Cashback Focused
How I Earn ₹5000 Monthly Just By Shopping Online (SBI Cashback Deep Dive)
It sounds almost too good to be true, but my monthly statement proves it: earning ₹5000 back just from my regular online shopping became a reality. The secret weapon? The SBI Cashback credit card. This card offers a straightforward 5% cashback on virtually all online spends. By strategically channeling my online purchases—everything from electronics to groceries and bill payments—through this card, I consistently hit the ₹1 Lakh monthly spend needed to max out the ₹5000 cashback cap. It fundamentally changed how I view my expenses; now, my necessary online spending generates a significant return every single month.
The Undisputed King of Cashback Cards in India? (SBI Cashback Spotlight)
In the crowded field of cashback cards, one consistently rises to the top for heavy online spenders: the SBI Cashback card. Why the “king” status? It boils down to its simple, powerful offer: a flat 5% cashback on most online transactions, with a generous monthly cap of ₹5000. This means you can spend up to ₹1 Lakh online and still earn rewards, a limit rarely matched. While other cards offer cashback, they often have lower caps or are restricted to specific merchants. For sheer earning potential on diverse online spending, the SBI Cashback card truly makes a royal claim.
SBI Cashback Card: Is the ₹999 Fee Worth the 5% Return?
Spending ₹999 plus taxes annually for a credit card makes you pause. But with the SBI Cashback card, the math often works out favorably. To break even on the fee (let’s approximate it to ₹1180 with GST), you need to earn that much in cashback. At a 5% rate on online spends, you only need to spend about ₹23,600 online annually, or just under ₹2000 per month. For anyone whose online shopping exceeds this modest amount, the card starts paying for itself and then generates pure profit, potentially up to ₹5000 monthly, making the fee seem trivial.
Maximizing Your SBI Cashback: Spending ₹1 Lakh Online Wisely
Hitting the ₹1 Lakh online spend target on the SBI Cashback card to earn the full ₹5000 monthly requires strategy, not just spending. Think beyond impulse buys. Channel all your planned online expenses here: big-ticket electronics, travel bookings made online, insurance premiums paid digitally, subscription services, online grocery orders, and even utility bills if paid via eligible platforms. Consolidating these necessary spends ensures you reach the threshold efficiently. It’s about making the card work for the spending you’d do anyway, turning routine outflows into significant cashback inflows month after month.
Best FREE Credit Card for Amazon Shoppers? (ICICI Amazon Pay Explained)
For avid Amazon users who hate annual fees, the ICICI Amazon Pay credit card is a game-changer. It costs absolutely nothing to hold—no joining fee, no annual fee, ever. Yet, it delivers significant value, especially for Prime members who get a fantastic 5% cashback on all purchases made directly on Amazon India. Non-Prime members still get 3%. It’s incredibly straightforward: shop on Amazon, get cashback credited directly to your Amazon Pay balance. For anyone frequently buying from Amazon, this free card offers effortless, tangible savings without any cost commitment.
ICICI Amazon Pay: 5% Back on Amazon, Even on Utility Bills? (Fact Check)
The ICICI Amazon Pay card shines with 5% cashback (for Prime members) on Amazon.in purchases. But what about other spends via Amazon Pay, like utility bills or insurance? Here, the rate typically drops. You usually earn 2% cashback when using Amazon Pay balance loaded via the card or directly using the card on partner merchants accepting Amazon Pay, and 1% on most other spends outside Amazon. So, while you do earn cashback on utility bills paid via Amazon Pay using this card, it’s generally not the full 5% reserved for direct Amazon shopping. Always check the latest terms!
SBI Cashback vs. ICICI Amazon Pay: Which Earns You More?
Choosing between SBI Cashback and ICICI Amazon Pay depends entirely on your spending habits. If you spend heavily online across various websites and platforms (up to ₹1 Lakh/month), the SBI card’s flat 5% with its high cap will likely earn you significantly more, despite the fee. However, if your primary spending is concentrated on Amazon, and you prefer a card with absolutely no annual fee, the ICICI Amazon Pay card is the clear winner for simplicity and cost-effectiveness within that ecosystem. It’s about broad online spending versus focused Amazon spending.
How I Get 10% Off Every Swiggy Order (HDFC Swiggy Card Hack)
My food ordering habits got a serious upgrade thanks to the HDFC Swiggy credit card. It’s simple: I get a direct 10% cashback on all my Swiggy spending, covering food delivery, Instamart groceries, Dineout, and even Genie services. This cashback, credited as Swiggy Money, can cap at ₹1500 per month, meaning I can spend up to ₹15,000 monthly on Swiggy platforms and still earn. It feels like a permanent discount code applied to every order, making my cravings significantly cheaper. It’s become my default card for anything Swiggy-related.
HDFC Swiggy Card: Beyond Food Orders – Where Else Can You Save?
While the 10% cashback on Swiggy (food, Instamart, Dineout) is the star attraction, the HDFC Swiggy card offers more. You also earn a respectable 5% cashback on a wide range of popular online merchants across categories like shopping, travel, and more (capped typically at ₹1500 combined with Swiggy spends). Plus, you get 1% cashback on most other offline and online spends. So, while it excels for Swiggy users, it doubles as a decent general online shopping card and provides some return on almost every other purchase, extending its value beyond just meal times.
The Secret Link: Earning Air Miles While Ordering Swiggy (Indigo + Swiggy Card)
Imagine earning flight rewards just by ordering dinner! It’s possible by linking your Swiggy account with your IndiGo 6E Rewards membership. When you do this, in addition to the cashback earned from your HDFC Swiggy card (or any card), you also earn IndiGo reward points on eligible Swiggy spends. I started doing this, and suddenly my biryani orders were contributing to my next vacation fund. It’s a simple, free link-up that adds another layer of reward—air miles—to your everyday food and grocery orders, a fantastic perk for travelers.
HSBC Live Card: 10% Cashback on Dining & Groceries You Didn’t Know About
Often overlooked, the HSBC Live+ Credit Card packs a punch, especially for foodies and home cooks. It offers an attractive 10% cashback specifically on dining, food delivery (like Zomato/Swiggy if coded correctly), and grocery spends made online. While there’s a monthly cap, usually around ₹1000, it’s a fantastic rate for these high-frequency categories. If your online spending is concentrated on eating out, ordering in, or stocking your pantry digitally, this card provides targeted high cashback where it matters most, making it a surprisingly valuable addition to your wallet.
Top 4 Cashback Credit Cards in India Right Now (Based on Niraj’s Picks)
Based on Niraj’s analysis focusing on maximum return, the top cashback contenders emerge. First, the SBI Cashback card reigns for broad online spends with its 5% rate and high cap. Second, the ICICI Amazon Pay card is unbeatable for Amazon loyalists due to its free nature and 5% return there. Third, the HDFC Swiggy card dominates for Swiggy ecosystem spends offering 10% back. Finally, the HSBC Live+ card carves its niche with 10% back specifically on online dining and grocery spends. Each excels in a specific scenario, catering to different spending patterns.
Is Unlimited Cashback a Myth? Comparing Cashback Card Caps
The dream of “unlimited” cashback is mostly a myth in India. While some cards might advertise it, almost all worthwhile cashback cards have monthly or annual caps. For instance, SBI Cashback limits you to ₹5000 per month. HDFC Swiggy/HSBC Live+ often cap around ₹1000-₹1500 for their high-rate categories. Even the ICICI Amazon Pay card, while generous on Amazon, has practical limits based on spending. Understanding these caps is crucial. A high percentage is useless if the cap is too low for your spending, making cap comparison as important as the cashback rate itself.
