I Finally Found the Best Credit Cards After Devaluation (2026)
Video Overview & Insights
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The last 12 months in the Indian credit card space have been brutal — almost 50% of the cards in a typical wallet have seen some form of devaluation, from Axis to American Express to SBI, and even Infinia ended up with new spend and TRV requirements. In this video I cut through the noise and tell you exactly which cards have survived the 2025-2026 devaluation wave and continue to remain genuinely attractive from an earning and spending standpoint. I cover the best travel cards (HSBC Travel One vs Axis Horizon), the top cashback cards (SBI Cashback, Amazon Pay ICICI, Bank of Baroda Eterna), dining and grocery picks (HSBC Live Plus, HDFC Swiggy Black, HDFC Tata Neu Infinity), hotel cards (HDFC Marriott), and fuel cards (SBI BPCL Octane, IDFC HPCL, RBL IndianOil). I also share the exact cards I personally carry in my wallet right now.
Apply for your favourite cards:
Banks watching this video and thanking Niraj for giving them ideas
HSBC Travel One Card - https://tinyurl.com/ypxks2wd
Axis Horizon Card - https://tinyurl.com/ytaydpdf
You missed several categories: utilities, travel (within city), dining, movies, broadband and phone recharge.
Ab kar hee rahe ho to ache se karo please.
SBI Cashback Card - https://tinyurl.com/784v6tmx
Bank of Baroda Eterna Card - https://tinyurl.com/krepd7fb
Any suggestions on continuing with ICICI Emeralde Metal card please?
HSBC Live Plus Card - https://tinyurl.com/3sc4x96x
HDFC Swiggy Black Card - https://tinyurl.com/ana6mtcz
Aadhar Card
HDFC Tata Neu Infinity Card - https://tinyurl.com/3pth353c
HDFC Marriott Credit Card - https://tinyurl.com/7txb5c63
whos watching after hdfc devaluation
SBI BPCL Octane Card - https://tinyurl.com/4zrw5jfs
RBL IndianOil Card - https://tinyurl.com/yp87hwkj
what about Amex Rewards if we get referral
IDFC HPCL Card - https://www.idfcfirst.bank.in/credit-card/ntb-diy/apply?utm_source=Affiliate_55_1&utm_medium=Publisher_Display&utm_campaign=Nirajdugar
HDFC Regalia Gold Card - https://tinyurl.com/2m6u6pku
I believe Infinia is also valueable!
Axis Flipkart Card - https://tinyurl.com/ytaydpdf
Axis Neo Credit Card - https://tinyurl.com/ytaydpdf
Waiting for Regali gold card
Scapia Credit Card - https://tinyurl.com/45xckevf
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how's sbi phonepe select black card against the sbi cashback
Reach out to me: niraj@holisticwealth.in
HDFC Tata Neu Credit Card -
Hi sir please make video credit card bill payment
https://www.tatadigital.com/v2/finance/creditcard/product-detail?referralCode=NIRA147&utm_content=NIRA147&utm_source=ReferralModal
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Any suggestions if I should close my axis Atlas ?
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Hi, sir. A detailed video on HDFC REGALIA GOLD, please.
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Any news about the forex offer of HSBC T1 being extended beyond 30th June?
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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!
TIMESTAMPS
0:00 - 50% of Wallet Cards Got Devalued in 2025-26
0:33 - Cards That Survived the Devaluation
1:21 - Travel Cards: HSBC Travel One vs Axis Horizon
2:23 - Cashback Cards: SBI Cashback & Amazon Pay ICICI
3:04 - BOB Eterna, HSBC Live Plus & HDFC Swiggy Black
3:47 - Hotel Cards: HDFC Marriott & Tata Neu Infinity
5:04 - Fuel Cards: SBI BPCL, IDFC HPCL & RBL Indian Oil
5:32 - Cards I Personally Hold in My Wallet
5:49 - Bonus Mentions: Regalia Gold, Axis Flipkart & More
#creditcard #creditcardrewards