BEST CREDIT CARDS of 2024 (For EVERY Income)

[@juljul123]

From watching best Pokemons to best credit cards. Well that's how lifes goes

[@Madara-vy5fl]

Hahaha I feel ya

[@MARKCRASTO]

Charizard. Hands down!

[@MrSatz99]

​@@MARKCRASTO Yes broo!!

[@Insomniac402]

​@@MARKCRASTO You are not well aware of the current competitive scene in Pokemon. As of Last World championship Flutter Mane, Calyrex and Ogrepon are on the top. In fact Charizard was never that good since it takes 4 times damage from rock type moves

[@subhraneelacharjee2616]

Team Charizard 🔥

[@acntforyt9803]

Swiggy HDFC Card, Airtel Axis card, PVR Kotak card are underrated but more value for money cards

[@azhanurrahman3699]

Airtel Axis is must have, i expected that to be in the video...Perfect for Middle Class i would say.

[@AbdulAzeez_9]

So true dude

[@vishwajeetraj11]

Pvr kotak sucks

[@vi__pul]

Keeping 1 credit card for each category payments is always beneficial Example 1. Utility Bills & Recharges => Airtel Axis Bank CC => 10% to 25% cashback 2. Online Food/ Grocery Ordering => HDFC Swiggy CC => Flat 10% cashback Even Airtel Axis Bank CC given 10% cashback on food ordering but both cards have capping on monthly cashback. So I have kept both for specific category payments only.

[@charanpreetsingh1902]

along with flipcart axis bank , amazon pay credit card, I've plan card for kotact and HDFC

[@Cjhere9]

I was about to put this Card I'm using it since 2yrs and bro I have saved a lot through it. Best of best.. and in this video they are actually discussing business people cards

[@HatedStar-gb4xs]

All Kotak cards are bad​@@charanpreetsingh1902

[@drmayanksinha]

10-25% on utility bills? Really?

[@HatedStar-gb4xs]

@@drmayanksinha That 10 to 25% is capoed at Rs. 250 per month. 25% for Airtel bills like Mobile prepaid postpaid, wifi 10% for Other bills like Electricity, Water, etx

[@abhisen3801]

make a best salary account rankings as well for people starting their careers as well :)

[@anshumanfinance]

Done,thanks for the review

[@sumit_mestry]

Never open ICICI bank account for salry account, they'll make your life hell by 5-6 daily sales calls

[@arun37625]

​@@sumit_mestryi think sbi is best followed by HDFC as salary account.

[@R.K.3010]

@@sumit_mestry That's because they want to complete their targets. just block their numbers. interms of tech way better than hdfc

[@luckymishra3084]

Amazon pay ICICI is the the king of middle class I think becomes this card is simple and gives direct Amazon pay which is very usefull and simple ❤

[@anonymous-pe9ds]

Oar khud ki sale pe discount nahi milta sbi pe milta hai.

[@dk-._.-]

Should be on gold

[@shravyaboggarapu5877]

And you can pay electricity bills and utility bills through Amazon 😅

[@SatyakiMandal35]

But approve ho nahi hota mera application

[@sharmasiddeshwar8022]

Amazon Pay Is Lub ❤️

[@realavdhut]

I first checked if it was sponsored or not.. Thanks for making an unfiltered video. edit: please add that google doc link of sbi vendors

[@akashsharma1134]

Sponsored by HDFC

[@cbazxy2697]

Sarcasm? Do you any other cards for that tier or did you assume it's sponsor simply because it was on platinum tier?

[@Mrhiest292]

Sponsered nahi ha bhai bachre ke pas mere jaisa hdfc ka share ha 😢😢.... Bas kosis mar rahe ha ham log ki Thora to bhar jai 🤡

[@atulrawat5161]

DdddŴjk⅕qq Q1qssqkjjǰznjduudjrkrorkrlrlkrj_#__⁶__6666__6;-?#^₹djud

[@anshumanfinance]

I would have mentioned if it was a paid promotion!

[@toushikbanik8452]

@@akashsharma1134 nop all info was correct.

[@gyanendramaurya1796]

If your salary is less than 50k and you buy things often. Don't ever take credit card, it will destroy you, the benefits which you get is nothing infront of what the consequence will be.

[@vkm9156]

Personal experience?

[@noneedofname]

That's what he said in the video.

[@kakashisenpai99]

If you use it wisely without taking emis, then credit cards are a blessing!

