Best Credit Cards 2024 for me | Best Credit Cards in India which I use

Best Credit Cards in India 2024 or Best Credit Cards 2024 videos are available on KZbin. But every person has different need and different spending pattern. So, best Credit Cards for every person might be different.
In this video, I will share the best credit cards for me as per my spending pattern, why and how I use these credit cards and why I have chosen this credit cards. You will get to know the benefits of some of the best credit cards in India. You will also learn how you can manage multiple credit cards and maximise valueback or cashback on credit cards without complicating life.
Watch this video to know more.
👉Link to Apply Axis Atlas Card: bit.ly/3vuEax7
👉Link to Apply HDFC Credit Card (Tata Neu Infinity Credit Card First Year Free, Millennia, Regalia, Diners, Tata Neu etc.): Get First Year Free or Lifetime Free basis Profile 👉 bit.ly/3TM4IUK
👉Link to Apply IDFC Credit Cards Lifetime Free: bit.ly/3KtjgD9
👉ICICI Bank: ICICI Platinum Credit Card LIFETIME FREE: Link to Apply bit.ly/49hguuo
👉Kotak Mahindra Bank: Kotak League Rupay Credit Card LIFETIME FREE: Link to Apply bit.ly/408gKbZ
👉Standard Chartered Bank: Standard Chartered Platinum Rewards Credit Card LIFETIME FREE: Link to Apply bit.ly/48NHK4J
👉HSBC Platinum LIFETIME FREE Credit Card: Link to Apply bit.ly/48Xv6j7
👉AU Small Finance Bank: AU LIT / Alturo / Alturo Plus Credit Card LIFETIME FREE: Link to Apply bit.ly/3vpB6lU
👉IndusInd Bank: IndusInd Tiger, Legend, Aura or Platinum Card Lifetime Free: Link to Apply bit.ly/3RwEoMW
👉Federal Bank: Federal Scapia Credit Card Lifetime Free: Link to Apply bit.ly/3uaj0Uk
-----
🌐 Checkout SpendWisely's micro-site and see all ongoing credit card offers at one place:
bit.ly/m/spendwiselyofficial
-----
Connect with SpendWisely on⤵️
➡️ TELEGRAM: SpendWisely Credit Cards Channel
t.me/spendwiselyofficial
➡️ TELEGRAM: SpendWisely Shopping Deals Channel
t.me/spendwiselydeals
➡️ X (Formerly known as Twitter): SpendWisely Twitter Handle
/ spendwiselytwt
➡️ INSTAGRAM: SpendWisely on Instagram
/ spendwiselyofficial
📸 SUBSCRIBE TO SPEND WISELY:) on KZbin
/ @spendwiselyofficial
-----
📺 WATCH THESE VIDEOS KNOW MORE ABOUT LATEST Updates and Offers on CREDIT CARDS:
👉🏽 Best Lifetime Free Credit Cards 2024 | Best Credit Cards 2024
• Best Lifetime Free Cre...
👉🏽Best Rupay Credit Card for UPI Payment
• Best Rupay Credit Card...
👉🏽 Lifetime Free Credit Card | IndusInd Tiger Credit Card | IndusInd Lifetime Free Credit Card
• Lifetime Free Credit C...
----
If you like the content of this channel, please subscribe it. It helps the content reaching more people😊.
-----
#creditcard #creditcards #spendwisely #deal #deals #personalfinance #spendwisely #cashback

[@daraj9609]

Was waiting for such videos... Gr8 information 🙏 thank you

[@SpendWiselyOfficial]

Welcome 🙏

[@daraj9609]

Hay can you please make a video on all credit cards that you have and why you hold them...

[@daraj9609]

I use axis airtel for utilities it's a great card to have... I use this card for Zomato and Swiggy as well for 10% cashback I have not upgraded by LTF DCB to FYF Infinia as I won't be meeting fee waiver criteria...

[@dr.architghangurde8182]

@@daraj9609second that axis Airtel cobranded cc is a great option …even I am using it

[@ajkumar9180]

Sir do you still use amex platinum travel card or axis atlas is your default card?

[@kunalbhayana]

Very valuable information in the video. Subscribing for more content like this. Sir, can I use Diners Club Black instead of Infinia as i don't have infinia? Is that good?

