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Guides

One question, one dated answer.

Each guide answers a question people keep asking about Indian credit cards, with every figure taken from the card's catalog record or a cited source, and the verification date on the page.

Spend plans

Step-by-step plans for one big spend: which card for which bill, in what order, with each bank's terms.

Questions

  1. Approvals · 2026-10-27What income does HDFC Diners Club Black Metal ask for?HDFC asks salaried applicants for ₹2.5 lakh a month net and the self-employed for a ₹30 lakh ITR. What each floor covers, and what it leaves out.
  2. Earn · 2026-10-19Which spends earn Stars on the Google Pay Flex Axis card?What the Google Pay Flex Axis card pays per ₹500, the spends that earn nothing, why fuel still earns, the cap per cycle and how part-rupees carry over.
  3. Offers · 2026-10-17Who gets the Flipkart Axis ₹250 welcome voucher?The Flipkart Axis welcome benefit is worth ₹350, but the ₹250 voucher needs a ₹500 joining fee that is nil right now. What each piece needs.
  4. Earn · 2026-10-16How does HDFC MoneyBack+ earn CashPoints?What HDFC MoneyBack+ pays per ₹200, where its 10X rate applies, the 2,500-point monthly cap on it, and what a CashPoint is worth.
  5. Points · 2026-10-15How do Regalia Gold and Atlas points move to KrisFlyer?Regalia Gold sends 2 points for 1 KrisFlyer mile, capped at 50,000 points a month. Atlas sends 1 EDGE Mile for 2, capped at 30,000 a year. The arithmetic.
  6. Fees · 2026-10-14When is the Swiggy ORNGE HDFC annual fee waived?The Swiggy ORNGE HDFC card charges ₹500 a year, waived on ₹1,50,000 of spend before the renewal date. What counts, what does not, and what the spend earns.
  7. Fees · 2026-10-13When is the HSBC TravelOne annual fee waived?The HSBC TravelOne charges ₹4,999 a year and reverses it, GST included, above ₹8L of eligible spend in an anniversary year. What counts and what it earns.
  8. Approvals · 2026-10-11What income does the HDFC Millennia card ask for?HDFC's Millennia page asks salaried applicants for ₹35,000 a month net and the self-employed for a ₹6 lakh ITR, both aged 21 to 40. Where its pages differ.
  9. Fees · 2026-10-10How is the BOBCARD Eterna annual fee waived?The BOBCARD Eterna charges ₹2,499 a year, waived on ₹2,50,000 of spend in an anniversary year. How the joining fee works now, and what the points return.
  10. Caps · 2026-10-09What does Axis Ace pay on a ₹50,000 electricity bill?Axis Ace pays 5% on bills only inside Google Pay, capped at ₹500 a statement month, and a ₹50,000 bill also triggers Axis's 1% utility fee.
  11. Offers · 2026-10-08Does ICICI's MakeMyTrip offer work without EMI?ICICI cards get 10% off a domestic flight on MakeMyTrip, up to ₹1,800, when paid in full, but only on Mondays. EMI codes work every day.
  12. Earn · 2026-10-07What does HDFC Millennia earn on Amazon?Millennia pays 5% on Amazon until 1,000 CashPoints a month, shared with nine other brands. How that compares with Amazon Pay ICICI's uncapped rate.
  13. Offers · 2026-10-06Does SBI's 27.5% Samsung offer work without EMI?SBI Card's Samsung discount of up to 27.5% applies only on Brand EMI of six months or more, and the Cashback SBI Card is left out. What the terms say.
  14. Offers · 2026-10-05Does Axis's Apple cashback work at Apple resellers?Axis's Apple Store offer ends 10 October; the reseller offer runs to 26 December, up to ₹15,000 back. What changes between the two, and on EMI.
  15. Fees · 2026-10-04When is the ICICI Sapphiro annual fee waived?The ICICI Sapphiro charges ₹3,500 a year plus GST and waives the next year's fee after ₹6 lakh of spend. What counts, and what the spend earns on the way.
  16. Offers · 2026-10-03Does Axis's Samsung offer really pay 22.5% back?Axis Bank's Samsung offer is headlined at up to 22.5%. Its terms list 5% cashback, up to ₹3,000, paid after 90 days. What that comes to on your card.
  17. Offers · 2026-10-02What does Axis's MakeMyTrip EMI offer take off a flight?Axis cards get 10% off a domestic flight on MakeMyTrip, up to ₹1,800, on EMI only. What the EMI costs, and what an Atlas card gives up in Miles.
  18. Earn · 2026-10-01Do Axis credit cards earn rewards on Apple Pay?Axis says an Apple Pay purchase earns what the physical card earns. What that means on Ace, Airtel Axis and Atlas, and the ₹5,000 limit on a new card.
  19. Fees · 2026-09-30Does SBI SimplySAVE earn back its ₹499 fee?SimplySAVE pays 10 points per ₹150 on dining, movies and groceries. About ₹30,000 a year there returns the ₹499 fee; ₹1 lakh of spend reverses it.
  20. Points · 2026-09-29How many Axis Atlas miles can go to Air India a year?Air India sits in the Atlas's Group A, which takes at most 30,000 EDGE Miles a calendar year across 18 partners. What that buys, and where the rest can go.
  21. Earn · 2026-09-28Does SBI SimplyCLICK earn 10X on Amazon?Amazon is not one of SimplyCLICK's 11 partners, so it earns the 5X online rate under a 10,000-point monthly cap. How SBI's Amazon discount changes that.
