Category
Anything else
The default swipe when a spend fits nothing above — ranked purely on each card's 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.