help me choosing credit card

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I own 3 credit cards.
1. Sbi simply save
2. Apay icici LTF
3. Regalia First LTF

I use SBI for offline grocery usage at big bazaar and D-Mart. I am thinking of applying Axis Ace and close SBI if Axis is approved as both has same annual fee but Axis requires 2L spend based fees reversal in comparison to 1L of SBI.
I will be at loss of .5% on groceries but can earn 2% on clothing and other stores.
Is this decision good or not please advise me.
On the other end i am going to ask hdfc to upgrade to Regalia LTF if possible.

24 Comments  |  
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I would suggest you replace simply save to tata titanium card as later gives 3% on groceries and departmental purchases and 1% all other. If changing the the varient is possible.

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Tjs15 wrote:

I would suggest you replace simply save to tata titanium card as later gives 3% on groceries and departmental purchases and 1% all other. If changing the the varient is possible.

Thanks for suggestion. Titanium is good option in same annual fee. Is titanium allowed for online SBI card offers?
What interested me is 2% everywhere, as clothing stores, non grocery registered stores and online.

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casf.amritsar.punjab9 wrote:

Thanks for suggestion. Titanium is good option in same annual fee. Is titanium allowed for online SBI card offers?
I am interested in 2% everywhere, as clothing stores, non grocery registered stores and online.

Yes i have been using it for all the sbi offers on amazon n Flipkart, and best part is you get 1% cashback for these purchases along with 10% discount offers. And you can check the cashback rates as i am only aware of groceries n departmental its 3%

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SBI IRCTC Rupay credit card’s annual fee is Rs. 300 and no joining fees currently. All online offers applicable.

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How much shopping/Bill Pays are you expecting to do yearly on cards (Excluding Apay card)

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Sudarshan61 wrote:

How much shopping/Bill Pays are you expecting to do yearly on cards (Excluding Apay card)

Around 3-4 lac total usage on all cards. I just got Apay last month. 3-4 lac includes bills, insurance, groceries, etc

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Among these Amazon pay is best..and replace simply save with simply click(much better for online shopping)

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ashu3850313 wrote:

Among these Amazon pay is best..and replace simply save with simply click(much better for online shopping)

I am looking for something that covers offline spends and random online spends outside amazon and Flipkart.

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casf.amritsar.punjab9 wrote:

Around 3-4 lac total usage on all cards. I just got Apay last month. 3-4 lac includes bills, insurance, groceries, etc

Just go for Ace card.
Ace + Apay should be enough…plus other card just to get bank offer from time to time
Ask for HDFC card upgrade and keep buying Amazon giftcard when ever we have HDFC offers..also dont forget to use PayZapp +Ace card

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casf.amritsar.punjab9 wrote:

I am looking for something that covers offline spends and random online spends outside amazon and Flipkart.

Where Offline ? If u do shopping from big bazzar then go for sbi styleup card 10% cashback at bigbazzar.. For oil filling use Sbi bpcl card

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Worst is Regalia First in this list even Though I have this card.

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ashu3850313 wrote:

Where Offline ? If u do shopping from big bazzar then go for sbi styleup card 10% cashback at bigbazzar.. For oil filling use Sbi bpcl card

I spend around total 40000/year from D mart for bulk grocery purchase every quarter. Shop grocery from Local sellers and other branded stores like Bigbazar, reliance, easyday, etc on the go. Some shopping in stores for clothing , home decor , vehicles services, ect. Other than this mostly I spend online.

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soccergiants wrote:

Worst is Regalia First in this list even Though I have this card.

Its given with my account LTF. So nothing to loose. Will upgrade if they allow.

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Sudarshan61 wrote:

Just go for Ace card.
Ace + Apay should be enough…plus other card just to get bank offer from time to time
Ask for HDFC card upgrade and keep buying Amazon giftcard when ever we have HDFC offers..also dont forget to use PayZapp +Ace card

Is there any limitation/cap in ACE rewards? Hows AXIs compare to SBI in general?

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casf.amritsar.punjab9 wrote:

I spend around total 40000/year from D mart for bulk grocery purchase every quarter. Shop grocery from Local sellers and other branded stores like Bigbazar, reliance, easyday, etc on the go. Some shopping in stores for clothing , home decor , vehicles services, ect. Other than this mostly I spend online.

Then 1 card is not enough for your needs..u need 2 credit cards..for offline and online spend

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No Cap in ACE card. In general it is better than SBI due to 2% cashback overall (BIgBazzar hardly have stocks this days…so dont even consider any card that is giving higher benefits at Future group stores)

Ace gives 5% On google Pay…but I end up using it via PayZapp most of the times as it is (5+2) via PayZapp(till Payzapp limit) ACE wont give any benefit on wallet load…use Apay card for such transactions for 1% cashback

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Sudarshan61 wrote:

No Cap in ACE card. In general it is better than SBI due to 2% cashback overall (BIgBazzar hardly have stocks this days…so dont even consider any card that is giving higher benefits at Future group stores)

Ace gives 5% On google Pay…but I end up using it via PayZapp most of the times as it is (5+2) via PayZapp(till Payzapp limit) ACE wont give any benefit on wallet load…use Apay card for such transactions for 1% cashback

Do ACE works seamlessly with PayZapp

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ashu3850313 wrote:

Among these Amazon pay is best..and replace simply save with simply click(much better for online shopping)

+1 simply click is good.
Plus get extra affiliate cashback.
Let me know if you want more details and help me earn too wink
@casf.amritsar.punjab9

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MrKool_JJ wrote:

+1 simply click is good.
Plus get extra affiliate cashback.
Let me know if you want more details and help me earn too wink
@casf.amritsar.punjab9

Simply click doesn’t serve the purpose of offline spends. Anything related to offline spends can help replace simply save.

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casf.amritsar.punjab9 wrote:

Simply click doesn’t serve the purpose of offline spends. Anything related to offline spends can help replace simply save.

Yes click is more inclined to online spends you are right.

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How’s AXIS bank in comparison to SBI in general? Actually i am little concerned about replacing Simply Click with Ace in long run.

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