Which credit cards do you use? Which one do you recommend?

For all Online purchase SBI Cashback, for offline Flipkart axis, axis ace, standard chartered smart 

With your spending pattern, I assume you can hit 1L spends atleast 3-4 months a year. With that in mind, please take just the Axis Magnus. You do not need any other card for anything else.

Buy gift vouchers from giftedge portal for most of your online and offline spends on selected brand shopping.

It's the only card you ever need right now.

For the 10K fee, you get 10k worth of Tatacliq voucher.

Rbl duet 1% cashback on all spends with bogo movies on weekend

Hdfc millennia 1% cashback, with 5 % cashback on partner merchants like Amazon, flipkart

Axis ace 2% cashback on all offline and non utility spends

Axis flipkart 1.5% on offline and 5 % on flipkart spends

Personality I have millennia, flipkart and rbl duet

tiruratiga558 wrote:
For all Online purchase SBI Cashback, for offline Flipkart axis, Flipkart ace, standard chartered smart

flipkart ace?

monu.tanwar123262 wrote:

flipkart ace?

Sorry axis ace

Axis airtel for bigbasket/swiggy/zomato and sbi bpcl octane for petrol for offline try any other card or use brand vouchers or you can just apply for axis magnus as suggested by @prem4998 but only apply if you can spend 1L per month for atleast 5-6 months in a year

Keep DCB and ICICI Apay 

Travel/Groceries/Petrol can be covered via it. 

user Vouchers to the fullest to get 10% off

default rate if I am not mistaken is 3.3%... you dont need any other card when you have this as LTF. 

for places where it is not accepted use ICICI APAY

rahulsoni0706846 wrote:
Axis airtel for bigbasket/swiggy/zomato and sbi bpcl octane for petrol for offline try any other card or use brand vouchers or you can just apply for axis magnus as suggested by @prem4998 but only apply if you can spend 1L per month for atleast 5-6 months in a year

No, I don't agree.

Even 2 or 3 months of 1L spends is fine with Magnus. Just buy vouchers on gyftr for those branded spends.

tiruratiga558 wrote:
For all Online purchase SBI Cashback, for offline Flipkart axis, Flipkart ace, standard chartered smart

For sbi cashback card how to spend 2 lac in a year and 5% cb will work on buying gv ? 

prem4998 wrote:

No, I don't agree.

Even 2 or 3 months of 1L spends is fine with Magnus. Just buy vouchers on gyftr for those branded spends.

Axis magnus how much give cb(effective cost) for buying az gv ?

Vip-in wrote:

For sbi cashback card how to spend 2 lac in a year and 5% cb will work on buying gv ? 

Withdraw money by using Bharat NXT, then invest in Bharat pe

tiruratiga558 wrote:
Withdraw money by using Bharat NXT, then invest in Bharat pe

Charges for withdrawal ?? And monthly profit from Bharat pay?

Vip-in wrote:

Charges for withdrawal ?? And monthly profit from Bharat pay?

Bharat NXT charges 1.5% , you can get 1% cashback, remaining 0.5% you can pay cc bill on post pe, so now you are  withdrawing money with 0.01%, invest those 1Lakh to Bharat pe for month, you will get 900-1000rs

tiruratiga558 wrote:
Bharat NXT charges 1.5% , you can get 1% cashback, remaining 0.5% you can pay cc bill on post pe, so now you are  withdrawing money with 0.01%, invest those 1Lakh to Bharat pe for month, you will get 900-1000rs

Minimum investment is 1 lakh ?? 😇

Vip-in wrote:

Minimum investment is 1 lakh ?? 😇

Nope 1k

which college for diners?

Vip-in wrote:

Axis magnus how much give cb(effective cost) for buying az gv ?

3.6% on pay gv and 6% on shopping gv if returns calculated based on voucher redemption. For airmiles, it's easily 10%+ and 15%+

noobDealer wrote:

which college for diners?

This is a list of colleges that have been known to be accepted for the upgrade.

https://onedrive.live.com/view.aspx?resid=30568...