Credit Cards I Use

Credit Cards I Use Personally in 2025 – By Deepak Thakur

Credit Cards I Use Personally

Credit Cards I Use Personally: A Transparent Look at My Financial Toolkit – Curated by Deepak Thakur

I’m often asked which credit cards I use and why.

As a digital marketing analyst and someone who enjoys optimizing finances, I use various credit cards based on spending categories, lifestyle benefits, and reward potential.

This page is a living document — I’ll keep updating it as I add or remove cards.

Why I Built This Page on Credit Cards I Use Personally

This section is for readers who want real, honest opinions — not sponsored lists. I use each of these cards myself and share exactly what works for me.

Axis Bank Credit Cards

1. Axis Bank Flipkart Credit Card

  • Best For: Online shopping (Flipkart, Myntra, 2GUD, Swiggy)
  • Key Benefits:
    • 5% cashback on Flipkart & Myntra
    • 4% on partner merchants (Swiggy, Uber, PVR, etc.)
    • 1.5% cashback on all other spends
    • Complimentary Lounge Access (Domestic) – 4 per year
  • Annual Fee: ₹500 (Waived on ₹2L yearly spend)
  • Why I Use It: Perfect for my Flipkart orders & food delivery cashback.

2. Axis Bank NEO Credit Card

  • Best For: Budget-friendly lifestyle and OTT subscriptions
  • Key Benefits:
    • Discounts on BookMyShow, Myntra, Zomato
    • 1% cashback on online spends
    • Free Wynk Music & Amazon Prime trial
  • Annual Fee: ₹250
  • Why I Use It: Handy for subscriptions and quick online discounts.

3. Axis Bank Rewards Credit Card

  • Best For: General shopping and points lovers
  • Key Benefits:
    • Up to 20 reward points per ₹200
    • Extra points on birthday spends
    • Easy redemption for vouchers, travel, etc.
  • Annual Fee: ₹1,000
  • Why I Use It: For building long-term rewards and festive shopping.

4. Axis Bank My Zone Credit Card

  • Best For: Entertainment and lifestyle perks
  • Key Benefits:
    • Free SonyLIV Premium subscription
    • 40% off on Swiggy (T&Cs)
    • 1 Complimentary Lounge Access per quarter
    • Buy 1 Get 1 on BookMyShow (up to ₹200)
  • Annual Fee: ₹500
  • Why I Use It: Great for movie plans and casual Swiggy orders.

IDFC FIRST Bank Credit Cards

1. IDFC FIRST Mayura Credit Card

  • Best For: Lifestyle & premium design
  • Key Benefits:
    • 10X rewards on online spends & weekends
    • Lifetime free card
    • Airport lounge access & roadside assistance
  • Why I Use It: Stylish card with high rewards on digital spends.

2. IDFC FIRST Club Vistara Credit Card

  • Best For: Flight travel and Vistara loyalty
  • Key Benefits:
    • Complimentary Club Vistara base membership
    • Earn CV points on every spend
    • Complimentary lounge access
  • Why I Use It: Great for domestic travel and Vistara flyers.

3. IDFC FIRST Swyp Credit Card

  • Best For: Gen-Z & digital lifestyle
  • Key Benefits:
    • 10X rewards on online spends
    • Fuel surcharge waiver
    • Lifetime free
  • Why I Use It: Clean app experience, stylish design, and value-packed rewards.

4. IDFC FIRST Millennia Credit Card

  • Best For: Everyday purchases with high reward rates
  • Key Benefits:
    • 10X reward points on weekends & online spends
    • No annual fee
    • Instant discounts on partner brands
  • Why I Use It: Ideal for regular shopping & weekend spending boosts.

5. IDFC FIRST Digital Credit Card

  • Best For: Fully digital experience
  • Key Benefits:
    • A virtual card is issued instantly
    • Great for online transactions
    • Lifetime free
  • Why I Use It: Smooth onboarding and app-only card – good for controlled usage.

6. IDFC FIRST WOW Credit Card

  • Best For: Beginners & those new to credit
  • Key Benefits:
    • Secured credit card (FD-backed)
    • No annual fee
    • 4X reward points on all spends
  • Why I Use It: Good for building a credit score and getting rewards simultaneously.

