Credit Cards -> Perfect Credit Card Mix to have for ALL TIME REWARDS and all SEASONS at this point

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Last Comment 2024-02-17

2024-02-16

Any Suggestion? to add more cards to find that perfect credit card mixes

Hey there Dimers, just need suggestion on what is the perfect "balanced credit card mix" one could have in their credit card journey for future

As in rewards, forex rate, insurance, pharmacy, online spends, lounges, grocery, entertainment, moves, bill pay, cashback... etc

I already hold 4 CREDIT Cards (need to add more cards so please suggest)

1. Lifetime Free - HDFC Diners Club Business Money back Credit Card - this card is useful for growing up in HDFC ladder for better card in future and Auto bill pay in HDFC bill pay portal

1a. Lifetime Free - HDFC BANK BIZ UPI CREDIT CARD (floater card) - this card is useful for UPI rupay

2. Lifetime Free - Axis Myzone Visa Credit Card - this card is useful for general spends and movie ticket (not much useful as edge reward system sucks from axis not worthy reward system) - just keeping for the sake of some limit

3. Lifetime Free - IDFC First WOW Credit Card (FD Backed Secure Card) - this card is useful for forex 0%

4. 500+GST - SBI Simply SAVE Credit Card (with 1 lakh spend waver on annual fee) - this card is useful for grocery - also rupay so UPI useful

So any more NEW CREDIT CARDS to add to this list ?

hmmm

Any Suggestion? to add more cards to find that perfect credit card mixes

Disclaimer

We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.

Top Comments

https://www.desidime.com/discussions/credit-cards-perfect-credit-card-mix-to-have-for-all-time-rewards-and-all-seasons?page=1#post_9886306

MrThanos

2024-02-16

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There is nothing called Perfect mix. You will miss something at some point.

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6 Dimers

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https://www.desidime.com/discussions/credit-cards-perfect-credit-card-mix-to-have-for-all-time-rewards-and-all-seasons?page=1#post_9886306

MrThanos

2024-02-16

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There is nothing called Perfect mix. You will miss something at some point.

https://www.desidime.com/discussions/credit-cards-perfect-credit-card-mix-to-have-for-all-time-rewards-and-all-seasons?page=1#post_9886364

DEEPANGEORGE

2024-02-16

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True:) would be nice to know set of perfect mix at "this point of time", as perfect mix keep on changing for sure as offers and time updates

https://www.desidime.com/discussions/credit-cards-perfect-credit-card-mix-to-have-for-all-time-rewards-and-all-seasons?page=1#post_9886321

GautamgR

2024-02-16

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ICICI Card...Any LTF...ASAP

Pref AmazonPay Card

You will miss out on sales without it.

Ofc, We should only apply for cards we have use for..not as a luxury

https://www.desidime.com/discussions/credit-cards-perfect-credit-card-mix-to-have-for-all-time-rewards-and-all-seasons?page=1#post_9886369

DEEPANGEORGE

2024-02-16

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Ya never apply cards for luxury indeed, not at all good

But i do apply some cards for no reason if its LTF to increase my overall credit limit availability to reduce credit utilization ratio for better personal loan offers (with less interest percentage)

so its win - win for personal loans even if we apply no use cards if its LTF

Since i use personal loans for money rotations (btw not laundering just rotation)