5 credit cards challenge

[abhishek0882]

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 😛 .

 

[saucy]

1. Amazon pay - for obvious reasons
2. Kotak Privy Signature- Get Rs.6400 pa by paying 2800 for the card renewal.
3. HDFC Regalia LTF - would want to convert it to DCB / Infinia in future once I'm eligible
4. I'll apply for some Amex card for it's travel benefits and also because its Amex ! Lol
5. A ultra premium Axis card when my spending goes up

PS. I like my Onecard as well since it is made of metal and app UI is good.

Kotak privy -- what kind of sorcery is that? Any links?

 

[4uziaul]

True. Offers on Zomato are drying up. Guess they will soon burn through their reserves. Will be interesting to see what will happen by the end of this year. Side note- how did you guys get the annual membership? All I can see is a 3-month membership on both platforms. I bought the zomato gold membership now for the Carnival offers. 😛

I said the same thing can't see any 1 year offers and had to subscribe for 3 months. I think best way to get the offer is stop using it for sometime 😂

 

[CARDBITRAGE]

And yes, few years ago I used to change my location to a tier2 or tier 3 city to get Zomato gold for a lower price. Has anyone tried that this time?

 

[plastikman]

Kotak privy -- what kind of sorcery is that? Any links?

I have been enjoying for last 3 years @ 1600/quarter 😀

 

[saucy]

Unko paise ki boo aati bhai tumse. Isliye 500 ke neeche nahi dikhate

Don't know if its the scene only with my location or not but most of the swiggy offers are above ₹500 orders. Very few overpriced restaurants have good offers which isn't worth it. Zomato is best for me atleast.

 

[faltooAdmi]

I said the same thing can't see any 1 year offers and had to subscribe for 3 months. I think best way to get the offer is stop using it for sometime 😂

I had not been using my swiggy account for about 6 months now. But still don't see 12 month option.

For a while it showed at 1199/- but now just showing 3 month option at 299/-

 

[RewardsAlert]

Has any CC enthusiast tried to use ONDC for food ordering?
Does Swiggy One or Zomato gold makes sense after its entry?

Want to know more about different perspectives!

 

[saucy]

I had the same - just 15 days back, today by luck saw @saucy comment - Swiggy > Zomato - to my surprise got the best deal View attachment 18041

Chalo then order me a pizza at NDLS xD

 

[Walter White]

Has any CC enthusiast tried to use ONDC for food ordering?
Does Swiggy One or Zomato gold makes sense after its entry?

Want to know more about different perspectives!

Not that great. Delivery charges are absurd at times. There are hardly any discounts offered.

 

[saucy]

Has any CC enthusiast tried to use ONDC for food ordering?
Does Swiggy One or Zomato gold makes sense after its entry?

Want to know more about different perspectives!

ONDC delivered order to me using Zomato delivery guy 🤣🤣
It doesn't have many options. Plus no platform to complain to -- AND it takes a LOOONG time to deliver (1hr+ in my case)

 

[faltooAdmi]

Has any CC enthusiast tried to use ONDC for food ordering?
Does Swiggy One or Zomato gold makes sense after its entry?

Want to know more about different perspectives!

Also currently it's being subsidised by govt as govt maybe trying to promote the ondc I think. Once that subsidy goes away then there will be very little difference between the prices

Also the support of swiggy & Zomato will always remain better

 

[4uziaul]

Has any CC enthusiast tried to use ONDC for food ordering?
Does Swiggy One or Zomato gold makes sense after its entry?

Want to know more about different perspectives!

It's already being discussed here

ONDC (Open Network for Digital Commerce) lets restaurants sell food directly to consumers without the need for a third party

ONDC is not a separate app that you can download from Play Store. Instead, ONDC works like UPI, which means it can be added to existing apps like--Paytm, PhonePe and Meesho, etc. ONDC has more than 29,000 sellers that are selling 36 lakh plus products...

www.technofino.in

And didn't hear positive things about it, but it's in very early stages, with time hopefully it will improve.

 

[Walter White]

ONDC delivered order to me using Zomato delivery guy 🤣🤣
It doesn't have many options. Plus no platform to complain to -- AND it takes a LOOONG time to deliver (1hr+ in my case)

ONDC has tie up with Magicpin btw, atleast in Delhi-NCR 🤣

 

[abhishek0882]

Looking at the responses on this thread till now, it seems that post Magnus, Infinia and DCB have gone down in their perceived value as well as aspirational level of card applicants. First the devaluations and then the Magnus hit.

 

[saucy]

ONDC has tie up with Magicpin btw 🤣

And Paytm, and some others too, here in Delhi

 

[RewardsAlert]

ONDC has tie up with Magicpin btw, atleast in Delhi-NCR 🤣

ONDC as a platform has tie up with these apps like Phonepe, Paytm, MagicPin, etc but for delivery they still use Zomato as far as I have read.

Let's see, I think it might be too early to judge ONDC, after all every new initiative like UPI also had humble beginnings.

 

[CARDBITRAGE]

Has any CC enthusiast tried to use ONDC for food ordering?
Does Swiggy One or Zomato gold makes sense after its entry?

Want to know more about different perspectives!

Lol. ONDC doesn't make sense to me. Half the restaurants are unavailable. The other half I've never heard of. I don't know if it is influencer marketing, but I honestly find better deals on Zomato & Swiggy. Plus delivery fee on ONDC is a bit on the higher side and no card-based/platform-based offers.

 

[Walter White]

If a restaurant has its own delivery service, you can always try asking them to match the amount on Swiggy/Zomato sans the delivery charges. They generally agree to it as it saves them from commission to be paid.

 

[Chaitanya-a]

Has any CC enthusiast tried to use ONDC for food ordering?
Does Swiggy One or Zomato gold makes sense after its entry?

Want to know more about different perspectives!

From my experience:

I have ordered food and it got delivered after 1.5 hrs. Pure cold food. Now they've started charging exorbitant prices for delivery as well.

Ordered grocery. Whole day passed but no sign of any communication. Complained to paytm but no response. After 2 days, they refunded the money by saying 'seller has increased the price'.

So its not a reliable platform until they have dedicated complaint centre and delivery partner which is not going to happen (atleast 2nd part). Better stick to Zomato, Swiggy, bigbasket etc.

 

[4uziaul]

I think this thread has been hijacked 😂 from 5 credit card challenge to ONDC now 🤣