Best credit card for ~₹44L/year GST + Income Tax payments? Prefer something relatively easy to get
Looking for a credit card primarily to get some benefit from my GST and Income Tax payments. I’m not a heavy credit-card user otherwise.
Current cards:
Amazon Pay ICICI
AU Royale CA Credit Card
ICICI Coral RuPay
CIBIL: [775+]
Age: [35]
Employment: Chartered Accountant / Self-employed
Monthly income: [9-10 lakhs]
Major spending pattern:
GST payments: ~₹2 lakh/month (~₹24L/year)
Income Tax/Advance Tax: ~₹20L/year
Other credit-card spending is relatively low
Total tax payments: ~₹44L/year
What I’m looking for:
A card that gives the best net benefit on GST and Income Tax payments, after considering convenience/payment gateway charges.
Cashback, reward points, milestone benefits, etc. are all fine. I’m also okay with a high annual fee if the overall return justifies it.
I have an existing ICICI banking relationship, so an ICICI card may be easier to get. However, I’m open to other banks if the rewards are significantly better.
I’ve seen HDFC BizBlack recommended for tax payments, but I don’t have an HDFC banking relationship and am unsure how difficult it would be to get.
At ~₹44L/year of tax payments, which one or two cards would you recommend?
Would particularly appreciate suggestions from people actually using credit cards for GST/advance-tax payments.