Cashback Showdown: SBI vs. HDFC Swiggy vs. ICICI Amazon Pay vs. HSBC Live
Imagine four shoppers. Shopper A buys everything online across many sites – SBI Cashback wins. Shopper B lives on Amazon – ICICI Amazon Pay is perfect. Shopper C orders Swiggy daily and shops online moderately – HDFC Swiggy is ideal. Shopper D mainly spends online on dining and groceries – HSBC Live+ offers the best return. There’s no single “best” card. This showdown highlights that the winner depends entirely on where you spend your money. Analyze your primary spending categories to pick your champion from this lineup.
Beyond the Big 4: Other Cashback Cards Worth Considering in India
While SBI, ICICI Amazon Pay, HDFC Swiggy, and HSBC Live+ get attention, don’t ignore others. Cards like Axis Ace offer flat 2% on most spends and 5% on utility bills via Google Pay. HDFC Millennia provides 5% on specific partners like Amazon, Flipkart, Myntra (with caps). Some bank-specific cards might offer good rates on their own portals or partners. Exploring these alternatives is vital if your spending doesn’t perfectly align with the “Big 4” or if you seek simpler, broader cashback structures, even if the peak percentages are slightly lower.
Discount Focused
How I Save ₹240 Every Month on Swiggy (Axis Myzone Strategy)
My weekend food orders got significantly cheaper thanks to the Axis Myzone credit card. It offers a flat ₹120 discount on Swiggy orders (minimum order value usually applies, like ₹200 or ₹500), and you can use this offer twice a month. By timing my larger Swiggy orders, I ensure I claim both discounts each month, resulting in a direct saving of ₹240. It’s not cashback; it’s an instant reduction on the bill. For a card often available with low or no fees, this consistent monthly saving on something I frequently use is fantastic value.
Axis Myzone: More Than Just Swiggy Discounts? Unpacking the Perks
While the twin ₹120 Swiggy discounts are a major draw, the Axis Myzone card offers a bundle of lifestyle benefits. You often get complimentary SonyLiv Premium subscription, potentially saving you ₹999 annually. There might be discounts on movie tickets (like Buy One Get One via Paytm Movies), airport lounge access (typically one per quarter), and dining discounts through Axis Bank’s programs. So, beyond just food delivery savings, it positions itself as an entry-level entertainment and lifestyle card, offering diverse perks that can add up to significant value, especially considering its low fee structure.
The “Discount King” Card You Haven’t Heard Of (HSBC TravelOne Focus)
While often discussed for travel points, the HSBC TravelOne card holds a secret weapon: powerful instant discounts. It doesn’t just offer points; it gives you direct savings at checkout. Think 10% off Zomato payments, potentially saving hundreds monthly if you order frequently. Even better, it offers up to 15% instant discount on travel bookings with partners like Yatra, EaseMyTrip, and StayVista. These direct price reductions make it a hidden “Discount King” for those who value immediate savings on food delivery and travel, complementing its points earning capability.
Flat 10% Off Zomato? This Card Makes It Possible (HSBC TravelOne)
Yes, you read that right. One of the standout, yet less-talked-about perks of the HSBC TravelOne credit card is the potential for a flat 10% instant discount when you pay for your Zomato orders using the card (subject to offer terms and validity). Imagine saving ₹50 on a ₹500 order, instantly, every time. For regular Zomato users, these savings accumulate quickly, making the card pay for itself just through food orders. It’s a direct, tangible benefit that provides immediate value, setting it apart from cards offering only points or delayed cashback.
15% Off Flights & Hotels? The HSBC TravelOne Discount Secret
Planning a trip? The HSBC TravelOne card can make it significantly cheaper upfront. Its partnership deals often include substantial instant discounts – sometimes up to 15% – when booking flights or hotels through platforms like Yatra, EaseMyTrip, or StayVista using the card. Instead of waiting for points to redeem later, you get a direct reduction on your booking cost right away. This “discount secret” is a powerful feature for travelers who prioritize immediate savings on their travel expenses, making the card valuable even before considering its reward points structure.
Best Credit Cards for Instant Discounts (Myzone vs. TravelOne)
When you want savings now, not later, which card wins? Axis Myzone excels with its predictable, twice-monthly ₹120 Swiggy discount – great for consistent food delivery savings on a budget-friendly card. HSBC TravelOne, though potentially having a higher fee, offers broader and potentially larger discounts: 10% on Zomato and up to 15% on travel portals. Your choice depends on frequency and type of spend. For regular, smaller Swiggy orders, Myzone shines. For frequent Zomato use and travel bookings where percentage discounts yield bigger savings, TravelOne takes the lead.
Are Discount Cards Better Than Cashback Cards? A Comparison
Neither is inherently “better”; they serve different preferences. Discount cards (like Myzone for Swiggy, TravelOne for Zomato/travel) give you immediate savings at the point of sale – the price you pay is lower. Cashback cards (like SBI Cashback, ICICI Amazon Pay) give you the full value back later as cash or credits. Discounts feel instantly gratifying but might be restricted to specific merchants or offers. Cashback feels like earning money back but requires waiting. If you prefer immediate cost reduction, go for discounts. If you prefer flexibility and earning on broader spends, choose cashback.
Travel Focused
My Favorite Travel Credit Card Category: Top Picks Explained
Travel cards are my passion because they turn everyday spending into exciting journeys. My top picks focus on maximizing reward value. The HSBC TravelOne is accessible, offering decent rewards even with lower income. Axis Atlas is a powerhouse for high spenders, aiming for potentially over 7% return via smart point transfers, especially hitting milestones. Then there are the aspirational giants: HDFC Infinia and Diners Club Black Metal, offering premium perks and high reward rates (up to 15% on Smartbuy/specific spends), though harder to get. Each serves a different traveler, from beginner to luxury enthusiast.
Can You Get a Great Travel Card with Just ₹4 Lakh Income? (HSBC TravelOne)
Yes, absolutely! The HSBC TravelOne credit card breaks the mold of premium travel cards requiring sky-high incomes. With an eligibility criteria reportedly starting around ₹4 Lakhs per annum, it becomes accessible to a much wider audience. Despite this accessibility, it offers respectable travel rewards, decent transfer partners (including airlines and hotels), and valuable instant discounts on Zomato and travel portals. It proves you don’t need an astronomical salary to start earning meaningful travel points and enjoying travel-related perks, making it a fantastic entry point into the world of travel rewards.
HSBC TravelOne: The Accessible Premium Travel Card Review
HSBC TravelOne positions itself smartly as the “accessible premium” travel card. For an annual fee (around ₹5000, often waived initially or on spends), it bridges the gap between basic cards and elite offerings. Key strengths include its relatively low income eligibility (around ₹4 Lakhs), decent reward points on spends, flexible transfer partners (airlines/hotels), and valuable instant discounts (10% Zomato, 15% travel portals). While its point value might not reach Atlas or Infinia levels, its blend of attainability, rewards, and immediate discounts makes it a compelling package for aspiring travelers seeking tangible benefits without extreme requirements.
