MagicalNugget

Can you guys suggest one or two all rounder Credit Cards?

I have the following CCs

HDFC Millenia (it just lost its lounge access ability)
HSBC Visa Platinum
Axis MyZone Rupay Card (Converted from Flipkart Axis Card for Credit on UPI access)
IDFC First Millenia
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.

15mo ago

Talking product sense with Ridhi

9 min AI interview5 questions

SquishyQuokka

Gojek15mo

ICICI Amazon is hands down the easiest card to use.

MagicalNugget

Deloitte15mo

I have applied for it so many times over the last 2-3 years yet it keeps getting rejected

JumpyRaccoon

Stealth15mo

Agree. The best ever card if you're not looking for lounge access.

CosmicQuokka

Paralleldots15mo

Try to get a hdfc regalia and sbi cashback cc. For UPI use kiwi app it's virtual rupay cc.

FloatingBurrito

Gojek15mo

Hdfc now provides a virtual rupay card on all its credit cards, though kiwi has better cashback.

BubblyCupcake

Stealth15mo

HDFC is providing virtual rupay?

ZippyPancake

Stealth15mo

Axis Ace is a good starter card. 2% guaranteed cashback across the board

BubblyHamster

Stealth15mo

you can get an additional 1% cashback if you pay a credit card bill through HDFC

DerpyPickle

Stealth15mo

How? I have an axis ace and hdfc tata neu. Can I get this too?

SparklyBiscuit

Tekion15mo

One card is also good

MagicalNugget

Deloitte15mo

I tried for OneCard but they say they have no offers for me.

ZoomySushi

InfraCloud15mo

Try via onescore

SquishyTaco

UiPath15mo

Amazon ICICI LTF + Flipkart Axis LTF for shopping Scapia LTF for unlimited lounge access

FuzzyWaffle

Stealth15mo

Any cons of scapia? It sounds too good to be true 😅

GigglyTaco

ZS Associates15mo

No international lounge access. Also some condition on spending every quarter.

SparklyDumpling

Oracle15mo

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.

DizzyLlama

Atlys15mo

Ultimate is quite decent, but the reward redemption doesn't offer that many options

SquishyMuffin

Stealth15mo

@BelovedHire9 is regalia life time free for you?

MagicalLlama

Stealth15mo

Sbi Cashback HDFC Millenia Amex MRCC Axis Ace

CosmicSushi

Bosch15mo

Covers everything.

CosmicPotato

Nielsen IQ15mo

SBI cashback card - Online spends 5% SBI BPCL Octane - Offline spends and petrol HDFC TataNeu Rupay card for UPI

CosmicPotato

Nielsen IQ15mo

& IDFC select for lounge access You can replace BPCL Octane with IDFC power+ if you refill from HP petrol pumps

MagicalNugget

Deloitte11mo

@Tr0jan All banks are refreshing their CCs. Some are getting downgraded as well. Lounge Access is now spend based on a lot of cards.

GoofyJellybean

Citi Bank15mo

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.

GoofyJellybean

Citi Bank15mo

To understand better, please feel free to DM

MagicalNugget

Deloitte11mo

@SebastianVettel I think I have more than 30K spend per month as I make all my bill payments through CCs.

FuzzyDonut

Stealth15mo

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.

MagicalNugget

Deloitte11mo

@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?!

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