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Looking for suggestions to add cards in my CC portfolio

Hello all,

Here i am looking for credit cards to add/replace in my CC portfolio

CC I hold for primary spends:
1) Yes Bank Marquee: For all Online Spends(4.5% in rewards), International spends, Movies (BMS BOGO), Travel bookings
2) ICICI Emeralde Private Metal Card: For all offline spedns(3% rewards), Movies BOGO, Insurance (Will colse this once get hands on Infinia as it has 3.3% base + smartbuy rewards and beneficial for travel bookings as well,I will keep/get sapphiro LTF from icici just to have some icici cc in portfolio)
3) Axis Airtel. : utilities 25/10%cb & zomato and swiggy 10%cb
4) ICICI HPCL Super Saver Rupay: (Fuel @HP with 6.5%cb with HP Pay and RSA)
5) IDFC Power+ : same as ICICI HPCL Super Saver as ICICI have 200 cap for cashback in month.

6) Amex MRCC. : (Specifically for 1.5k x 4 and 20K transaction, got it ltf so kept it)
7) SC EMT: as getting same returns trough offers + EMP/Marqee casback (Will close this too once get Infinia as it gives more cashback using smartbuy for bookings)

Extra Credit Cards got LTF
8) IDFC Select
9) Federal Signet

Cards Closed:
1) SC Smart: took for NPS but Marquee completed the need


Cards i am trying to get hands on:
1) ICICI Amazon Pay : for amazon spends. And will use for utility bills after Axis airtel casback cap is over.
2) ICIC Sapphiro LTF: as planning to close EMP after infinia so to have one from icici in portfolio
3) HSBC Cashback: for Departmental, dining cashabck @ 10%
4) BOB Premier: this is what I got offered as LTF. Application in process taking ages as expected from BOB.
5) BOB Snapdeal: for upi
6) PNB Rupay Select: for upi + rupay select wellness benefits.
7) HDFC Infinia: Basically will replace spedns on EMP and will be used for travel bookings



I am aware that there is capping on cashback on all above credit cards. But my spends is mostly within that cap limit(i means spend required to achieve cashback upto that cap) except Utility category.

Please suggest if any Other credit card is better in place of above. I am ok to pay annual charges if it's getting recoved from cashback.

My cibil is 760+

Thanks in advance. 😁

Edit 1 - 18Jun2024
Edit 2 - 30Jun2024
Edit 3 - 27Aug2024
 
Last edited:
1. SBI Cashback, SimplyClick, BPCL
2. Kotak Myntra
3. Yes Ace
4. HDFC Millenia, Neu Infinity/Plus
5. Axis Flipkart, Axis Ace
6. PNB Rupay Select
7. RBL World Safari/Shoprite
 
Tata Neu Infinity? For QR scans, and Tata Brands.
And can you please tell me is ICICI Sapphiro LTF upgrade from Rubyx LTF possible with net salary above 1lac in Icici account?
And how to get Regalia gold LTF?
For ICICI Sapphiro LTF if you have salary account in ICICI then salary requirement of 1.5L/month is required and not holding salary account with them then 2L/month is required.
And dont wait for offer if you meet salary criteria. Apply as fresh card if your previous card is 6+ month old and once you get this new cc close old one or enjoy both LTF cc as icici won't close any cc on upgrade or new issuance.

For regelia gold , your organization should be listed and salary requirement of 1.5L +,apply through agent. Online ltf program got shut.
 
First apply for SBI Cashback before you reach 10+ card, bad me nahi milega
Also SBI Cashback will make apay redundant
 
Hello all,

Here i am looking for credit cards to add in my CC portfolio

CC I hold for primary spends:
1) Axis Airtel. : utilities 25/10%cb & zomato 10%cb
2) HDFC Swiggy: : swiggy 10%cb & online 5%cb
3) ICICI HPCL Super Saver Rupay : (Fuel @HP with 6.5%cb with HP Pay and RSA)
4) SCB Easemytrip : Travel bookings 10-20%cb on emt
5) Amex MRCC. : (Specifically for 1.5k x 4 and 20K transaction, got it ltf so kept it)

Extra Credit Cards got LTF
1) IDFC Selct
2) Federal Signet


Cards i am trying to get hands on:
1) SC Smart Card. : for Insurance, NPS and govt payment with 2%cb - platform charges. Still getting some benefit. Probably will use for rent too. Waiting for cooling period post getting SC emt.
2) ICICI Amazon Pay : for amazon spends. And will use for utility bills after Axis airtel casback cap is over. was holding one but that Amazon account got suspended so the card. Now waiting for offer on new Amazon account
3) ICIC Sapphiro LTF: just for Bookmyshow bogo
4) HSBC Cashback: for Departmental, dining cashabck @ 10%
5) BOB Premier: this is what I got offered as LTF. Application in process taking ages as expected from BOB.

I am aware that there is capping on cashback on all above credit cards. But my spends is mostly within that cap limit(i means spend required to achieve cashback upto that cap) except Utility category.

Please suggest if any Other credit card is better in place of above. I am ok to pay annual charges if it's getting recoved from cashback.