Axis Atlas: How I Aim for 7%+ Returns on Travel Spends
The Axis Atlas card is my go-to for maximizing travel rewards from regular spending. Its core strength lies in earning Edge Miles, which convert favorably (often 1:2) to hotel points like Accor or airline miles. On regular spends, you earn miles, but the magic happens when hitting travel spend milestones (like ₹3L, ₹7.5L, ₹15L annually), awarding bonus miles. By strategically transferring these miles, especially to Accor during promotions, the effective reward rate can soar above 7%, even reaching double digits. It requires effort in tracking spends and transfers, but the payoff in luxury stays or flights is immense.
Axis Atlas Deep Dive: Understanding Edge Rewards & Transfer Partners
Axis Atlas earns Edge Miles, not just points. The key is converting them effectively. The standard conversion is 5 Edge Miles = 4 Partner Points/Miles for many airlines (like Vistara, Etihad) and hotels. However, the standout is often Accor Live Limitless (ALL), where 1 Edge Mile = 2 ALL points (effectively a 1:2 ratio). Since Accor points have a fixed value towards hotel stays (2000 points = €40), this transfer often yields the highest return. Understanding these ratios and transfer partners like Marriott Bonvoy, Turkish Miles&Smiles, etc., is crucial to unlock the true potential of your accumulated Edge Miles.
HSBC TravelOne vs. Axis Atlas: Which ₹5000 Fee Card Wins?
Both HSBC TravelOne and Axis Atlas command a similar annual fee (around ₹5000), but cater to different users. TravelOne wins on accessibility (lower income needed) and instant gratification (Zomato/travel discounts). Its point value is decent but generally lower than Atlas. Atlas wins for high spenders (income requirement ~₹12 Lakhs) focused purely on maximizing point value, especially through strategic transfers (like Accor) and hitting travel milestones. If you value immediate discounts and easier eligibility, choose TravelOne. If you spend heavily, meet the criteria, and prioritize maximizing long-term point value for luxury travel, Atlas is superior.
The ₹12 Lakh Hurdle: Is Axis Atlas Worth the Eligibility Struggle?
Facing the ₹12 Lakh annual income requirement for Axis Atlas can be daunting. Is the card worth the effort or the wait to become eligible? For serious travelers who spend significantly (especially aiming for the ₹15 Lakh annual milestone for bonus miles) and are willing to learn the points transfer game (particularly leveraging Accor), the answer is often yes. The potential reward rate (7%+) can significantly outweigh the fee and the initial eligibility challenge. However, if your spending is lower or you prefer simpler rewards, the struggle might not be justified, and alternatives like TravelOne are better suited.
HDFC Infinia & Diners Black: The Ultimate Travel Reward Cards?
Often considered the pinnacle of travel cards in India, HDFC Infinia and Diners Club Black Metal offer unparalleled rewards and perks, but are notoriously hard to obtain. Their strength lies in high base reward rates (around 3.3%) translating to points convertible to miles/hotel points (1:1 often), and exceptional accelerated rewards (5X or 10X, yielding 16.5% to 33%) via HDFC’s Smartbuy portal for travel bookings, electronics, and more. Combined with unlimited lounge access, golf benefits, and comprehensive insurance, they represent the ultimate package for high-spending frequent travelers seeking luxury and maximum returns.
How I Turn Regular Spends into Free Flights (Infinia/Diners Strategy)
My strategy with HDFC Infinia (similar for Diners Black) revolves around two pillars. First, maximizing the Smartbuy portal: booking flights and hotels here gives massive 5X or 10X reward points, rapidly accumulating miles. A ₹1 Lakh flight booking can yield enough points for another short domestic flight. Second, routing all other possible spending through the card earns a solid base rate (around 3.3%). These points are then transferred 1:1 to airline partners like Vistara, Singapore Airlines, or hotel programs during transfer bonus promotions if available. Consistent, strategic spending, especially via Smartbuy, transforms everyday expenses into aspirational travel.
Infinia vs. Diners Black Metal: Which is Better for YOUR Spends? (Decoding the Screenshot)
Choosing between HDFC Infinia and Diners Black Metal often hinges on specific spending patterns and reward goals, as Niraj’s comparison likely showed. Infinia (often Visa/Mastercard) boasts wider acceptance globally. Diners Black Metal might have slightly better reward structures on specific categories or accelerated rewards based on quarterly spending (like extra points for spending ₹4 Lakhs in a quarter, potentially yielding higher overall returns than Infinia for consistent high spenders). Analyze the reward structure details, acceptance network needs, and specific portal offers relevant to your spending to decide which elite HDFC card aligns better.
Unlocking 15% Rewards on HDFC Premium Cards: Is It Realistic?
Achieving a 15% reward rate (or even higher) on HDFC Infinia or Diners Black Metal is realistic, but primarily through specific spends. This typically happens when using the HDFC Smartbuy portal for travel bookings or purchasing vouchers/products where 5X or 10X reward multipliers apply. Since the base reward rate is ~3.3%, a 5X multiplier yields ~16.5%. It’s not achievable on all spends, but by channeling significant travel and online purchases through Smartbuy, you can realistically hit these incredible reward rates on those specific transactions, drastically boosting your overall points earning.
Spending 4 Lakhs a Quarter? Why Diners Black Metal Might Beat Infinia
If your spending consistently hits high benchmarks like ₹4 Lakhs every quarter, the HDFC Diners Black Metal card might edge out Infinia. This is often due to specific milestone benefits or accelerated reward structures tied to quarterly spending targets that Diners Black Metal sometimes offers. While Infinia provides excellent consistent value, Diners might provide an extra points bonus or a higher multiplier for hitting such quarterly spends, leading to a slightly better overall effective reward rate for those consistently spending at this high level. Always check the current specific card features.
The Secret to Getting an HDFC Infinia Invite (or Trying To!)
Getting the coveted HDFC Infinia invite feels like cracking a code. There’s no guaranteed formula, but key factors reportedly include: a very high existing relationship value (savings, investments) with HDFC Bank, a long and positive credit history with the bank, holding other premium HDFC cards (like Regalia or Diners Black) with high spending for a sustained period, and a significant annual income (often well above ₹30-40 Lakhs). Essentially, it involves demonstrating high net worth, loyalty, and substantial spending capacity to the bank, making you a highly profitable customer worthy of their top-tier offering.
My Journey Trying to Get the HDFC Diners Black Metal Card
Like many, I’ve been eyeing the HDFC Diners Black Metal card. My journey involves ensuring my existing HDFC relationship is strong, maintaining a high credit score, and consistently using my current HDFC cards with significant spends. I’ve inquired with my relationship manager, highlighting my spending patterns and expressing interest. While success isn’t guaranteed, the process involves patience, demonstrating loyalty and creditworthiness, and sometimes, meeting specific internal bank criteria that aren’t always public. It’s an ongoing effort, hoping my profile eventually aligns with their requirements for this sought-after premium card.
Axis Atlas Milestone Chasing: Is Hitting ₹15 Lakh Spends Worth It?
For Axis Atlas cardholders, the annual milestones significantly boost rewards. Hitting the ₹15 Lakh spend milestone typically awards a large chunk of bonus Edge Miles (e.g., 5000 or 10000 miles), drastically increasing the overall reward rate for the year. Is it worth stretching your spends to reach it? If you can comfortably and naturally spend this amount on eligible categories within the year, absolutely – the bonus miles represent substantial value, often enough for a free hotel night or flight upgrade. However, artificially inflating spending just for miles usually isn’t financially wise.
