nue Infinite Card in Rupay Category
SBI/ Axis/IDFC Vistara Cards in Co-branded Travel Category
ICICI Amazon Pay in LTF Category
HDFC Infinia Metal Card in Super Premiun Category
Solu.s7
KF Rookie
Only for prime members ..
Yep this works...I got the card exactly the same way and is my first credit card
Aniket Jha
KF Rookie
This depends on your need. Can you share where your most expenses incur For Ex: Travel, Grocery, Online shopping etc.
This is important to know as depending on that, you need to choose one. It's same as buying a bike or car depending on your need.
Waiting for your reply.
I think the best credit card is HDFC MILLENIA. It provides 5% cashback or reward points on shopping on Amazon , Flipkart , irctc , pharm easy etc. also 1rp is equal to 1rs.
It has also spend offer of quarterly milestone which has a value of 1000 gv from gyftr can claim on several gv.
It has also spend offer of quarterly milestone which has a value of 1000 gv from gyftr can claim on several gv.
