I Tested 35+ Credit Cards; Here Are the Best in Each Category

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In this video, I break down the best credit card combo for every expense category to help you maximise rewards on your daily spends. I cover both premium and non-premium cards across categories like online shopping, flights, hotels, and dining so you can build a powerful strategy. If you’re confused about which cards to use and when, this guide will simplify everything with practical examples. This is the exact system I would use to optimise rewards efficiently in 2025.

Apply for Credit Cards:

SBI Cashback Card → https://tinyurl.com/784v6tmx
SBI SimplyCLICK / PhonePe SBI Card → https://tinyurl.com/2eb5wu26

American Express Platinum Reserve → https://americanexpress.com/en-in/referral/platinum-reserve?ref=mEGHNKZBuP&XLINK=MYCP
HDFC Biz Black Credit Card → https://tinyurl.com/2p9vf72f
ICICI Emeralde Private Metal → https://tinyurl.com/4spb7w45
ICICI Times Black Credit Card → https://tinyurl.com/4spb7w45
Axis Magnus for Burgundy → https://tinyurl.com/ytaydpdf
HDFC Diners Club Black Metal → https://tinyurl.com/29jpjjas

HSBC Travel One Credit Card → https://tinyurl.com/ypxks2wd

Axis Atlas / Axis Horizon Credit Card → https://tinyurl.com/ytaydpdf
HDFC Marriott Bonvoy Credit Card → https://tinyurl.com/7txb5c63

HDFC Swiggy Credit Card → https://tinyurl.com/mufzpv32
IndusInd EazyDiner Credit Card → https://tinyurl.com/43b94mdn
HSBC Live+ Credit Card → https://tinyurl.com/3sc4x96x

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Reach out to me: niraj@holisticwealth.in

HDFC Tata Neu Credit Card -
https://www.tatadigital.com/v2/finance/creditcard/product-detail?referralCode=NIRA147&utm_content=NIRA147&utm_source=ReferralModal
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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!

Timestamp
00:00 Best Credit Card Combo Strategy Intro
00:17 Cards to Avoid (Invite Only & Closed Cards)
00:51 Best Credit Cards for Online Shopping
02:14 Best Credit Cards for Flight Bookings
03:19 Best Credit Cards for Hotel Bookings
05:05 Best Credit Cards for Dining & Food
05:49 Best Credit Cards for Groceries & Supermarkets
07:50 Best Credit Cards for Utility Bill Payments
08:13 Best Credit Cards for Insurance Payments
08:38 Best Credit Cards for Tax Payments
09:09 Best Credit Cards for International Spends
09:53 Best Cards for UPI & Offline Payments
10:13 Best Credit Cards for Rent Payments
10:40 Newsletter + Final Thoughts

#CreditCardsIndia #CreditCardStrategy