
Suggest me a good credit card
I'm not able to decide on a good credit card. Can anyone suggest one this to me? My spends
- Grocery (zepto, Flipkart)
- Flights
- Petrol
- Occasionally e-commerce
- Bookmyshow
- International saas subscription
- Rent (optional)
...
Main spends: Food from Swiggy (quite a lot) Groceries from Instamart/Zepto One flight round trip per quarter to home Going out for food maybe once a week
Any advice? How do I approach this?
@Micheal_Scott -
my dad uses these.
SBI IRCTC Axis Flipkart Axis privilege Axis Neo RBL Bajaj finserve SBI simply save IDFC first select RBL lazypay Hdfc millenia Yes Bank prosperity business
Unpopular advice - Stop ordering so much from swiggy , not good for health.
Credit card - You can try IDFC Wealth card, HSBC cashback card, Citi Rewards. Always go for LTF if not a big spender.
Haha thanks for the advice. I tend to agree generally eating out is not so good for health but I also mostly order very healthy stuff. I’ve eaten outside food for 3-4 years now and generally been healthy. It’s a habit from my time living in the US and working in a company that provides food
Hear you on the CC advice :)
Ask in Technofino community. Icici amazonpay would be an all rounder card & good start I think. Then u can optimise per category unless u can get premium cards like Infinia. If spends are mostly online then maybe SBI/HSBC cashback
The spends tab is so relatable! 🙌
HDFC Swiggy card is a good places to start with. Though it has a ₹500 joining fee, considering you order from Swiggy/Instamart a lot you’ll get 10% cashback upto ₹1500 per month (Also applies to Dineout payments).
So maximum cash back is like 18000 over a year? And this is over and above any other discount codes I may get?
Yes. The 10% cashback is capped at 1500 per month(18k per year). You’ll get the cashback in form of Swiggy money. So can only be used for spends in Swiggy.
I'm not able to decide on a good credit card. Can anyone suggest one this to me? My spends
...
Spend around 10k on flights, 10k on dining out+swiggy, utility bills around 5k, shopping around 10k. Good credit card recos. I would love to get flight redemption points.
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