CREDIT CARD SUGGESTIONS
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1. Axis Ace 500 AF
2. HDFC Indian Oil LTF
3. Flipkart Axis LTF
4. Amazon Pay ICICI LTF
5. SBI SimplyClick 500 AF
6. ICICI Platinum LTF
7. SBI Cashback 1000 AF
Axis Ace and SBI Cashback registered on my mother number. Would like your suggestion if i should get few better card available in market or either upgrade or convert existing if possible ?
Few i would like to consider are
1. Airtel Axis
2. HDFC Swiggy
3. HDFC Millenna
Kindly suggest what would be best and what would be impact on my Cibil Score.
Existing Limits are 1L-1.5L and age of cards are 3Y-4Y, Cibil 750+, Salaried 60k-70k.
Kindly Suggest and Guide.
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However, ask yourself this - Is your time worth the few hundreds to thousands rupees you will be saving compared to the time you'll be spending on "managing" the new CC? You might say "What management?".
1. You will get SMSes and emails for each of your CCs. You need to read and delete those.
2. You will receive monthly statements. You need to carefully review them and track them to pay before due date or delete them.
3. If there are cashbacks or points you need to track them too. If they go missing you need to follow up with customer care.
4. If there are annual spend based waivers then you need to keep a track of the annual expenses too. 5. And then every time you need to make a purchase, your brain has to process which of the dozen cards will give me the maximum savings.
I personally believe no one should have more than 5 CCs at the most unless their time is cheap. 3 is the optimum number.
I joined the gold rush and availed many credit cards over the years, mostly LTF. Only to realise that I barely used any of them of late.
Right now, the only three cards I use are
1. HDFC DCB metal - for all gift cards, hotel bookings, rent pay and few general expenses I reach monthly and quarterly milestones
2. Axis atlas - all flight bookings and other general expenses
3. Amex platinum charge - mostly lifestyle orders from rewards xcellerator partners such as tata cliq, tata cliq luxury and Air India. Or card specific offers. Mostly availed for joining bonus of 135k points plus marriott gold membership which already paid back lot more worth than what I paid as annual fees
You already have the best set:) of cards:), hardly i find anything better than this for common usage
How u get axis fk as ltf?
There was a time when they offered, sadly it wasn't pre-approved for me then, never bothered to apply again...
You already have cards which will reward you for most of your expenses.... anyways please mention what are your requirements and preferences so it can give better idea what you are looking for. Like do you have airtel connection mobile , dth etc? If yes then airtel axis is definitely you should get. You didn't explain why are you considering hdfc swiggy/millennia. do you spend on swiggy food/instamart?