Ranking the BEST and WORST CREDIT CARDS of 2024

In this video, we explore the best credit cards available, discussing their features, benefits, and potential drawbacks. I am joined by ‪@dugarniraj‬ a credit card enthusiast, and together we rank various credit cards from best to worst. Whether you're a beginner or a seasoned user, we'll help you find a card that suits your needs.
We discuss how using the right credit card can unlock perks like free flights, hotel stays, and even gifts. From the SBI Cashback Card, which is great for beginners with substantial online spending, to premium options like the Axis Atlas Card for high-income earners, this video covers it all. Neeraj shares insights on card eligibility, cashback structures, reward points, and tips on maximizing your return on investment (ROI) with credit cards.
You'll also learn the pros and cons of cards like the ICICI Amazon Pay Card, Tata Neu, and the once highly rewarding Axis Magnus Card, which recently underwent some devaluation. If you're looking to leverage credit cards for travel, business expenses, or daily shopping, this video has the guidance you need.
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GEARS BEHIND THE VIDEO:
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🕹️Tripod: bit.ly/DigiTek...
MY TOP 5 FAV BOOKS 📚
Ride of a Lifetime: bit.ly/rideofa...
The Millionaire Fastlane: bit.ly/TheMill...
Zurich Axioms: bit.ly/ZurichA...
Masters of Scale: bit.ly/mastero...
Just Keep Buying: bit.ly/justkee...
#fixyourfinance #personalfinance #moneymanagement
Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.
Music licensed by Epidemic Music

[@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?

[@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.

[@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

[@abhisen3801]

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

[@anshumanfinance]

Done,thanks for the review

[@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

[@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.

[@acntforyt9803]

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

[@davidgera1042]

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😊.

[@JacknJill2245]

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

[@sreeshadk2607]

What about american express?

[@ssayyahh]

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

[@sumilmehta]

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

[@ashishbhat365]

Diner my favourite

[@JaskaranSingh-vv1zo]

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

[@toushikbanik8452]

honest review

[@ArjunLahiri]

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

[@vickyjain8181]

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

[@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.

[@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....

[@bhaskardas7948]

One of the most unexpected collabs ❤

[@ArpitBajaj1]

Guys anshuman bhi bik gaya😢

[@anshumanfinance]

Kaise bika? Isme koi sponsor nahi tha

[@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?

[@ramchandrapattnaik3142]

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

[@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

[@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

[@prakazhkumar7441]

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

[@KPS_04]

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

[@nikhil23911]

Hi Anshuman, recently my credit card lender has now offered me to increase my credit card limit. where it is equal to my annual compensation. ie Available credit = to total yearly earnings. should i consider encreasing the limit, I read that high available credit might create issue by some lenders for home and car loans in the future.

[@TadkaGaming]

No, increasing limit will not create issue. instead it will help because your spending usage in terms of percentage will be less.

[@rajeevmahawar7097]

biz black mein 3x h for vouchers pls correct it

[@Karan-vq5vg]

What about hdfc millenja card?

[@pugoppdodo9682]

end me milega

[@akashshrivastava1677]

I remember my friend with 35 k salary had 2 lakh limit credit card 😅😅😅

[@souravpaul101]

Do it for life and health insurance as well

[@anshumanfinance]

Coming soon

[@techietips2484]

no amex bruv?

[@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.

[@mainakchakraborty5894]

sbi cashback card limit nhi deta hai

[@ankitkhandelwalStarkAk]

Hdfc looklike sponcer videos, dont buy SBI cashback card. Too many terms & conditions

[@RameshwarSoni-d9g]

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

[@anshumanfinance]

We will cover it next time

[@ShubhamKumar-re4zv]

Overacting ke 150 kato

[@shantanuchiplunkar3715]

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

[@soofiankhatri2746]

Axis ace and hdfc milennia

[@keval_yt]

Thumbnail mein pixel play card top pe tha. Esi cheap clickbaiy strategy mat karo

[@gamebred1253]

No icici? Is ICICI bank cards that bad ?

[@anshumanfinance]

Amazon Pay

[@HonestReviewers]

Except HDFC every bank gave me cards. Idk what’s HdFC’s problem

[@AbhishekKumar-de1un]

wo baba jamane me jee rha h

[@anshumanfinance]

They are quite strict with their loan approval

[@chethanshetty5394]

Best rupay credit card?

[@sumilmehta]

Same question

[@santoshbhanushali5956]

Sponsored video 😂

[@anshumanfinance]

NO

[@Drimran4u]

disgusting,you are promoting credit card.

[@anshumanfinance]

I am just telling you how to use it for the highest rewards

[@bharadwajsingaluri7228]

What about scapia card?