Credit Card Suggestions
I want to apply for credit cards but I'm not sure which one I should be apply for. Can you suggest me with credit you guys use and found them useful in terms of benefits and stuff. And in general what all should I consider before choosing and applying for one.
OnlyDebits
Stealth
a year ago
Simple formula:
Have 1 no BS cashback card. Amazon ICICI especially if you're a prime member. HDFC swiggy if you eat out a lot. HDFC Millennia as all rounder. Axis Airtel for CB on all bills + gives 10% CB on Swiggy Zomato BB
Have 1 reward points card depending on where else you spend. I have AmpliFi CC from Fi coz I work here. Rewards me on my top 3 brands every month and I accumulate enough Fi coins from that + salary member that I redeem 500/- amzn voucher every month. Also heavy discounts on EMT + BMS.
Recently got Amex Travel Plat FYF to build up reward points for future travel.
In short, 1 CB card (no perks necessary, ideally free) and 1 valueback card (need perks like milestone rewards and lounge access etc, okay if paid)
More than these 2-3, nobody needs except for very very high spenders. Don't spend on anything you wouldn't spend on without a CC, and focus on growing income, not accumulating reward points 😌
Very insightful, I started with hdfc milinia and upgrade it to regalia gold. Thinking of getting a forex zero card, applied for fi but due to email mismatch they won't allow me as I already have a federal account with indMoney. So was thinking of scapia.
Some of the previous posts on this could be helpful - just sharing the top 2
Checkout this post on Grapevine - https://share.gvine.app/mZTm5PiaJmy4JabP8
Checkout this post on Grapevine - https://share.gvine.app/M8iNLznhgpTBdqYv9
BiryaniEnthu
Stealth
a year ago
HSBC Visa Platinum
It is free, and get your vouchers of Amazon & Swiggy.
I got it thinking, just incase. But have shopped 1L+ on travel sites, because it gets all the discounts
Depends on what you want these for. You should list where you'd use those so people can give you the right feedback basis rewards / cashback.
My recommendation that everyone needs:
1. ICICI Amazon Pay (burner card, online spends, keep limit sub 1L to avoid fraud / abuse).
2. Axis Kiwi Rupay - for UPI on credit. Virtual card.
3. Main card - depends on your spend / patterns.
I want them for rewards, online shopping discounts, travel booking discounts etc.
Also less or no joining fee would be good.
Apart from that I'm not sure what else i need to consider. 😅
I've been using Amex MRCC credit card for most of my spending which are around ₹20k in most of the months. You can redeem their Membership Reward (MR) points to airlines miles, gift vouchers etc at a very good rate (~10%). Feel free to reach out on WhatsApp to know more details regarding it: 9911626956.
Amex referral (First year free for you + 2000 added bonus points on spends of ₹5000): https://americanexpress.com/en-in/referral/hARShGuqru?XL=MNANS
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