[@alterdanish]

Do we still get cashback on paying cc bills via hdfc platinum debit card.

[@kunjalpadia8827]

Sir woh chart mei koi issue toh nai? Qki less than 3 lac k spend mei sab mei 10% and baki 3+ lac spend mei kum valueback dikhra hai

[@krishnaavinash1284]

Any ltf card for buying Amazon gift card and getting max benefit in terms of cashback

[@user-yo9iu1gr4y]

Sir 16% value back if redeemed through only for hotels and flight Some time i feel effective cashback in form of cashback is very less :(

[@sidharthpradhan7602]

Please make a comparison video between atlas, infinia and au lit credit card

[@benificenceto6925]

mere tata neu me upi payment ke bde transaction nhi ho rhe hai, me krta hu to 24 घण्टे tak block kr dete h, merchant ne rupay card se payment enable kr rkha hai fir bhi

[@arthas7]

Very good research. Agree with analysis

[@SpendWiselyOfficial]

Thanks

[@dhawalshah1570]

very very informative video.. very easily understandable..amex cards also give substantial returns if used strategically. I remember you have also shared videos amex cards...I got the reference from these videos itself .Keep up the good work bro !!!!!!!

[@SpendWiselyOfficial]

Thanks 😊

[@mirajahmed2768]

Sir, my CIBIL score is 785 and Experian score is 841, but I don't have any credit card and ITR. I want a new credit card. Which one should I apply for to avoid rejection?

[@pradyumnasahu8559]

Great content 👌

[@SpendWiselyOfficial]

Thank you 🙏

[@sunandhsubramaniam3620]

Is icici sapphiro better than standard Emeralde? Also whats your view on SBI prime and Elite. Both upgrades available. Please confirm on the same. Also is Axis Select good if we dont want to upgrade to Atlas?

[@SpendWiselyOfficial]

Both these ICICI cards and SBI cards do not justify their fee. If you are getting it lifetime free, then you can upgrade. Axis Select is ok card, if u don’t want Atlas.

[@BhaveshAgarwal]

For amazon shopping and amazon pay, should I use icici amazon card or hdfc diners club black (I don't have infinia). I don't have any spendings on hotel or flights and feel that smart buy value back is primarily useful for flights and hotel only.

[@SpendWiselyOfficial]

If you don’t travel, then use ICICI Amazon Pay card

[@BhaveshAgarwal]

@@SpendWiselyOfficial thanks !! Can you also let me know if diners club black has same valueback as infinia, I have never used smartbuy, hence asking

[@romilgarg7472]

If you don't use smartbuy, then both are same. Main difference is in 3x vs 5x reward point on smartbuy.

[@chandrika2014]

Great video Sir. Gives a lot of useful information. Thank you for making such videos. Can you please suggest if I should go for Axis Atlas, primarily for insurance, utilities payment and occasional flight and Hotel bookings(Domestic only) ? I currently have SBI Cashback card and HDFC Regalia Gold.

[@SpendWiselyOfficial]

Yes, definitely. It will be very useful for your kind of spend.

[@chandrika2014]

@@SpendWiselyOfficial Thanks Sir. My Flight and Hotel spends are very occasional. maybe twice a year. Will Axis Atlas still be a good buy or do you suggest any other card as my main spends are on UPI, Zomato, Online purchases and sometimes retail offline purchases.

[@rupenbhavsar]

Also suggest best super premium or any credit card for wallet laod in paytm or other platforms? pls answer

[@SpendWiselyOfficial]

Most of super premium cards have stopped giving any reward on wallet load. Here are few mid-range cards. Standard chartered Smart Card (first year free, 590 fre thereafter) gives 2% real cashback on wallet load. Here is the link: bit.ly/3ZXfEzR Another option is HDFC Millennia which gives 1% Cashback. bit.ly/3TM4IUK

[@SUMANT_SINHA_26]

How can HDFC customer care make the card lifetime free without any reason on call?

[@Tejahr]

No more AMEX ?

[@dushyantsingh4549]

Sir HDFC millennia credit card se amazon gift card smartbuy se buy karke lic insurance payment ho sakti hai kya ? Halanki mene koshish ki thi amazon gift buy karne ki but uske terms and condition me mention hai ki hum usko insurance payment ke against me use nahi kar sakte hai. please confirm whether it is correct or not.

