Category
Anything else
Everything that does not fit a category above. Ranked on each card's plain base rate.
No card in your wallet earns rewards on anything else yet.
When you add a card that does, it will rank here automatically.
Best in market
For 'everything else' spends the 2026 market splits into premium 3.3% points cards and attainable ~1.5% pure-cashback cards. Several premium options tightened criteria in April 2026. · Top-tier picks from the whole Indian market, researched 7 Aug 2026.
Standard Chartered Ultimate
Flat 3.33% reward rate on ALL spends. No categories, no caps
₹5,000 + GST
5 points per ₹150 with 1 point = ₹1 gives a genuine 3.33% on every rupee, the best openly-applicable flat rate in India. Also carries a low 2% forex markup.
Assumes ₹1/point via the 360° Rewards portal. Redemption is limited to vouchers/merchandise (no statement credit), points expire in 3 years, and eligibility skews high-income. Catalogue quality has degraded per user reports.
HSBC Live+
Unlimited 1.5% true cashback, auto-credited, on all non-excluded spends
₹999 + GST, waived on ₹2L/yr
The best attainable pure-cashback base card: uncapped 1.5% credited to statement within 45 days with no redemption games, plus the 10% category bucket on top for dining/grocery/shopping.
Fuel earns 0% and standard exclusions (rent etc.) apply to the 1.5%. Metro-city issuance and a high income requirement limit availability.
HDFC Bank Infinia (Metal)
3.3% flat on everything (5 points/₹150 at 1:1 value), stretchable to 6.6-16% via SmartBuy
₹12,500 + GST, waived on ₹10L/yr
Still India's benchmark flat-rate card: 3.3% assuming 1 point = ₹1 on SmartBuy flights/hotels or Apple products, with 5X SmartBuy accelerators pushing effective returns far higher for travel bookers.
Invite-only, high-income card. From 1 Apr 2026 HDFC requires ₹18L annual card spend or ₹50L total relationship value to retain it, else downgrade/discontinuation. Monthly SmartBuy redemption caps apply.
Your wallet · Anything else
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on anything else. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on anything else at your spend. raw rates, before caps.
Every card in your wallet is excluded from anything else. See the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check: does each card pay for itself?
Value is still counted across your whole wallet, not just this category. a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above. The numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.