How Many Paid Credit Cards You Hold and Why ?
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Thought to discuss on how to max the benefits of paid credit cards and Make best use out of them...
Coz many of the LTF free cards don't offer much value in terms of Reward points
Below are the Paid Cards I hold
SBI Simply Click - 499 + 18%GST / Annum (Took just to get benefits of the SBI regular card offers on Amazon and Flipkart)
SBI Simply Save - 499 + 18%GST / Annum (Recently took as it was preapproved with Rs.500 Amazon GV, will close it after a year)
Standard Chartered Digismart - 49 + GST ( Fee Waiver on Spends of 5k per month, I spend approx. 3.5k on Myntra to get 20% off and Load Paytm wallet for remaining 1.5k to get fee waiver)
Amex MRCC - 1st Year Free , 2nd Year 1500 + GST ( Took the card 10 Days back as its free for 1st year under the referral offer and also I found its one of the best card out in market if you can manage to spend 6k monthly on this card , it will fetch you approximate 5% reward value)
ICICI MMT - 499 + GST (Only One Time Need to Pay this , post that card will be LTF - Took the card just to use for regular Amazon and Flipkart Offers)
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Finance
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Credit Card
My Credit Cards -
1. ICICI Platinum - LTF
2. ICICI Amazon Pay - LTF
3. BOB SELECT - LTF
4. SBI MAX - PAID
5. HDFC Millenia - LTF
6. FLIPKART AXIS - PAID
7. SBI SimplyClick - PAID
Amex MRCC - 1st Year Free , 2nd Year 1500 + GST ( Took the card 10 Days back as its free for 1st year under the referral offer and also I found its one of the best card out in market if you can manage to spend 6k monthly on this card , it will fetch you approximate 5% reward value
AMEX is offering MRCC for 1500 p.a. now? Damn! I am holding it since 6 years and annual fee for me is 4500 + GST (never paid though) and it is the only paid card I hold rest all are LTF.
HDFC DCB
IDFC First Select
Indusind Legend
Kotak Privy Signature
ICICI Apay
ICICI Coral
LIC Signature
....a few others
SBI Octane - 1499 + GST - Best fuel card, gives 6.25% effective VB + 1% surcharge waiver. I easily waive off annual fee also.
Axis Ace - 499 + GST - Unlimited 5% real cash back on all utility bills, recharges etc. All my family bills go here, so easily get annual waive off.
RBL Play - 500 + GST - 2 Free BMS tickets every month worth ₹500 can be used on anything on BMS (Movies/ Plays/ Events/ Sports/ Activities/ Stream) on 5K spends. By becoming a Superstar, annual fee waives off easily if not want to pay 1.5L.
Only problem I find with Play card is where to spend 5K to get free tickets. Although, it can be spent anywhere, we don't get any other RP or CB on it so I use respective cards for the same. Any suggestions here will be appreciated.
SBI Cashback - FYF/999 + GST - No need to explain, almost unlimited 5% CB on all online spends. Took recently as FYF offer, I hope it still worth it with annual fee but will see after 1 year and close if needed.
Axis Flipkart - 499 + GST - 5% CB on flipkart and I had taken it before Axis Ace for 1.5% cb on offline spends. If we get LTF offer in march (hopefully), I'll take LTF one and close this one.
Other LTF Cards I have - Yes Finbooster, Icici Platinum, Icici Amazon Pay, IDFC First Milennia, Axis IOCL Rupay.
I have lifetime free axis neo and icici amazon cc. I don't want to buy paid cc.
I have 3 sbi credit card but I need sbi cashback card how can I get it pls help me
I will create what's app grup for credit card help ping me i will send link
StanC ultimate. Fees 5k+gst, but gives 5k rp on paying annual fees. 3.3% RP on all spends and 1RP = 1 Rs. Decent redemption options.
Also had simplyclick, but never had to pay becuase was able to achieve waiver limit. Didn't make much sense since their change of reward point policy, so had asked for its closure, but they changed it to ltf
Sbi simply click as LTF?
@jaadugar_goga bro are you maintaining AMB criteria for the optima privy account from last 6 years?
Don't even remember what is the criteria now, lol. When I was a noob I used to invest in MFs vis their app so may be that is still being counted in AMB. Last year, I think they revised criteria and accounts were supposed to be downgraded not sure why it didn't happen. Anyways, Kotak overall is shit don't like it much. I still have the account coz it is linked to some brokers etc. Even the privy card is pretty useless IMO, never used it much except when offered discount on kotak CCs.
- SBI Cashback card
- Citi Rewards Card
- SBI IRCTC Card
How to spend annually 1 lac on simply click card and get annual waiver? Any tips except real spending
Amex MRCC
Amex Smart Earn
Standard Chartered Platinum Rewards
LTF Cards
AU Small Bank Vetta Signature
Axis Bank Flipkart
Axis Bank MyZone
Bank of Baroda Premier
Citi Indian Oil
Citi Rewards
HDFC Millennia
HSBC Platinum
HSBC Smart Value
ICICI Amazon Pay
ICICI Platinum
IDFC FIRST Select Signature
Indusind Legend Signature
Kotak Zen Signature
One Card BOB Signature
PNB Visa Classic
RBL Platinum Delight
SBI Card Platinum
Yes Bank First Preferred
so many cards 
Standard chartered ultimate reward percentage 3.33% on all purchases
| HDFC Regalia |
| SBI Simpliclick |
| ICICI Amazon |
| PNB Platinum |
| Indusind Legend |
| HSBC Platinum |
| OneCard |
| Axis Magnus |
| Axis Flipkart |
| BOB Premier |
| RBL Duet |
| Amex Smart Earn |
| IDFC Wealth |
| ICICI Platinum |
Axis Vistara - You get free flight ticket with annual/renewal fee of Rs.1500 (Economy) and higher class with higher variants, more tickets based on milestones.
