🏆 The Credit Card Awards 2025 – Final Results 🏆 🥇 Category: Most Overrated Credit Cards 💳 Here are the 3 most overrated cards in India right now for the 2025 as per the Voting done by the community 🥇 The "Travel Trap and Referral Hype" (Scapia) • The Pitch: Unlimited domestic lounge Zero Forex. • The Reality: You need to remember and spend 10k (20k in other partner banks). Spend separately for addon. Many airports only have ₹500 shopping. One day you have a ₹5L limit, the next day it’s ₹20k. They slash limits faster than you can book a flight. • Verdict: A travel card you can't rely on without remembering to spend every month. All about Referral benefits, the rest is the Hype only for non frequent travelers and small town people. 🥈 The "Glorified Coupon and Membership Book" (Amex Platinum) • The Pitch: "Status," metal form factor, and service. • The Reality: You pay ₹70k in fees to spend your weekends tracking yearly status and events just to break even. Plus, "Sorry sir, we don't accept Amex" is the most common phrase you'll hear offline. • Verdict: It’s a lifestyle subscription, not a rewards card for Many. 🥉 The "Shiny Good Looking Object" (IDFC FIRST Mayura) • The Pitch: It’s metal! It looks premium! • The Reality: The reward rate does not justify the annual fee or the reserve requirements. You are paying a premium purely for the weight of the card in your wallet. • Verdict: Aesthetic: 10/10. But that's it, the card becomes not useful after renewal as no renewal benefits. tripsta is costly. Only good for zero forex backup and interest free atm withdrawal abroad. Honourable Mention - Indusind Legend. The only legend about this card is the Name, the rest is just a show.