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India’s Most Rewarding Credit Cards in 2023
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- เผยแพร่เมื่อ 12 ส.ค. 2024
- Are you still using a debit card for all your purchases? Well, it's time to switch to a credit card!
Not only are credit cards safer and more secure, but they also offer multiple benefits and rewards that you won't get with a debit card.
We'll be breaking down the different types of credit card rewards, from cashback to travel points, and showing you how you can earn more of them with your everyday purchases. Plus, we'll be sharing insider tips and tricks on how to get the most out of your credit card rewards program.
But it's not just about earning rewards - we'll also share tips on how to make the most of your credit card, from selecting the right one for your lifestyle to utilizing special promotions and deals.
➡️ Find the Best Credit Card & Stockbroker - select.finology.in/
00:00 - Introduction
01:53 - How do I use my credit card
05:22 - Maximize your credit card rewards
09:25 - Get cheap airline tickets with this trick
10:29 - Why credit cards are better than debit cards
13:18 - Why do credit cards give you rewards?
14:30 - Never miss any payments with this feature
15:19 - Find the best credit card for you here!-
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2️⃣ Investonomy by Pranjal Kamra - amzn.to/3BLeviA
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Credit cards are not meant for 80% of people. There are always some catches. Credit cards are the most marketed product by banks.
If you check every bank's revenue, you will see more than 60% of revenue is collected by credit card interest, annual fee, penalties, etc.
You can talk to hundreds of crorepatis in India but no one will say they became crorepati by collecting credit card reward points but you will meet many people who will say credit card debts have destroyed them.
If you use a credit card, you are always trying to cross those reward milestones by overspending.
It's too much hassle to get a few thousand from credit card rewards and if anyone thinks 1-2k will change their lives then they have more significant money problems.
Well said.
Credit card use is nearly as bad as taking a loan .. especially when you have the money...to buy stuff whose resale value is zero the moment it's in your hands... infinite depreciation.
Stay within limits...and concentrate on making money.and buys appreciating assets..not spending on depreciating junk
You are too conventional for credit cards
Those people who can leverage it can get most value back from credit cards
@@DisciplinedTrader27 buddy, I said 80%, if you belong to those 20%, then great.
@@dannycbe949 kind sir please tell me how to actually make money other than a 9-5 jon
credit cards are meant for 90% ppl
Don't take so much headache for points conversion, simply take SBI Cashback or axis ace card and live a peaceful life.
Live not Leave.
@@prabaldutta😂😂
Bhai ek spelling se puri sentence ki maar li tumne 😂
Vaise i agree with u. Ye sab points mujhe samajh nai ata. To mai actual cashback jidhar milta h woh cards use krta hu. In that case amazon pay icici and axis ace fits in my priority.
@@mango2654 Auto correct tha bhai mobile se 😀
This is good but at the micro level. I rather would focus my time on getting more income or building passive income streams, i.e, the macro level.
Absolutely Right 👍..
I use SBI cashback card, it has 5% flat cashback on all online purchases. *All* online purchases, all websites, all apps. it has limit of 10000 max cashback per month, thats like 2,00,000 purchases every month, so basically it's an unlimited cashback card.
No other card even comes close to the reward rate with this much convenience
edit: so apparently cashback has been reduced to 5000 per month, that's still 1lac purchases, which is plenty enough. and cashback has been removed from certain purchase, so yes, in 6 months this card's benefits have decreased, so take this for what it's worth
Now sbi cashback credit card has downgraded
@@WamikGaming But still cashback of Rs 5000 per month is more than enough. But it has stopped cashbacks on gold, utilities, insurance, govt institutions etc. It has also stopped lounge access.
@@pallabbiswas2726 6 mahine me itna downgrade kar diya
next 1 year me or downgrade kar dega 😅😅😅😅😅😅😅
@@yatishhande6084 sbi card ka discount amazon flipkart par
is card par nahi milta kya 🤔🤔🤔🤔🤔🤔
I think it's still 10k.
Itni chindigiri me time waste krne se acha apni income increase pe dhyan de koi to bhala hoga
Well said😂
दो ना, इसने मना किया है क्या वीडियो में 😂 5:20
Bhai knowledge sab cheezo ki honi chahiye
As I belongs to middle class there is no use of Hotels and traveling. No use of lounge access. Also this whole process is complex. Cashback credit cards are worthy for me.
Same here
I use SBI Octane for fuel. You get 6.25% rewards for purchasing from BP pumps. You can easily redeem rewards at the same pump.
Cradit card se fule payment karne se koi extra charges lagta he ?
