[2025] No-Nonsense Premium Cards PortFolios

[PreciousTincture]

If you are making decent, this is a no-nonsense list for you.

1) Business Owners + High Spenders = HDFC Infinia + HDFC BizBlack (tax) + Axis M4B + Amex Plat Travel (tax)

2) Business Owners + Avg Spenders = HDFC Infinia + HDFC Bizblack (tax)+ Axis Atlas

3) Salaried + High Spenders = HDFC Infinia + Axis M4B

4) Salaried + Avg Spenders = HDFC Infinia + Axis Atlas

*Bonus: Get Indusind EazyDinner Signature for great offers/discounts on restaurant bills.

thats it. Don't overthink it . this gets you the most. and works the best for most people. unless you have a specific case or wanna over optimise

 

[BhaiyaJi]

Jitna easily aapne Infinia Biz Black likh diya, usna easily mile bhi jaate ye card to kya he baat the

 

[Kabir_1112]

Great write up. I can totally resonate with you. Based on personal income and choice these are no non sense cards. Eyes closed you can use them as per your requirement.
For me DCB plastic and EPM does the work.

 

[komal]

Jitna easily aapne Infinia Biz Black likh diya, usna easily mile bhi jaate ye card to kya he baat the

JAb tak milega tab tak ya to card devalued ho chuka hoga ya fir discontinued.

 

[Krishna Kumar]

But this will not work if the person is not into flights and hotels.
Only cashback cards work if the person is not a frequent flyer/traveller.

 

[ashwinikumar900]

If you are making decent, this is a no-nonsense list for you.

1) Business Owners + High Spenders = HDFC Infinia + HDFC BizBlack (tax) + Axis M4B + Amex Plat Travel (tax)

2) Business Owners + Avg Spenders = HDFC Infinia + HDFC Bizblack (tax)+ Axis Atlas

3) Salaried + High Spenders = HDFC Infinia + Axis M4B

4) Salaried + Avg Spenders = HDFC Infinia + Axis Atlas

*Bonus: Get Indusind EazyDinner Signature for great offers/discounts on restaurant bills.

thats it. Don't overthink it . this gets you the most. and works the best for most people. unless you have a specific case or wanna over optimise

I got DCBM + TB + BIZ BLACK

 

[Aniket Sharma]

If you are making decent, this is a no-nonsense list for you.

1) Business Owners + High Spenders = HDFC Infinia + HDFC BizBlack (tax) + Axis M4B + Amex Plat Travel (tax)

2) Business Owners + Avg Spenders = HDFC Infinia + HDFC Bizblack (tax)+ Axis Atlas

3) Salaried + High Spenders = HDFC Infinia + Axis M4B

4) Salaried + Avg Spenders = HDFC Infinia + Axis Atlas

*Bonus: Get Indusind EazyDinner Signature for great offers/discounts on restaurant bills.

thats it. Don't overthink it . this gets you the most. and works the best for most people. unless you have a specific case or wanna over optimise

These seems to be only no-sense cards

 

[nh124001]

naa hdfc infinia mila raha, naa axis atlas mil raha, biz black easily salaried ko milta nahi, amex plat travel bhi paused hai, toh bhai kaun si sense. fit kar rahe hoo

 

[sunit123]

99.99% people in india are not eligible for these cards

 

[sidmanraj]

I use credit cards Hdfc DCB + SBI Cashback + Amex travel platinum + IndusInd Rupay

I use debit cards RBL signature + IndusInd Select

 

[arthurmorgan]

How to get anyone of these cards as LTF ?

 

[fradela]

If you are making decent, this is a no-nonsense list for you.

1) Business Owners + High Spenders = HDFC Infinia + HDFC BizBlack (tax) + Axis M4B + Amex Plat Travel (tax)

2) Business Owners + Avg Spenders = HDFC Infinia + HDFC Bizblack (tax)+ Axis Atlas

3) Salaried + High Spenders = HDFC Infinia + Axis M4B

4) Salaried + Avg Spenders = HDFC Infinia + Axis Atlas

*Bonus: Get Indusind EazyDinner Signature for great offers/discounts on restaurant bills.

thats it. Don't overthink it . this gets you the most. and works the best for most people. unless you have a specific case or wanna over optimise

This is only for frequent travelers and high spenders. roughly 1% of people come under this category.

99% people like only cashback cards.

 

[R_A_J]

SBI CB ko kyu toda!!!

 

[fradela]

For salaried, one of the best cashback cards is HSBC Salary Debit card. (both OFFLINE and ONLINE)

5% cashback above 1000 transactions.

Limit is 2X Salary. If your salary is 1 lakh per month, you can spend 2 lakh and get 10,000 cashback monthly.

For transactions less then 1000, go with Kotak 811 Debit card.

SBI Cashback only for Online.

OFFLINE, no credit cards give cashback.

These 2 debit cards are sufficient for both online and offline.

 

[PreciousTincture]

Jitna easily aapne Infinia Biz Black likh diya, usna easily mile bhi jaate ye card to kya he baat the

sir likha to tha premium cards.

 

[PreciousTincture]

But this will not work if the person is not into flights and hotels.
Only cashback cards work if the person is not a frequent flyer/traveller.

well true upto some extent. you can use infinia points for apple products as well at 1:1. but almost everyone earning decent is into hotels/flights.

Imagine spending 30k on hotels booking and getting back 10k in points. which you can spend to book flights, hotels and buy apple products.

 

[PreciousTincture]

These seems to be only no-sense cards

sure! let us know your wisdom then. Its always better to learn new things.

 

[PreciousTincture]

For salaried, one of the best cashback cards is HSBC Salary Debit card. (both OFFLINE and ONLINE)

5% cashback above 1000 transactions.

Limit is 2X Salary. If your salary is 1 lakh per month, you can spend 2 lakh and get 10,000 cashback monthly.

For transactions less then 1000, go with Kotak 811 Debit card.

SBI Cashback only for Online.

OFFLINE, no credit cards give cashback.

These 2 debit cards are sufficient for both online and offline.

that looks amazinggg if true. doest that apply to all spends ( govt., utilities etc) ?

 

[PreciousTincture]

How to get anyone of these cards as LTF ?

Its kind of LTF in some sense for most users. Infinia 10L spends/year = fee waived or you get 10k points.

Bizblack => 7.5L => fee waived.

they dont offer any of these cards LTF now btw.

 

[hender]

thats it. Don't overthink it . this gets you the most. and works the best for most people. unless you have a specific case or wanna over optimise

Simple solutions are Difficult (FOMO)