How can I maximize my CC benefits using these CC's, DC's and memberships
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Hi, I have several DC’s , CC’s and memberships (such as prime/paytm first)
By listings (and how I use it) :
Amex Gold Charge Card with Amex MRCC CC (companion card) : I use it it for 6x 1000 trxns for 1k points, 4x 1000 trxns for MRCC per month on PayTM. I also have a recurring charge on charge card of 9k/month ($118 – international charge) So this way, no annual fee.
SBI Simply Click – I don’t use it at all to be honest. Not really sure why. I use Apay card at amazon so not sure why to keep unless there is a amazon/FK offer as 1500 off or something at Diwali.
PayTM CitiBank – Same as SBI , not really use it. I got PayTM first membership with it, so I get 30r wallet add pr month. That’s it.
ICICI Apay : Major use. Use it at amazon mostly though or any retail use (1% or I use citi as it gives 1% in credit statement not apay) and then with merchants such as dominos for 2%.
ICICI Coral : No use at all apart from airport lounges.
Kotak Royale Signature: OMG, Haven’t seen they billed me anything frm last 6 months except once for annual fee. No use apart from specific offer at zomato/swiggy/amazon.
DC’s : Paytm rupay : Airport lounges, Kotak DC Classic : No use, ICICI DC: No use apart frm withdrawals , SBI DC : No use. Digibank DC : No use.
Paytm first : may be movies discount, wallet add 30 cb, air travel.
Zomato gold : 300 free with min 300 dish. (pr day)
Prime : PVideo.
FK Plus : Youtube premium?
Have netbankng of HDFC, SBI, ICICI, KOTAK.
Have Bajaj card (EMI).
Looking for advise how to get more and more benefits out of all these. Is there something I don’t know? My usage generally is 90% online and what’s not online is in paytm to pay retail or groceries at REL.
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I have a current account with HDFC. I have never been really interested in HDFC card and to get one it’s the most easiest to be honest.
I’ll surely check what options are there which can suit my spending.
I think you are already maximizing the benefits of your cards.
The only for better benefits would be going for higher cards but they would generally attract fees and higher waivers. Go for them only if your spends are going to be higher.
Otherwise you seem to have descent set of cards.
I’m already paying for Kotak royale annual fee and prolly SBI as I won’t meet spending criteria, so going for any higher wouldn’t be a good plan here I think.
The only card I want now is Axis FK and that’s the only card I have been declined twice for.
SBI Simply Click is better than icici amazon pay for non amazon online purchases.
For 2 lac spend you get additional 2*2000 Cleartrip Giftcard.
What’s the limit of all cards.
If above 1L each u got nearly 7L investment.
Just rotate and live a peaceful life
All of them are above 1.2L with couple with 2.5L and 3.5L with Amex Charge card unlimited limit (Probably above 10L).
What you mean by rotate?
I dont think its affects the CIBIL score, only possible is tax implications. since you are using the card and paying it back. CIBIL score will be affected if you keep on using 90% of credit limit. that to (-10/20 points apprx)
As you have hdfc account, get one of their CC that you get eligible for and millennia dc. They have good promotions and cashback.