In search of best value back credit card

Hdfc has so many terms now like 70% only you can redeem points go for hdfc dinner black if using online only,you cannot get infinia directly

bascially which top 3 cards offer good cashback which have less chargs?

add freecharge axis card also

Thanks. I checked with MJ99. S/He explained me that I am still not eligible for deals wiki. I think, after sometime I will become eligible.

@MJ911, I forgot to ask you to add the following information on the main post. Can you plz add ?

Standard Chartered Ultimate : Flat 3.3% cashback. No limit, no categories, no exclusions. ₹5000 joining fee, ₹6000 cashback. ₹5000 renewal fee, ₹5000 cashback. Redemption only at SC’s rewards360 website.

There is a mistake in the main post.

The Standard Chartered Platinum is actually Standard Chartered Super Value Titanium card.

I will ask @MJ911 to update it with the latest info.

Standard Chartered Super Value Titanium : 4% cashback on fuel (5% Cashback – 1% Surcharge), Max ₹2000/transaction. Max. cb ₹200/month. 5% cashback on telecom and utility – postpaid mobile, landline, electricity, DTH, water and piped gas. Min Rs.₹750/transaction, Max cb ₹200/month for telecom, ₹100/month for utility. Telecom and utility must be paid through SC’s billpay section of the website.

With so many conditions, ifs and buts the card has lost its appeal.

True. However payzapp has limited transactions. Axis Ace also give 5% on GooglePay.

The only advantage of this card is to get 4% cashback on fuel. As per my understanding it is the only card that gives net 4% cashback.

But that too is capped at ₹200/month. That means at the max you can fill up for ₹5000 of petrol/diesel to make use of it. And in one go you cannot fill up for more than ₹2000

This card is losing its charm. As mentioned its not very appealing.

@MJ911 , Thank for adding the Standard Chartered Super Value Titanium. But Standard Chartered Platinum had to be replaced with it. Now, please delete the line of Standard Chartered Platinum.

Hi @MJ911 ,

Please remove the below line from the main post -
“Standard Chartered Platinum : 2.5% cb on fuel (5% cb – 2.5% surcharge). 1pt/₹150 spent. ₹0.26/point. Max ₹500 cb/month”

Yesterday, I also learned (the hard way) that IndusInd bank Platinum card does not give 1.27% flat cash back. It gives 0.68% cashback for -
Utility Bill Payments
Insurance Premium Payments
Government Services/Charges/Payments
Education Institute Fees

For all other categories it will be 1.27% though.

I found a new card – BoB Select.

All the reward related information is not available on its website – https://www.bobfinancial.com/select-ca...sp but from the net it seems that a reward point is valued at ₹0.25. With that the reward is ₹1.25/₹100 spent on Dining, Utility bills, Online. Capped at ₹250/month.
₹0.25/₹100 spent on everything else.

An interesting feature is 1000 rewards points / ₹5000 spent every month ! (₹1000x5) This means ₹250 cashback every month !
This is just inspired by Amex

And if you spend ₹6000/month or ₹72000/year you get annual fee waiver.

Anyone hold this card ? Can anyone verify this information ?

you have done all the homework why are you asking others 😂

Idfc credit cards are ltf and open for all? Or only for idfc acoount holders?

Indus ind platinum. Cc gives 1.27 per 100 n apay gives 1 as per d thread…. Indus is better dan icici apay

@MJ911

Can you plz remove the below line from the main post -
“IndusInd Bank platinum card gives flat 85ps/reward point. Every ₹100 spend gives 1.5 points. That is ₹1.27/₹100 spent.”

And replace it with -
“IndusInd Bank platinum : ₹0.85/reward point. Every ₹100 spend gives 1.5 points. That is ₹1.27/₹100 spent. On utility, insurance premiums, payments to Govts and education fees, the cashback is ₹0.68/₹100 spent.”

Unable to find Indusind Bank Platinum credit card on their site. Provide me with a link please @bridges

@deb3l , thanks for creating the deal wiki.

Can you plz remove the extra spacing ? It appears that there are 3 line spacing between two cards. Thanks again.