[@sharanadvaith7998]

I've been using CC since I was 19 and my stipend was back then 10k. I've noted nothing but merits of using CC, as i used it in a very disciplined manner. Before crossing 21, my credit score now is 750

[@stuffpedia8592]

​@@sharanadvaith7998 mere pas b 19 ki age se card h ab mera score 779 h iss week shyd 790 cross kregaa shise use kro bs

[@kakashisenpai99]

I love hdfc millennia, sbi cashback ,Tata neu infinity rupay and airtel cashback credit card. Must have for everyone. Holding 24 credit cards and making the best use of them😁

[@roninr8199]

Tata rupay infinity is useless now. I got it for upi and it doesn't work now

[@abhibhalla92]

Hdfc millenia is not good now very less reward points and they revoked lounge program

[@SurendraYadav-gp1go]

@@roninr8199 I am planning to get infinity ?what is the issue ?

[@JMalikZ]

What is your credit score? 😭

[@roninr8199]

@@abhibhalla92 almost all cards revoked lounge useage. Regalia we have to spend 1 lakh to use lounge 😂😂

[@prateekmodified]

For someone who is teaching people to save money and invest wisely, I really don't think credit card is the best product for people who don't manage their spending spree.

[@anshumanfinance]

If you have the discipline to spend wisely, credit cards can be a great way to earn rewards on your purchases.

[@Sahil-bn5zq]

if you are a deadbeat,credit cards are amazing

[@prateekmodified]

Intentions are good, I get what you are doing, but we need to also know that an average Joe is not disciplined in this crazy consumption driven world.

[@roninr8199]

You get 45 days of credit card bill payment time. Even if you keep that amount in savings bank you get minimum 3% from past 17 years I have been using only credit card and never touched my amount, cash or ever used debit card

[@vickyjain8181]

how come no, amex cards were discussed?, i use the amex gold and i swear by it

[@davidgera10]

Guys, Can you let me know in comment, How many of you earning atleast 5 to 10 lakh per Month 😂😂??? To be very frank brother, The category will be based on every persons individual income. For Person earning below 1 lakh per month - SBI Cashback, Airtel Axis Bank, Hdfc Swiggy and Amazon pay ICICI will be in Platinum Category. You could have mentioned Categorizing best credit cards for person income above 2 lakh per month😊.

[@Nooneakt]

14LPA ki salary, Credit Score 800+, number of credit cards -1 Ab is category ke liye koi aisa card batao, 1- jispe quarterly 2 lounge access. 2- No annual fee. 3- No minimum spending limit. 4- If possible no joining fee. 5- reward points thik thak ho aur 6- Reward point budget hotels, domestic flights (Economy class), IRCTC in sabme redeem ho paye.

[@sumilmehta]

Great video. He forgot diners black card, many people get it life time free, almost same benefit as infinia

[@ashishbhat365]

Diner my favourite

[@ganeshkumar282]

Could you please tell the process how to apply for this CC?

[@pratiksarangi]

It is not being given as LTF now.. very soon they will increase the eligibility so it will become rare

[@ranjithsukumaran4033]

Credit card is like a powerful weapon.. If used wisely, or if its used by a wise man, then its raining benefits.. Well, if ita in the hands of a wrong person, then its an eventual catastrophe..

[@GoetheCronshaw]

I really love your taste and style always so chic. My faves would be the kislux leather backpack and the Swarovski pave diamond ring so gorg. Thank you for your recommendations.

[@arnold_john]

To get good amount of reward points you need to spend plenty of money from your card, monthly. That affects your credit utilisation ratio, which affects credit score. What am I missing here?

[@shraddhamanishajunnare3364]

Much much neeeded video! Thanks Anshuman for sharing this info with us! You are a financial gem brother💎

[@sumeethbk]

There should have been a card suggestion for each MCC including major categories like fuel spends, insurance payment, access to airport lounges etc

[@kumarsingh7529]

if someone is wealthy enough to spend 20 lakhs ...... why would he worry about Rs 5000 voucher.

[@msroy_07]

Because as Indian we would not miss out even on a penny, if it is FREE

[@guharup]

How do you think one becomes wealthy enough to spend 20 lakhs annually? By having the mindset to worry about a 5000 rupee voucher. Not by being profligate about money

[@hitendrat1097]

@@msroy_07: not as an indian , i believe nobody should leave a single penny

[@vaibhavsingh1322]

Hi Anshuman, I have been following ur videos for a very long time. Great content, really like ur fix your finance series. Since, u have made a video that's apart from your conventional work, I would request you to make a video on rent payments via credit cards and to get the maximum benefits out of it. I feel there is no good video on KZbin which answers this question. Eagerly waiting for this video 😊

[@hiteshmakhija3778]

Disliked the conversation. You should have been the only one person Anshuman to explain this benefits and should have recommended atleast credit cards for common salaried employees not for big ahots

[@aj5180]

Amex platinum travel should have made the cut.

