nanauser
TF Buzz
Hi everyone
Few months back I was considering changing up my cards to aim at getting travel related rewards and I had been quite happy with my setup so far. Here's my current setup:
1. Amex Plat Travel - use for 4L and store (as soon as it's renewed I use it for 2 categories that other cards never give benefits on - tax payments and gold).
2. Amex MRCC & Gold Charge - Just use them for the 1.5k x 4, 1k x 6 and 20k monthly milestones and keep them aside.
3. IDFC Vistara - For everything else (day to day card) along with any tax payments or any high value purchases (after Plat's 4L is exhausted).
Besides this, I have 3 cards that I find quite useful:
1. Swiggy HDFC - everytime I order from swiggy which is quite a lot
2. SBI CB - Love the cashback on places where I don't use the Vistara and have already gotten the fee waived so didn't care to close it.
3. Neu Plus - For all UPI purchases - not happy with the rewards but I don't have any better card for UPI.
Besides this, I have a few cards that I hardly use and have only kept for niche categories:
1. Marriott bonvoy card - welcome and renewal benefits are good as well as lounge access.
2. Indusind EazyDiner card - got it for the welcome benefit and use it for all eating outside activies - I think it is immense value everytime I go out to eat.
Now the issue: IDFC card is not going to renewed according to this thread and that means I don't have a do-it-all card anymore. Moreover, I have already hit the 9L milestone in the card and within a few days I will hit the 12L milestone. After that the card is as good as thrown away.
I have a big purchase coming up in about ~15 days and my plat travel will be renewed right before so I will be using it there. But this also means I will almost hit 4L in plat travel within 7 days of renewal.
However, my annual expenses have increased and I am fairly sure I will be spending ~20L in a year (consider all small and major purchases and I try to put everything on the card).
So now I need a new do-it-all card that will be give me rewards on tax payments (should be near 5L in a year), gold purchases (should be ~4L in a year) and everything else (forex should be ~4L or more).
I thought of getting Atlas to make it the new do-it-all card Axis keeps on declining the card so I am tired of trying to get it.
I would love to hear suggestions on which cards I should pursue or portfolio of cards.
Here's the expected expenses in the coming FY for me:
1. ~10L in travel (flights/stays)
2. ~5L or more in forex - I have the Mayura that I got for the lounge benefit as I was desperate to get a zero-forex card before my last international trip
3. ~4.5L in rent
4. ~8L in annual day-to-day expenses
5. ~5L in gold etc.
I have an upcoming trip planned late May where I will be needing to spend ~6L or more just in Forex (at hotels, experiences, stuff I buy etc) thus I am kind of desperate to get a card before it's too late.
Ohh, and I also tried to get the Regalia Gold (through my RM) and I was told that I need to be physically present in my hometown to sign the form and I literally gave up. I am even considering shutting down that bank account as it doesn't seem to be good for anything.
I and my wife love to travel so cards that do give flight/stay rewards are the ones I am aiming for.
So far, I feel like AmEx has been really good with their rewards, the limit they have provided and overall experience and I am even considering going with the plat charge but then ~66k feels like a lot for a card (then there's the issue of convincing the wife about it).
Few months back I was considering changing up my cards to aim at getting travel related rewards and I had been quite happy with my setup so far. Here's my current setup:
1. Amex Plat Travel - use for 4L and store (as soon as it's renewed I use it for 2 categories that other cards never give benefits on - tax payments and gold).
2. Amex MRCC & Gold Charge - Just use them for the 1.5k x 4, 1k x 6 and 20k monthly milestones and keep them aside.
3. IDFC Vistara - For everything else (day to day card) along with any tax payments or any high value purchases (after Plat's 4L is exhausted).
Besides this, I have 3 cards that I find quite useful:
1. Swiggy HDFC - everytime I order from swiggy which is quite a lot
2. SBI CB - Love the cashback on places where I don't use the Vistara and have already gotten the fee waived so didn't care to close it.
3. Neu Plus - For all UPI purchases - not happy with the rewards but I don't have any better card for UPI.
Besides this, I have a few cards that I hardly use and have only kept for niche categories:
1. Marriott bonvoy card - welcome and renewal benefits are good as well as lounge access.
2. Indusind EazyDiner card - got it for the welcome benefit and use it for all eating outside activies - I think it is immense value everytime I go out to eat.
Now the issue: IDFC card is not going to renewed according to this thread and that means I don't have a do-it-all card anymore. Moreover, I have already hit the 9L milestone in the card and within a few days I will hit the 12L milestone. After that the card is as good as thrown away.
I have a big purchase coming up in about ~15 days and my plat travel will be renewed right before so I will be using it there. But this also means I will almost hit 4L in plat travel within 7 days of renewal.
However, my annual expenses have increased and I am fairly sure I will be spending ~20L in a year (consider all small and major purchases and I try to put everything on the card).
So now I need a new do-it-all card that will be give me rewards on tax payments (should be near 5L in a year), gold purchases (should be ~4L in a year) and everything else (forex should be ~4L or more).
I thought of getting Atlas to make it the new do-it-all card Axis keeps on declining the card so I am tired of trying to get it.
I would love to hear suggestions on which cards I should pursue or portfolio of cards.
Here's the expected expenses in the coming FY for me:
1. ~10L in travel (flights/stays)
2. ~5L or more in forex - I have the Mayura that I got for the lounge benefit as I was desperate to get a zero-forex card before my last international trip
3. ~4.5L in rent
4. ~8L in annual day-to-day expenses
5. ~5L in gold etc.
I have an upcoming trip planned late May where I will be needing to spend ~6L or more just in Forex (at hotels, experiences, stuff I buy etc) thus I am kind of desperate to get a card before it's too late.
Ohh, and I also tried to get the Regalia Gold (through my RM) and I was told that I need to be physically present in my hometown to sign the form and I literally gave up. I am even considering shutting down that bank account as it doesn't seem to be good for anything.
I and my wife love to travel so cards that do give flight/stay rewards are the ones I am aiming for.
So far, I feel like AmEx has been really good with their rewards, the limit they have provided and overall experience and I am even considering going with the plat charge but then ~66k feels like a lot for a card (then there's the issue of convincing the wife about it).
