What credit cards are you using ?
What all credit cards do you use and what benefits you get from those ?
Uni NX Wave.
1% CB on spends.
0% forex fee.
5x rewards.
Customised card.
No joining, annual or renewal fee.
Diners black, axis magnus, icici sapphiro for now. Also have an amex mrcc for a few rewards. Spends have fallen now so primarily -
- Vouchers- split between magnus and dcb
- Travel- international via magnus, domestic dcb (due to the 25k cap per month)
- Movie tickets- magnus
Icici and the other amex are for some of the discount campaigns they run in between
Wow. You have top tier cards from 3 banks already. I tried for Magnus but it feels expensive due to annual fees.
SBI Cashback Card for all online spends: 5% cashback on everything. Stopped using Amazon ICICI card after getting this.
HDFC Diners Black for all offline spends: 3.3% rewards
Diners Black again for travel: ~10% rewards on flights, hotels etc. using SmartBuy
Awesome. Thanks
Also Diners Black is one of the few cards giving unlimited lounge accesses now. Don't know till when.
ICICI Coral and Axis Neo, both are Visa
Airtel Axis: 25% off on Airtel bill payments and 10% off on utilities. APay ICICI: 5% discount on Amazon with no capping. ICICI Coral Rupay for UPI, Amex for some offers, and have Visa one as well. ICICI Platinum: Useless Well, apart from Apay, ICICI cards are pretty much useless in terms of rewards, but come handy during sales.
Haven't optimized much - All ICICI Bank Cards, Amazon ICICI (Amazon Purchases), AmEx ICICI (Amex specific offers) Whatever benefits I can get from these, I get
Should optimize
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 point to airlines miles, gift vouchers etc at a very good rate. Feel free to reach out on WhatsApp to know more details regarding it: 9911626956. Also it's the first year free so that's also an added bonus.
Well I got magnus first year free and will only renew if it's free. The icici and hdfc are ltf for me hence those 3
My favourite was the Uni Card 1/3 which closed. I used to put all my big expenses on 1/3, which helped me better with Cash flows.
I have Diners black, IDFC first wealth, Amex MRCC, One Card now. I used DCB for everything and idfc add-on RuPay card for UPI payments