Ranking EVERY Credit Card From WORST to BEST Usage

Learn how to maximize your credit card reward points across different categories of expenses. I've ranked every credit card from worst to best usage. Discover tips and strategies for making the most of your HDFC, American Express, and Axis credit cards.

Subscribe to my monthly newsletter. It will get you the following -

Monthly updates from the world of credit cards and air miles
Detailed card reviews from time to time
Timely updates on relevant offers
Other things as I think makes sense for subscribers
Responses to your questions on email

USE THESE LINKS TO GET EXTRA BENEFITS:

AMERICAN EXPRESS:

HDFC CREDIT CARD:

AXIS CREDIT CARD

IDFC FIRST CREDIT CARD

IDFC POWER CREDIT CARD:

--------------------------------------------

PRODUCTS I USE:

If you found this video helpful, please give it a thumbs up and subscribe to my channel for more tips on maximizing your credit card rewards! Leave your questions in the comments below, and I'll cover them in future videos.

Thank you for watching!

Timestamps:
00:00 - Introduction
00:33 - Credit Cards Overview
01:08 - Food and Grocery Expenses
02:12 - House Rent and Maintenance
03:17 - Convenience and Fuel Expenses
04:19 - Medical and Healthcare Expenses
04:53 - Utility Bill Payments
05:25 - Lifestyle Expenses (Clothing, Accessories)
07:00 - Dining and Movies
07:56 - Travel and Vacation Expenses
09:20 - School Fees
09:53 - Insurance Premiums
10:24 - Income Tax and GST Payments
10:55 - Conclusion

#creditcardrewards

[chiranjeelal]

Please make such videos for low to mid range cards as well. Most of these are premium or ultra premium cards.

[achalagarwal]

Hi Niraj ! I got followings cards under my belt:
1. HDFC INFINIA
2. AXIS Magnus for Burgundy (LTF)
3. YB Marquee
4. AMEX Travel Platinum
5. IDFC First Wealth
Also, I have done multiple international vacay at ZERO cost maximizing the rewards. Now, I'm figuring out which cards can give best deal on Uber, OLA, BluSmart or like on stores like Adidas, Nike etc. None of the cards provides vouchers to any of these.

[aabhasjindal]

Hey Niraj! Love your videos! Request you to cover the topic on best time to transfer the points to different platforms. As these platforms from time to time roll out offers to give bonus points upon transfer, and it’s difficult to track these offers.

[Vishnu]

Which is better, Axis Atlas or American platinum travel card for annual expenses less than 5 lakh for all categories mentioned in this video?

[SivaPraveenRayapudi]

HDFC infinia, can you buy 20k Amazon pay voucher every month ? When i say last time it is said only 10k per month

[priteshkhilnani]

Finally you're looking at the camera. Great videos thx

[sandeepa]

Do you live your life??? 😮 everything you looking only cashbacks

[akulgupta]

Hi. Recently started following your channel.

I recently got the DCB metal card and want use this my as my primary card to simplify things.


Could you share some quick tips on how to achieve the 4L quarterly milestone? Amazon vouchers/gift cards i know

[vihangpatel]

Amazon pay voucher goes in gift card balance and not in pay wallet.

How to load pay wallet using vouchers?

[chandraMohan-wd]

What are/is best credit card for insurance and education fee payment? Please advise

[Mohammedbilal]

Sir altas card hotel booking direct on there website we get reward or we need to go hotel and swipe the card

[krook]

Amex platinum travel vs axis atlas- if I were to direct all spends on just 1, what do you recommend?

[shrenujjain]

How do you justify annual fees of so many cards? Is there any trick here?

[Chets]

Those tunnels (nostrils) please position your camera properly don’t wanna look at those throughout the video. 😂

[sujitkumarmohapatra]

Hi Niraj
Any idea why the amex platinum travel referral link not working

[sanjay]

Sir I have a question paying electricity bill of Telegana. You said your using amazon to take benefits. May i know how? Or is there any alternative to use and get benefits?

[pankajlad]

Can we use marriot points which is transferred via amex for food and beverages at the hotel when we book the property for stay ?

[akashkumardash]

Good One. Please make a video on how to upgrade from HDFC Regalia to Infinia

[sivarajanm]

Hi Sir,

May i know will there be any charges for booking Indonesia hotels in accor from india using Axis Atlas?
Forex or currency conversion charges?

[shijithlallv]

I remember you mentioned once that you got HDFC Marriott card. Why don’t you mention the same ? I use HDFC Marriott card only at Marriott hotels. This give 8 points per 150 rupees you spend. Yes i visit Marriott properties most of the time because I transfer my Amex points to Marriott only. I thought you could have mention this as well