[@SpendWiselyOfficial]

I pay all my insurance premiums using Amazon Pay balance

[@subhayu09]

Neu card QR code scan benefit keya koi bhi upi app se scan karne se milega?

[@SpendWiselyOfficial]

Ha

[@krishnaavinash1284]

Tata neu has lot of issues for insurance, it's not accepting even for Rs30000 tata AIA insurance as well Please make a detailed video on this tata neu limitations

[@avinashranjan6172]

Can you please suggest Credit card (with zero or low rental) which still offers domestic lounge access after the recent devaluation ??

[@SpendWiselyOfficial]

Standard Chartered EaseMyTrip Card. 👉card link: bit.ly/3SeXE1O The above card has just Rs.350+GST fee but provides Priority Pass for both primary and add-on card with total 2 international lounge access. And 4 Domestic Lounge access without any spend conditions.

[@iamhks]

Surprised to see no AMEX cards

[@leocool62]

Great video. Thanks. But, no fuel card in the list?

[@SpendWiselyOfficial]

I use Atlas for fuel as it gives both annual milestone points and renewal benefits on fuel

[@Cardtech2.0]

Citi Indian oil

[@neudev5624]

I've hdfc regalia gold, icici rubyx and bob premiere cards, all life time free. Is there any card better than regalia gold which is also offered life time free? Also, axis bank is giving me life time free axis atlas but i'm asking them for axis magnus. Should I take axis atlas or be rigid on my axis magnus life time free demand? What should be minimum expenditure to recover hdfc infinia yearly fee? Please respond to my queries. Thanks.

[@SpendWiselyOfficial]

Currently, its extremely difficult to get Magnus LTF. They are being very adamant. Start ur journey with Atlas.

[@omkarpednekar6474]

I hav pre-approved axis atlas but I don't travel regularly should I get it or leave it

[@SpendWiselyOfficial]

Don’t take if you don’t travel

[@omkarpednekar6474]

@@SpendWiselyOfficial twice a year i travel

[@Garg360]

thanks

[@SpendWiselyOfficial]

Welcome

[@nikhil99a]

Sir, i have on question. Why do you use airtel axis for utility payment..you get only 10% CB. And Infinia gives more than 13% CB via Amazon pay?

[@cred_entho]

10% adjusted as real cash while 13% is reward not cash

[@SpendWiselyOfficial]

Real Cashback is much better than points. I would prefer rewards over real cash when its at least 40%-50% more than real cash.

[@adnanp3130]

​@@SpendWiselyOfficialagar me ek month me utility bill me gas booking 1 se jyada karta hu to mujhe sabhi gas booking pe 10% milenge? Ya sirf ek hi booking pe milega?plz clear it

[@rohitsah3754]

Sir i want to apply IDFC first wealth card but my ITR is only 5L. I have basics and mid range CC with highest limit of 1.8L. Is there any trick to apply?

[@dharmenderbiotech]

The easiest way to get IDFC wealth is if you already have a card with limit around 5 lakhs.

[@dr.architghangurde8182]

Any tips and tricks for getting hdfc card approved?? I am a self employed dentist and have cards from icici, amazon pay, sbi prime, Amex mrcc, and some more but hdfc is proving to be difficult to get approved!!

[@vaqarshaikh5583]

In fact hdfc is the 1st 1 to provide cards to dentists ,it will show pre approved against your account wen you are eligible,or start a current account with them

[@COLLDEUDE]

Which is the best card for insurance payments?

[@subhayu09]

I got great benefit by Insurance payment through AU Lit card.

[@kumarrahul696]

Sir Idfc first bank ka FD 5000 wala card lene ke bad without FD card milega ya FD wala card ke bad koi card offer nahi hoga please Help me 🙏🙏🙏🙏

[@stefan4926]

Bhai maine wow fd wala card use kiya 4-5 months fir close kar diya...fir 5-6 months baad waaps apply wale portal gya ab...idfc millenia mila hai

[@kumarrahul696]

@@stefan4926 FD bala card 5 month use karne ke baad close kiye uske 6 months bad mila total 11 month bad mila aapko.

