BEST CREDIT CARDS of 2024 (For EVERY Income)
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- Опубліковано 27 вер 2024
- Follow Niraj on UA-cam - / @dugarniraj
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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Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.
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![What Credit Cards You Should Have by INCOME? [Detailed Review]](http://i.ytimg.com/vi/RsQFUJGXeHQ/mqdefault.jpg)
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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 ❤
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
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
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
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
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.
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
how come no, amex cards were discussed?, i use the amex gold and i swear by it
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
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😊.
Great video. He forgot diners black card, many people get it life time free, almost same benefit as infinia
Diner my favourite
It is not being given as LTF now.. very soon they will increase the eligibility so it will become rare
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
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
I would rank HDFC Millenia (the one missing here and deserves a place) along with SBI Cashback at Gold spot.
For HDFC infinia card invite needs to be from existing customer??? How get the invite?
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
What about american express?
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 🐣😶🌫️
Bro make a video on best credit card for entry level salaried people, salary range between 15-25k.
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 remember my friend with 35 k salary had 2 lakh limit credit card 😅😅😅
With 75k inhand salary and 785 cibil still not rejected for SBi cashback.
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....
no amex bruv?
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 🙏
Best feature of Magnus I used was free BMS tickets, sadly downgraded now.
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.
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
Is there a reason the Rupay Cards were not included? Or do these come in the Rupay as well?
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.
honest review
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.
Axis had good cards but their devaluation is really disappointing😢
One of the most unexpected collabs ❤
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 AMEX Cobalt Card
Why people dont talk about swiggy hdfc CC? Seems many people have no idea about it...
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?
Bhai, bali guide banao...
You missed Amex MRCC card bro
Me using flipkart axis and being happy 🙂
What about One Card ?
A wealthy man's advice - If you want to create wealth, Never ever, I repeat never get a credit card
Advice is with respect to persons , don't generalize it.
Hdfc infinia is free and invited to all IIM Students.
jitne ki savings nhi hogi utne ki to joining and renewal fee lag jati h cc pe
American Express is missing.
No AMEX, wtf????
What about hdfc millenja card?
end me milega
Infinia ka eligibility discuss hi nahin kia
How about HDFC Regalia Gold ?
SBI Cashback card: Wrong information as it is valid for all merchant codes except some codes
What about amex??
Please convert reward points to Rupees
Ye toh bana diya aapne Raheeson ke liye kuch middle class ke liye bhi jara
Hdfc looklike sponcer videos, dont buy SBI cashback card. Too many terms & conditions
Yeah Vanda idhar bhi chala aya
Hdfc millennia is best❤
Axis ace and hdfc milennia
sbi cashback card limit nhi deta hai
Guys anshuman bhi bik gaya😢
Kaise bika? Isme koi sponsor nahi tha
@@anshumanfinance • we have listened so many stories on " fix your finance" that because of credit card people have accumulated so much Debt .
• Therefore using a credit card is not good and as a responsible creator we have never expected you to promote credit card 😧🙃
Best rupay credit card?
Same question
Overacting ke 150 kato
Sbi cashback best not oroblemsy
Thumbnail mein pixel play card top pe tha. Esi cheap clickbaiy strategy mat karo
Amex platinum ka naam sune ho? 😂😂
ye bhai bahut aa raha he ye konsa course bech raha he
18 mins of convincing to unsubscribe your channel !!!
Sponsored by HDFC
Sponsored video 😂
NO
It's a trap. Never buy credit cards.
i was a banker .....but never used credit cards
So this video makes it clear that Anshuman's annual income is atleast 22 lakhs
Anshuman send me the Infinia invite I will send the zomatoe for sunday lunch😉
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
What about scapia card?
Do it for life and health insurance as well
Coming soon
HDFC Diners Black is also pretty similar to Infinia and is much easier to get
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.
For me tata neu infinity is platinum, gave neu coins on insurance, jwellery and utility.
can you give ideas about genuine work from home for housewives who hv had work experience long time back.
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 UA-cam which answers this question.
Eagerly waiting for this video 😊
are there any credit cards for housewives
Ye banda toh wint wealth ki video mein aaya tha kuch din pehle isi topic ke liye
Credit card expert hoke bhi kitni galat info de raha hai ye.. Atlas se Mmt goibibo wagarah pe only 1x points milte hai not 5x.. 5x only on direct airline and hotel partners including Axis travel edge.. Aur Emirates transfer partner bhi nahi hai Axis Atlas me.. Flow flow me kuch bhi bol raha hai..
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💳💳💳
No 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😅
No Amex?
For biz black, Can't a salaried person pay advance tax?
(salary is about 30LPA)
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
Using HDDC Millennia Credit Card. But don't know benifit yet. I have almost 3 lakhs limit. But always use debit card.
Hey Anshuman, if we're having term insurance payments, which card would be helpful for cashback/rewards?
Always take credit card based on your usage. Never blindly follow anyone.
What about
1. ICICI Ruby master card and Amex cards?
2. ICICI Coral cards
What about ICICI Saphhiro? Part of 'Gold' club?
biz black mein 3x h for vouchers pls correct it
I have only 1 out of these many cards, and I am second to comment... 😂
platinum category cards ke liye to eligible hi nahi hu 😂 life cashback cards par chal raha hai
“Close to my heart” who says that to a credit card ??