Some good credit card(s) you guys use? Looking for different cards with good cashback options.

My spend is almost 100% online (pre-covid as well)

Groceries and essentials - Big basket
Food - mostly Zomato sometimes swiggy
Everything else - Amazon prime

Any suggestions?

likehelpful
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Diners black is an amazing one but there is no waiver of annual charges now but still worth if you are a high spender.

like

Best cashback is strangely offered by the most basic cards in India. Amazon Pay ICICI is a free card offering 5% cashback on all Amazon transactions for Prime members, 1% on all other transactions. Flipkart Axis Card is a cheap card that offers 5% on Flipkart/Myntra, 1.5% on all transactions. Paytm First is in the same range.

like

Amazon ICICI card is what triggered the search today. I have a Citi PremierMiles but that doesn't have as great returns. Definitely going ahead with this one

Hdfc Infinia.. very good if you travel outside of India often for work

like

https://www.cardexpert.in/best-credit-cards-in-india-with-reviews-2020/

like

For most of my needs, I use a combination of Amex MRCC and ICICI Amazon Pay CC.

With MRCC, you get plenty of offers throughout the year by Amex (which are actually useful, BTW), and their point accrual is great (just spending Rs. 1000 four times a month will give you additional 1000 points, including adding money to your digital wallets). I won't talk about acceptance here, since it is pretty much accepted everywhere online. Spending 1.5L in a year will also waive off your fee for that year. The excellent customer service from Amex makes it an even better value.

For shopping on Amazon (and Amazon's partner merchants), or anywhere else where Amex is not accepted, I use ICICI Amazon Pay CC. It's a LTF card, and you get unlimited 5% rewards (as a Prime member, that I assume you are) on spends on Amazon. How cool is that!

I have a couple more credit cards in my pocket for travel, leisure/dining and fuel, but that does not seem to be the intent of this question.

Feel free to DM me if you would like to know more. Also, if interested in Amex, you can get it for free for the first year, with Rs. 1500 annual fees subsequently, through a referral! 😉

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Hdfc Regalia and Amex Rewards are good. Also. While amex rewards is free , relgalia has 2500 annual fee , waived off when your spend is 3lkhs in a year.

like

Cred sounds good, but it's more of an addition to your credit card

SBI SimplyClick best for online shopping needs. There are always 10% discounts on Flipkart/amazon in every alternate major Sales.. 20days interest free grave period to pay after Statement generation...500Rs annual fee; but I was able to redeem 1000rs amazon voucher with rewards points already...

10% of spend is given as RewardPoints for select 6 partners - flipkart,amazon,book my show,bigbasket,etc

5% on every other online payments

1% on pos transactions

2000Reward Points = 500Rs Amazon Voucher

You can use this referal we both get a little cash reward ;-)


Hi, I'm inviting you to explore the benefits of SBI Credit Card. Use my referral code 2N2TDhcqYPQ & be rewarded on your spends. Apply now: https://www.sbicard.com/invite/2N2TDhcqYPQ

Not that bad. After lots of thinking between Amazon pay icici bank cc and this.... Given how different sites I use... This was better for my usage and ... As I said those alternative flat 2000off/3000off is worth for me.

You can also consider HDFC Regalia/Regalia First. Great choice if you are looking for an all-rounder credit card.

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