Best 3 credit cards to own

[Sathishmani]

Is axis airtel useful for all
Or 4 airtel customers ?

It's useful for all. I have both jio and airtel Prepaid aims. Apart from prepaid, I have Jio fiber, Swiggy food orders and electricity bills. So it's best in class for getting 10 to 25% offers.

 

[partritronix]

1. HDFC INFINIA for smartbuy
2. AXIS ATLAS for others
3. AXIS AIRTEL for mobile bill payment, bigbasket, swiggy

sometimes SBI CASHBACK

 

[anirban.choudhuryanirban.choudhury is verified member.]

Cashback/Voucher/Product Catalog Segments

Exclusive Tier: Yes Private, ICICI Emeralde Private Metal, IDFC Wealth/AU Zenith/Zenith Plus

Easily Available Cards for Medium Spends (Cashback Category)
Medium Spends: SBI Cashback, HSBC Cashback, Axis ACE/Airtel

For Airmiles: Atlas, Amex GC, Amex Plat Travel

For Heavy Spending: Axis Burgundy Magnus, Amex Plat Charge

General Purpose Credit Card: HDFC Infinia, Amex MRCC, Yes Bank Reserv with Subscription or Marquee

 

[girish3456]

Hdfc bank diners club black,
Idfc first bank Wealth &
PNB Rupay Select credit card

I assume Mr.D₹V has no suggestions/comments other than that boring expression. Pls dont through it and keep the expression with in you

 

[D₹V]

I assume Mr.D₹V has no suggestions/comments other than that boring expression. Pls dont through it and keep the expression with in you

Well, you never asked suggestions.

 

[Riya]

Cards comes & goes.

Use and throw.

Don't think much.

Keep 2-3 premium cards

Which is well known 😁.

You're right 👍
But I'd like to add one thing that first card one should have must be an LTF card... It should never be thrown even if it's of no use... Keeps your credit history strong... After that everything is temporary 😄

 

[Rohith-2009]

Nope just an Indian citizen ♥️

Haha, did you back up your data in TF

 

[HumorSimpson]

Haha, did you back up your data in TF

Secured necessary stories in a separate thread.

 

[Riya]

If someone wants to have just 3 cards for all type of spendings, then:

1. HDFC Infinia
2. Axis Atlas
3. SBI Cashback (until next deval)

and Amex Gold Charge Card for unwanted emergencies

 

[BVCBVC is verified member.]

If someone wants to have just 3 cards for all type of spendings, then:

1. HDFC Infinia
2. Axis Atlas
3. SBI Cashback (until next deval)

and Amex Gold Charge Card for unwanted emergencies

Getting 1 is the herculean task unless you're getting upgrade or eligible.

 

[vaibhav111vaibhav111 is verified member.]

If you are to have only 3 credit cards among which one is paid and the other two are LTF (only cards that are actually possible to get LTF), which three cards would you go for? And why?

Curious to understand which ones to own and hold in the long run (assuming devaluations don't hit those cards!)

Thanks,
MJ

with time thing will chance so there are top three at current market - hdfc infinia, amex plantium travel, axis atlas.. now you didn't mentioned the yearly spend.

 

[girish3456]

The choice squarely depend upon one's spending pattern n lifestyle.

For me -

Amazon Pay-ICICI - Visa
SBI CashBack - Visa
AXIS Airtel - Visa

And,
PNB SELECT RUPAY - for small n daily needs.

I have another 6 cards - to meet specific needs - but not a-must-to - hold-cards.

Wide acceptance across India, ever dependable, tension-free use at all times decide the best 4 cards.

Bro, have you accessed airport lounges domestic and international lounges with your PNB Rupay Select credit card

 

[RAMESH BABU N]

No, not yet, with my own cards.
But, yes with my son's cards. Abroad. Yes.
Domestic - no.

 

[jk51]

If you are to have only 3 credit cards among which one is paid and the other two are LTF (only cards that are actually possible to get LTF), which three cards would you go for? And why?

Curious to understand which ones to own and hold in the long run (assuming devaluations don't hit those cards!)

Thanks,
MJ

SC Ultimate - Paid
SBI Cashback - LTF
Amex Plat Travel - Not LTF per se but through fee waiver

 

[girish3456]

No, not yet, with my own cards.
But, yes with my son's cards. Abroad. Yes.
Domestic - no.

Actually was in confusion whether PNB Rupay Select credit card really provides international airport lounge access or not but thanks for your confirmation.

Now am bit happy

 

[AlphaCAT]

SBI Cashback LTF
Neu Infinity LTF
Airtel Axis FYF

 

[msk1437]

1 HDFC Infinia for smartbuy
2 IDFC vistara for rest online and offline
3 Tata nue infinity for upi

 

[Ankur15991]

Earlier most of my transactions were on Magnus. After closing it last month my spendings are on:


1. HDFC TATA Neu Infinite: UPI, Utility, Grocery through BB
2. SBI Cashback: Online Spends
3. Axis Atlas: Offline, Hotel and Airline Spends

Above are the best 3 cards for me as of now.

Few other spends i do on below cards:

IDFC Vistara: Rent Transactions (To get PE Tickets on milestone which values more than charges paid on rent, also gives few CV points)
Indus Eazydiner Signature (LTF): Dining (When i book table through Eazydiner App otherwise i use Atlas)
This is also a very good card for BMS as it gives max 400 off even on a single ticket booking.

 

[msk1437]

This is also a very good card for BMS as it gives max 400 off even on a single ticket booking

Does it give discount on single ticket? Can you elaborate it?

 

[Ankur15991]

Does it give discount on single ticket? Can you elaborate it?

You don’t need to book minimum 2 tickets to get discount on BMS. This card gives max 200 discount on single ticket booking and max 400 on two or more tickets.