optimization

Hello everyone, I’m seeking advice on optimizing my credit card portfolio and building a strong set of cards for my needs. Here’s a quick overview of my spending patterns and preferences: Spending Patterns: - UPI Transactions: ₹1-3L per month - Online Shopping: ₹1-2L per month (mostly...

I have started using firstcry and it offers club membership is it worth it , does it helps to get extra discount ? I use SBI cashback card for my purchases on it . Is there any other way to maximize the discount ?

Hi all. I'll keep this post short and crisp. I have the below cards with most of them LTF Apay ICICI card(4,60,000, LTF) ICICI Sapphiro(4,60,000, LTF)-------Amex, MC, Visa variants all of them LTF ICICI Emerald(4,60,000, first year free)---> thinking to close after a year in Jan 2025 ICICI...

Hello all, I've the following cards in my portfolio: HDFC Diners Club Privilege LTF (Got this recently) SBI Cashback Airtel Axis ICICI Coral LTF I use Airtel Axis for my postpaid payment as well as Swiggy, Zomato (as it gives 10% cashback upto Rs. 500), rest all my payments were done through...

Hi All, Need your valuable inputs as I want to review my credit card portfolios and want to remove some cards where I am not able to utilize or gain a benefits. Here is the below list of my credit cards 1. AU Xcite Ultra - LTF - 5L Limit - If I spend 5000 in first 5 days of month I am getting...

Please correct me if this is not the right place to ask this question. I wanted experts opinion on my current portfolio and the changes that I'm gonna make, but wanted to validate before doing all this. I want to reduce the number of cards, even if it's LTF like one card and stuff, so that...

"I'm seeking strategies to maximize the benefits and upgrade my credit cards (CCs)" Banking Relationships: 1. HDFC Bank Savings Account 2. ICICI Bank Savings Account Credit Cards: HDFC Bank: LTF (I feel that i have reached a glass ceiling with HDFC Bank, limiting my growth compared to other...

Hi All, I have accumulated quite a few cards and now looking to reduce the number of paid cards and optimise my spends. I don't mind keeping LTF cards for offers/sales. My primary go to cards would be Regalia Gold/Plat Travel and a mixture of Swiggy/Airtel/SBI cashback/live+/Gold charge Sharing...