What all credit cards do you use and what benefits you get from those ?
I have multiple cards that i have got in last 3 years and i love to optimise my usage to get a return of upto 10 - 15% depending on the card and category of purchases,
What’s yours?
Everyone using a credit card has a reason why they chose that particular card; what is your reason?
Suggest good credit cards which you are personally using. Both which are free & have annual charges.
Do mention which use case it is best for: -online spends -offline spends -foreign transaction -fuel spends
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 -
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.
