Is HDFC Millennia worth applying in 2026? I upgraded to the HDFC Millennia Credit Card from my lifetime-free HDFC Moneyback card back in 2022, and four years later, it’s still active in my wallet alongside my Swiggy OG, Tata Neu Infinity, and Marriott Bonvoy. That alone should tell you something — but let’s get into … Read more
Confused b/w SBI Cashback & PhonePe Select Black? Both are SBI cards. Both give cashback. Both are devalued in 2026. The choice comes down to one thing — how you spend. Quick Verdict ⚡️ Profile Pick This Why Pure online shopping SBI Cashback Flat 5% on all online spends, no merchant restriction Heavy PhonePe + … Read more
Two of India’s best cashback credit cards — SBI Cashback gives a flat 5% on almost every online purchase, everywhere. The Axis Flipkart gives up to 7.5% on specific platforms and stacks instant discounts during India’s biggest sale events. I hold both cards in my 20+ card stack. Here’s the straight answer on which one … Read more
Confused b/w SimplyClick and Cashback card? I’ll help you choose. Both cards are built for online shopping. But they serve completely different people — and one key difference that most people miss makes them the best pair in the SBI ecosystem, not competitors. I hold both cards in my 20+ card stack. Here’s the straight … Read more
Building the best credit card stack in India takes time — and a lot of trial and error. I’ve been at it for over 6 years. I currently hold 20+ cards, and every single one has a job. One for Amazon, one for fuel, one for airport lounges, one for Tata brands. Together, they cover … Read more
The SBI Cashback Card set the gold standard for cashback in India. But after the April 1, 2026 devaluation, many are asking: Is it dead? The short answer is No. I hold 20+ credit cards to date, but it remains my go-to card for everyday expenses. I’ve have earned ₹77,000+ in cashback to date. In … Read more
The SBI SimplyCLICK is one of India’s most searched entry-level credit cards — and for good reason. ₹499 fee, 2.5% return on everyday brands, and a fee waiver that’s actually achievable. I’ve held this card for 6 years across 20+ credit cards — and I still carry it in my wallet today. Here’s an honest … Read more
Is Axis Bank Flipkart credit card worth the ₹500 fee? I personally hold 20+ credit cards — this one sits in my wallet for one very specific reason: nothing in India beats its Flipkart ecosystem returns, especially during sale season. ⚡ Quick Verdict: Best for regular Flipkart, Myntra, & Cleartrip users. At ₹500 annual fee, … Read more