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

198°
Deal Newbie
ashahu662

I have the following credit cards and I don't think I am getting the best out of them

- HDFC Diners Black (lifetime free through my college affiliation, for domestic and international airport lounges, dineout, and some other high discounts items like iPhones)

- ICICI Amazon card ( 5% on Amazon spend)

- CITI Bank rewards card (Pretty Useless)

- SBI Ola card ( I used to get 7% back on Ola but I got a car so pretty useless now)

- ICICI Rubyx card (Pretty useless since they moved away from the payback rewards program)

I need a card for non-Amazon online purchases and offline purchases. Here is what I spend approximately each month

- 20k on Travel (averaged over a year)

- 15K on Amazon

- 10k on Petrol

- 15k on Groceries (Blinkit, BigBasket)

- 10K to 20K on Other offline purchases

- 5k on Swiggy/Zomato


Could you share what combination of cards you use and which one you recommend to me?

I want to close some of these cards and open new ones that are actually useful.

Expired
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
21 Comments  |  
11 Dimers
  • Sort By
Deal Cadet Deal Cadet
Link Copied
For all Online purchase SBI Cashback, for offline Flipkart axis, axis ace, standard chartered smart 
Helpful Helpful
Link Copied

flipkart ace?

View 7 more replies
Generous Generous
Link Copied

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.

Helpful Helpful
Link Copied

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

Helpful Helpful
Link Copied
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
Generous Generous
Link Copied

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.

View 2 more replies
Benevolent Benevolent
Link Copied

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

Deal Subedar Deal Subedar
Link Copied

which college for diners?

View 1 more reply
Helpful Helpful
Link Copied

I guess all they care about is the name BITS Pilani, so as long as you have some certificate they'll probably accept it. 

Deal Cadet Deal Cadet
Link Copied

Thanks!

I do have the necessary documents blush

replyuser
Click here to reply
Reply