Dear @deb3l, can you plz add the following line to deals wiki ?

BoB Select : Similar to Amex, get 1000 reward points from ₹1000x5 spent/month. ₹0.25/point. That is 5% (₹250) cashback. Additionally, ₹1.25/₹100 spent on Dining, Utility bills and Online – Capped at ₹250/month.

Anyone holding HDFC Diners Club ?

HDFC Diners Club Black card.

It is the card touted as one of the best credit cards in India. It is an ultimate premium product.

It gives flat 3.33% cashback. And 33.3% cashback (yes, it is not a typo) on weekend dining and on partner brands (Smartbuy). Plethora of other benefits such as complementary membership of Ola Select, BookMyShow, TataCliq on spends of over ₹80,000. Also, 6 complimentary Golf games/quarter. Lowest foreign currency markup of 1.99%.

Reward points are valid for 3 years. No points on loading wallet. ₹10,000 is the joining and Renewal fee. Can be waived off on a spend of ₹5L/year.

@MJ911,

Plz add below into Deals Wiki -

Standard Chartered Ultimate : Flat 3.3% cashback. No limit, no categories, no exclusions.₹5000 joining fee, ₹6000 cashback. ₹5000 renewal fee, ₹5000 cashback. CB redemption only on SC’s rewards360 website. Reward redemption fee ₹118 incl. GST.

Not able to find any new credit card worth the mention here. Also havn’t noticed any condition changes in the already mentioned cards here. So no new updates as of now.

Do let me know if you come across anything that requires this thread to be updated.

Bob select stopped extra rewards for 5*1000 from Nov 21

Time to add a new card to this wiki.

HDFC Millenia : 5% Cashback on Amazon, Flipkart, Tata CLiQ, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV and Uber, 1% on everything else except Fuel. Rs.500 must be accumulated as cashback before it gets credited to statement balance on request. Unutilized cashback lapses after 2 years.

@MJ911, can you plz insert the above line between Flikart Axis and HSBC Visa Platinum cards in the wiki ?

One more card worth this wiki -

SBI BPCL : 3.25% cashback (Fuel Surcharge is waived in all credit cards so not adding that 1% to 3.25% as advertised). 13 points/₹100 spent. 1 point = ₹0.25. Surcharge waiver applicable only on transaction less than ₹4000. 1% Surcharge is applicable if card is used for ₹10000+ per statement cycle.

@MJ911, can you plz insert this between Standard Chartered Super Value Titanium and Standard Chartered Ultimate cards in the wiki ?

Updates to IDFC Credit cards. 

IDFC First Millenia/Classic : If total spend is greater than ₹20000/billing cycle : ₹2.5/₹150 spent (1.66%), if spend is less than ₹20000 : ₹1.5/₹150 spent online (1%), ₹0.75/₹150 spent offline (0.5%). No points/cb on fuel, EMI, Insurance, Cash Withdrawal. ₹99+GST for reward redemption (equivalent to ₹11682 spent if you earn rewards point mostly in 1% slab). LTF.

IDFC First Select/Wealth : If total spend is greater than ₹25000/billing cycle : ₹2.5/₹125 spent (2%), if spend is less than ₹20000 : ₹1.5/₹125 spent online (1.2%), ₹0.75/₹125 spent offline (0.6%). No points/cb on fuel, EMI, Insurance, Cash Withdrawal. ₹99+GST for reward redemption. (equivalent to ₹9735 spent if you earn rewards point mostly in 1.2% slab). LTF.

These will kick in from 17-May-22. We will update the wiki then.

Thank you @MJ911 for adding HDFC Millania and SBI BPCL. 

The spacing is not uniform between cards. Do you want to increase the spacing before and after the new cards ?

One of my card is Citibank premiermiles
Key points 🗝️
Annual Fee : 3000 + gst – get reward points/miles of 3000 ( approx 1400 rs)
4 miles per 100 – 1.8% redemption on MMT/Goibibo/indigo
10 miles per 100 of flight booking i.e 5%

which website have bharatQR fr payment?

List the cards debit/credit giving points on wallet recahrge