Best Credit Card Combination 2025 - My Portfolio

[anonymousabc]

Best credit card combo:

Tata neu infinity Credit Card (LTF/1500₹):
1.5% on upi (1% on tata neu + 0.5% on card)
5% on utility (bills)
10% on tata products (including flights, jewellery, zudio etc)
5-10% on gift card can be bought from tata neu
Amazon: 6-7%,
flipkart : 5%
Myntra : 9%
Zepto : 7%
Zomato/Blinkit: 6%
And many more

Basic shopping and utility and upi and tata products are covered by this card
Offline 1.5%


Hsbc live+ : 1000₹

10% on all grocery (flipkart grocery , blinkit, zepto , Instamart, bigbasket (15% if used on tata neu), etc including offline stores like reliance fresh
10% on zomato and Swiggy
10% off on dining through offline as well as dine out, district etc

Offline 1.5%


Any icici lifetime free credit card :
To get 10-15% off on sales on Amazon Flipkart Myntra and others or flights


These 3 cards is enough for day to day everything
Shopping, flights, grocery, upi , offline , food , dining



Axis atlas:
If spend is too high and loves to travel then go for this card and redeem points for flights and accord hotel


If need only 1 card and only 5% on all online then go for sbi cashback ( difficult to get)

If salary is above 40lpa or good credit history with hdfc then go for hdfc infinia
Use infinia with smartbuy
Get upto 33.3% off on hotels or 16% on flights

 

[sb210]

How it is 6-7% for amazon gv using neu? @anonymousabc

 

[cardio_guycardio_guy is verified member.]

Good suggestion.

Any combination (3 of these) below are good enough to cover almost all spends for beginners to mid-spenders. These are the top cashback cards out there so far.

• HDFC Tata Neu Infinity,
• ICICI Amazon Pay,
• SBI cashback,
• HSBC Live+,
• Axis Airtel,
• HDFC Swiggy

For high spenders, heavy travellers and hotel stayers can get in to one of the 4 ecosystems for reward points and miles game -

• AMEX (Plat Travel and MRCC),
• Axis (Atlas or Magnus4Burgundy)
• HDFC (Regalia Gold, DCB or Infinia)
• ICICI (Emeralde Private Metal)

 

[Raavan]

For me best combination is

Yes Kiwi - 2% on scan & pay transaction.
Airtel axis for my airtel utility transactions
Sbi cashback - for everything online bcz hsbc not serviceable in my city
Axis neo - for Zomato offer
Icici coral - for online discount offers if any.

 

[anonymousabc]

How it is 6-7% for amazon gv using neu? @anonymousabc

When you use tata neu app , it provides 1-2% cashback on Amazon shopping voucher and 5% when paid through tata neu card
So total 6-7%

 

[SreeU]

I am not a heavy spender or traveller.
I have:
SBI Cashback: Online
Airtel Axis: Utilities
A PAY: School fees & Insurance
Pixel Rupay: UPI & Reliance Smart
MB+: tried to upgrade to Millennia but couldn't. So went for SBI CB.

 

[sadathh44]

Hi, anyone aware I Tata neu infinity gives you any neu coins on payment of reneval fee?
If I'm.getting this card as paid card, I heard somewhere that its FYF and from next year I'll get 1499 nu coins on payment of annual.fees.

Just wanted to confirm if they'll give this reneval benifit everytime I pay my annual fee?

 

[mynameis]

Hi, anyone aware I Tata neu infinity gives you any neu coins on payment of reneval fee?
If I'm.getting this card as paid card, I heard somewhere that its FYF and from next year I'll get 1499 nu coins on payment of annual.fees.

Just wanted to confirm if they'll give this reneval benifit everytime I pay my annual fee?

No that is not true you will not get any neu coins in payment of renewal fees for this card

 

[manideep77]

Hi, anyone aware I Tata neu infinity gives you any neu coins on payment of reneval fee?
If I'm.getting this card as paid card, I heard somewhere that its FYF and from next year I'll get 1499 nu coins on payment of annual.fees.

Just wanted to confirm if they'll give this reneval benifit everytime I pay my annual fee?

Recently HDFC gave this card as LTF, you can try to mail them ask for LTF conversion

 

[sadathh44]

No that is not true you will not get any neu coins in payment of renewal fees for this card

Sad, then I'm not sure if I should consider this card

 

[sadathh44]

Recently HDFC gave this card as LTF, you can try to mail them ask for LTF conversion

Unfortunately i got DCP in sept. Couldn't apply for new cards until the offer was gone

 

[hender]

Best credit card is the one you have in REAL...
I have HDFC Moneyback.