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Best credit card from every bank we know.

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Post Mogul
chapak_chua
Hi everyone, first question here, I think everyone wants to know from the enlightened ones which is the best card from every bank. Only one card from each bank which is the allrounder. Please share info with everyone.
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Commentator Commentator
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None from Yes Bank

Savings Mentor Savings Mentor
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For average person, these are it but not for high spenders, HNI individuals or those into the air miles game. And of course, to each person, depending on his spends and lifestyle, one card may be useless while some other very valuable

SBI: SBI Cashback (cashback round the year), SimplyCLICK (for flat discount offers)
- HDFC: Millennia (Amazon, Flipkart, Uber), Neu Infinity esp. on RuPay (BigBasket, 1mg)
- ICICI: Amazon Pay, any Platinum or Coral (better if on RuPay) for ICICI bank CC offers
- Axis: Airtel, Ace, Neo, MyZone, Kiwi (any 3 or 4 from these 5 depending on whether you want CB on bills, Zomato, Swiggy or any merchant/UPI)
- Kotak: Zen Signature, Mojo Platinum on RuPay
- RBL: World Safari (0% forex), SaveMax (10% on Zomato)
- IndusInd: Pinnacle, otherwise Legend
- IDFC FIRST: Wealth, otherwise Select
- BOB: Snapdeal RuPay
- Bank of India: RuPay Select
- OneCard: South Indian Bank or BOB's OneCard
Federal: Imperio (for offers, grocery and healthcare), although Celesta is higher (but Travel & international spends focused)
- PNB: RuPay Select
- AU: Xcite base variant
- StanC: Smart (if paid), otherwise Platinum Rewards if LTF
- HSBC: Cashback (if paid), otherwise Platinum (LTF)
- Yes Bank: no card is worth paying for, but FinBooster or Yes First Exclusive/First Preferred/Premia/Prosperity Edge if you can get them LTF

Of course higher cards are better for big spenders e.g. HDFC's Infinia is Infinia, AUZenith/Zenith+, IndusInd Pioneer, SBI Elite/Aurum, Axis Reserve/Atlas/Magnus, BOB Eterna are high end but for general public, I feel this is it ^^

Savings Mentor Savings Mentor
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For average person, these are it but not for high spenders, HNI individuals or those into the air miles game. And of course, to each person, depending on his spends and lifestyle, one card may be useless while some other very valuable

SBI: SBI Cashback (cashback round the year), SimplyCLICK (for flat discount offers)
- HDFC: Millennia (Amazon, Flipkart, Uber), Neu Infinity esp. on RuPay (BigBasket, 1mg)
- ICICI: Amazon Pay, any Platinum or Coral (better if on RuPay) for ICICI bank CC offers
- Axis: Airtel, Ace, Neo, MyZone, Kiwi (any 3 or 4 from these 5 depending on whether you want CB on bills, Zomato, Swiggy or any merchant/UPI)
- Kotak: Zen Signature, Mojo Platinum on RuPay
- RBL: World Safari (0% forex), SaveMax (10% on Zomato)
- IndusInd: Pinnacle, otherwise Legend
- IDFC FIRST: Wealth, otherwise Select
- BOB: Snapdeal RuPay
- Bank of India: RuPay Select
- OneCard: South Indian Bank or BOB's OneCard
Federal: Imperio (for offers, grocery and healthcare), although Celesta is higher (but Travel & international spends focused)
- PNB: RuPay Select
- AU: Xcite base variant
- StanC: Smart (if paid), otherwise Platinum Rewards if LTF
- HSBC: Cashback (if paid), otherwise Platinum (LTF)
- Yes Bank: no card is worth paying for, but FinBooster or Yes First Exclusive/First Preferred/Premia/Prosperity Edge if you can get them LTF

Of course higher cards are better for big spenders e.g. HDFC's Infinia is Infinia, AUZenith/Zenith+, IndusInd Pioneer, SBI Elite/Aurum, Axis Reserve/Atlas/Magnus, BOB Eterna are high end but for general public, I feel this is it ^^

Coupon Connoisseur Coupon Connoisseur
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nice compilation, have most of them. 

SBI - SimplyClick (LTF)
HDFC - Millennia (LTF), Neu Infinity Rupay (LTF)
ICICI - Amazon Pay (LTF) , Platinum (LTF)
Axis - Airtel, Myzone (LTF), Flipkart (LTF)
Induslnd - Legend (LTF)
IDFC - Select (LTF)
BoB - Snapdeal
OneCard: Federal  (LTF)
HSBC: Platinum (LTF)
Yes Bank: Premia (LTF)

I will also add Amex MRCC to this list for an average spender


44 Comments  |  
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Vanguard Vanguard
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SBI cashback CC from SBI

Helpful Helpful
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Apay icici from icici bank

Commentator Commentator
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None from Yes Bank

Finance Mentor Finance Mentor
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Even add kotak to that...
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Wingman Wingman
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Hdfc millenia for shopping

Pro Entertainer Pro Entertainer
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As of now SBI CASHBACK. 

