Top 5 must have credit cards

Do you already have Ace or plan to get it?

I got none of them 😶

Do you have sbi BPCL rupay card?

I don’t have any one of them but planning for millenia, bpcl rupay and icici mmt

What I use (I do not buy vouchers etc just for maximizing rewards, I just put my normal spends on my cards as follows)

Amex mmrc – spend 4 times on it initially for 1000 rp.

Standard charted platinum – 5x reward point on fuel

Hdfc regalia- 5x reward point on Amazon (smartbuy 6.5% reward rate)

Then for big online purchases if I have any I will use either Amazon card for Flipkart card for unlimited 5% cashback or if amex has 10x or 15x reward point offer I’ll use that.

For offline purchase which I don’t have much so I use regalia by default.

These maybe not the best but it is what works for me coz I’ll am not into cashback and more into reward points.

ace is best card 

BOB Eterna Card is best

just don’t know why people use word ,,Best…..There is nothing best in this universal of materialistic world, Everything is best and everything is worse, it just depend individual to individual, situation to situation , time to time. One should put some effort to find these things for themselves by trial and errror , both OP and people expressing their best might not be the best. So learn to trial and error in life, so one will learn problem solving skill along this way and things will seem much better this way.

@suthakarm80 your list is perfect I believe. These are best cards for people like us. Totally agree

But there are some people who will not agree to this as they want other benefits from card like lounge access, road assist, etc etc
And some want premium cards.

So for me, your list is final and proper

take every free LTF card u when the often the offer have more % then regular 

One of the underrated cards is Axis Privilege. Its 2x redemption for Myntra vouchers makes it best card of Axis Bank with annual fee waiver requirement of 2.5L.

Considering the recent offers by axis, it is going to be my most used card in this year for spends apart from rent payments.

On their portal, there is several 5x/10x (10% or 20% flat discount as Myntra vouchers) on many top brands like Amazon, Flipkart, Myntra, Cleartrip, Gyftr. And during festivals, it going even to 20X (40% as Myntra Vouchers). And best part is that there is no capping of points earned.

Actually last year, axis gave offers even for rent payments, but recently it seem to be closing that route completely. So, Paytm Citi on Paytm or DCB on nobroker will serve for that for about 1.75-2% net cashback.

4th card would be IDFC first mainly because it gives points for wallet loads.

You missed IDFC first. It rewards you without any limit. In Millania you still have to make a transaction of Rs.2000. In IDFC you get the reward from very first rupee. You get additional reward once you cross first 20000 in a month.

I recently got Diners millennia as an auto upgrade from diners premium card, confused which one to use