Best Credit Card Transfer Partners in India (Axis & HDFC Focus)
Maximizing travel card value hinges on smart transfers. For Axis (Atlas, Magnus), top partners often include Accor Hotels (great 1:2 conversion typically), Marriott Bonvoy, Vistara, Singapore Airlines KrisFlyer, Turkish Miles&Smiles, and Etihad Guest. For HDFC (Infinia, Diners Black), valuable partners usually feature Vistara, Singapore Airlines KrisFlyer (often 1:1), InterMiles, British Airways Avios, and hotel partners like Marriott Bonvoy (though conversion rates vary). Focusing on partners whose points/miles you value most and offer favorable transfer ratios is key to unlocking the best redemption value from your accumulated card rewards.
Avoiding Excluded Categories: Maximizing Rewards on Travel Cards
Travel credit cards are generous, but not on everything. Common exclusions that don’t earn full points (or any points) often include wallet loads, fuel purchases, rent payments, government payments/taxes (sometimes), insurance premiums (card dependent), and cash withdrawals. To maximize rewards, be mindful of these. Plan your spending: use your travel card for flights, hotels, dining, shopping, and other eligible categories. For excluded categories, consider using a different card specifically offering rewards on those (like a utility bill payment card or a fuel card), ensuring every rupee spent earns something valuable.
Travel Credit Cards: Beyond Flights – Lounge Access & Other Perks
While earning miles is central, great travel cards offer much more. Unlimited (or generous) airport lounge access worldwide for you and sometimes guests is a huge perk, providing comfort during travel. Comprehensive travel insurance (medical, baggage loss, flight delay) offers peace of mind. Concierge services can assist with bookings and requests. Golf privileges, dining discounts, and exclusive event access add lifestyle value. These ancillary benefits significantly enhance the travel experience and overall value proposition, making the card more than just a points-earning tool.
Tata Neu Focused
How I Get 5% Back on Jewellery & Groceries (HDFC Tata Neu Hack)
My regular BigBasket orders and even my Tanishq jewellery savings plan now earn me a solid 5% back, thanks to the HDFC Tata Neu credit card (both Plus and Infinity variants). By using this card for purchases within the Tata ecosystem – including BigBasket, Croma, Tata CLiQ, Titan, Tanishq, and more – I consistently earn 5% back as NeuCoins (where 1 NeuCoin = ₹1). It’s a simple hack: identify your Tata brand spends and ensure you use this card. It turns routine grocery shopping and even larger jewellery investments into rewarding experiences.
HDFC Tata Neu (Plus vs. Infinity): Which Free Card is Better?
Both HDFC Tata Neu Plus and Infinity cards are often available with no joining fee (sometimes lifetime free via promotions or Tata Neu app). The key difference lies in reward rates outside the Tata ecosystem and on UPI. Infinity generally offers a higher rate (1.5%) on non-Tata spends and UPI payments compared to Plus (1%). Infinity also grants more lounge access. If you spend significantly outside Tata brands or heavily use UPI via the Neu app, Infinity is better. If most spending is within Tata brands (where both offer 5%) and UPI usage is minimal, the Plus variant suffices perfectly.
The Best Card for BigBasket Shoppers? (Tata Neu Spotlight)
If BigBasket is your go-to for groceries, the HDFC Tata Neu card (either Plus or Infinity) is arguably the best choice. It offers a direct 5% cashback (as NeuCoins) on all your BigBasket spends, without complex conditions. While other cards might offer grocery rewards, they often have lower rates, stricter caps, or don’t specifically highlight BigBasket. The Tata Neu card’s integration means your substantial grocery budget directly translates into valuable NeuCoins, redeemable across the Tata ecosystem. For dedicated BigBasket users, this card provides unmatched, straightforward value.
Using HDFC Tata Neu for Tanishq Gold Harvest Plan: Smart Move?
Absolutely! Paying your Tanishq Golden Harvest Plan installments with the HDFC Tata Neu card is a savvy move. Since Tanishq is a Tata brand, these payments typically qualify for the excellent 5% cashback (as NeuCoins) offered by the card (both Plus and Infinity versions). Essentially, you’re getting a 5% return on your gold savings installment every single month. Over the duration of the plan, this adds up to a significant amount of NeuCoins, effectively reducing the cost of your eventual jewellery purchase. It’s a perfect example of maximizing rewards on planned, high-value spends.
1.5% Back on ALL UPI Spends? Tata Neu Makes It Happen
Earning rewards on UPI was rare, but the HDFC Tata Neu Infinity card changes that. When you link this card to the Tata Neu app and make UPI payments through the app, you earn a flat 1.5% back as NeuCoins (up to a monthly cap, typically 500 NeuCoins). The Tata Neu Plus card offers 1% back. This transforms everyday peer-to-peer payments, merchant QR code scans, and online payments made via UPI into reward-earning opportunities. It’s a compelling reason to route your UPI transactions through the Neu app if you hold one of these cards.
Tata Neu: The Ultimate Ecosystem Card? (Beyond Just Cashback)
The HDFC Tata Neu card aims to be more than just a cashback card; it’s designed as the key to the entire Tata Neu ecosystem. While the NeuCoin earnings (5% on Tata brands, 1-1.5% elsewhere/UPI) are central, the card often unlocks exclusive offers, early access to sales, and potentially better service within Tata apps like Tata CLiQ, BigBasket, 1mg, and Tata Play. It integrates payments and rewards seamlessly across diverse Tata services – from groceries and electronics to flights and hotels – aiming to create a loyal, closed-loop system where using the card enhances your experience across the board.
UPI Spends Focused
Stop Using Regular UPI! Earn Rewards with These Cards
Making UPI payments directly from your bank account earns you nothing. But why miss out? Certain credit cards, when linked to specific apps, let you earn rewards on UPI spends. The HDFC Tata Neu cards (Infinity giving 1.5%, Plus giving 1%) reward you when paying via the Tata Neu app. The Kiwi credit card, partnered with Axis Bank, offers tiered cashback up to 4% (though capped) for UPI spends made through its app. By shifting your UPI transactions to these card-linked app systems, you turn zero-reward payments into opportunities to earn valuable cashback or points.
Kiwi Credit Card: Up to 4% Cashback on UPI? How it Works
The Kiwi credit card, issued by Axis Bank and used via the Kiwi app, offers an intriguing tiered cashback on UPI spends. You earn “Kiwis” (points convertible to cash). The structure might be something like: 2% on spends up to ₹X, 3% on spends between ₹X and ₹Y, and potentially 4% on spends above ₹Y, but usually with a relatively low monthly cap on total cashback earned (e.g., ₹250 or ₹500). It rewards frequent, smaller UPI transactions rather than very large ones. It’s designed to make everyday UPI payments rewarding, incentivizing usage through its app.
Kiwi Card Review: The Tiered UPI Cashback System Explained
Kiwi’s core proposition is rewarding UPI spends made via its app using the linked Axis credit card. Instead of a flat rate, it uses tiers: you might earn 1 Kiwi per ₹50 (effectively 2%) for the first ‘n’ spends, then maybe 1.5 Kiwis per ₹50 (3%) for the next ‘m’ spends, potentially reaching 2 Kiwis per ₹50 (4%) beyond that, all subject to monthly caps on total Kiwis earned. This encourages consistent use throughout the month. While the peak 4% sounds high, reaching it requires significant transaction volume, and the overall monthly cashback is usually capped low.