Sub charges lagta hai
@@smitbaldha8778 Nahi. Agar full payment on time kiya to koi charges nahi lagta
@@Banzybanz fuel payment me kiss type se charge lagta he
@@smitbaldha8778 Normally 1% surcharge hota hai. But special offers hote hai kuch cards pe, unme charges refund ho jaate hai.
And payment poora nahi kiya to 3.5% monthly interest lagta hai.
skip this video..save your time
I am carrying 5 credit cards- To suit my lifestyle rewards related to movies, flights and luxury hotels. I was carrying low reward credit cards and spent on them so that i became eligible for high reward cards like Axis Vistara Infinity, Axis Magnus, Amex Travel Platinum. Now,
I am closing all low reward credit cards.
bro can u make a payment of one credit card from ur another credit card😅
I am using FLIPKART AXIS Credit card and it is an amazing card.
It's not smartly using a credit card. It's overusing it. If you are earning more and spending more, only then a credit card like this can help you. If you are earning less or earning more and want to save more money, this is not gonna help you much. You are better off with a debit card. In fact your spending habit increases if you have a credit card, so your saving habit goes away.
Many debit cards also give points and lounge access... Why that was not compared???
SBI Credit card deducts Reward Points from my accumulated balance at any time without informing me. When I reach out to them, SBI card states that I have used my card on a transaction with a discount/offer and hence they deducted the Reward Points earned. No list of such transactions or how much reward points they have deducted, is shared with me.
WU9N4963
Here you check it's a amazing place
Totally paid promotion 🎉
Nobody paid him for promoting his own site 😅
In CC, the risk is more than the rewards, which is not good for anyone.. Only way to equalise them is improving your financial knowledge and management skills. If u miss one payment, due to lack of management, u can lose 1 or 2 year worth of rewards..
Hence, the financial discipline....
just set up an automated payment system, or don't spend more than what you have.
Please make a video on different types of credit card charges, deductions and insurance plans for card. Most of the people doesn't understand the charges. And at last ,pay higher amount instead their spend.
Contact kra best offer
What's the meaning of transferring the points? A normal regular person won't visit marriot or won't travel much via air .. makes no sense for most of the people
Itna chindi chori karke Mariott matt hee jaa bhai, ek chai manga lega to sara reward point chala jayega,, 200 Rs ka! :P video banana hota hai to kuch bhi bolte hain log.
Tum 200 point ko use karne ke liye 500 baar khologe mariott ka website kab reedem karna hai, aur jana bhi nahi fir bhi jaaoge bina ocassion. Itna time waste karke ye sab karne se accha hai skill seekh lo, aur ye chindi chori se niklo, 1 lac kharch karoge to chindi chori se 5000 Rs milega, iss se better hai kuch productive kar lo..jyada paisa mil jayega
In bhai ko to ni bol ra, inke paas to duniya bhar ka paisa hai. Jo log dekh ke ye sab karne baithenge unko bol ra
Aur Jin logo ki Marriott Jane ki aukat hoti he wo sirf paise banae me interest rakte na ki esi chote mote rewards se...
Useless video.
Why book an expensive hotel to just get higher points ? I book 1000-2000Rs hotels only. And I save more by doing this then pushing things around to save 10% of 5000 = 500. Still paid 2500Rs more.
As regards to keep the "autopay method on" on credit card payment, my bank warned me to NOT keep it on, as it may create confusion, mistakenly bank may charge if autopay is on, etc. etc. I don't know if they misguided me by saying this.
always make it on..
bank employees are lazy in doing works so they ignore and make people pay for missing payment
Autopay is the worst experience what i have done in the past. it makes a kind of headache use cred to pay your bill from day of generation and pay the total amount till 4 days remained for bill due date. You will get rewarded and also improve your cibil. Dont ever go for auto pay. The credit card company will take extra chaeges about 556 rupees for not maintaining same account balance in your saving account
Marketing ka trika to koi inse sikhe😂😂😂❤❤❤
Couldn't believe this is the same Pranjal which we used to see earlier ☹️
Axis Magnus is much better than reserve card in terms of rewards
After getting credit card my credit score is declining....used minimum and paid all due before time or at the time of transaction itself..what to do
CORRECTION magnus gives u 12 point per 200 spend but reserve gives u 15 points per 200 spend. 4:18
Please make a video or short on how to use credit card through UPI and which cards are allowing to use this facility as i the current time
As of now only Rupay credit cards supports UPI.
Union Bank of India rupay credit card is allowing to make payments through upi... for current accounts...I am using it since last 2 months...
Namaste sir 🙏
Sir mere cloth ki shop hai or Mera SBI bank me account hai or muje ek business ke liye credit card Lena hai to me konsi bank ka credit card lu..