ICICI Amazon (LTF)
AXIS Flipkart (Paid)
HDFC Tata Neu (Paid)
SBI Simplyclick (Paid)
IDFC Millennia (LTF)
RBL Paisabazar (LTF)
YesBank Finbooster (LTF)
Aubank LIT (LTF)
BOB Card (LTF)
OneCard (FD)
Want Kotak, Indusind And PNB card Too😃
Indusind Rejected, Kotak No Updates, PNB VKYC Pending.
Only kotak urbane because of the 1+1 on pvr tickets earlier apart from 12 other LTF cards
Axis Ace since every month bill payments result in atleast ₹500 worth cashback every single month...
ICICI Amazon LTF (Cashbacks worth nearly 1.5 lakh since I got it) (2% cashback on LIC payments are god send)
AXIS Myzone LTF (going to close, Got it to basically keep door open for ACE card)
HDFC Times platinum (Kept for 50% off Movie tickets and HDFC offers) (will close it if i get a better HDFC card)
SBI High Octane (Worth every penny paid for it) (Have got nearly ₹18000 in free fuels in last 2 years)
Used to have Amex Jetairways card which gave me nearly 16 free Travel tickets in 4 years I had it...
Used to also Have Tata Croma Card but closed it after lockdowns. Apparently SBI card points expire after 2 years and I had to do emergency useless shopping in croma just to avoid wasting ₹14000 in points.
0. None.
Why? Because money is costly.
ICICI amz- for cash back on amz spends
ICICI mmt- mmt- points on spends
ICICI platinum - ltf
SBI prime- lounges and other benefits
SBI BPCL- fuel
Bob premier- few online offers
Axis flipkart- FK cashback
Indusind aura edge - ltf
Rbl Bajaj finserv- ltf
One card- online offers,ltf
Kotak kaching indigo- indigo cashback.
Union bank- don't know why I have it. Tried closing it several times, but the bank guys just don't do it. Not a really useful card.
Union bank card is LTF ?
you can use Union bank card for the ongoing 25% upto 100 discount offer on Swiggy Instamart.
What benefit you reap out of SBI prime and whats the fees ?
1. Standard Chartered Ultimate Card - Annual Fee 5000 - Cannot be waived (Hopeful that rewards outweigh the charges) - Got this card few days back by upgrading from my old Super Value Titanium card - Planning to use this as primary card as it gives 3.3% value back.
2. Axis Ace Card - Annual Fee 500 gets reversed on 2 lakhs spend - This was my primary card (for 2% cashback) until few days back and I met waiver criteria till now. May need to close when I fail to meet.
3. Flipkart Axis Card - Annual Fee 500 gets reversed on 2 lakhs spend - Got it when launched - This used to be my primary card (for 1.5% cashback) before getting Ace card - Missed LTF offer and paid fees recently. If no LTF offer coming, will close it.
4. HDFC Bharat Card - Annual Fee 500 gets reversed on 50k spend - Till now didn't get fee as I meet criteria - Using it for 3000 monthly for Fuel (150 rewards) and occasionally for Online offers.
5. Standard Chartered Super Value Titanium card - Annual Fee 750 waived on 90k spend - I meet criteria usually. But when I missed it once, I think they waived it on request. Used to be the best for 4000 fuel spend per month (160 rewards). Now closed via upgrade to ultimate.
6. RBL YOUnique card - Supposed to be Rs.350 fee for my BookMyShow add-on, but its been more than a year and never got charged (no idea on that) - Just using it occasionally to book movie tickets and for online offers.
Other LTF Cards:
1. Amazon Pay ICICI Card - Obviously only for Amazon shopping.
2. ICICI Coral card - Got recently as LTF on request to my SB account branch - Using it occasionally for online offers as Amazon Pay card gets excluded.
3. IDFC First WOW card - Got recently via FD - Planning to use for Visa infinite and online offers.
Had BoB Select card via LTF offer - They gave just 10k limit and overspent by mistake - Sent email asking waiver or close it - And they did both 
- Now, website says that I cannot apply BoB card.
Applied Axis Indian Oil card and SBI Octane card recently and waiting - This should compensate SC SVT card which I lost via upgrade.
@pnagaraj - Visit SC Ultimate link on SC site
https://www.sc.com/in/credit-cards/ultimate...d/?
Click Apply > Click on Yes (Existing Relationship With SC Bank) > Verify Your Existing Card With Limit Of 4 Lakh and Above to Get SC Ultimate
Read the Note section of the Image below,
No need to close existing cards
@beastboy Thanks a lot. I was told that old super value titanium card will be automatically closed in 35 days after receiving ultimate card. Now that I have both cards active, I will check with customer care to avoid closure of old card. If not able to avoid that, then will use above process to get old card back.
1.Sbi octane for petrol
2.Sbi simplyclick may close soon
3.icici Hpcl super saver from icici departmental stores spend
4.Rbl supercard for bookmyshow offers using since they gave annual waiver free
5. Yes bank will close soon
Axis Ace
Sbi Cash back
Sbi BPCL (50000 spent only for fees reversal)