Best Credit Card for UPI Payments: Kiwi vs. Tata Neu
Choosing between Kiwi (Axis) and HDFC Tata Neu for UPI rewards depends on your spending volume and preference. Kiwi offers a potentially higher peak cashback rate (up to 4%) but through a tiered system with likely lower monthly caps, making it good for frequent, smaller transactions. Tata Neu Infinity offers a simpler, flat 1.5% (Plus offers 1%) with potentially a higher monthly cap (e.g., 500 NeuCoins = ₹500). If you make many small UPI payments, Kiwi might edge out initially. If you make larger UPI payments or value simplicity and a higher absolute cap, Tata Neu Infinity is likely better.
Linking Credit Cards to UPI: A Beginner’s Guide
Linking credit cards (initially RuPay cards, now expanding) to UPI apps (like GPay, PhonePe, Paytm, or specific bank/card apps like Kiwi, Tata Neu) is becoming easier. Typically, you go to the “Add Payment Method” or similar section in your UPI app, select “Credit Card,” choose your bank, and verify the card linked to your mobile number via OTP. Once linked, you can select the credit card as your payment source when scanning QR codes or making online UPI payments where supported. Note: Person-to-person transfers using linked credit cards are usually not allowed.
Premium Cards Focused
Entering the Elite: India’s Most Desirable Premium Credit Cards
Stepping into the world of premium credit cards feels like joining an exclusive club. Cards like HDFC Infinia, Diners Black, Axis Magnus (especially Burgundy), and formerly Amex Platinum aren’t just payment tools; they’re status symbols packed with perks. Think unlimited lounge access, concierge services, luxury hotel benefits, and significantly higher reward rates. These cards are desirable because they promise a lifestyle upgrade, turning substantial spending into tangible luxury experiences – free flights, upgraded stays, and VIP treatment. They cater to those who spend significantly and value premium service and rewards above all else.
Axis Magnus for Burgundy: Is It Still Worth It Post-Devaluation?
The Axis Magnus card, particularly for Burgundy clients, took a hit with recent devaluations, making many users question its value. Transfer ratios became less favourable, and monthly milestone benefits were removed. Is it still worth the high fee or relationship requirement? For very high spenders (think well over ₹1.5 Lakh monthly on eligible categories) who can still extract value from its remaining travel perks, accelerated rewards on specific portals, and decent base earn rate, maybe. But for many, the shine has dimmed, and its undisputed “must-have” status is certainly debatable now compared to its glory days.
Who Should Get the Axis Magnus Card? (The ₹1.5 Lakh/Month Spender)
The ideal candidate for the current Axis Magnus card (especially the Burgundy variant) is someone consistently spending upwards of ₹1.5 Lakh every month on categories that aren’t excluded (like fuel, rent, utilities, government payments). This level of spend is often needed to generate enough reward points to justify the annual fee and overcome the less favourable transfer ratios post-devaluation. It suits individuals whose lifestyle involves significant spending on travel, luxury goods, dining, and other eligible online/offline purchases, allowing them to still leverage the card’s remaining benefits and earn substantial points despite the changes.
Decoding Axis Magnus: High Rewards on Travel & Non-Excluded Spends
Despite devaluations, Axis Magnus (for Burgundy) still offers potentially high rewards, particularly if you maximize its structure. You get accelerated points on spends via the Travel Edge portal. The base earning rate on most other non-excluded spends remains decent. The key is directing significant eligible expenditure (travel, dining, shopping) through the card and its portal. While the path to exceptional value is narrower now, understanding precisely which spends earn maximum points and avoiding excluded categories allows high spenders to still accumulate a substantial points balance for transfer to airline and hotel partners, albeit less generously than before.
HDFC Infinia & Diners Black: The Pinnacle of Premium Cards in India
Holding an HDFC Infinia or Diners Black Metal card signifies reaching the summit of India’s credit card landscape. These aren’t just cards; they are keys to a kingdom of benefits. You get virtually unlimited lounge access globally, top-tier travel insurance, golf privileges, and a dedicated concierge. But the real crown jewel is the reward structure: a solid base earn rate (~3.3%) plus incredible 5X or 10X points (up to 33% value) via Smartbuy for travel and shopping. They represent the ultimate combination of lifestyle perks and earning potential for the country’s highest spenders.
ICICI Emerald vs. Times Black: Are These Premium Cards Justifying Their Fees?
ICICI offers premium options like Emerald(e) (often LTF for wealth clients) and the high-fee Times Prime Black. Emerald shines with complimentary hotel/movie/spa vouchers and unlimited domestic lounge access, offering good value if free. Times Prime Black, however, with its hefty fee (around ₹10,000 + GST), struggles post-devaluation. Caps on voucher purchases and added convenience fees mimic HDFC’s changes but without the same reward potential. While it bundles a Times Prime membership, justifying the high annual cost solely through card rewards has become increasingly difficult unless you are a massive spender hitting all milestones.
Why I Might Not Recommend the ICICI Times Black Card Anymore
I used to see potential in the ICICI Times Black card, especially for high-volume voucher purchases. However, recent changes have significantly dampened its appeal. The introduction of caps on accelerated rewards for voucher sites and the addition of convenience fees on many transactions drastically reduce the net value you can extract. Coupled with its very high annual fee (around ₹10,000 + GST), the math just doesn’t add up for most users anymore. Unless you spend extraordinarily high amounts (think ₹70-80 Lakhs annually) to hit specific milestones, the card struggles to justify its cost compared to other premium alternatives.
The ₹70-80 Lakh Spender: Is the ICICI Times Black Card For You?
If your annual credit card spending ventures into the stratosphere – say ₹70 Lakhs, ₹80 Lakhs, or even more – then the ICICI Times Black card might enter the conversation. Why? Because at this extreme level of spending, you’re likely hitting every single milestone benefit the card offers, potentially unlocking significant bonus rewards or waivers that somewhat offset the high fee and transaction charges. For the vast majority below this threshold, the card doesn’t make sense. But for this elite group of ultra-high spenders, the specific milestone structure could potentially offer value unavailable elsewhere.
Is the Axis Atlas Secretly a Super Premium Card? (Eligibility & Milestones)
While positioned below Magnus, the Axis Atlas card punches well above its weight, blurring the lines into super-premium territory. Its high income eligibility requirement (around ₹12 Lakhs) already sets it apart. More importantly, its reward structure heavily incentivizes high spending through tiered annual milestones (up to ₹15 Lakhs) offering substantial bonus miles. Achieving these milestones requires significant spending capacity, akin to premium card users. The focus on maximizing value through strategic point transfers also aligns more with premium cardholder strategies. It’s a premium experience disguised as a mid-tier travel card.
Invite-Only Credit Cards: The Allure and Reality (Infinia Focus)
Invite-only cards like HDFC Infinia hold immense allure – the exclusivity feels special. It suggests you’ve “made it” in the bank’s eyes. The reality is that these invites are typically reserved for the bank’s most profitable customers: those with high relationship values (deposits, investments), significant spending history on other bank cards, and demonstrably high incomes. While the perks are undeniably top-tier, the path to an invite isn’t about secret handshakes; it’s about consistently proving your financial value and loyalty to the issuing bank over a sustained period, meeting their stringent internal criteria.