[@azhanurrahman3699]

Axis Airtel is Must have, jahaan kharchaa hona hi hai ye usme hi benefits deta hai, I'm more than overwhelmed using it.

[@mahipdeva3543]

Atlas does not offer 5 edge miles per 100 rs on 3rd party travel apps! Please correct = only on axis travel edge and official websites

[@SamBahadurManekshaw]

I would rank HDFC Millenia (the one missing here and deserves a place) along with SBI Cashback at Gold spot.

[@skmillionaire333]

Aankh band karke ye video sunoge to aisa lagega wo spam callers are trying to sell you a credit card 😶‍🌫️😁🤣 Just kidding idk why sbi and federal bank always reject my application for the card i have 12 cards 🐣😶‍🌫️

[@ayushpingle0702]

You forgot the Scapia (federal), which give unlimited lounge on the spend of 10,000 rs in a billing cycle.

[@jasonglenmenezes]

By the way I use infinia, I have unlimited lounge access at no spends

[@skmillionaire333]

😢😢😢 they rejected me 😂 i have 12 cc and cibil of 785

[@fullstack_journey]

They have stopped onboarding new customers

[@skmillionaire333]

@@fullstack_journey 😭😭 bro , even sbi cashback cc rejected

[@thetechnicalguide261]

Scapia isn't currently issuing cards😅

[@saadjhetam3859]

Which are the best perfumes of Arabian Oud brand? Can you suggest a few best ones apart from Bussma as I already have it. Need some other variety of Arabian Oud brand perfume

[@bhaskardas7948]

One of the most unexpected collabs ❤

[@abhishek8243]

Wait Neeraj didn't talk about any AMEX Card in this episode ? I actually went for Tata Neu Infinity card after watching this episode as it was Rupay also. Rewatching this again and surprised he didn't spoke about AMEX card

[@saurabhsharma359]

Typically, closing old credit cards can lower your CIBIL score. However, if my credit card is about to expire and I choose not to renew or close it, will my credit score still drop? Thank you 🙏

[@mananagarwal7002]

HDFC Diners Black is also pretty similar to Infinia and is much easier to get

[@sandeepkhatwani4879]

Are you allowed to have an infinia and hdfc biz black in the same PAN card ?

[@ssayyahh]

Always take credit card based on your usage. Never blindly follow anyone.

[@JacknJill2245]

Ye banda toh wint wealth ki video mein aaya tha kuch din pehle isi topic ke liye

[@bhaskarbharadwaj7376]

For me tata neu infinity is platinum, gave neu coins on insurance, jwellery and utility.

[@rochie4874]

Hey Anshuman, if we're having term insurance payments, which card would be helpful for cashback/rewards?

[@shasheen97]

For HDFC infinia card invite needs to be from existing customer??? How get the invite?

[@guharup]

Hdfc will invite you. Or you can bug your rm if you have one

[@SohailS10]

How to get a credit card approved...i get rejected everywhere because i am self employed and my earning is still growing....i have 2 fd credit cards and i have a 781 credit score woth those 2... but now if i apply for unsecured approve nahi hota

[@rules654]

apply at financial year end, they are desperate to complete quotas, I had the same situation, stop applying, and then at year end, when you see a lifetime free card apply on it, also depends upon your income TBH

[@rs_sandhu]

Exactly same, I even make over 1 lakh per month but getting rejected have small fd card for over a year, now ended up doing 1 lakh fd to get card last week

[@TadkaGaming]

damn, i am so lucky, i made fd card of 1lakh limit at age 18 and got unsecured card with 25k in hdfc just after 6month, i am turning 20 this month and i have icici coral with 60k limit + hdfc 25k card....

[@SoumikSarker]

Amex Smart Earn + platinum travel + gold charge ka combo discuss hi nai kiya

[@being.eclectic_eclecticist]

Please tell me the best card for utility (electricity bill actually) bol payment? SBI Cashback doesn't provide rewards for utility bill payment.

[@TruthSeeker10250]

Axis Airtel baap of utilities

[@iajaybharadwaj]

Is there a reason the Rupay Cards were not included? Or do these come in the Rupay as well?

