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Top 5 must have credit cards

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suthakarm80

Hi dimers ,
Please suggest top 5 must have credit cards for everyday expenses. online and offline ( paid or ltf )…

My top 4 is

1.Hdfc millennia(Ltf) for smartbuy+instant voucher purchase+Hdfc offers, it covers 5% dis count on both amazon and flipkart so no need amazon icici and axis flipkart

2.Icici Platinum or MMT (Ltf) for Pure icici offers

3.Sbi Bpcl Rupay (50k spend Ann fee waiver) for rupay and sbi card offers

4.Axis Ace (Paid) for offline 2% and unlimited gpay bill payment cashback + Axis offers

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Super Stud Super Stud
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Do you already have Ace or plan to get it?

Deal Cadet Deal Cadet
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xxxyyyzzz wrote:

Do you already have Ace or plan to get it?

Already have…

Deal Cadet Deal Cadet
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I got none of them 😶

Sunrisers Hyderabad Sunrisers Hyderabad
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Do you have sbi BPCL rupay card?

Deal Cadet Deal Cadet
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I don’t have any one of them but planning for millenia, bpcl rupay and icici mmt

Cool Cool
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What I use (I do not buy vouchers etc just for maximizing rewards, I just put my normal spends on my cards as follows)

Amex mmrc – spend 4 times on it initially for 1000 rp.

Standard charted platinum – 5x reward point on fuel

Hdfc regalia- 5x reward point on Amazon (smartbuy 6.5% reward rate)

Then for big online purchases if I have any I will use either Amazon card for Flipkart card for unlimited 5% cashback or if amex has 10x or 15x reward point offer I’ll use that.

For offline purchase which I don’t have much so I use regalia by default.

These maybe not the best but it is what works for me coz I’ll am not into cashback and more into reward points.

Deal Cadet Deal Cadet
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just don’t know why people use word ,,Best…..There is nothing best in this universal of materialistic world, Everything is best and everything is worse, it just depend individual to individual, situation to situation , time to time. One should put some effort to find these things for themselves by trial and errror , both OP and people expressing their best might not be the best. So learn to trial and error in life, so one will learn problem solving skill along this way and things will seem much better this way.

Deal Cadet Deal Cadet
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@suthakarm80 your list is perfect I believe. These are best cards for people like us. Totally agree

But there are some people who will not agree to this as they want other benefits from card like lounge access, road assist, etc etc
And some want premium cards.

So for me, your list is final and proper

Delhi Capitals Delhi Capitals
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take every free LTF card u when the often the offer have more % then regular 


Deal Cadet Deal Cadet
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One of the underrated cards is Axis Privilege. Its 2x redemption for Myntra vouchers makes it best card of Axis Bank with annual fee waiver requirement of 2.5L.

Considering the recent offers by axis, it is going to be my most used card in this year for spends apart from rent payments.

On their portal, there is several 5x/10x (10% or 20% flat discount as Myntra vouchers) on many top brands like Amazon, Flipkart, Myntra, Cleartrip, Gyftr. And during festivals, it going even to 20X (40% as Myntra Vouchers). And best part is that there is no capping of points earned.

Actually last year, axis gave offers even for rent payments, but recently it seem to be closing that route completely. So, Paytm Citi on Paytm or DCB on nobroker will serve for that for about 1.75-2% net cashback.

4th card would be IDFC first mainly because it gives points for wallet loads.

Critic Critic
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Knight11 wrote:

One of the underrated cards is Axis Privilege. Its 2x redemption for Myntra vouchers makes it best card of Axis Bank with annual fee waiver requirement of 2.5L.

Considering the recent offers by axis, it is going to be my most used card in this year for spends apart from rent payments.

On their portal, there is several 5x/10x (10% or 20% flat discount as Myntra vouchers) on many top brands like Amazon, Flipkart, Myntra, Cleartrip, Gyftr. And during festivals, it going even to 20X (40% as Myntra Vouchers). And best part is that there is no capping of points earned.

