How To Choose The Best Credit Cards

Best credit cards: While choosing a credit card you should choose according to your needs, income, expenses and benefits. How to choose a good credit card, some examples, their pros and cons:

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✅ How to choose a good credit card?

1. Know your spending style:
   Do you shop a lot? Too much travel? Are fuel costs high? Select the card accordingly.
   
2. See Annual Fee / Joining Fee:
   Some cards come free, while others come with a fee. Determine the fee depending on the benefits you get.
   
3. Reward Points / Cashback:
   Reward points/cashback benefit for frequent shoppers.
   
4. Interest rate:
   See interest on non-payment of dues. Choose cards with low interest.
   
5. Offers & Partner Deals:
   Some cards give special deals on Amazon, Flipkart, IRCTC, fuel stations.
   

🏦 Examples of some popular credit cards

1. HDFC Millennia Credit Card

• Profits:
  
  • 5% cashback on sites like Amazon, Flipkart, Swiggy
    
  • Pay a fee of ₹1,000 – Reimbursable if used in excess
    
• Losses:
  
  • The benefit is only for those who use it a lot
    

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2. SBI SimplyCLICK Credit Card

• Profits:
  
  • Good rewards for online shopping
    
  • Amazon voucher ₹500 as joining benefit
    
• Losses:
  
  • Less rewards on offline purchases
    

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3. ICICI Amazon Pay Credit Card

• Profits:
  
  • No annual fee
    
  • Amazon Prime users కు 5% cashback
    
• Losses:
  
  • Cashback is less at merchants other than Amazon
    

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4. Axis Bank ACE Credit Card (Google Pay Card)

• Profits:
  
  • 2% – 5% cashback on all spends
    
  • Low annual fee (₹499)
    
• Losses:
  
  • Cashback based on Google Pay – may not work for everyone
    

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📉 Precautions in using credit card

• Bill must be paid in full on time – otherwise interest will be charged
  
• Do not exceed credit limit
  
• The amount used should be tracked each month
  
• Don’t take unnecessary cards – CIBIL score will be affected
  

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✅ In short:

Things	Something to look out for
fee	Free or Low Annual Fee
Rewards	Cashback, Reward Points
use	Shopping, Fuel, Travel Cards
Interest	Choose low interest cards

🧾 Credit Cards Comparison Table

Card Name	Annual fee	Key Benefits	Best for	Losses
HDFC Millennia	₹1,000 (non-refundable)	5% cashback on Amazon, Flipkart, Myntra	Online shoppers	If you want to reimburse the fee, you have to spend more
SBI SimplyCLICK	₹499	10X rewards on online shopping (Amazon, BookMyShow, etc.)	Online usage	Less rewards for offline use
ICICI Amazon Pay	₹0 (Lifetime Free)	5% cashback for Prime, 3% for others on Amazon	Amazon users	The benefits are less on platforms other than Amazon
Axis Bank ACE	₹499	5% cashback on bill payments via Google Pay, 2% on others	Utility bills, food delivery	Cashback comes through Google Pay itself
Flipkart Axis Bank Card	₹500	5% cashback on Flipkart, 4% on Swiggy, PVR	Flipkart users	Amazon is less useful for offline shopping
Standard Chartered Super Value Titanium	₹750	5% cashback on fuel, phone, utility	Fuel & bills	Online shopping is not very useful

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🟢 Hints on important options

✅ If you are an Amazon Prime user:

ICICI Amazon Pay Card — No annual fee, 5% cashback

✅ If you use Flipkart & Myntra:

Flipkart Axis Bank Card — 5% cashback, travel benefits కూడా

✅ If you spend a lot on Utility Bills, Recharges, Food Delivery:

Axis ACE Card — 5% cashback via Google Pay

✅ If you see the card for fuel or bills:

Standard Chartered Super Value Titanium — 5% cashback on fuel, utility bills

✅ If you see an easy card for basic online shopping:

SBI SimplyCLICK – More rewards, less fees

READ INVESTMENT PLANS

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❗ Final tip:

• If you are spending more than ₹10,000 per month cashback/ reward cards are useful.
  
• To be cost effective No annual fee cards (like ICICI Amazon Pay) is better.
  
• Always pay the bill in full on time, or the interest rate will be very high (up to 35% APR on most cards).