Can you guys suggest one or two all rounder Credit Cards?
I have the following CCs 1. HDFC Millenia (it just lost its lounge access ability) 2. HSBC Visa Platinum 3. Axis MyZone Rupay Card (Converted from Flipkart Axis Card for Credit on UPI access) 4. IDFC First Millenia 5. SimplyClick SBI VISA But I want to replace all of these with one or two all rounder cards that gives me a wide variety of benefits (cashback, lounge, discounts, international payments, etc). Request you all to put down your suggestions.
Axis Ace is a good starter card. 2% guaranteed cashback across the board
everything
Stealth
9 months ago
you can get an additional 1% cashback if you pay a credit card bill through HDFC
PricklyFax34
Stealth
9 months ago
How? I have an axis ace and hdfc tata neu. Can I get this too?
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Standard chartered ultimate. Very good reward system.. 1rp=1rs. + golf + 12-12 domestic and priority pass lounge, etc.
I have 1) Regalia gold due to salary acc
2) Standard chartered ultimate my favorite
3) amazonpay icici vgood for amazon shopping.
Ultimate is quite decent, but the reward redemption doesn't offer that many options
PaiseKaBhuka
Stealth
9 months ago
@BelovedHire9 is regalia life time free for you?
SBI cashback card - Online spends 5%
SBI BPCL Octane - Offline spends and petrol
HDFC TataNeu Rupay card for UPI
& IDFC select for lounge access
You can replace BPCL Octane with IDFC power+ if you refill from HP petrol pumps
@Tr0jan All banks are refreshing their CCs. Some are getting downgraded as well. Lounge Access is now spend based on a lot of cards.
Try to get a hdfc regalia and sbi cashback cc.
For UPI use kiwi app it's virtual rupay cc.
Hdfc now provides a virtual rupay card on all its credit cards, though kiwi has better cashback.
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one_for_all
Stealth
9 months ago
I would suggest going for millennia. Sure it lost its lounge access, but that's a core hdfc bank card. Based on this foundation you can climb up to DCB. And for other offers, you may take tata neu hdfx, it has the best lounge offer ig.
Above anything, try to keep a core card and build around it.
@one_for_all Good suggestion but I am seeing online everywhere, people are using 500 different cards, redeeming points and getting free stays in a lot of 5 Star hotels. How do people even keep track?!
Eco
Stealth
9 months ago
Amazon ICICI LTF + Flipkart Axis LTF for shopping
Scapia LTF for unlimited lounge access
Idontknowwhattodo
Stealth
9 months ago
Any cons of scapia? It sounds too good to be true 😅
No international lounge access. Also some condition on spending every quarter.
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MuddyWave
Student
9 months ago
Tata neu infinity hdfc is also good one
PricklyFax34
Stealth
9 months ago
How are you making good use of it? I dont have much to buy on tata neu, is it still useful?
I have compared all major Cashback Cards and their Return Rate in an Excel File. Just download and enter your expenses to check the returns.
https://shorturl.at/ftAIP
SBI Cashback for 5% cashback on online purchases and HDFC Neu Infinity for 1.5% on UPI and offline purchases are two great cards if you don't want to go deep into the rewards game. Would also recommend Axis Airtel CC for 10% cashback on Swiggy, Zomato, utility bill payments as a third card.
I got a LTF Diners Club Black card which is hard to get now so that takes care of lounge access for me.
It's hard to suggest/recommend cards without knowing your spend patterns.
@Silver I usually pay all my bills and rent using CC. I use HDFC card primarily for shopping. There was a time when I used to spend a lot of money on CCs and blow beyond budget but now, I have got it control. Also, now that all banks are revising their CCs, I am thinking better to go for something like DCB or Amex. Not sure if I will get DCB as LTF though.
SBI Cashback Credit Card + Amex MRCC + Amex Gold Charge trifecta is what you'll be able to utilise fully if you have ~30k monthly spends or less.
@SebastianVettel I think I have more than 30K spend per month as I make all my bill payments through CCs.
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HappyFeet92
Stealth
9 months ago
I have
1. Axis Magnus
2. ICICI Amazon card
3. HDFC Infinia
Will stop Magnus in next 1-2 months. More than happy with the remaining 2 cards - I know I might not be optimizing but gives me less mental headache
What's your average monthly expense on CC and how often do you have major expenses (let's say 15-20k+ spends)
@DiwaliBonus I usually pay all my bills on CC only. Rent, Broadband, Mobile, etc. So it easily goes beyond 20K.
I use Swiggy HDFC credit card, and it gives me 5% cashback across everywhere Flipkart, Amazon , ola etc along with 10% cashback on Food & Groceries. Why don’t you try that?
@CaptainSparrow Yes. I have got that card at the moment. Using it as well but there is a cap on the cashback which feels like cheating.
SBI Cashback (5% on all online shopping)
Airtel axis (best for bill payments, swiggy, zomato, bigbasket)
Tata neu infinity (tata brands, UPI payment)
What do you prefer cashback or points? Do you want to get into optimising to the last 1-2%. What ur annual spends looks like, these are important to know if you want good card suggestion
@SuperCoinCollector I mean, from what I am seeing, most reward point conversion are completely useless. It's not like I am buying from Amazong every now and then. I want to be able to retain my reward points and redeem for stays when I travel. I think that will be most helpful.
ShySender98
Stealth
9 months ago
I found this interesting thread on Twitter which mentions the best card in each category & best cards to hold across categories
https://twitter.com/cards_wizard/status/1721172073530433897?t=L2MJyxlDyGflvd_DNUHXmw&s=19
Engg
Stealth
9 months ago
Page doesnt exist, can you share an updated link?
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