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.
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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.
SBI IRCTC Rupay credit card’s annual fee is Rs. 300 and no joining fees currently. All online offers applicable.
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
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.
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.
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
apay
apay card is best for online shopping
How’s AXIS bank in comparison to SBI in general? Actually i am little concerned about replacing Simply Click with Ace in long run.
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.