@@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
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.
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
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.
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
@@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
@@azhanurrahman3699 that's must have if you have 2 people at home using Airtel SIM. you can use solely for that purpose and indirectly waive off 500 joining/reneval fee.
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
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😊.
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?
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.
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
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.
Package 14 lakh ka hai aur Bete ko sab kuch free mai chahiye. I would pay ₹.1500 max for a credit card a year if it could bring me benefits worth ₹.10k annually. Kanjoos mat bano itna kama kar
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😁
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.
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
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
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
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....
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..
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 🙏
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 TH-cam which answers this question. Eagerly waiting for this video 😊
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
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
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
@@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.
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💳💳💳
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 🐣😶🌫️
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
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
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)
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%
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.
I don't know you people are putting sbi cash in gold and i dont see ACe credit card ace is far better than sbi cashback in annu fee and rewards if you calculate cashbacks
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.
Useless video, didn’t talk about cards good for travelling. All the cards they talked about seemed to have complicated reward systems (eg the hdfc infinia card you have to go to a specific platform to spent the points where the prices of everything is jacked up)
![What Credit Cards You Should Have by INCOME? [Detailed Review]](http://i.ytimg.com/vi/RsQFUJGXeHQ/mqdefault.jpg)
![What Credit Cards You Should Have by INCOME? [Detailed Review]](/img/tr.png)
From watching best Pokemons to best credit cards. Well that's how lifes goes
Hahaha I feel ya
Charizard. Hands down!
@@MARKCRASTO Yes broo!!
@@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
Team Charizard 🔥
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.
Personal experience?
That's what he said in the video.
If you use it wisely without taking emis, then credit cards are a blessing!
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
@@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
Sponsored by HDFC
Sarcasm? Do you any other cards for that tier or did you assume it's sponsor simply because it was on platinum tier?
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 🤡
DdddŴjk⅕qq
Q1qssqkjjǰznjduudjrkrorkrlrlkrj_#__⁶__6666__6;-?#^₹djud
I would have mentioned if it was a paid promotion!
@@akashsharma1134 nop all info was correct.
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.
along with flipcart axis bank , amazon pay credit card, I've plan card for kotact and HDFC
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
All Kotak cards are bad@@charanpreetsingh1902
10-25% on utility bills? Really?
@@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
Swiggy HDFC Card, Airtel Axis card, PVR Kotak card are underrated but more value for money cards
Airtel Axis is must have, i expected that to be in the video...Perfect for Middle Class i would say.
So true dude
Pvr kotak sucks
@@azhanurrahman3699 that's must have if you have 2 people at home using Airtel SIM. you can use solely for that purpose and indirectly waive off 500 joining/reneval fee.
make a best salary account rankings as well for people starting their careers as well :)
Done,thanks for the review
Never open ICICI bank account for salry account, they'll make your life hell by 5-6 daily sales calls
@@sumit_mestryi think sbi is best followed by HDFC as salary account.
@@sumit_mestry That's because they want to complete their targets. just block their numbers. interms of tech way better than hdfc
@@sumit_mestryall the banks do the same. I had ICICI salary for 10 yrs. But never had any issue.
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 ❤
Oar khud ki sale pe discount nahi milta sbi pe milta hai.
Should be on gold
And you can pay electricity bills and utility bills through Amazon 😅
But approve ho nahi hota mera application
Amazon Pay Is Lub ❤️
if someone is wealthy enough to spend 20 lakhs ...... why would he worry about Rs 5000 voucher.
Because as Indian we would not miss out even on a penny, if it is FREE
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
@@msroy_07: not as an indian , i believe nobody should leave a single penny
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😊.
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
how come no, amex cards were discussed?, i use the amex gold and i swear by it
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?
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.
If you have the discipline to spend wisely, credit cards can be a great way to earn rewards on your purchases.
if you are a deadbeat,credit cards are amazing
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.
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
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.
Package 14 lakh ka hai aur Bete ko sab kuch free mai chahiye. I would pay ₹.1500 max for a credit card a year if it could bring me benefits worth ₹.10k annually. Kanjoos mat bano itna kama kar
AmEx Platinum Traveller
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
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😁
Tata rupay infinity is useless now. I got it for upi and it doesn't work now
Hdfc millenia is not good now very less reward points and they revoked lounge program
@@roninr8199 I am planning to get infinity ?what is the issue ?
What is your credit score? 😭
@@abhibhalla92 almost all cards revoked lounge useage. Regalia we have to spend 1 lakh to use lounge 😂😂
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.
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
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
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
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....
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..
Amex platinum travel should have made the cut.
Much much neeeded video! Thanks Anshuman for sharing this info with us! You are a financial gem brother💎
Such an amazing philosophy you said !
personally amazon pay icici card is the best even for the students who earning very less.....
There should have been a card suggestion for each MCC including major categories like fuel spends, insurance payment, access to airport lounges etc
Just watch the video at 1.75x and focus on Anshuman 😂 have fun
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 🙏
Great video. He forgot diners black card, many people get it life time free, almost same benefit as infinia
Diner my favourite
Could you please tell the process how to apply for this CC?
It is not being given as LTF now.. very soon they will increase the eligibility so it will become rare
You guys where going to pin a link to the merchant list for cash back right ? Where is it ?
No mention of AmEx?
You forgot the Scapia (federal), which give unlimited lounge on the spend of 10,000 rs in a billing cycle.
