Page 2 of 1 for Help me maximise my credit card spend rewards.

A.M.A.Z.O · 2020-01-15 21:54:01 +0530

Hi Dimers,I have the following cards and I need expert opinion from the community,What cards to keep? and use it for what to maximise the benefits. Thanks in advance for your help 1. HDFC Regalia First – LTF2. SBI Simply Click3. AmEx MRCC4. AmEx Simply Earn – LTF based on MRCC5. ICICI Amazon Pay – LTF6. CITI Cashback7. CITI Rewards8. HSBC Visa Platinum – LTF9. IndusInd Platinum – LTF10. Kotak League Platinum – LTF11. YES Prosperity Edge (upgradeable to Premia) – LTF12. Flipkart Axis13. SCB Landmark Rewards – LTF14. SCB Super Value Titanium – LTF15. RBL Platinum Maxima – LTFMy expenditure per month.1. Petrol – 2000 to 2500.2. Utility – 500-800 ( Electricity)3. Grocery – ~4000. I get meal card from ZETA. Which is 2200. So not sure if to continue to keep getting the meal card as tax free or to switch over to CC for maximum benefit.4. Medicine – ~3000.5. Insurance around 54000 annually.6. ULIP around 50000 annually.7. Rent – ~8000. ( I know about those rent payment portals so any assistance is welcome if I can save there as well)I mainly shop from Amazon, like 90% is Amazon. Recharges , bill payment etc. Even use it whenever Amazon pay is accepted. Flipkart also remaining 10%.Apart from these spends there are travel expenses which I do sometimes based on offers available.Points to note: I try to get the bonus from AmEx MRCC card by doing 4*1000 transactions. Since I feel this is a great value for money deal. Then Ii favour SBI to get the Amazon gift card through redemption. Next comes Amazon pay card. Use local Supermarkets for Grocery shopping. Plus I live in a big city where digital payment is available even in small roadside vendor So I can use these credit cards to the very end.Credit card payments are done through either Cred or mobikwik or other channelsI Have HDFC TITANIUM debit cardI know the post is a long one, but would really appreciate if you can help me with this please

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