Credit Card Strategy - How to get maximum benefits?
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I have the following cards between me and my brother.
1) SBI Prime
2) ICICI Amazon Pay
3) ICICI MMT Signature
4) Kotak Essentia
5) Kotak Royale Signature
6) Standard Chartered Manhattan Platinum
7) Standard Chartered Digi Rewards
8) SBI Ola Money
9) Citi Rewards
10) Citi Indian Oil
11) RBL ETMoney Loan Pass Card
12) HDFC Millenia
Which ones to -
1) add
2) delete from portfolio.
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Can you explain sbi simply click giving 7.5 percent on Amazon
Will we get 5% even on electricity bill payment on yono?
No. See the pic posted above for excluded categories for yono offer.
Decide card as per where do u spend the most..having so many cards is a headache to keep track of payments.. n if you miss….oh boy.. the bank will recover more than u have saved with them
If you r primarily shopping on Amazon – amazon ICICI + SBI are good to have. But if you are shopping on Myntra n zomato, then SC digismart is good to have… SC manhattan is good (5% cashback) if you shop for a lot of groceries directly at the stores (Natures Basket, Fine foods, Big bazaar n all)..mostly I order groceries via bigbasket and typically citi rewards + payzapp wallet gives a better deal at the comfort of my home.
You can read siddharth’s blog on credit cards n keep the ones which suit your spending pattern – https://www.cardexpert.in/author/sidd...h/
For cashback on bill payment – Use Payzapp – 5% cashback on(electricity/ rent/water) & 10% cashback on DTH & mobile bill payment (pre-paid n postpaid)
You can use HDFC Millenia to load the wallet – Gives 1% cashback .. I have SC ultimate which give me a 3.3% return. Total saving is min 8.3% on bill payments 
agree with most part
for electricity bill and sometime shop payment ; amazon pay upi is better sometime . local tea cost me 15-8=7 Rs
got electricity bill discount of 16% on amazon flat upi ; bill amt was low too
@demerius2020
how you are getting 16% discount on elec.bill payment? there are no offers in my account.
is it user specific offer?
+ 1
The amazon UPI good offers have almost vanished..the only ones left are where is allows me to win between 1 -100 bucks – n with my luck i dont seem to win beyond 2 rs
I use amazon icici card which gives 5% unlimited cb on insurance and 1% unlimited on gold 2% on bill payment in Amazon 1% on bill payment in payzapp any how payzapp giving 5%
Amazon cashback for insurance paymnet is 5% ? Are you sure ?
@mihir2812711 if you are open to credit cards with yearly fees, you can try for HDFC Diners Black.
Best card and it would replace your SBI prime and may be many other cards. Annual fees is high but waiver at 5L. So, if can spend 5L+, it will be a no brainer.
Your SBI prime is a paid card, right ?
Diners black is still some time away.
Based on opinions here, I am planning to close Prime (3.5K cost which is reversed based on spend) and Millenia (1K fee which is also reversed) and get Diners Club Privilege (2.5K fee) and AMEX MRCC (free first year and renewal will also be free based on spend).
Diners Privilege is my gateway to Diners Black. MRCC is gateway to AMEX Gold. Eventually plan to do (1000*10) transactions every month and accumulate rewards jointly.
Please advice.
anyone tell best credit card to refill payzapp/pocket wallet – they dont have amex option and sbi wont give point on wallet reload
Hdfc Millenia gives rewards for wallet loads
which card will give maximum benefit on flipkart for flight booking ?
Reward point will adjust in next billing cycle, now they are doing.
SBI Ola is going to be closed before annual fees.
HDFC Millenia, Kotak Royale Signature and SBI Prime are on hit list.
Millenia first year has extra benefits like for every 1L spend we get 1000 Rs Amazon voucher. Will use that and let it go.
I am looking for spend based milestone reward card. There is extra spend of 2L in next 6 months in addition to routine spends. Please suggest some card.
SBI simplyclick gives 2k cleartrip voucher for 1 lakh online spend & another 2k cleartrip voucher for next 1 lakh online spend so total 4k cleartrip vouchers for 2 lakh online spend & also annual fee is waived on spending 1 lakh(online & offline total).
1)add amex MRCC (3.5%),SBI simplyclick(7.5% on amazon)
2)everything else which is not free except citi rewards;
keep kotak essentia only if you have shopping of large amount/month