Find the Best Credit Card for You

Axi My Zone lifetime free card is a good option in the lifestyle category, which gives many benefits mentioned below –

• Buy 1 Get 1 Movie ticket (Max ₹200)
• ₹120 off on Swiggy on an order of ₹499 (twice a Month)
• Wednesday Delight
  • 15% off on Hotels & Flights
  • 10% on Swiggy
  • 10% on TIRA
• Dining Delights 10-15% off on restaurants.
• Welcome Bonus SONY LIV Premium worth ₹1,499
• Fuel waiver & 4 Airport Lounge access
• & Many more …

So, if you want a card that gives all these benefits, then you can apply for this card or read the complete review.

If you spend up to ~ ₹13,000 / Month on Fuel at the Indian Oil (IOCL) fuel Station, then you can apply for this card. This card offers one of the highest cashback rates on Fuel spending, which is 7.5% Cashback + 1% Fuel surcharge waiver.

You can get 7.5% Cashback while filling your tank till the maximum limit of ₹1,000/ Month cashback on spend of around ₹13,000.

This card is good for lower-income people or students as a first credit card with easy approval and limited benefits as reward points.

10x Cashpoints on Selected brands like BigBasket, BookMyShow, OYO, Swiggy, Uber, etc. and on PayZapp. Also, there are cashpoints on utility bills, recharge, etc. via PayZapp. 1% Fuel surcharge waiver and 10% discounts on Swiggy Dineout are some major benefits of this card.

So, if your spending is low and general spending with low income, then you can apply for this card, but if you want higher cashback value, higher limits, lounge access and other benefits, then you can search for other cards.

UPI is a very common mode of payment. If you also spend a lot through UPI, then the virtual credit card of Kiwi can give you a lot of cashback upto 5% on every UPI spend, understand it easily:-

If you take this card, then it is free, and without taking any membership, you’ll get 1.5% cashback on every UPI spend until the limit.

But if you spend a lot on UPI & take its Kiwi Neon membership, then you’ll get 3-5% cashback on spend for example, at ₹50,000 spending you’ll get 3% on every payment, at ₹1 Lakh will get 4% & at ₹1.5 Lakh 5% Cashback which in form of Kiwi points & can be withdraw to bank account directly.

• Along with each milestone, you’ll get lounge access, so 3 Lounge Access also be available to its users.
• The maximum limit of cashback per month is 1% of the total card limit, which is also not bad for UPI spending.

My Final verdict is that this is a very good lifetime free credit card for UPI spending as cashback to directly bank account. So good to go if you don’t need it for any other purpose, then it is a good card. If you want cashback on every other spending, not on UPI, then you can find other options also.

Best card for Amazon Prime members for unlimited 5% Cashback on online shopping, 3% for non-Prime members, 2% on Amazon Pay partners, & 1% on other spends. Also, 1% Fuel surcharge waiver is provided on this card.

Can apply to those who place large, infrequent, high-volume orders through Amazon because of the no upper limit on cashback. Even if you order something of ₹2 Lakh, then you can get ₹10,000 as a cashback, where this card wins.

Flipkart Axis Card is Good for those who frequently use Flipkart (5%), Myntra (7.5%) for shopping, Cleartrip (5%) for tickets and other platforms like Swiggy, Uber, PVR, Cult.fit, TATA 1mg, TATA Play (4% Cashback).

But the maximum limit of cashback is not good, only ₹4,000 / Quarter for different categories also Annual fee Waiver is also higher (3.5L / Year).

Best card for those who frequently order on Swiggy, Instsamart will get 10% Cashback, will save ₹1,500 / Month on spends of ₹15,000 spends Also, 5% Cashback across other online spending.

So if you shop/spend online and order food frequently, it can be a great card for You upto its limit. With it on only Swiggy and other platforms, you can save ₹36,000 / Year (including Swiggy + other online shopping).

If you rarely use swiggy then you can get a better cashback card with a higher cashback limit, so now you have to decide what suits you.

This card is a good option for beginners or low-spending users to get 5% cashback on their selected categories. You can choose any 2 Categories among them (Dining & Entertainment, Travel, Electronics, Fashion, Grocery, etc.) for 5% cashback.

Also, 3% cashback on any one among these three, which you choose. (Amazon/Flipkart/PayZapp) Apart from it, 1% Cashback on UPI spending, 1% on other spending, 5% on HDFC’s SmartBuy make this card perfect for low spend users or those who want cashback only on selected brands.

For easy approval, this card also comes against your FD with 90% of its limit make suitable for low credit score or low income users.

This card provides 10% Reward points on online shopping & if you use its POP Club app, then it gives 15% Reward points as POPCoins that you can redeem in the app (1POPCoin ~₹1)

Apart from online, this card gives 2% on offline spend (POS) and 5% on offline UPI spend.

There are no upper limits on reward points, and 1% Fuel waiver, an amazing welcome bonus, and milestone rewards make this card a very good option for all those who shop online or even offline, and use UPI frequently. Then you can apply.

Note:- If you already have any other Yes Bank credit card, then you’re not eligible, so you can search for other cards.

One of the best fuel cards for high spenders on BPCL Petrol pumps to get 6.25% Cashback on every fuel transaction on BPCL Pump & Bharat Gas (website/ App) without any maximum limit. Along with fuel cashback, there is 2.5% cashback on Dining, Departmental stores, Grocery, and movies to make this card more useful.

Also, 1% Fuel surcharge waiver on up to ₹4,000 transactions (maximum ₹100 / Month), so till ₹10,000 spend you’ll get effective 7.25% or (₹725 benefit) and after ₹10K spending you’ll continue to get the base 6.25% Cashback, which makes this card suitable for high frequent spendors on fuel through BPCL obviously.

This is one of the best cashback credit cards with 5% cashback on all online spending without any platform restrictions. Along with it, 1% cashback on offline spend. 1% Fuel surcharge waiver and 4 domestic lounge access make it the best cashback credit card right now in this category.

There is a maximum limit of ₹5,000 / Month cashback, which is higher than almost all other cashback credit cards. The cashback is directly settled in the next due bill and is easy to manage.

This card gives 5% Cashback on online spending on these platforms: Amazon, Flipkart, Myntra, Zomato, Swiggy, Uber, BookMyShow, Cult.fit, Sony LIV, TATA CLiQ. Apart from this any other online spending there is 1% Unlimited cashback offers. So, if you’re a regular user, then it can be a good option, although the maximum limit is ₹1,000 /Month for each category.

Also, this card offers ₹1,000 cashback every quarter on spending of ₹1 Lakh in a quarter. You can redeem these or use them for airport lounge access. There is 1% fuel surcharge waiver, also with a limit of ₹250 / Month.

So, overall, if your spending will be according to its maximum cashback limit, then it can be a good option to get; otherwise, there are other cashback cards also with higher limits and the same cashback rate.

If you spend regularly online and wants upto 7% cashback, then the Axis Cashback card is a good option. Yet, there is not a flat 7% cashback; instead, it’s Spending-based cashback, ranging from 2% to 7% up to a maximum limit of ₹4,000 / Month cashback, which makes the effective cashback rate around 5.71%. This is also a good cashback rate. Apart from that, it has unlimited cashback of 0.75% on offline spends and travel.

Now, if your primary aim is to get cashback just from online spending, then you can consider this card. If you spend 45-70 thousand per month, then this card is good for you. for Low spending should, go for another card and the same for higher spenders because of the limit.

For more details, you can click below and read a full review or compare it with others.