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card suggestions and which card to close/keep choose?

Hi new to community and need help to better utilize my cards or add/close useless ones

My current cards
-ICICI MMT PLATINUM LTF
-ICICI PLATINUM LTF
-AXIS FLIPKART LTF
-IDFC FIRST MILLINIA LTF
-ONE CARD(FEDERAL BANK) LTF
-SBI PRIME VISTARA PAID
Considering:
- HAVE AN IN-APP OFFER FOR ICICI EMERALDE FYF(just got verbal confirmation but not written)

Current Spends: (per annum)
Zomato and Swiggy : 20-26k
Zepto + Swiggy Instamart: 1.2 -1.43Lac
Insurance: 60k
Int. Travel : 1.8 -2.6Lac
Utility Bills: 48k

IMP: currently getting rejections for any hdfc cards, so that option would be difficult

would appreciate any suggestions of cards to close or add ideally for above spends.
Have a suggestion for SBI cashback from my other post, checking that out now
thanks
 
Last edited:
Hi new to community and need help to better utilize my cards or add/close useless ones

My current cards
-ICICI MMT PLATINUM LTF
-ICICI PLATINUM LTF
-AXIS FLIPKART LTF
-IDFC FIRST MILLINIA LTF
-ONE CARD(FEDERAL BANK) LTF
-SBI PRIME VISTARA PAID
Considering:
- HAVE AN IN-APP OFFER FOR ICICI EMERALDE FYF(just got verbal confirmation but not written)

Current Spends: (per annum)
Zomato and Swiggy : 20-26k
Zepto + Swiggy Instamart: 1.2 -1.43Lac
Insurance: 60k
Int. Travel : 1.8 -2.6Lac

would appreciate any suggestions of cards to close or add ideally for above spends.
Have a suggestion for SBI cashback from my other post, checking that out now
thanks
SBI CB for all Online Spends
HDFC Swiggy Card for Swiggy and Instamart Spends
Insurance via APV
Int. Travel - AU Ixigo for 0 Forex Charges
I don't think you can extract much benefit by getting Axis Atlas.
For Grocery HSBC Live+ also gives 10% up to 1000
 
SBI CB for all Online Spends
HDFC Swiggy Card for Swiggy and Instamart Spends
Insurance via APV
Int. Travel - AU Ixigo for 0 Forex Charges
I don't think you can extract much benefit by getting Axis Atlas.
For Grocery HSBC Live+ also gives 10% up to 1000
Thanks for the suggestions will check them out. getting rejections for hdfc cards , any akternative for that?
 
SBI CB for all Online Spends
HDFC Swiggy Card for Swiggy and Instamart Spends
Insurance via APV
Int. Travel - AU Ixigo for 0 Forex Charges
I don't think you can extract much benefit by getting Axis Atlas.
For Grocery HSBC Live+ also gives 10% up to 1000
update
applied for AU and HDFC, SBI cards (had opened a saving max account with with HDFC recently with 50k balance, suddenly swiggy app allowed me to submit application using hdfc net banking)

-got rejected for AU IXIGO , declined as "verification norms not met"

-HDFC Swiggy shows approved provisionally, wait 8-9 days to process

- submitted SBI Cashback application using existing card details(SBI VISTARA) on website, did not hear back, also raised concerns using their app , lets see how it goes


Not sure about what you meant by APV in
"Insurance via APV"
please clarify
thanks
 

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Last edited:
Hi new to community and need help to better utilize my cards or add/close useless ones

My current cards
-ICICI MMT PLATINUM LTF
-ICICI PLATINUM LTF
-AXIS FLIPKART LTF
-IDFC FIRST MILLINIA LTF
-ONE CARD(FEDERAL BANK) LTF
-SBI PRIME VISTARA PAID
Considering:
- HAVE AN IN-APP OFFER FOR ICICI EMERALDE FYF(just got verbal confirmation but not written)

Current Spends: (per annum)
Zomato and Swiggy : 20-26k
Zepto + Swiggy Instamart: 1.2 -1.43Lac
Insurance: 60k
Int. Travel : 1.8 -2.6Lac
Utility Bills: 48k

IMP: currently getting rejections for any hdfc cards, so that option would be difficult

would appreciate any suggestions of cards to close or add ideally for above spends.
Have a suggestion for SBI cashback from my other post, checking that out now
thanks
Check out axis
Airtel axis card can give you a good value back from Airtel thanks on your utility bills and swiggy spends. 10% value back upto 3000 and 6000 per annum respectively.
 
Check out axis
Airtel axis card can give you a good value back from Airtel thanks on your utility bills and swiggy spends. 10% value back upto 3000 and 6000 per annum respectively.
Sure will take a look, thanks
is TataNeu Plus better or AirtelAxis ?
do use bigbasket and 1Mg sometimes
 
Sure will take a look, thanks
is TataNeu Plus better or AirtelAxis ?
do use bigbasket and 1Mg sometimes
For your use case airtel axis will be better. Because utility also gives 10%

And for big basket both offers 10% but airtel as statement credit and neu as neu coin.

And also you can take both neu can be used on UPI also.

And for bigbusket spends if you have indusind select or exclusive or higher debit card can get 500 on spends of 2500. Same in axis select credit card though these have a higher fees. But told just in case.
 
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