What are the Best Credit Cards at Present ?
- 14079
- 212
-
- Last Comment
Guys I already have 3 cards
- SBI Simply Click
- CITI Rewards
- HDFC Diners Premium
Please tell me what are the other best available cards at present
My shopping trend: More than 90% online 
Free or Renewal Fee less than 1000 will be better for me as I have to divide the total spend among all cards
Let me know if lifetime free offer/Fee weaver is there, then renewal fees will not be there.
I have sorted down some.
- SBI Prime
- IndusInd Iconia
- HSBC VISA Platinum
- Standard Chartered Manhattan Platinum
- Axis My Zone/Privilege
- AMEX Gold/Rewards
- Kotak Royale Signature Credit Card
- YES First Preferred Credit Card
thanks in advance
Deal Wiki
-
Last updated by: nofpd
After taking the suggestions of Experienced Dimmers
Applied For:
- HSBC VISA Platinum (Approved)
- AMEX Rewards (Approved: they are really fast and professional)
- IndusInd Iconia (10K Shoppers Stop) (Got option for Signature Legend decided to skim due to huge joining fee, but will upgrade to this next year as I can use the SS vouchers easily and it has got 0% cash withdrawal fee)
Received all 3
actually that is HSBC
HSBC VISA Platinum is lifetime free card and is more rewarding … We Can Convert the HSBC Points to extra points and Can get Value of each point around 40 paise ..
IndusInd Iconia
Amex Variant
~Weekend 2% Weekday 1.5%
~Adjust rewards against outstanding
~Diwali 2x/5x spends based offers
~Few 5%/10% random offers during the year
~One time fees 3500 option available, lucky ones receive it for free
HSBC Visa Platinum
~Lifetime Free
~Saturday BMS 1-1 free
~Cleartrip cashback offers
@nofpd i have recently got my hands on the dual variant of IndusInd Iconia (Thanks to @DealSeeker & @A2Zdeals) so you can ask me related questions in PM
I’m opening an account with indus bank can you kindly guide me as to how to get this dual variant of the card and what are associated fees and yearly fees.
@nofpd Simply click is the best online shopping friend for rewards. you are already owning this card. i think next best will be Amex rewards if you are ok with Renewal Fee.
Since you mostly seem concerned about the renewal fees, let me simply point out that out of the ones you have mentioned, the following cards are totally fee-free (apply card-on-card basis if you have already completed at least one year with your first credit card):
- HSBC VISA Platinum
- Kotak Royale Signature Credit Card
- YES First Preferred Credit Card
IndusInd also doesn’t have annual fees, but they do charge a one-time/joining fee. Many fee options are there depending on the welcome benefits and even those options vary based on the card level (Iconia, Signature Legend, etc.). AFAIK, they will NOT waive off the joining fee (exceptions might be there, especially for their premium savings/current account holders).
Posting a pblm tat I faced , which I posted in another thread.
“Plz anyone point out the cards doesn’t need the Card Holder to be in eligible cities.”
Eg: I wanted to apply for HSBC Credit card. In site my city is not listed so I couldn’tapply. I given cityas some other got call from HSBC but said I am not eligible as I am notin listed cities.
Then I went to HSBC bank in another city they said I have to be staying in tat city.
I have ICICI SCB SBI credit cards… Any Cards which can be got on Card to Card basis in which living / working City doesn’t matter.
Every time you take a new Credit Card, there is a temporary negative impact on your CIBIL score. So be moderate in your actions.
I am having 13 banks card.if I am applying they are always approving it. So don’t know if it really impact CIBIL score so much
Sorry for offtopic question , does SCB have a referral scheme ? If yes will ask my brother to refer me else will apply via BankBazaar
AFAIK , banks dont have referral schemes.
anything from ICICI ?
@DealSeeker @A2Zdeals
I have their Jet Sapphiro (Amex+Visa) cards currently. But some people also like their category specific program for the lower-fee Rubyx Amex as well.
I hold the following cards:
Diners black, hsbc, citi rewards and platinum, Indian oil, sbi simply click, indusind, Amex, standard chartered, yes first preferred, axis bank
My personal choice for credit card would be,
Diners is a must have card(got around 2.5 lac points till now) – all my flights are usually free because of this
SBI simply click – amazing card with fees of course(rotate wallet money)
Amex – good for periodic spends offer
Yes first – rotate wallet money using this card and lounge access
Indian oil – for fuel purchases
Rbl rejected my card application else even rbl is also a good card to have
I have a query that I consider as important and actually not that difficult to ascertain: We may have multiple cards and use them based on opportunity or billing date. However, which 1-2 cards are your PRIMARY/ DOMINANT cards in terms of maximum spend of the pie in the past few 1-2 years…and WHY? 
I am sure this ‘actual usage or behaviour’ based data could give us a good clue on which cards are best..in addition to regular ranking or feature description based approach to credit card evaluation… That can also help or guide some of us to consolidate or realign our portfolio of card collection of our multiple cards or reorganize our spends to attain highest bang for the buck, say over next 1 year period overall… 
Requesting inputs or opinions based on your experience…Expert or Otherwise..:) 
Look at the list of my top 3 cards with the knowledge that “emotional comfort” as well as available credit limit (so as to optimize the credit utilization ratio) have also played some role into this spend pattern. All three cards had annual spends in double digits (lacs).
- IndusInd Iconia Amex
- Citibank Premier Miles
- HDFC Diners Club Black
@rpal
Everyone have different goal ,different needs ,different approach ,different attitude when coming to discuss credit cards.