Savings Mentor Savings Mentor
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For average person, these are it but not for high spenders, HNI individuals or those into the air miles game. And of course, to each person, depending on his spends and lifestyle, one card may be useless while some other very valuable

SBI: SBI Cashback (cashback round the year), SimplyCLICK (for flat discount offers)
- HDFC: Millennia (Amazon, Flipkart, Uber), Neu Infinity esp. on RuPay (BigBasket, 1mg)
- ICICI: Amazon Pay, any Platinum or Coral (better if on RuPay) for ICICI bank CC offers
- Axis: Airtel, Ace, Neo, MyZone, Kiwi (any 3 or 4 from these 5 depending on whether you want CB on bills, Zomato, Swiggy or any merchant/UPI)
- Kotak: Zen Signature, Mojo Platinum on RuPay
- RBL: World Safari (0% forex), SaveMax (10% on Zomato)
- IndusInd: Pinnacle, otherwise Legend
- IDFC FIRST: Wealth, otherwise Select
- BOB: Snapdeal RuPay
- Bank of India: RuPay Select
- OneCard: South Indian Bank or BOB's OneCard
Federal: Imperio (for offers, grocery and healthcare), although Celesta is higher (but Travel & international spends focused)
- PNB: RuPay Select
- AU: Xcite base variant
- StanC: Smart (if paid), otherwise Platinum Rewards if LTF
- HSBC: Cashback (if paid), otherwise Platinum (LTF)
- Yes Bank: no card is worth paying for, but FinBooster or Yes First Exclusive/First Preferred/Premia/Prosperity Edge if you can get them LTF

Of course higher cards are better for big spenders e.g. HDFC's Infinia is Infinia, AUZenith/Zenith+, IndusInd Pioneer, SBI Elite/Aurum, Axis Reserve/Atlas/Magnus, BOB Eterna are high end but for general public, I feel this is it ^^

Coupon Connoisseur Coupon Connoisseur
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nice compilation, have most of them. 

SBI - SimplyClick (LTF)
HDFC - Millennia (LTF), Neu Infinity Rupay (LTF)
ICICI - Amazon Pay (LTF) , Platinum (LTF)
Axis - Airtel, Myzone (LTF), Flipkart (LTF)
Induslnd - Legend (LTF)
IDFC - Select (LTF)
BoB - Snapdeal
OneCard: Federal  (LTF)
HSBC: Platinum (LTF)
Yes Bank: Premia (LTF)

I will also add Amex MRCC to this list for an average spender


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@some1anywhere

What are the benefits of kotak mojo rupay cc?

Savings Mentor Savings Mentor
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All Kotak credit cards aren't rewarding in any meaningful way for actual everyday spends for normal users. They killed the one good card they had, Essentia. But the ones on RuPay you can rotate money to earn rewards while the tricks aren't patched yet. Mojo has higher reward point value than League Platinum when redeeming, but otherwise League RuPay is also good for rotation. On League, if milestone spends of 1.25L are met, you get bonus 10000 RPs equivalent to ₹2500 plus around ₹400 worth of regular RPs (2.3% reward rate on meeting milestone target, but far lower without it - 0.25% to 0.3% or something smile )
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Deal Cadet Deal Cadet
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Citi: Rewards Card (1000 fee waiver on 30k annual spend) , mmt/yatra and other offers are there.

Helpful Helpful
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Citi rewards is big no, rewards are too low Nd need minimum of 10000 points to redeem 

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Generous Generous
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all LTF card from all banks

Deal Cadet Deal Cadet
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Option is there for catalog (where Gift voucher list ) but it is not loading.

Also option details mentioned in FAQ.

Lagta he abhi Citi jaisa kuch nhi bachega  sab Axis ho jayega

Benevolent Benevolent
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For someone into miles redemption then first preference AMEX trifecta, then comes HDFC Infinia/DCB and Axis Atlas.

Crusader Crusader
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#Offtopic..

Has anyone received a kotak white card recently? If so do we get priority pass with this card?

Post Mogul Post Mogul
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No
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Deal Newbie Deal Newbie
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Off topic: what would be your ultimate picks for cashback card?

I reckon:

1. Amazon Pay ICICI - Amazon Shopping / LTF

2. Airtel Axis - Utility/ Recharge Cashback / 590 Yearly

3. HSBC Cashback: Grocery, Dining 10% cashback / 1180 Yearly

4. SBI Cashback: 5% online / 1180 Yearly

5. SC Titanium: 5% on fuel / LTF

Helpful Helpful
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Sc titanium ltf 🤔

How?

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Helpful Helpful
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1. Are there any charges, if we redeem kotak league rp?

2. When will they credit 10k points?

@Scorpion @abhishek012

Deal Subedar Deal Subedar
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no charges and you can claim the points when you achieve the milestone

The PostMighty The PostMighty
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What is the advantage/benefits of one card? Or just show off because of being metallic

Savings Mentor Savings Mentor
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OneCard has random offers on every merchant. No fixed specific offers. Have to keep checking OneCard app but can save some money
Deal Cadet Deal Cadet
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OneCard benefits?

Deal Newbie Deal Newbie
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What is the reward rate for mojo visa platinum credit card? I have 2500 approx rewards points
Benevolent Benevolent
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Not sure how I missed this gem of a card for past few months. After magnus devaluation, Axis Atlas seems to be very rewarding card for miles transfer and for traveledge bookings.

Just added this to my portfolio, right in time for my next trip

Helpful Helpful
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Any Rupay Select LTF card ?

Generous Generous
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Yes! Provided you spend Atleast 1rs every quarter.. Pnb rupay select will be  LTF

Deal Cadet Deal Cadet
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Which is better ?

Kotak Zen card or Mojo Rupay

Mojo Rupay UPI reward cashback rate?

UPI transactions are counted for Kotak milestone calculation?

The PostMighty The PostMighty
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Updated list after recent devaluations?

replyuser
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