1. SBI Card Cashback (by SBI Card)
Why it stands out: This card offers 5 % cashback on all online purchases (with a certain cap) — great if your spend is mostly digital.
Good for you: If you do a lot of online shopping, e-commerce spends and want a simple cashback structure.
Check: Annual/joining fee, cap on cashback, other category exclusions.
2. American Express Platinum Travel Card
Best travel rewards card (mid-premium)
- Milestone rewards + Taj vouchers
- 8 lounge visits/year
- High reward potential if you spend ₹4L+ annually
3. HDFC Infinia Credit Card (by HDFC Bank)
Why it stands out: Top-tier card for high spenders — unlimited lounge access, higher reward rates, elite privileges.
Good for you: If you have very high monthly/annual spends and want premium perks.
Check: Very high annual fee, must evaluate if perks outweigh cost given your usage.
4. Scapia Credit Card – Best for Travel
- Lifetime free (no joining/annual fee)
- Zero forex markup → huge for international travel
- 10% rewards on spends + 20% on travel bookings
- Unlimited lounge access (with ₹20K monthly spend)
- Works with UPI via RuPay card (extra 5% rewards)
5. Kotak Credit Card – Best for Fuel Savings
Why people take it:
- Fuel surcharge waiver at IndianOil pumps
- Cashback/points on fuel spends
- Good for daily commuters
Reality check:
- Rewards limited mainly to fuel
- Not useful for travel, shopping, or lifestyle
- Has annual fee (usually waived on usage)
👉 My take:
Only worth it if you spend heavily on petrol every month.
Nithin Sai-(Serial Entrepreneur)
Mobile: +91-9656210077
