Best 3 credit cards to own

[callsignmaverick]

My 3 cards:

• HDFC Infinia
• ICICI Emeralde Private Metal
• Magnus Burgundy

Backup:

• Yes Bank Marquee
• HDFC Tata Neu Infinity [Best for UPI + Shopping on Tata Neu]

 

[Zacobite]

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

Infinia / dcb / marquee
Amz pay / scb cb / mrcc
one fuel / utilities card

 

[Sudip]

My current CC strategy:

for cashback : SBI CB, HSBC Live+ (covering online and offline)

UPI : Axis Kiwi (direct cashback in savings bank account after redeeming points)

Fuel at HP : Amex SE (don't have 1500*4 txns as travel is not too much, so will close MRCC before renewal March 2025)

Lounge : Au Zenith, HSBC Live+ (flight travel 3-4 times in a year)

others for bank offers : ICICI Platinum, HDFC Millennia.

Other cards : Amazon ICICI, Axis Flipkart (my 1st and 2nd credit card offered as LTF, began credit card journey in 2021)

Goal : trying to keep minimum CC, not into hotels, flights.
Plan to apply new cards if its offering great value. Last card applied : HSBC Live+

 

[partritronix]

My best 3 cards:

1. HDFC INFINIA
2. AXIS ATLAS
3. AXIS AIRTEL

Backup;

1. HDFC TATANUE INFINITY
2. SBI CADH BACK

 

[Swastik]

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

If i had to give up all my cards today to keep only 3, it would be

Amex Plat Travel
DCB PVC (LTF)
Tata Neu Infinity(LTF)

I would probably keep an ICICI Visa LTF card as well, considering it's my oldest and highest limit card, and should keep a visa card just in case

 

[rudr_26]

It depends on expense level and what kind of benefit someone is looking for. Someone who rarely travel has no use of point transfer to partners or lounge access, they can look for CC which gives vouchers at discounts.

For anyone >10L spend, my choices would be

HDFC Infinia for coupons, travel
Axis Atlas for travel
Amex Travel (till 4L)