[@SatyamKumar-bz7wx]

Me using flipkart axis and being happy 🙂

[@adrian_barreto]

Can i convert SBI Rupay Simple Save Credit Card to Sbi CashBack credit Card.

[@toushikbanik8452]

honest review

[@RajveerSingh-vf7pr]

For biz black, Can't a salaried person pay advance tax? (salary is about 30LPA)

[@guharup]

Its paid by employer through tds. If you have non salaried income then you can pay advance tax only on that.

[@ArjunLahiri]

Why people dont talk about swiggy hdfc CC? Seems many people have no idea about it...

[@RulesofSuccess2510]

With 75k inhand salary and 785 cibil still not rejected for SBi cashback.

[@prakazhkumar7441]

Best feature of Magnus I used was free BMS tickets, sadly downgraded now.

[@sreeshadk2607]

What about american express?

[@secretsorcerer]

is video ke dekhke pta chala ki mai to kharcha hi nhi karta to credit lekar kya hi karunga

[@souravpaul101]

Do it for life and health insurance as well

[@anshumanfinance]

Coming soon

[@fnln5541]

Using HDDC Millennia Credit Card. But don't know benifit yet. I have almost 3 lakhs limit. But always use debit card.

[@JaskaranSingh-vv1zo]

What about 1. ICICI Ruby master card and Amex cards? 2. ICICI Coral cards

[@maulikshah279]

Axis had good cards but their devaluation is really disappointing😢

[@santoshraicabs]

Am Not Getting any offer like Limit increase or Upgrade card from last 2 Yrs by Icici- 8Lacs, Sbi- 7Lacs, Kotak- 12Lacs, Axis- 9Lacs- Sent multiple Mails to Banks, 790 Cibil score, Card usage- 50%- i have closed many banks card due to no offers from last 10 Yrs- Hdfc, Rbl, Indusind, Axis, Bob, idfc, Au bank, Yesbank & Amex

[@karuOP]

Hdfc infinia is free and invited to all IIM Students.

[@shantanuchiplunkar3715]

I have only 1 out of these many cards, and I am second to comment... 😂

[@aayushchawla7736]

Not comprehensive, should have included the amex range of cards, diners black from HDFC which is not an invite only. Also the Vistara cards? ( Although not being issued anymore, it needed a mention)

[@LifeNFood]

Amex platinum Travel credit card nhi baat kiye Niraj bhai ne

[@vanshambashta8882]

Review on AmEx cards please!

[@techietips2484]

no amex bruv?

[@subhraneelacharjee2616]

Just watch the video at 1.75x and focus on Anshuman 😂 have fun

[@Akash_B777]

Forget about discipline. Our brain is programmed in such a way that even the most discipline person also spend little bit more hear and there which exceeds the total rewards earned from the card. And forget about undisciplined people... Credit Cards are the root cause of their financial problems💳💳💳

[@pravar1sidana]

7:23 he is talking about travel edge it is not 10x (was only 15-20days limited time offer in 2021)it was 5x and still the same but the value of point is decreased

[@AftabKhann-yt]

What is the best credit card for Utility Bill payment without any Cashback Caping Currently using Ace Credit card with monthly 500 Cashback Caping

[@pradyumnakadapa5665]

“Close to my heart” who says that to a credit card ??

[@guharup]

Someone who got biz class round trip tkts free on singapore airlines?

[@manjunathkatare364]

You forgot Standard chartereds cards who started credit card in india

[@reshmanair-qe4it]

are there any credit cards for housewives

[@siddhantthapar1356]

Fd based credit cards are a good option. Eg- onecard, niyo global cards etc

[@adityask277]

Should we cancel the credit cards we dont like anymore or let it remain??

[@lavichawla1917]

If they are LTF......DONT CLOSE

[@vsv.dharmesh]

Centurion® Card from American Express diteld video banao ❤

[@Inkedpassports]

Amazing content with the right flow. I'm trying to get Infinia from an year now with multiple contacts with my RM. Its not happening.. Although, i may not be eligible as i have 30-35 LPA. They were offering ULIPs which i was not interested in. My RM told to wait for some more months. Not sure what's gonna happen. Now, there are 2 questions which i wanted to ask 1) I've AMEX plat travel card . Should i opt for Axis Atlas? I do travel 2months once outside india. 2) I recently got HDFC Swiggy LTF card. I'm inclined towards buying tata neu infinity card. All i'm getting is FYF and not LTF. If i try applying via hdfc online portal, it gives me an error "we can't proceed as we recently issued an card". is it worth buying tata neu infinity card? Note: I've amazon icici pay, flipkart axis and SBI simply click cards. Thanks in advance