You should've mentioned impact on credit score by all these tricks
Credit bureau doesn't care for these tricks. They care about mainly 2 things:
1. Whether you are paying your bills or defaulting?
2. How much credit you are taking compared to your credit limit?
Pay in full every month and take less than 30% of your max credit limit at any time.
@@Banzybanz That's Right
No impact.
Lekin agar credit card me auto mode on hai, aur uske bad koi fraud hota hai credit card me to kya us auto mode ka use karke credit card company apna paisa hamare saving account se le legi???????
Sir, please make a video on the difference between SIP and Step Up SIP
Not showing the options in card comparison on the basis of income & add benefits.
Very clickbaity title, just plugged his website. Only told abt card which 0.1% India will take. Regarding card fees as well, didn't tell anything on negotiation for them or how to get lifetime free. I can certainly say this video didn't increase my knowledge
I have two AMEX cards and I make the most in terms of rewards. No other card comes closer.
MRCC and??
I have Amex SmartEarn.
Bhai mrcc ki 1 reward point ki value 25p h.aur fees 4500 per annum kya fayda
@@mohdsadiq2009 with just 1.5 lac spend in a year you can get it for free. Check if you are eligible.
@@thesatpreet I know sir .i hv same mrcc.indus Ind reward points are much better.50p without any conditions.also lifetime free.sir amex is a status symbol.blv me when I tell i hv amex ,people start giving respect.i am talking abt bank .
Sir ji
Please make video for aam janta . Axis reserve card relation with bank all are not applicable if we dont have 6 digit salary
I also hlp u ek aisa best credit btatungi jisme real me apko bhi profit hoga hi hoga
Credit cards are offered by smart people to oversmart people
Sorry but this is a very silly video. Only HNI (
What is this new thing up with Rupay cards? No one is giving details on that!
Creadit card bandh kaise karna hai ya bhi to bataia.
Bank ko contact kar ke 😁
Selfless Adviser i can say Pranjal Sir!!
Is OneCard good or not?
Please....jaldi se point ki baat pe aaya karo.... 1 hi baat 10 baar kyu krte ho yaar....... 2x speed pe dekhna padta hai... 😞
Ek dam jhakas update, most needed and awaited features.
Sir ap personally kon sa credit card use krte ho?
Bhai marriot point kya h
Ab samjh me aaya credit card ke bare me kyo Gyan bata kyo ki uske jariye apna product PE Lana hai logo ko 😂😂😂
Apki information hamesha useful hoti hai.
Bhai 200 me 1 rupay mil raha toh 1.5% kaise hua?😢😢
4:50 that's not how reward points work every credit card have a different reward rate it's not about banks it's about what card you have my brother and i both have hdfc credit card in mine i get 1rs for every reward point whereas my brother gets 0.1rs for every reward point
Your knowledge is uncountable 😊
Your knowledge and awareness is dismal. How many of us have axis reserve or select card??
Those having monthly salary of upto one lakh are very unlikely to get such super premium cards... even after negotiation.
Hahaha.. sach me PK banai hai App. For income below 25k you can get IDFC Wealth & SBI Prime card. What rubbish criteria have you applied. For below 25k you want them to spent 3500 & 6000rs in annual fee. For income above 1.5L you are recommending useless cards.
Mat bola kar bhai PK😂
😂 Kaam dhanda chod k bass ab yahi bacha hai😅
Hii Pranjal, I am using LIC credit card supported by Axis bank. I am using credit card as you said in very disciplined way since years but your video was very useful to know hidden benefits. Thank you for your video.
I want to ask if I am doing one transaction with big amount and paying using easy EMI facility, is it beneficial or actually costs with hefty interest rates? Kindly explain using one example if possible.
Thank you,
Amol Patil
One line advice ... Avoid any sort of easy EMI or even pay later stuff
Explanation below: advice was finished above 😊
Always do full payment that's the only benefit
Easy EMI has interest charges involved
Pay later will be comparatively cheaper but still you will pay some xyz cost over and above whatever your final amount is
Sir mai student hu abhi mera a/c hdfc me hai to unhone force karke tata nue plus apply karwa diya sir jab maine uske pons and cons dekhe to mere hisab se vo bilkul bhi compatible nahi hai to sir mai kaya karu please help 🙏
Pk jo bhi bola,, mast or kaam ka bola😂
title is kind of misleading. K came here to watch comparison between different cards available in the market and PK's opinion on them.
For that You will have to go to Finilogy Select ...at the end of the video he has given the information,how to select the Best Credit Card as per your income and need.
I have hdfc business regalia and want to transfer reward points to club vistara, but I am getting only two options InterMiles and KrisFlyer, please anyone guide me how to transfer
Dude just do a proper homework before creating content. The Reserve reward rate is 1.5 coz it gives 15 points for 200 spend and value is 0.2. Aajkal video banane ka fashion hai does not mean you won't pay attention to content correctness.
