Thank you very much... here are my expenses on a very high level (yearly approximation)
Education (fee + transport).- 6 L -
Transport use Axis Atlas, SBI CB
Rent - 5L (though I assume not much might be possible here)
SC Smart/Ultimate, Amex
Travel (mostly flight & hotel (less)) - 3-4 L , this is majority domestic with occasional international - this expense is likely to be more but taking min
Axis Atlas
Insurance - 1.5L
Apay Voucher using different CB cards, Amex
Train travel - 20-50K (likely might be 0 also given most travel is via air)
RG from Smartbuy Portal
Electricity - 60K
Apay Voucher using different CB cards, Amex
Gas 25K -
https://www.technofino.in/community...he-amazon-friday-20-off-offer-still-on.36242/ Use 4-5 RPDC
Internet, Mobile, TV - 30K
Multiple Airtel Axis , RPDC
Shopping amazon - 30K- 50K
SBI CB, ICICI Apay
Zomato - 20K
SBI CB
Eating outside - 30K
Eazydiner Cards from Indusind
Grocery - 1 L (big basket)
HDFC Tata Neu Infinity
Grocery - 2L (offline) -
Yes Bank Kiwi
Shopping - 1.5 -2L (in store) -
Yes Bank Kiwi, Branded Store use Gift card from Gyftr or other platforms at discounted rates
Misc - most year something major comes up (buying a new phone, laptop, a bigger vacation etc. etc.) -
Offer Specific Bank Cards for Maxising Returns
Given I never had a big fascination for Credit Card , I only hold
- Regalia Gold ( 8 months expense around 11 Lakh) - current points approx 35K , with 10K flight voucher for meeting milestone
- Axis Ace -
Close it and go for Airtel Axis as Gpay is charging processing fees
Funny thing, First card HDFC sent me was Infinia a year back but I declined looking at fee and thought I will be on the losing end... guess did not do my research enough, I might still be able to give it a try but I see there is no guarantee they will offer me. Salary wise take home around 3.5L.. (if that makes any sense/ or gives help in guidance)
