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5 credit cards challenge

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abhishek0882

abhishek0882

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If you could only have 5 credit cards with you and no more - which would be your 5 credit cards? Would be great if you could also mention the reasons. Of course these will be based on your personal usage, preferences, spends etc., but would be fun to know. Idea is to see if we can create a holistic portfolio of credit cards in a way that they cover all aspects of our spends and lifestyle, thus each card complementing the other 4. What are those 5 cards as of today (as the combination may keep changing with new cards coming up, devaluation in existing cards etc.).
I am so looking forward to hear from members here. Would especially be fun to hear from those who have numerous credit cards and to see how they manage to narrow it down to 5 😛 .
 
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Really like the topic 😀

Let me keep it short and simple

ICICI - Apay because I shop a lot on Amazon and one of my oldest card.

HDFC - Already holding MoneyBack, but would prefer Millenia for Amazon and other Ecom sites

SBI - Recently tried applying for SBI BPCL Octane and ended up getting CB Card 🤣 don't ask me how. Will apply again for Octane Card.

AU Bank - I like the AU Lit card because of the customisation it offers. I don't have it will apply soon.

Axis - Finally the card which I have been trying to get for so long Axis Airtel for my Airtel bills 🤣
 
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abhishek0882 said:
If you could only have 5 credit cards with you and no more - which would be your 5 credit cards? Would be great if you could also mention the reasons. Of course these will be based on your personal usage, preferences, spends etc., but would be fun to know. Idea is to see if we can create a holistic portfolio of credit cards in a way that they cover all aspects of our spends and lifestyle, thus each card complementing the other 4. What are those 5 cards as of today (as the combination may keep changing with new cards coming up, devaluation in existing cards etc.).
I am so looking forward to hear from members here. Would especially be fun to hear from those who have numerous credit cards and to see how they manage to narrow it down to 5 😛 .
Click to expand...

Amex Gold: For purchasing GCs for Amazon, NPS payments occasionally, fuel, wallet loads

Amex Platinum Travel: For hotel spends and occasional GC purchases, wallet loads

SBI Vistara Prime: Offline spends, NPS payments, fuel

HDFC DCB: Unlimited lounge access, online spends on Flipkart

Tata Neu Infinity: For UPI on CC
 
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4uziaul said:
Really like the topic 😀

Let me keep it short and simple

ICICI - Apay because I shop a lot on Amazon and one of my oldest card.

HDFC - Already holding MoneyBack, but would prefer Millenia for Amazon and other Ecom sites

SBI - Recently tried applying for SBI BPCL Octane and ended up getting CB Card 🤣 don't ask me how. Will apply again for Octane Card.

AU Bank - I like the AU Lit card because of the customisation it offers. I don't have it will apply soon.

Axis - Finally the card which I have been trying to get for so long Axis Airtel for my Airtel bills 🤣
Click to expand...
Looks like a good list, and that too without making a dent on the pocket with a lot of joining/annual fee requirements.
 
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Walter White said:
Amex Gold: For purchasing GCs for Amazon, NPS payments occasionally, fuel

Amex Platinum Travel: For hotel spends and occasional GC purchases

SBI Vistara Prime: Offline spends, NPS payments, fuel

HDFC DCB: Unlimited lounge access, online spends on Flipkart

Tata Neu Infinity: For UPI on CC
Click to expand...
Very nice, VFM combo of cards. I have always believed that SBI/Axis Vistara Prime/Signature is much better value over the Infinite version, except for Vistara Gold tier. Very well rounded portfolio.
 
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RaviAgl said:
  1. ICICI Amazon Pay
  2. SBI BPCL Octane
  3. Axis Airtel
  4. Hdfc Regalia (I have not studied Millenia, so can't say about it - My son holds a Millenia Diners Variant)
  5. Citibank (could be swapped with Amex, AU, IDFC or whatever, not sure about this)
Fortunately, I hold all of them and other than Citibank, never regretted holding them.
Click to expand...
Looks quite good, covers a lot of bases. Which Citibank card do you hold?
 
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My take on this:

1) HDFC Millenia- Best Cashback card for most used ecom sites. Won't consider SBI Cashback Card because they haven't approved my application (so, Angoor khatte hai)

2) Axis Ace (wishlist)- Still the best card for Utility bills & 2% Cashback on anything is the most wanted feature. Not getting invite coz of iOS device.

3) Axis Airtel- Sweet 25% Cashback on Airtel bills. Plus, 10% Cashback on Bigbasket, Zomato & Swiggy without any minimum spending criteria.

4) Axis Magnus (wishlist)- Whenever my spendings get beyond 1L per month, I'll take this card. Specially for milestone rewards.

5) Axis Vistara Signature (wishlist)- Whatever the makeover this card takes after merger, will decide to get this card after that.
 
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I hold 22 cards but now use only these 5 cards monthly

1. Axis Magnus -- For 1 Lakh milestone
2. Amex Platinum Travel or Axis Vistara -- If spends are above 1 Lakh or the month where 1 lakh milestone can't happen (Depending on acceptance)
3. Amex MRCC -- Paytm wallet (2x1500) + Mobikwik (1x1500) + BB wallet (1x1500)
4. Axis Airtel -- For Airtel Black (4 mobile + Broadband + DTH) Postpaid payment
5. HDFC Tata Neu -- For all UPI payments
 
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4 out of 5 from Axis!
Chaitanya-a said:
My take on this:

1) HDFC Millenia- Best Cashback card for most used ecom sites. Won't consider SBI Cashback Card because they haven't approved my application (so, Angoor khatte hai)

2) Axis Ace (wishlist)- Still the best card for Utility bills & 2% Cashback on anything is the most wanted feature. Not getting invite coz of iOS device.