First time First view and also my too much related wanted video 😁😁😁😁😁😁🔥🔥🔥🔥🔥🔥❤
i'm still watching it, not completed yet😅
I am using kotak pvr credit card which gives me 2 movie ticket per month worth ₹800 after spending 10,000 ₹ per month. In short it is giving me 8% return.
Axis reserve card is only for reserved people like you.. you should have given example of basic cards..
Seems like you're pitching for credit cards, you kind of downplayed the risk of owning credit cards.
What about reward redemption fees charged by banks.
Idfc first bank saving account me balance tha fir v debit nehi hua aur mujhse late fee 400 rupe leliye
Just saw this video, axis has removed option where if you will invest x amount in a month then you will get good points
Btw direct cash back credit cards are better
Please suggest about bajaj finserv rbl bank supercard is helpful or not ? Is it really worth it?
bhai edge reward points ki value 20 paise hai 1 edge reward point = 20 paise aur aapke card me 200 pe 15 points milte hai na ki 12
Wow.. I was just searching that
Mere credit card fraud hone par immediately bank ko inform Kiya tha. But bank said I provided the OTP to scammer so bank can't refund or pause the transaction that's already done. Lost 30k on my first ever newly issued credit card
Ya sahi hai agar tum ne OTP Diya hai to tumhara mistake hai bank to Paisa lega
How to transfer Credit card points to hotel or airline points.
Middle class na to axis ka premium card leta hai na hi bde hotel aur flight ke liye redeem krta hai kuch middle class ke liye video bnao sirji
How to know the benefits and rewards of my credit card ???
Hello can I get credit card statement of 15 days without any transaction ???
I don't understand the point of this video 😕
SBI visa pulse card available how do you benefits
This video os sponsored by axis Bank 😂 and thid is how he wil get discount 🎉
hi, Can you do video on Rupay Credit cards since we can add these cards to UPI payments and do the payments through UPI apps like PhonePe or Gpay and which Rupay credit card is good to take. thanks
This video was about benefits of credit card or about india's most rewarding credit cards?
There is much difference between card or cards.
.
.
After very long time I watched your video and you proved it again.
FMCG company me Emami Ltd kaisa company hai please bataye
Play 1.75x
Sir Mankind is going to become public. Please make video on how the listing price is decided. 🧐
If anyone else wants to know, like this and make it a top comment.
Points transfer is equall to expenses again.. so income kese hua...??? Expense k upar expense horaha hai...
What's your point of view on slice prepaid card ?
can any one help me with a good forex card wil zero forex markup or a minimal marup , don't recommend a credit card as i am a student
Reward points can not be transferred on SBI c card
I want to improve my credit score but I never get any loan and that's why I have a credit score of 715 but how can I improve it
is one card is best for students
Absolutely best h...10K ki fd kara lo or time pe bill payments kro bht jldi badhta h cibil score... mujhe one card ke wajah se hi Amzn Icici ka credit card mila without any income
Bro I started watching this video and 5 mins in, there are more numbers in this video than my math homework.
Thanks 😮
Main Chla Video ke Ant me
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Majak kr rha hu 😅😂
Sir aap ki book Investonomy hindi edition mai bhi h ky amazon pr ??
Watching this video on 15th July 2023. Axis has devalued their ultra premium reserve card and the new ER transfer rate is 5:1 effective from 12th August.
Credit card is a waste of time and energy. Never take credit cards more than 30% of your income
HDFC Millennia ❤️
Sir I work with HDFC BANK, I HAVE TAKEN milennium credit card where value of 1 RP =RS 1 hai,
Deepika Padukone ka credit card apko kaha seh mila😂😂😂 aur kisneh notice kiya ?
Incorrect Info: You actually get 15 edge points on every Rs 200 on Axis Reserve and value of each point id 20 Paise. You rather get 12 points on Magnus.
I respect you a lot for your simplicity in advise...do not make such complicated vedios. First of all you need to understand why your followers think of going to Marriott !. I request you to remove this vedio as we love you for what you are good at and not this.
Good Afternoon bhaiya
Credit card worst hai kharcha jyada hota hai jab aap cash me kharcha karoge to automatic kharcha kaam hota hai but credit card se jyada kharch hota hai so plz credit card avoid hi kijiye
Hello sir meri ek problem hai
Mai zerodha pe demat account open Karna chahta hoon but uspe 300 nahi 200 charge fees le Raha hai
But uspe niche ke tino option pr sahi ka tik hai lekin equity Wale option pr pahle se hi tik hai jise touch karne pr bhi usme kuch ho hi nahi Raha hai