Also suggest me best rupay card for day today upi spends. Tata Neu Infinity is giving 1.5% neucoins but i am not that much tata neu User so coins will laps in most cases for me. So looking for any other card which gives rewards which can be reedemed agains statement or any vouchers

And also suggest any mid or premium cards which I can get LTF and how? My cibil is 760+

Thanks in advance. 😁

1. BoB Premier is good for nothing card... don't go for it if paid version is available
2. Get SBI Cashback Card (mother of all cashback cards)
3. APay Card is only good if you don't have SBI cashback card
4. Amex Gold charge will give decent returns on 6k per month
 
First apply for SBI Cashback before you reach 10+ card, bad me nahi milega
Also SBI Cashback will make apay redundant
Sbi cashback have capping for cashback right. 5k max per month while apay does not. Am i right? Sbi will be useful for other platform as well but HDFC swiggy does the same work with less cap but enough for my online spends. Am i thinking right?
 
For ICICI Sapphiro LTF if you have salary account in ICICI then salary requirement of 1.5L/month is required and not holding salary account with them then 2L/month is required.
And dont wait for offer if you meet salary criteria. Apply as fresh card if your previous card is 6+ month old and once you get this new cc close old one or enjoy both LTF cc as icici won't close any cc on upgrade or new issuance.

For regelia gold , your organization should be listed and salary requirement of 1.5L +,apply through agent. Online ltf program got shut.
Will emailing ICICI grievance help with less income of 1lac plus only?
Had Sapphiro preapproved on app last month, not sure LTF or Paid, if I treaten them to close my salary account and transfer to HDFC?
And does opening a secondary account in HDFC help to get these offers faster? When I already have Tata Neu plus LTF
 
Alredy got rejected. Waiting for 90 days cooling period. And alredy crossed 10 Cards criteria. Closed most of the cards which had charges and was not beneficial. Started strategic portfolio recently
I suggested looking at the list of 5.
so you have closed cards for sbi...? I think you will get it basis of your portfolio once credit reflects cards as closed. Else you may try to get a basic SBI card and later upgrade it. Because after 10+ cards sbi will give you very hard time regardless of your portfolio
 
Y
Sbi cashback have capping for cashback right. 5k max per month while apay does not. Am i right? Sbi will be useful for other platform as well but HDFC swiggy does the same work with less cap but enough for my online spends. Am i thinking right?
Yes, you have got it right.
If you are closely tied with amazon only then apay makes more sense.
 
1. BoB Premier is good for nothing card... don't go for it if paid version is available
2. Get SBI Cashback Card (mother of all cashback cards)
3. APay Card is only good if you don't have SBI cashback card
4. Amex Gold charge will give decent returns on 6k per month
Yup. Going for BOB only if it's ltf

SBI Cashaback. 50/50 on that as it does not serve my purpose. The cashback I will be getting annually does not recovering my annual fees as my spend is distributed amongst other Cards. But still will try it for 1 year if i can get it and will continue if can get annual charges revered/waived

Apay. Have somewhat more dependency on amazon, holding Amazon fasttag, utility bills of about 50k annual after the cap of Axis Airtel so it helps me much than sbi cashabck because of monthly cap

Amex gold charge. Had that one too along with MRCC but had option to make only one LTF from them so went with MRCC and closed Gold one as not big fan of amex hotel collection and 6k criteria is almost same on both only 1k x6 on Gold while 1.5k x 4 on mrcc
 
I suggested looking at the list of 5.
so you have closed cards for sbi...? I think you will get it basis of your portfolio once credit reflects cards as closed. Else you may try to get a basic SBI card and later upgrade it. Because after 10+ cards sbi will give you very hard time regardless of your portfolio
You got it right. Have 2 closed SBI cards from past. Currently applied for BPCL Octane through agent. Once i get it will downgrade to cashback as from past experiences SBI generally hesitate to upgrade insted provide alternative Cards with same or less annual fees. So played a bit mind game. Taking bpcl octane with higher annual charge than cashback so cce won't hesitate to downgrade.
 
You got it right. Have 2 closed SBI cards from past. Currently applied for BPCL Octane through agent. Once i get it will downgrade to cashback as from past experiences SBI generally hesitate to upgrade insted provide alternative Cards with same or less annual fees. So played a bit mind game. Taking bpcl octane with higher annual charge than cashback so cce won't hesitate to downgrade.
SBI has frequent grocery offers / sale offers too
I think in meantime you may recover the fees via these

For online purchases you already have swiggy (5%)
 
Yup. Going for BOB only if it's ltf

SBI Cashaback. 50/50 on that as it does not serve my purpose. The cashback I will be getting annually does not recovering my annual fees as my spend is distributed amongst other Cards. But still will try it for 1 year if i can get it and will continue if can get annual charges revered/waived

Apay. Have somewhat more dependency on amazon, holding Amazon fasttag, utility bills of about 50k annual after the cap of Axis Airtel so it helps me much than sbi cashabck because of monthly cap

Amex gold charge. Had that one too along with MRCC but had option to make only one LTF from them so went with MRCC and closed Gold one as not big fan of amex hotel collection and 6k criteria is almost same on both only 1k x6 on Gold while 1.5k x 4 on mrcc
Well you got some points right... There are various portals where we can buy Amazon vouchers via SBI card and get 5% cashback whereas APay gives 2%
MRCC card gives 2x points on rewards multiplier whereas Gold card gives 5x.. so for same 6k spends you get 1600 points instead of 1240.
SBI's fee can be easily covered by 20k spends online..
Rest its your call
 
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