I use cards for
Due date management
Availing Offers
Cost effectiveness (merchant specific)
Convenience
.
So my usage pattern is based on various factors
I use cards with convenient approach to avail best offers keeping their due dates in mind & taking care of merchant ~ rewards ratio.
So just one card isn’t my favorite
So NOTE my favorites 
Need based
Offer based
Time based
Ease based
Hmm… There are two ways of analyzing or giving opinions (and both are useful in their own way): Anecdotal (depends more on subjectivity of one or few experiences) and Data based (goes more by objective data/figures and resulting statistics based analysis).
You have apparently weighed more on first approach, which is fair enough and useful… However, advantage of analyzing actual figures or data (e.g. Top 2 cards by last 1 yr actual spending % of pie) is that it happens to be more objective, and less susceptible to interpretations or even inherent embedded biases… 🤔
Just some thoughts…Appreciate your inputs-and fast!! 
@rpal
There are several threads where we have discussed at length & drilled down
One of those
https://www.desidime.com/forums/freebies-all-fr...
May be little outdated but had many details
True-100 odd comments and less than a yr ago…🤔
Will go thru…
I have 825 cbil score is it gud.wht is the average cbil one has to maintain
Anything over 750 is good
Alone credit score does not hold cards, there are various factors & even lower scores also may not pose much problem.
There is no single best credit card, bro! One needs to get and use different credit cards for different purposes in order to get the best value.
@A2Zdeals tried to say the same in a post above. It all depends on your rewards/cashback and feature requirements.
am just trying to apply for a sbi click card via bankbazaar, but it seems am not eligible..
is it like only eligible persons can apply for a credit card???
‘who is bankbazaar to decide on the eligibility?’ 
Apply directly from SBI Cards website or through an agent/bank.
IndusInd has Huge joining fees and no Annual Fees for its Credit Cards as per its webpage link…
https://www.indusind.com/content/dam/indusind/P...
Does anyone confirm this who Owns IndusInd Credit card ??
Joining fees is compensated with equal value voucher of few retail stores
Only tax (18%) one has to bear as one time joining fees
Higher the charges better & more options you get
I opted for 3500 no voucher for that lack of options & nothing I liked out of given options
Tempted between Yes Bank & IndusInd cards …. what to choose 
Though, I would personally like to go for an AMEX version card ( miss all Amex offers due as existing cards are Visa or master)… though YesBank offering complete LTF cards , that too on Card-to-Card basis
question on IndusInd Amex card… will it work for all Amex offers? any downside for online usage …
No it won’t work for all Amex Specific Offers. It’ll work only on Card Offers on Amazon/Flipkart etc
http://www.amazon.in/gp/feature.html?ie=UTF8&do...
This Old Amex – Amazon offer mentions that it is applicable for AMEX logo bearing cards:
-————— An American Express Cardmember (“Cardmember”) for the purpose of this offer means a person holding a Card, issued either by American Express or a third party bearing the name or trademark or service mark or logo of American Express (“Card”). -——————
Things change a lot in three years.
how to rotate money using credit cards and get extra reward points as far as many ppl are doing?i got 4 CC (AMEX+HDFC diners club international+Citi bank fuel card+Indus Ind signature)……Pm me to use them effectively pls
Rotate
&
Earn
I have a query. I got Amex card on fee basis last year. If the salary cross >12L this year, will they waive annual charges?
NOT on basis of salary now.
.
Sorry… Posted in wrong thread. Now unable to delete .
or ICONIA AMEX IndusInd Card-on-Card basis, on contacting my IndusInd branch , i was told of Two Options with this card :
1. 10k Annual Fees with Welcome Voucher worth 10k (Pataloons, UCB, Bata etc)
or
2. 5k Annual Fees with Wecome Voucher worth 5k of Satya Paul
That’s it… No other option provided.
Someone had mentioned of 3500 Charges with no Vouchers option as well
you have toaster at home??
Grill them…you will get it 
@sifar @A2Zdeals Went to Bank, for IndusInd Iconia
They are offering Iconia for one time fee, no annual fee
10k (Pataloons, UCB, Bata etc)
They are also offering Signature Legend, for 25K Jet voucher, one time fee no annual fee
Too much investment for Signature Legend, will go for Iconia only
Next I will go to Yes bank
Need an Info-
Will IndusInd guys accept cc application with out having Local proof?
P.S:Need to apply in Bangalore
cc: @DealSeeker
@A2Zdeals
@A2Zdeals @hiteshparmar.007104 @DealSeeker
AMEX MRCC vs Gold
which one to choose
getting both
update: HSBC Visa Platinum applied
Amex Gold. if u r getting both LTF, take both.
P.S — IndusInd bank nearest to me just refuses to allow it at 3500 Joining Fee (without Vouchers) or Free LTF ….. no matter how much Valued customer you are etc
Life Time Free Card if ur salary is 12LPA and More https://www.desidime.com/forums/hot-deals-onlin...
LTF is very good
only thing lacking is no referral rewards
![Sample @ ₹1 - Anti Dandruff Shampoo 15ml [User Specific]](https://cdn0.desidime.com/topics/photos/1790288/medium/2024-05-14180032-BuyFixdermaKairfollAntiDandruffShampooforOilySensitiveScalpPronetoDa.jpg?1715690137)
![Zomato X Free Starbucks Coffee [User Specific]](https://cdn3.desidime.com/topics/photos/1790304/medium/Screenshot2023-10-08155555.png?1715693151)
What are benefit you finds for HDFC VISA Platinum ?