HDFC Bank Credit Cards

1. HDFC Swiggy Credit Card

  • Best For: Food delivery and online foodies
  • Key Benefits:
    • 10% cashback on Swiggy app orders
    • 5% cashback on online spends
    • Complimentary Swiggy One membership
  • Annual Fee: ₹500 (Reversed on ₹2L annual spend)
  • Why I Use It: For regular Swiggy orders and max food cashback.

2. HDFC Tata Neu Infinity Credit Card

  • Best For: Tata brand shopping and the Tata Neu app
  • Key Benefits:
    • 5% NeuCoins on Tata brands (Croma, BigBasket, Air India, etc.)
    • Complimentary airport lounge access
    • 1.5% back as NeuCoins on other spends
  • Annual Fee: ₹1,499 (Reversed on ₹3L spend)
  • Why I Use It: Perfect for BigBasket groceries and Croma purchases.

3. HDFC Paytm Credit Card

  • Best For: Paytm app usage and daily utility payments
  • Key Benefits:
    • Cashback in Paytm First Points
    • Discounts on Paytm Mall & movie bookings
    • No-cost EMI offers on Paytm
  • Annual Fee: ₹500 (Often reversed with offers)
  • Why I Use It: Smooth integration with the Paytm ecosystem for utility and recharge spends.

ICICI Bank Credit Cards

1. ICICI Amazon Pay Credit Card

  • Best For: Amazon shopping and Prime members
  • Key Benefits:
    • 5% cashback for Amazon Prime users
    • 3% for non-Prime on Amazon
    • 1% cashback on all other spends
    • Lifetime free
  • Why I Use It: Hassle-free cashback on Amazon + no annual fee.

2. ICICI MakeMyTrip Signature (Mastercard)

  • Best For: Travel bookings via MakeMyTrip
  • Key Benefits:
    • 1,500 MMTBLACK points as a welcome gift
    • Free airport lounge access (4/year)
    • Travel discounts on hotels, flights, and buses
  • Annual Fee: ₹500 (Reversed on ₹2L spend)
  • Why I Use It: Perfect for planned trips and MMT discounts.

3. ICICI Coral Credit Card (RuPay Variant)

  • Best For: Everyday use with RuPay perks
  • Key Benefits:
    • Free domestic railway & airport lounge access
    • Buy 1 Get 1 movie offer on BookMyShow
    • Reward points on every ₹100 spent
  • Annual Fee: ₹500 (waived on ₹1.5L annual spend)
  • Why I Use It: Good mix of lifestyle benefits with RuPay coverage.

4. ICICI MakeMyTrip RuPay Credit Card

  • Best For: MMT travel bookings with RuPay benefits
  • Key Benefits:
    • Complimentary MMTBLACK membership
    • Lounge access + travel deals
    • Discounts on flights & hotels
  • Annual Fee: ₹500
  • Why I Use It: When I want to leverage RuPay + MMT offers together.

Kotak Bank Credit Cards

1. Kotak PVR Credit Card

  • Best For: Movie lovers and frequent cinema-goers
  • Key Benefits:
    • Free PVR movie tickets every month (based on spend)
    • Buy 1, Get 1 offer on PVR tickets
    • Annual spend-based waiver
  • Annual Fee: ₹500 (Waived on ₹50,000 annual spend)
  • Why I Use It: Great for getting free movie tickets without extra effort.

AU Small Finance Bank Credit Cards

1. AU LIT Credit Card

  • Best For: Customizing rewards and tracking via app
  • Key Benefits:
    • Choose your reward categories (travel, shopping, dining, etc.)
    • Real-time control via AU 0101 app
    • Free lounge access with add-on packs
  • Annual Fee: ₹0 to ₹499 (based on features chosen)
  • Why I Use It: Flexible benefits and total control make it fun and efficient to use.

🔄 More Cards Coming Soon

This is just the beginning. I currently use 25+ cards across various banks like HDFC, ICICI, SBI, IDFC, Kotak, and more. I’ll be updating this section regularly with more detailed reviews and experiences.

Stay tuned — or contact me if you want a personal recommendation.

⚠️ Disclaimer: Credit Cards I Use Personally in 2025 – By Deepak Thakur

This page is based on my personal experience. I am not a financial advisor. Please read the terms & conditions of the respective banks before applying.

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