Actually last year, axis gave offers even for rent payments, but recently it seem to be closing that route completely. So, Paytm Citi on Paytm or DCB on nobroker will serve for that for about 1.75-2% net cashback.

4th card would be IDFC first mainly because it gives points for wallet loads.

What is one point value in rupees if redeeming against myntra vouchers or amazon/flipkart vouchers?

Pro Blogger Pro Blogger
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neehesh wrote:

Do you have sbi BPCL rupay card?

SBI randomly issue BPCL RuPay or BPCL Visa to any customers.

Contact through RuPay customer care on twitter, I think they will help you to get SBI BPCL RuPay CC. 

SBI Card also launch Yatra RuPay-JCB credit card.

Card Network conversion also available on SBI Card, free of cost.

@rahulsoni0706846

Deal Cadet Deal Cadet
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abhishek012 wrote:

SBI randomly issue BPCL RuPay or BPCL Visa to any customers.

Contact through RuPay customer care on twitter, I think they will help you to get SBI BPCL RuPay CC. 

SBI Card also launch Yatra RuPay-JCB credit card.

Card Network conversion also available on SBI Card, free of cost.

@rahulsoni0706846

first i have to apply than contact rupay or opposite??

Deal Cadet Deal Cadet
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guest_999 wrote:

What is one point value in rupees if redeeming against myntra vouchers or amazon/flipkart vouchers?

0.4 for Myntra and 0.2 for Amazon/Flipkart.

Pro Blogger Pro Blogger
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rahulsoni0706846 wrote:

first i have to apply than contact rupay or opposite??

You can contact RuPay support on twitter (DM them) told them you want SBI RuPay BPCL Credit card but SBI card website showing BPCL Visa credit card. How to apply RuPay BPCL ? Help me to get SBI BPCL RuPay credit card.

RuPay team ask you to share your details like name, number, which bank card, which variant etc.

Deal Cadet Deal Cadet
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abhishek012 wrote:

You can contact RuPay support on twitter (DM them) told them you want SBI RuPay BPCL Credit card but SBI card website showing BPCL Visa credit card. How to apply RuPay BPCL ? Help me to get SBI BPCL RuPay credit card.

RuPay team ask you to share your details like name, number, which bank card, which variant etc.

Their twitter handle is @ rupay_npci??

Deal Cadet Deal Cadet
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abhishek012 wrote:

You can contact RuPay support on twitter (DM them) told them you want SBI RuPay BPCL Credit card but SBI card website showing BPCL Visa credit card. How to apply RuPay BPCL ? Help me to get SBI BPCL RuPay credit card.

RuPay team ask you to share your details like name, number, which bank card, which variant etc.

Also i got my ola sbi card this month itself so i have to wait or can for bpcl as well?

Critic Critic
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Knight11 wrote:

0.4 for Myntra and 0.2 for Amazon/Flipkart.

Then for myntra it is 2% reward rate while 1% for amazon/flipkart, axis ace gives 2% everywhere as statement credit so isn’t that better than this.

Deal Cadet Deal Cadet
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guest_999 wrote:

Then for myntra it is 2% reward rate while 1% for amazon/flipkart, axis ace gives 2% everywhere as statement credit so isn’t that better than this.

That is when u directly do shopping without any offer. But axis has a portal similar to hdfc smartbuy, where they offer 10x on amazon purchase as I mentioned earlier, which makes it 20% cb as Myntra Vouchers. And during festivals, it gets doubled.

Critic Critic
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Knight11 wrote:

That is when u directly do shopping without any offer. But axis has a portal similar to hdfc smartbuy, where they offer 10x on amazon purchase as I mentioned earlier, which makes it 20% cb as Myntra Vouchers. And during festivals, it gets doubled.

That has some limits from what I saw depending on card type/acc type.

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