[@dhruvdani]

Why wasn't amex discussed? Niraj often speaks a lot about amex

[@sumeha5272]

Amex works on very few merchants. MDR charges are very high for Amex, painful for merchants

[@HemanthKumar-pr4qg]

​@@sumeha5272 I have an Amex and if you live in a metro, acceptability rate is pretty ok. I mainly use my card online and for that, don't think I'll get better value with any other card. Plus the overall experience, including card design, app experience and customer support is insanely good. Would highly recommend an Amex card if you have good income levels.

[@user-dh6fx1ve9j]

Sponsored by HDFC🥰

[@dhruvdani]

@@sumeha5272 it's not such a big issue anymore. In a city like mumbai almost everyone takes it

[@ramchandrapattnaik3142]

Bro make a video on best credit card for entry level salaried people, salary range between 15-25k.

[@royal_Akash_]

Hii bro

[@royal_Akash_]

Mai aap ko help kar sakte hu

[@KPS_04]

What about ICICI Saphhiro? Part of 'Gold' club?

[@techjanakya5286]

If you have money in bank to buy the things you need then only buy from credit card... otherwise dont take a credit card.

[@RameshwarSoni-d9g]

Important cards like HSBC, SCB, IDFC, Airtel axis all missing

[@anshumanfinance]

We will cover it next time

[@dhakkad_chora]

For such videos pls add the timestamps

[@rishabhprasad641]

what about diners black credit card

[@rajeevmahawar7097]

biz black mein 3x h for vouchers pls correct it

[@prasenjitshukla6957]

Bhai bolne de neeraj ko, itna utawla kyun ho raha. Poora feedback sunne hi nhi de Raha. You need to be serious for credit review.

[@Karan-vq5vg]

What about hdfc millenja card?

[@pugoppdodo9682]

end me milega

[@harryp3804]

Potty hai

[@nikmish1]

Isn't amazon card better that tata one there is no monthly fee and cash is also 5% why tata one also not is basis category?

[@saboteur43]

Don’t use credit cards. Credit card companies are not idiots to give these benefits. If you are getting something think about how much you are goving

[@Sahil-bn5zq]

be a deadbeat. And youll beat them. spend only that which you are capable to pay off in the end.

[@mayanktolani7608]

You should know how to smartly use credit cards.

[@SayanMavrick]

Just use for no cost emi options and things which can be bought within your CTC

[@pushparora4221]

SBI Cashback card: Wrong information as it is valid for all merchant codes except some codes

[@reshmanair-qe4it]

can you give ideas about genuine work from home for housewives who hv had work experience long time back.

[@loknathdas5152]

ICICI MMTC Signature

[@keyurkariya4600]

How about HDFC Regalia Gold ?

[@nitinmomaya]

Could have picked Axis Ace Credit Card

[@tanmayanand5192]

Ye toh bana diya aapne Raheeson ke liye kuch middle class ke liye bhi jara

[@saxenavedant61]

platinum category cards ke liye to eligible hi nahi hu 😂 life cashback cards par chal raha hai

[@sldshinigami2869]

Amazon ICICI is God tier .. chahe kya hi bol lo

[@tarunjain4102]

What about amex??

[@sdahmed-vu7vq]

I am receving cash back of less than 50 rs even i spend online shopping for 10000 on SBI cash back. Not sure why? You guys sayys in 5,% on all online spends. Can you provide mechant list and how to get 5%

[@hrithiklalwani5125]

It should be utility bills. Its on all merchants , just some of them sre exceptions

[@Supermama17274]

You loose your hair when you use credit card too much.. The guest is an example of this 😂😂

[@rahul2820]

bro I have 17 cards, am 26 nd has full grown hair 😂😂, Its just how you use this that's what matter

[@dishanttyagi4055]

Bhai sbi cashback card kab ka band ho chuka hai

[@santoshkumar-qx2pi]

why not Amex?

[@sudhanshuaggarwal1]

CC Ranking without AmEx Platinum Travel Card is not a well researched video. Plus Biz Black which is only for business owners and Diners Black which is invite only, not sure what audience is being catered to here.

[@guharup]

Diners black is not invite only. Infinia is invite only

[@abeythomas29]

No amex?