By the way I use infinia, I have unlimited lounge access at no spends
😢😢😢 they rejected me 😂 i have 12 cc and cibil of 785
They have stopped onboarding new customers
@@fullstack_journey 😭😭 bro , even sbi cashback cc rejected
Scapia isn't currently issuing cards😅
Please tell me the best card for utility (electricity bill actually) bol payment? SBI Cashback doesn't provide rewards for utility bill payment.
Axis Airtel baap of utilities
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 TH-cam which answers this question.
Eagerly waiting for this video 😊
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
small and common ppl are not eligible for cashback cards, High Networths are only invited.. for common ppl,only co branded cards available.
For HDFC infinia card invite needs to be from existing customer??? How get the invite?
Hdfc will invite you. Or you can bug your rm if you have one
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
Amex Smart Earn + platinum travel + gold charge ka combo discuss hi nai kiya
SBI Cashback card: Wrong information as it is valid for all merchant codes except some codes
For biz black, Can't a salaried person pay advance tax?
(salary is about 30LPA)
Its paid by employer through tds. If you have non salaried income then you can pay advance tax only on that.
Are you allowed to have an infinia and hdfc biz black in the same PAN card ?
Axis Airtel is Must have, jahaan kharchaa hona hi hai ye usme hi benefits deta hai, I'm more than overwhelmed using it.
Always take credit card based on your usage. Never blindly follow anyone.
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
I would rank HDFC Millenia (the one missing here and deserves a place) along with SBI Cashback at Gold spot.
Hey Anshuman, if we're having term insurance payments, which card would be helpful for cashback/rewards?
Why wasn't amex discussed? Niraj often speaks a lot about amex
Amex works on very few merchants. MDR charges are very high for Amex, painful for merchants
@@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.
Sponsored by HDFC🥰
@@sumeha5272 it's not such a big issue anymore. In a city like mumbai almost everyone takes it
What about american express?
Amazon Pay ICICI is the only card one needs for a beginner
Is there a reason the Rupay Cards were not included? Or do these come in the Rupay as well?
Why people dont talk about swiggy hdfc CC? Seems many people have no idea about it...
You loose your hair when you use credit card too much.. The guest is an example of this 😂😂
bro I have 17 cards, am 26 nd has full grown hair 😂😂, Its just how you use this that's what matter
Do it for life and health insurance as well
Coming soon
Whats the best fuel card ?
is video ke dekhke pta chala ki mai to kharcha hi nhi karta to credit lekar kya hi karunga
Me using flipkart axis and being happy 🙂
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💳💳💳
Can i convert SBI Rupay Simple Save Credit Card to Sbi CashBack credit Card.
With 75k inhand salary and 785 cibil still not rejected for SBi cashback.
You forgot Standard chartereds cards who started credit card in india
One of the most unexpected collabs ❤
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 🐣😶🌫️
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
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
HDFC Diners Black is also pretty similar to Infinia and is much easier to get
You didnt cover any fuel card
are there any credit cards for housewives
Fd based credit cards are a good option. Eg- onecard, niyo global cards etc
What is the best credit card for Utility Bill payment without any Cashback Caping
Currently using Ace Credit card with monthly 500 Cashback Caping
honest review
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)
Amex platinum Travel credit card nhi baat kiye Niraj bhai ne
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?
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%
It should be utility bills. Its on all merchants , just some of them sre exceptions
Centurion® Card from American Express diteld video banao ❤
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.
No, increasing limit will not create issue. instead it will help because your spending usage in terms of percentage will be less.
Using HDDC Millennia Credit Card. But don't know benifit yet. I have almost 3 lakhs limit. But always use debit card.
Hdfc infinia is free and invited to all IIM Students.
Should we cancel the credit cards we dont like anymore or let it remain??
If they are LTF......DONT CLOSE
no amex bruv?
What about hdfc millenja card?
end me milega
Potty hai
If you have money in bank to buy the things you need then only buy from credit card... otherwise dont take a credit card.
What about
1. ICICI Ruby master card and Amex cards?
2. ICICI Coral cards
“Close to my heart” who says that to a credit card ??
Someone who got biz class round trip tkts free on singapore airlines?
I don't know you people are putting sbi cash in gold and i dont see ACe credit card ace is far better than sbi cashback in annu fee and rewards if you calculate cashbacks
What about ICICI Saphhiro? Part of 'Gold' club?
For me tata neu infinity is platinum, gave neu coins on insurance, jwellery and utility.
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.
Diners black is not invite only. Infinia is invite only
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
be a deadbeat. And youll beat them. spend only that which you are capable to pay off in the end.
You should know how to smartly use credit cards.
Just use for no cost emi options and things which can be bought within your CTC
Review on AmEx cards please!
Useless video, didn’t talk about cards good for travelling. All the cards they talked about seemed to have complicated reward systems (eg the hdfc infinia card you have to go to a specific platform to spent the points where the prices of everything is jacked up)
Axis had good cards but their devaluation is really disappointing😢
what about diners black credit card
Best feature of Magnus I used was free BMS tickets, sadly downgraded now.
Ye banda toh wint wealth ki video mein aaya tha kuch din pehle isi topic ke liye
biz black mein 3x h for vouchers pls correct it
Important cards like HSBC, SCB, IDFC, Airtel axis all missing
We will cover it next time
is this guy related to stand-up comedian Anirban?
jitne ki savings nhi hogi utne ki to joining and renewal fee lag jati h cc pe
Agar koi tata neu credit card see tata safari buy kare too 😅 ??
Free African safari reward. Ek raath lion ke saath
For such videos pls add the timestamps
Who the hell spends 20lakhs per year
Certainly not you 😂 But there are a lot of ppl who do... More than you think
Main ja rha hai bhai
Galti se amiro ke feed me aa gya 😂😂😂