Best Premium Cards for High Net Worth Individuals in India
For High Net Worth Individuals (HNWIs) in India, credit card choice prioritizes rewards, exclusivity, and lifestyle benefits. HDFC Infinia and Diners Black Metal are prime contenders due to unmatched rewards via Smartbuy and comprehensive perks. Axis Magnus for Burgundy remains relevant for high spenders despite changes. If Amex reopens applications, the Platinum Charge Card offers unparalleled travel and lifestyle benefits. Some banks offer bespoke invite-only cards tied to private banking relationships. The “best” choice depends on aligning the card’s specific strengths (travel focus, lifestyle perks, reward structure) with the individual’s spending patterns and preferences.
Taxes & Government Spends Focused
How I Get 15% Rewards When Paying Taxes (HDFC Business Black Secret)
Paying taxes usually earns zero rewards, but I found a loophole with the HDFC Business Black credit card. By routing my tax payments (up to a certain limit, maybe around ₹50,000-₹55,000 per cycle) through specific government payment portals that the card counts for accelerated rewards (like 5X points on its business categories), I effectively earn points worth around 15% or more! It requires understanding the card’s specific terms and ensuring the payment portal qualifies, but turning a mandatory, reward-less expense into a high-earning opportunity feels like a financial superpower.
HDFC Business Black Card: The Ultimate Tax Payment Tool? (Up to ₹55k Spends)
For businesses or professionals needing to pay moderate amounts of tax regularly, the HDFC Business Black card can be exceptionally valuable. Its structure often allows earning accelerated reward points (like 5X) on specific business-related spends, which can include certain government or tax payments made via designated portals, up to a monthly cap (e.g., on spends up to ₹55,000). This transforms tax outflows into significant point inflows (potentially 15%+ value). While not unlimited, for covering smaller tax liabilities or advance tax installments, it’s arguably one of the best tools available for generating rewards on these typically excluded spends.
Can’t Get Business Black? Try HDFC Business Power for Tax Rewards!
If the high requirements for HDFC Business Black are out of reach, don’t despair! The HDFC Business Regalia (formerly Business Moneyback) or Business Power card offers a viable alternative for earning rewards on tax payments. While the reward rate is lower than Business Black, you can still earn accelerated points (perhaps yielding 5-6% value) on government/tax payments made through eligible portals, often up to a lower monthly cap (like ₹25,000). It provides a meaningful return on tax spends for those who don’t qualify for the top-tier business card, making it a smart choice for smaller businesses or professionals.
HDFC Business Power: Earning 5-6% on Government Spends
The HDFC Business Power credit card (or similar mid-tier HDFC business cards) provides a solid way to earn on government and utility payments, which often yield nothing on personal cards. By paying through approved portals, you can often trigger accelerated reward points, translating to an effective value of around 5% to 6%. There’s usually a monthly cap on the spends eligible for these bonus points (maybe ₹25,000 or so), but it’s a significant benefit for businesses needing to cover regular statutory payments. It turns necessary business expenses into valuable reward points.
Paying Taxes with Credit Cards: Is ICICI Emirates (1% Miles) a Good Option?
Using the ICICI Emirates credit cards to pay taxes presents a niche option. These cards typically allow tax payments and award Emirates Skywards miles, often at a rate equivalent to around 1% value back (e.g., 1 mile per ₹100 spent). While 1% isn’t spectacular compared to potential HDFC Business card rates, it’s better than zero. If you highly value Emirates miles specifically and make large tax payments exceeding the caps on other cards, this could be a way to accumulate miles on those substantial transactions. It’s a specialized choice for Emirates loyalists facing large tax bills.
The Big Question: Do SBI Card Tax Payments Count Towards Milestones? (Eterna/KrisFlyer)
This is often a grey area and a source of confusion. Whether tax payments made using premium SBI cards like Aurum, Eterna, or the co-branded KrisFlyer cards count towards achieving annual spending milestones (for fee waivers or bonus points/miles) is frequently unclear and can change. While the payment might go through, SBI’s terms often exclude government payments from reward point earning, and sometimes from milestone calculations too. It’s crucial to check the latest terms and conditions specifically or seek confirmation from SBI, as relying on tax spends for milestones is risky without explicit clarification.
Best Credit Cards in India for Paying Taxes & Government Fees 2024
Finding cards that reward tax payments is tough, but options exist. HDFC Business cards (Black, Regalia/Power) often lead, offering accelerated points up to certain caps via specific portals. Some premium personal cards might count tax spends towards overall milestones (for fee waivers) even if they don’t earn points directly – verification is key. ICICI Emirates cards offer miles (~1%). Standard Chartered Ultimate used to be good but check current terms. For most personal cards, expect zero rewards. Always verify the latest T&Cs as banks frequently update policies on government spending categories.
Navigating the “Tricky Category”: Maximizing Rewards on Mandatory Spends
Mandatory spends like taxes, rent, insurance, and utilities often fall into tricky categories excluded from standard rewards. Maximizing here requires specific strategies. Use dedicated cards if available (HDFC Business for taxes, specific cards for utilities like Axis Ace via GPay). Pay insurance/rent via platforms like NoBroker/Cred if their fee is less than the rewards earned (rare now). Understand card T&Cs precisely – sometimes online insurance payments earn rewards while offline don’t. It’s about finding niche cards or platform offers that turn these reward-less necessities into earning opportunities, even if modest.
General Strategy & Comparison
My Personal Credit Card Strategy (Inspired by Niraj’s Categories)
Inspired by Niraj’s approach, my strategy involves picking the best card for each major spending category. I use SBI Cashback for most general online shopping to max out the ₹5000 monthly. For travel bookings and maximizing points, Axis Atlas is my workhorse aiming for high-value redemptions. Swiggy orders go on the HDFC Swiggy card for 10% back. Amazon purchases are routed through the free ICICI Amazon Pay card. This category-based approach ensures I’m using the most rewarding card for each type of spend, rather than relying on one card for everything.
Building Your Perfect Credit Card Wallet: A Category-Based Approach
Instead of searching for one “perfect” card, build a wallet tailored to your life. Identify your biggest spending areas: Online shopping? Travel? Fuel? Groceries? Dining? Then, select a primary card that excels in each key category. Maybe SBI Cashback for online, Axis Atlas for travel, HDFC Swiggy for food delivery, a fuel co-brand card for petrol. Supplement with a good all-rounder or a card for UPI spends. This ensures you maximize rewards across your entire budget by using the optimal card for each specific type of transaction, creating a truly personalized and efficient system.
How to Choose Your FIRST Credit Card in India
Getting your first credit card is exciting! Start simple. Look for cards with no or low annual fees, especially “Lifetime Free” (LTF) offers. Focus on ease of approval – cards linked to your existing savings account or secured cards (against a fixed deposit) are often easier to get. Consider basic cashback cards (like ICICI Amazon Pay if you shop there, or a simple bank cashback card) or entry-level cards like Axis Myzone for basic perks. The goal is to build credit history responsibly, understand billing cycles, and avoid debt. Don’t chase high rewards initially.
How to Choose Your NEXT Credit Card: Moving Beyond Basics
Once you’ve mastered your first card and built some credit history, your next card should target specific rewards. Analyze your spending: where does most of your money go after essentials? If it’s travel, look at Axis Atlas or HSBC TravelOne. If it’s broad online shopping, consider SBI Cashback. If dining/groceries, maybe HSBC Live+. If you spend heavily within one ecosystem, look at HDFC Tata Neu or HDFC Swiggy. Your next card should fill a gap or offer significantly better rewards in a key spending category than your starter card, optimizing your overall returns.