[@Sabirsa70]

Imfinia hdfc ka Amazon; Flipkart...sab me 17% milega??

[@SpendWiselyOfficial]

Ha 16.67%

[@rajneeshgusain4808]

why not amex

[@Ashok_DOT]

Is your infinia LTF?

[@SpendWiselyOfficial]

No

[@DoGoodBeGood9]

Sir, No mention of American express MRCC and Amex travel. useful it seems the whole X community is talking about these cards.

[@SpendWiselyOfficial]

I have all 3 Amex cards. But MRCC and Gold cards do not beat Atlas and Infinia. And for Platinum travel, minimum 4 lac spend is required to get good reward rate. At 4 lacs spend, Atlas is better. And Atlas is on Visa network, so no acceptance issue.

[@sabyasachigupta1296]

​@SpendWiselyOfficial How come it does not beat Atlas infinia? For 6K general (non-accelarated category) spend, we get 1120 MR points, which can easily translate to 560 rupees in travel.

[@anubhavagrawal7899]

Nothing beats amex travel card for 4 Lacs spend

[@amitabhmaheshwari]

Platinum Travel is good but in MRCC there are too many conditions. Monthly milestones, number of transactions in a month, minimum value of transactions, etc. in plat travel one can even spend ₹ 4 lakhs in one go and get all benefits

[@ek_virus]

Video is 50% of infinia 😆. Cashback of infinia os useful incase of Flight hotel booking right ? And in cash it has drastically downgraded.

[@SpendWiselyOfficial]

All premium credit cards are for flight and hotel booking only and are useful for people who travel. Regarding downgrade, no other card can beat Infinia in SmartBuy categories even after the downgrade.

[@human9329]

fees payment ka rewards ke liye best card boliye sir... 😢

[@SpendWiselyOfficial]

Standard chartered smart credit card. Its gives 2% real cashback on everything including education and card is first year free 👉bit.ly/3S3mLEr

[@NeuroBox-qj6mm]

how did you get 2 HDFC cards? My RM said it's not possible.

[@SpendWiselyOfficial]

All these RMs are good for nothing. HDFC is issuing second credit card for more than 1 year now. You can get one regular HDFC card and one co-branded card (like Tata Neu)

[@tileshwarsahu7884]

I have also 3 HDFC bank credit card

[@Tejahr]

These RMs are good for issuing useless insurance policy, FD where they get more profit

[@rounak308]

Sir,How much you spend in a month.

[@SpendWiselyOfficial]

80-90k on an average

[@surrealsoupuniverse]

Sir you are very rich, mere jaise gareeb ko infinia toh kabhi nahi milega haha

[@sureshtimepass1436]

How to make millinea credit life time free please make video sir...

[@SimarpreetSinghsimu]

Bannd krvane ki dhamki dede bhai easily ho jayega entry level card hah

[@Cardtech2.0]

Right SBI mai Esa Hota hai Simply click free kia esa krke😅

[@Garg360]

10000 miles on joining where .. here shows 5000 joining bonus while paying 5000+gst

[@SpendWiselyOfficial]

You get 5000 EdgeMiles against joining fee of Axis Atlas. You can transfer these EdgeMiles to 19 Airmiles and hotel programs at 1:2 rate. Thus, you get 10,000 Airmiles. Its very easy to get Rs.10,000 value for Rs.10,000 airmiles. In fact, if you transfer 5000 EdgeMiles to Accor hotels, you get 10,000 Accor points which are equivalent to Rs.18,000.

[@ggnasu]

Sir, Links are not working.

[@SpendWiselyOfficial]

Which card ?

[@ggnasu]

Axis Atlas Card and HDFC Credit Card.

[@sangmachhabra2761]

Hdfc card is not good

[@SpendWiselyOfficial]

Why ? Which card is better than HDFC Infinia in terms of valueback for flight/hotel redemption?

[@sangmachhabra2761]

Axis vistara or sbi vistara or au lit card

[@sateeshmgmc1418]

Hdfc is no 1 card

[@JP_Kumar]

Isme se airtel axis credit card h 😂😂 baki sab toh nhi mil sakte😂😂😊

[@SpendWiselyOfficial]

😊

[@goldie2030]

Hi Sir, I have sent you an email.kindly revert with your valuable feedback and suggestions