  22. Offers · 2026-09-26Does the Flipkart Axis card get Axis's 10% Flipkart offer?Axis's 10% Flipkart discount, up to ₹1,500, reaches the Flipkart Axis card only on EMI. A full swipe earns the card's 5% instead. How the two compare.
  23. Earn · 2026-09-25What does IDFC Hello Cashback pay on offline spends?IDFC Hello Cashback pays 1% on in-store swipes, inside a ₹1,500 cycle cap that online cashback fills first. What earns, what does not, and the arithmetic.
  24. Earn · 2026-09-24How does the HSBC TravelOne card earn points?What the HSBC TravelOne pays per ₹100, where its 4X and 6X portal rates apply, the 18,000-point monthly cap, and what a point is worth at each partner.
  25. Fees · 2026-09-23When is the Flipkart Axis card's annual fee waived?Flipkart Axis waives its ₹500 annual fee above ₹3,50,000 of yearly spend. What counts toward it, what does not, and why the posting date decides it.
  26. Caps · 2026-09-22How much can the Cashback SBI Card pay in a month?The card pays 5% online and 1% elsewhere, each capped at ₹2,000 of cashback a statement cycle and ₹4,000 together. What a big month pays.
  27. Earn · 2026-09-21What do the Amex Platinum Travel milestones pay?The ₹4 lakh and ₹7 lakh milestones on the Amex Platinum Travel, what each one pays after the 2026 revisions, and what a year is worth after the fee.
  28. Earn · 2026-09-20What does IDFC FIRST Diamond Reserve earn after ₹20,000?The Diamond Reserve pays 3 points per ₹150 up to ₹20,000 in a cycle and 10 above it, and four categories never count towards that threshold.
  29. Fees · 2026-09-19When is the HSBC Live+ annual fee waived?The HSBC Live+ costs ₹999 a year and reverses it after ₹2 lakh of spend in the card's anniversary year. How the reversal works and what counts toward it.
  30. Lounges · 2026-09-18How do you get airport lounge access on ICICI Coral?ICICI Coral gives one domestic lounge visit a quarter for ₹75,000 of spend in the quarter before. Which spends count, and which dates the window runs on.
  31. Caps · 2026-09-17When does the HSBC Live+ card stop paying 10%?HSBC Live+ pays 10% on dining, groceries, shopping and bills up to ₹1,200 a cycle, reached at ₹12,000 of spend. What counts, and what the terms leave open.
  32. Earn · 2026-09-16What does the Amazon Pay ICICI card still earn on?5% on Amazon for Prime members, 1% elsewhere, and a list of categories that stopped earning in 2024 and 2025, including rent, education and utilities.
  33. Earn · 2026-09-15Do IDFC FIRST cards earn points on international spends?When IDFC FIRST Classic, Millennia, Select and Wealth stop paying 10X on international purchases, and what the zero forex markup still covers.
  34. Earn · 2026-09-14What changes from Swiggy HDFC to Swiggy ORNGE or BLCK?The original Swiggy HDFC card against its ORNGE and BLCK versions: the Swiggy rate, the 5% merchant list, the three cycle ceilings, fees and waivers.
  35. Approvals · 2026-09-13What income does the HDFC Regalia Gold card ask for?HDFC asks salaried applicants for ₹1.5 lakh a month, government staff for ₹1 lakh and the self-employed for an ₹18 lakh ITR. What each floor means.
  36. Caps · 2026-09-11When does the Flipkart Axis card stop paying 5%?Flipkart Axis pays 5% on Flipkart up to ₹4,000 of cashback a statement quarter, reached at ₹80,000 of spend. How the quarter runs and what comes after.
  37. Fees · 2026-09-10When is the HDFC Diners Club Black Metal fee waived?The Diners Club Black Metal costs ₹10,000 a year and waives renewal at ₹8 lakh of spend. How that clock runs, and what the waiver spend earns.
  38. Earn · 2026-09-09What does the Scapia Axis credit card earn?The Scapia Axis pays 10 Coins per ₹100 on everyday spend and 20 per ₹100 on app bookings. Five Coins are ₹1, so that is 2% and 4%.
  39. Caps · 2026-09-08Where does the Axis Atlas stop paying 5 EDGE Miles?The Atlas pays 5 EDGE Miles per ₹100 on direct travel until ₹2,00,000 of travel spend in a month, then 2. What counts as travel, and what a mile is worth.
  40. Earn · 2026-09-08What do the HDFC GIGA and BizGrow cards earn?Both pay 2 CashPoints per ₹200 as a base and cap the accelerated tier at 1,500 CashPoints a cycle. GIGA pays 6 per ₹200 there, BizGrow 20.
  41. Caps · 2026-09-08How much can an HDFC PIXEL card pay in a month?Every accelerated tier on PIXEL Play and PIXEL Go stops at 500 CashPoints a month. What that is in spend, and where the 1% tier's larger ceiling sits.
  42. Earn · 2026-09-08How does the HSBC Premier card earn points?What the HSBC Premier pays per ₹100, where its 12X and 6X rates apply, the 18,000-point monthly cap on them, and what a point is worth at each partner.
  43. Points · 2026-09-08What is a Bonvoy point worth on the HDFC Marriott card?The catalog prices a Marriott Bonvoy point at ₹0.45, which turns the card's 8 points per ₹150 into 2.4% and its Free Night Awards into ₹6,750 each.
  44. Caps · 2026-09-08What are the caps on the Swiggy HDFC card's cashback?The Swiggy HDFC pays 10%, 5% and 1%, each with its own ceiling per billing cycle. The three together stop at ₹3,500. What fills them, and what does not.