3) Axis Airtel- Sweet 25% Cashback on Airtel bills. Plus, 10% Cashback on Bigbasket, Zomato & Swiggy without any minimum spending criteria.

4) Axis Magnus (wishlist)- Whenever my spendings get beyond 1L per month, I'll take this card. Specially for milestone rewards.

5) Axis Vistara Signature (wishlist)- Whatever the makeover this card takes after merger, will decide to get this card after that.
Click to expand...
4 out of 5 from Axis! Just goes on to show they have great products. Any comments on the service, on the card you currently hold?
 
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Vikash_Kumar said:
I hold 22 cards but now use only these 5 cards monthly

1. Axis Magnus -- For 1 Lakh milestone
2. Amex Platinum Travel or Axis Vistara -- If spends are above 1 Lakh or the month where 1 lakh milestone can't happen (Depending on acceptance)
3. Amex MRCC -- Paytm wallet (2x1500) + Mobikwik (1x1500) + BB wallet (1x1500)
4. Axis Airtel -- For Airtel Black (4 mobile + Broadband + DTH) Postpaid payment
5. HDFC Tata Neu -- For all UPI payments
Click to expand...
Very well rounded. Great mix of premium plus practical cards.
 
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abhishek0882 said:
4 out of 5 from Axis! Just goes on to show they have great products. Any comments on the service, on the card you currently hold?
Click to expand...
Service is great. Have Axis Airtel & Flipkart cards rn. Problem arises when I'm doing transaction close to my credit limit. Then they simply cancel it continuously.

Even their customer care have no record of failed txns so they're unable to give reason for that. After LE, txn of same amount went smoothly.

Cashback comes timely. Whenever I had contacted their customer care, they're knowledgeable enough to solve my query. Atleast I have good experience from Axis services.
 
Last edited:
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1. Axis Ace - offline txns, NPS, etc. - worth the fee
2. HDFC Millenia - well rounded card from HDFC for cashbacks - LTF for me
3. SBI CB - still valuable for 5% - worth the fee after devaluation? for 499 - its good
4. HDFC Tata Neu Infinity - UPI payments - LTF for me
5. ICICI - any LTF card for instant discounts - have Coral LTF

Currently don't have much air travel - will switch out SBI CB and get Magnus when needed. If I were to hold a 6th card - would get 1 Amex card
 
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Chaitanya-a said:
My take on this:

1) HDFC Millenia- Best Cashback card for most used ecom sites. Won't consider SBI Cashback Card because they haven't approved my application (so, Angoor khatte hai)

2) Axis Ace (wishlist)- Still the best card for Utility bills & 2% Cashback on anything is the most wanted feature. Not getting invite coz of iOS device.

3) Axis Airtel- Sweet 25% Cashback on Airtel bills. Plus, 10% Cashback on Bigbasket, Zomato & Swiggy without any minimum spending criteria.

4) Axis Magnus (wishlist)- Whenever my spendings get beyond 1L per month, I'll take this card. Specially for milestone rewards.

5) Axis Vistara Signature (wishlist)- Whatever the makeover this card takes after merger, will decide to get this card after that.
Click to expand...
Btw, SBI Vistara Prime is better than Axis VS from a personal experience. Also, hardly any exclusions on SBI except wallet loads (that too has a loophole).
 
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Amex Plat Charge - Travel benefits for hotel bookings/memberships
Amex Plat Travel - For 4 Lakh milestone spend (40k MR points + 10k Taj voucher)
Axis Magnus - For 1 Lakh monthly milestone spend
Axis Vistara Infinite - CV Gold + free business class ticket + milestone business class tickets

Just these 4 cover it for me.

If needing to add a 5th card, I’d go with the Axis Reserve for the 2x points on FX spends & potentially for the lifestyle benefits (hotel memberships, airport transfers, etc).
 
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nigameash said:
Amex Plat Charge - Travel benefits for hotel bookings/memberships
Amex Plat Travel - For 4 Lakh milestone spend (40k MR points + 10k Taj voucher)
Axis Magnus - For 1 Lakh monthly milestone spend
Axis Vistara Infinite - CV Gold + free business class ticket + milestone business class tickets

Just these 4 cover it for me.

If needing to add a 5th card, I’d go with the Axis Reserve for the 2x points on FX spends & potentially for the lifestyle benefits (hotel memberships, airport transfers, etc).
Click to expand...

Super spender category. 😎

Can't think about it as of now. Maybe some time later in life. 😀

One of the best portfolios, I think if you have hefty spends.
 
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Chaitanya-a said:
Service is great. Have Axis Airtel & Flipkart cards rn. Problem arises when I'm doing transaction close to my credit limit. Then they simply cancel it continuously.

Even their customer care have no record of failed txns so they're unable to give reason for that. After LE, txn of same amount went smoothly.

Cashback comes timely. Whenever I had contacted their customer care, they're knowledgeable enough to solve my query. Atleast I have good experience from Axis services.
Click to expand...
You are very lucky 😁
 
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