Which credit card is actually good?
I have Amazon pay ICICI, it started off well, I made all payments thru Amazon pay and good cash back but now while making payments on 3P apps, you can only use Amazon pay UPI
The other card I have has is Kotak Indigo and it’s shit
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Amazon Pay ICICI - if you shop on groceries or other items on Amazon
American Express Travel Card - Taj vouchers on spends, good reward points system and great customer service
Axis Vistara - Free tickets on spends, cashbacks
Citibank PremierMiles - used to be good, but you are better off taking Amex cards
Flipkart Axis Credit card is better any Amazon one since you get cashback directly to your card and 1.5 percent on non flipkart payments
Amazon card is somewhat similar
you get 4 lounge access in a year with flipkart axis cc but 0 with Amazon pay ICICI
IDFC First Select. Especially if you spend online + more than 20k/month.
What do you like the most about that card?
Accelerated rewards structure for spends above 20k, and points structure for online spends. Plus, less interest rate (almost half compared to other credit cards).
It's a combination of your salary levels, spending patterns and what you value in terms of reward (direct cashback, reward points, travel, discount) apart from lifestyle benefits like Airport lounge access etc
The usual stuff, not looking for golf courses access. All cards finally boil down to an average of 3% cash equivalent rewards / cash back. The use case for Amazon pay card was infinite, not anymore
I think it matters based on your spending habits. For example I keep multiple cc for different purposes. For online shopping - Amazon pay ICICI. For food - Zomato Edition. For fuel and travel -HDFC Regalia. For general spends - IDFC wealth. Notable mention - For international travels instead of a forex card I use Niyo Global. Much better rates.
Amex travel platinum gives me 14k Flipkart voucher and 10k Taj voucher if 4l spend threshold is met.
But acceptability is not good. Even in some online portals it's not accepted at times.
I was going to close it out, but then talked to their membership fees team and they gave me an offer of revoking 5k membership fees if I spend 30k in next 3 months.
Sounds good enough.
Next to this, Flipkart Axis cc is good. It gives min 1.5% cashback unlike all other cards where it is anything between 0.3 - 1% max. And other benefits are 4 times lounge access in a year and 5% cashback on Flipkart, 4% on swiggy, Myntra etc.