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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:
Any card with zero forex and having rewards on international spends or returns more than applicable forex charge ?

RBL Safari and AU ixigo does not provide any rewards so these are not options for me.

Any mid premium card having less forex + dcc with rewards/cashback returns more than that.

And ofcourse joining/annual fees should be recoverable by rewards or cashback.
 
Any card with zero forex and having rewards on international spends or returns more than applicable forex charge ?

RBL Safari and AU ixigo does not provide any rewards so these are not options for me.

Any mid premium card having less forex + dcc with rewards/cashback returns more than that.

And ofcourse joining/annual fees should be recoverable by rewards or cashback.
Yes Bank Marquee, DCB + Global program, IndusInd Exclusive DC, SBI Cashback (only for online)
 
Hello all,

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

CC I hold for primary spends:
1) ICICI Emeralde Private Metal Card: (Primary Card) for offline, International, movies etc. Basically for all categories except below.
2) Axis Airtel. : utilities 25/10%cb & zomato 10%cb
3) HDFC Swiggy: : swiggy 10%cb & online 5%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 + UPI 3x rewards

6) SCB Easemytrip : Travel bookings 10-20%cb on emt
7) SCB Smart : Insurance, NPS and govt payment with 2%cb - platform charges. Probably for rent too.
8) 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) 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
2) ICIC Sapphiro LTF: For LTF Upgrades
3) SBI Cashback: for online cashback
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.
6) One with Zero Forex Markup


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.

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

Thanks in advance. 😁

Edit 1 - 18Jun2024
Edit 2 - 30Jun2024
the Emeralde Private Metal Card is LTF or FYF or paid?

I currently hold Sapphiro LTF (Dual Variant) and am planning to upgrade to Emeralde LTF but the RM person says that he tried his best but could not get approval for LTF.
 
the Emeralde Private Metal Card is LTF or FYF or paid?

I currently hold Sapphiro LTF (Dual Variant) and am planning to upgrade to Emeralde LTF but the RM person says that he tried his best but could not get approval for LTF.
Emeralde Private metal is not being issued LTF. It can be either fyf or paid. Mine is FYF.

Emeralde plastic one you can get LTF but it has to be come as offer from icici. Asking for the same doesn't work for Emeralde plastic one.
 
@newinnov @riyais axis atlas paid worth to have for occasional travles? Most likes 1 international trip and 1-3 domestic trip? Will the miles recover annual charges?

check once .
 
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