Understanding Reward Rates: From Cashback Percentages to Point Values
Reward rates aren’t always straightforward. Cashback is simple: 5% back means ₹5 earned for every ₹100 spent. Points are trickier. A card might give 5 points per ₹100. But what’s a point worth? It depends on redemption. If 1 point = ₹0.25, then 5 points/₹100 is only 1.25% value. If 1 point = ₹1 (like Tata NeuCoins), then 5 points/₹100 is 5% value. For travel points (like Axis Edge Miles or HDFC points), value depends on transfer partners and redemption (flights/hotels), potentially ranging from ₹0.20 to over ₹1 per point. Always calculate the effective rupee value.
Credit Card Fees Explained: When is an Annual Fee Worth Paying?
Many balk at annual fees, but sometimes they unlock greater value. A fee is worth paying if the rewards and benefits you gain exceed the fee amount. Calculate the value: How much cashback will you realistically earn? What’s the monetary value of the lounge access, insurance, or milestone benefits you’ll use? If an SBI Cashback card (₹999 fee) earns you ₹5000 cashback annually, the fee is easily justified. If a travel card (₹5000 fee) saves you ₹10,000 via points and perks, it’s worth it. Don’t pay a fee for benefits you won’t use.
Reading the Fine Print: Common Credit Card Exclusions You MUST Know
The attractive headline reward rate often doesn’t apply to everything. Always read the fine print for exclusions! Common ones include: fuel purchases, wallet loading (Paytm, PhonePe etc.), rent payments, insurance premiums, utility bill payments (sometimes allowed via specific portals), government payments/taxes, EMI transactions (interest portion usually excluded), and cash advances. Knowing these exclusions prevents disappointment when your statement arrives and ensures you use the right card (or payment method) for these specific categories to avoid earning zero rewards.
One Card to Rule Them All? Or Build a Diversified Portfolio?
While the idea of one perfect card is tempting, it rarely exists in India. Most cards excel in specific areas but are weak in others. Relying on one card means missing out on optimized rewards across your spending. Building a small, diversified portfolio of 2-4 cards is usually the best strategy. Get a card for your highest spend category (e.g., online shopping), another for travel or fuel, maybe one for UPI/utility bills. This ensures you’re maximizing returns across different aspects of your budget without needing dozens of cards.
How Many Credit Cards Should You Really Have?
There’s no magic number, but quality trumps quantity. For most people, 2 to 4 strategically chosen cards are sufficient. One primary card for most spends, one or two specialized cards for key categories (like travel, fuel, or specific merchant cashback), and perhaps a basic backup card. Having too many becomes hard to manage, track fees, and meet spending requirements. Having too few means missing out on optimized rewards. Find the balance that maximizes your returns based on your spending habits without becoming overwhelming.
Credit Score Impact: Applying for Multiple Credit Cards
Every time you apply for a credit card, the bank makes a “hard inquiry” on your credit report, which can slightly lower your score temporarily (usually by a few points). Applying for many cards in a short period signals credit-seeking behaviour and can negatively impact your score more significantly. It’s best to space out applications (e.g., one every 6 months). Opening new accounts also lowers your average credit age. However, having more available credit (and using it responsibly) can positively impact your credit utilization ratio in the long run. Moderation is key.
The Power of Linking: How Connecting Accounts Maximizes Rewards (Swiggy/Indigo Example)
Sometimes, the rewards multiply when you link different loyalty programs or accounts. The Swiggy and Indigo 6E Rewards partnership is a prime example. By simply linking your accounts in the Swiggy app, you earn Indigo points on Swiggy orders in addition to the cashback or points earned from the credit card you used for payment. It’s like double-dipping on rewards! Always look for these partnership opportunities – linking hotel loyalty programs to airlines, or retail programs to credit cards – as they often provide extra value for minimal effort.
Why I Didn’t Include Amex Cards (And What to Use Instead)
American Express cards, particularly the Platinum Charge and Gold Charge cards, offer fantastic travel perks and rewards. However, as Niraj mentioned, Amex periodically pauses issuing new cards in India due to regulatory reasons or strategic decisions. Since they weren’t open for new applications at the time of his video, including them wouldn’t be helpful for viewers looking to apply now. Instead, focus on currently available alternatives like Axis Atlas/Magnus, HDFC Infinia/Diners Black, or HSBC TravelOne, depending on your eligibility and reward goals, to fill that premium travel card void.
Beginner’s Guide to Indian Credit Card Categories (Cashback, Travel, etc.)
Navigating Indian credit cards starts with understanding categories. Cashback cards (like SBI Cashback, ICICI Amazon Pay) give you a percentage of your spend back as cash or statement credit. Travel cards (Axis Atlas, HDFC Infinia) earn points/miles redeemable for flights and hotels, often with lounge access. Co-branded cards (HDFC Swiggy, fuel cards) offer specific benefits with partner brands. Premium cards provide luxury perks and high rewards but have high fees/eligibility. Lifestyle cards (Axis Myzone) bundle discounts on movies, dining, etc. Knowing these helps you choose based on your primary needs.
Intermediate Guide: Optimizing Spends Across Multiple Cards
Once you have a couple of cards, optimization is key. Identify the best card for each spend type. Use your highest cashback card for general online spends (e.g., SBI Cashback). Use your travel card for flight/hotel bookings and potentially dining if rewards are good (e.g., Axis Atlas). Use your co-branded card exclusively for that partner (e.g., HDFC Swiggy only for Swiggy). Pay utilities via a card offering specific bonuses (e.g., Axis Ace via GPay). Always check for temporary promotional offers giving bonus rewards on specific categories or merchants across your cards.
Advanced Strategy: Milestone Chasing and Point Transfers
Level up your rewards game with advanced tactics. Milestone Chasing involves tracking your annual spending on cards like Axis Atlas or premium ICICI/HDFC cards to hit thresholds that award large bonus points/miles or waive fees. This requires careful spend planning. Point Transfers means moving your bank points (Axis Edge, HDFC Rewards) to airline or hotel partners (Vistara, Marriott, Accor) – often during transfer bonus promotions (e.g., 30% extra miles) – to extract significantly higher value than direct cash redemption, unlocking business class flights or luxury stays for fewer points.
How Income Eligibility Shapes Your Credit Card Options in India
Your annual income is a major gatekeeper for credit cards in India. Basic, entry-level cards might require just ₹2-3 Lakhs. Mid-tier cards like Axis Myzone or HSBC Live+ might need ₹4-6 Lakhs. Premium travel cards like Axis Atlas jump to ₹12 Lakhs+. Elite cards like HDFC Infinia or Axis Magnus often require ₹30-40 Lakhs+ or significant banking relationships. Banks use income to gauge your repayment capacity and risk level. While not the only factor (credit score matters too), income largely determines which segment of cards you can realistically apply for and get approved.
Credit Card Application Links: Are They Safe? What to Check.
Using application links shared by creators (like in Niraj’s description) is generally safe if they lead directly to the official bank website. Reputable creators partner with banks. However, always verify: Does the URL look like the genuine bank domain (e.g., hdfcbank.com, axisbank.com)? Does the page have HTTPS security (padlock icon)? Are you being asked for excessive personal information upfront? Avoid links that seem suspicious, use URL shorteners you don’t recognize, or lead to third-party websites asking for sensitive data. Applying directly via the bank’s main site is always the safest bet if unsure.
Devaluations Happen: How to Adapt Your Credit Card Strategy
Credit card rewards aren’t static; banks often devalue points, reduce benefits, or increase fees. When your favorite card gets devalued (like Axis Magnus recently), don’t panic, adapt. Re-evaluate: Does the card still offer positive value for you despite the changes? Compare it against competitors again. Maybe a different card now offers better returns for your spending pattern. Be prepared to switch your primary card for certain categories or even close a card if its fee is no longer justified by its diminished benefits. Staying informed and flexible is key.
The Future of Credit Card Rewards in India: Trends to Watch
The Indian credit card landscape is evolving. Expect continued growth in co-branded cards focusing on specific ecosystems (like Tata Neu, Swiggy). UPI-linked credit card rewards (Kiwi, Neu) will likely expand as RuPay adoption grows. Banks might further restrict rewards on low-margin categories like utilities and rent. We might see more focus on curated experiences and lifestyle benefits beyond simple points. Devaluations are also likely to continue periodically as banks manage costs. Staying updated on fintech innovations and regulatory changes (like RBI mandates) will be crucial for users.
Reacting to Niraj’s “Best Credit Cards” Video: My Thoughts
Niraj’s breakdown provides a great category-based overview of strong contenders in the current Indian market. His focus on highlighting one key benefit per card simplifies choices. I appreciate the practical approach, covering accessible options like HSBC TravelOne alongside premium ones like Infinia. The inclusion of specific use-case cards (Swiggy, Tata Neu) is helpful. Excluding Amex due to current unavailability makes sense. Overall, it’s a solid starting point for anyone looking to build or optimize their credit card portfolio based on distinct spending needs, reflecting the current state of popular choices.
Misc
How I Turned My Grocery Bills into Free Business Class Flights
It sounds crazy, but my weekly BigBasket runs are funding luxury travel! By using a high-earning travel card like HDFC Infinia/Diners Black via Smartbuy for grocery vouchers, or consistently using Axis Atlas for all spends including groceries (aiming for milestones), I accumulate points rapidly. These points, transferred strategically to airline partners (like Vistara or Singapore Airlines, sometimes with transfer bonuses), become valuable miles. Enough miles, earned over time from seemingly mundane expenses like groceries, can genuinely be redeemed for aspirational awards like business class flights. It requires strategy and patience!
This FREE Credit Card Pays Me to Shop on Amazon
Forget paying fees! My ICICI Amazon Pay credit card costs me absolutely nothing – zero joining fee, zero annual fee, forever. Yet, every time I shop on Amazon (which is often!), it gives me 5% cashback directly into my Amazon Pay balance because I’m a Prime member. It feels like Amazon is literally paying me a small percentage back for buying things I was going to buy anyway. It’s the ultimate no-brainer card for any regular Amazon shopper, offering effortless savings without any cost or complicated conditions.
Getting Paid to Eat: The Swiggy + Credit Card Combo You Need
My food delivery habit now practically pays for itself! I use the HDFC Swiggy credit card for all my Swiggy orders (food, Instamart groceries) which gives me a straight 10% cashback as Swiggy Money. On top of that, I’ve linked my Swiggy account to my IndiGo 6E Rewards, so I also earn airline points for every order. It’s an amazing combo: instant cashback reducing the order cost, plus airline points accumulating for future travel. It feels like I’m getting paid in savings and miles just for enjoying my meals!
I Tested 20+ Cards, This One Gives 7%+ Back on Travel!
After trying out dozens of travel cards, I landed on the Axis Atlas as my go-to for maximizing returns. While the base earn rate is decent, the real magic happens with its milestone bonuses and strategic point transfers. By hitting annual spend targets and converting Edge Miles smartly, especially to hotel programs like Accor during promotions (where 1 Mile often becomes 2 Points worth ~₹1.8), I consistently achieve an effective reward rate exceeding 7% on my overall spends. It takes effort, but no other card I tested delivered such high quantifiable value back on travel.
The Secret ₹5000/Month Cashback Machine (SBI Card)
My SBI Cashback card has become my personal ATM, churning out ₹5000 every single month like clockwork. The secret? It offers a flat 5% cashback on almost all online spending, capped at ₹5000 monthly. By simply channeling ₹1 Lakh of my regular online expenses – shopping, bills, subscriptions, travel bookings – through this one card each month, I hit the maximum cap effortlessly. It’s a straightforward, powerful cashback engine that consistently puts a significant amount of money back into my pocket just for spending online as I normally would.
How a ₹5000 Fee Card Saved Me More on Travel (Atlas vs. TravelOne Logic)
Paying ₹5000 annually for Axis Atlas seemed steep compared to maybe lower fee cards. But the math proved otherwise. While HSBC TravelOne (similar fee) offers instant discounts, Atlas’s higher potential point value, especially when hitting milestones and transferring smartly to Accor (getting over 7% back), generated far more value on my large travel spends. That high reward rate, applied to significant flight and hotel bookings throughout the year, yielded savings far exceeding the ₹5000 fee and ultimately saved me much more than the immediate, smaller discounts from other cards would have.
Forget Savings Accounts: Earn 15% on Your Spends With This Card Trick (HDFC Premium)
Okay, maybe not all spends, but hear me out! Using my HDFC Infinia card via their Smartbuy portal for specific purchases like flight bookings or Amazon vouchers often triggers a 5X reward point multiplier. Since the base value is around 3.3%, this 5X boost translates to an incredible ~16.5% effective reward rate on those specific transactions! While my savings account gives peanuts, strategically using this HDFC premium card trick on planned big purchases generates returns that feel almost unreal, significantly boosting my overall reward earnings far beyond traditional savings interest.
Pay Your Taxes and Get Rewarded? Yes, It’s Possible! (HDFC Business Cards)
Taxes felt like a black hole for rewards until I discovered HDFC Business cards. Using my HDFC Business Black (or even the Business Regalia/Power variant), I can pay certain taxes online via approved government portals and earn accelerated reward points! Depending on the card, this translates to anywhere from 5% to over 15% effective value back on spends up to the card’s specific cap for this category. It’s amazing – turning a mandatory, painful expense into a surprisingly rewarding transaction just by using the right piece of plastic.
The One Card I Use for Almost EVERYTHING (If I had to pick)
If disaster struck and I could only keep one credit card, which would it be? Tough call! While specialized cards maximize returns, for sheer versatility and solid value across most categories, I might lean towards something like HDFC Infinia (if eligible) due to its good base rate, decent portal benefits, and wide acceptance. Or perhaps a simpler, broad cashback card like Axis Ace (2% flat) if premium wasn’t an option. The “one card” ideal sacrifices optimization, but prioritizes usability and decent returns everywhere, making it a reliable workhorse for diverse, everyday spending.
Stop Making This HUGE Mistake with Your UPI Payments!
Are you still making UPI payments directly from your bank account? That’s a huge mistake because you’re earning absolutely nothing! Instead, link a rewards-earning credit card (like HDFC Tata Neu Infinity for 1.5% back, or Kiwi-Axis for tiered cashback) to its respective app (Tata Neu app, Kiwi app) and make your UPI payments through that system. You still get the convenience of UPI, but now every scan-and-pay or online UPI transaction generates NeuCoins or Kiwis, turning those zero-reward payments into small streams of income. Don’t leave free money on the table!