Best Credit Card Usage Strategy Across Spending Categories

[fradela]

I have following Credit Cards. All are Life Time Free Cards.

1. HDFC Regalia Gold | Mastercard World | LTF
2. HDFC Tata Neu Infinity | RuPay Select | LTF
3. HDFC Swiggy | Mastercard World | LTF
4. AU Vetta | VISA Signature | LTF
5. Federal Celesta | VISA Signature | LTF
6. BOB Premier | RuPay | LTF
7. IDFC First Wealth | Visa Infinite | LTF
8. ICICI Sapphiro Dual | Mastercard and Amex | LTF
9. IndusInd Legend | Visa Signature | LTF
10. One Card | Visa Signature | LTF

Can you please guide me on which card I should use for specific spending categories like groceries, dining, online shopping, travel, fuel, and bill payments to maximize benefits and rewards?

Additionally, if there are any specific offers or unique features to keep in mind for these cards, please share your insights!

Am I missing any Credit Cards for my portfolio?
Offline:
Groceries: (Mostly offline Departmental stores)
Thinking of using Swiggy or Tata Neu. which one is best

DMart, Big Bazaar, Spar, Lifestyle, Max, Trends, AJFAN Nuts and Dry Fruits.

Online: Amazon, Flipkart, Amway.

Bills: EB Bill, Gas Bill, Annual Recharge JIO Sim. Broadband (Excitel).

Fuel usually cash: Monthly 2000.

 

[fradela]

@Ram1 @SSV @fradela @pinki @kuchbhi @Abhishek012 @HumorSimpson @Vasuki @Anindya98 @cardio_guy @its_karan @Vinay13

Experts Please provide your insights.

 

[Anindya98]

@Ram1 @SSV @fradela @pinki @kuchbhi @Abhishek012 @HumorSimpson @Vasuki @Anindya98 @cardio_guy @its_karan @Vinay13

Experts Please provide your insights.

Share your overall monthly/annual spending category-wise. What are you looking for in a Credit card? Like LTF/ any specific benefits

Can you please guide me on which card I should use for specific spending categories like groceries, dining, online shopping, travel, fuel, and bill payments to maximize benefits and rewards?

Monthly/ annual spending on each category
.

 

[Pissant]

Regalia Gold - Other Spends + Anywhere where Gyftr works

Tata Neu Infinity - All UPI and spends on Tata companies

Swiggy - For Swiggy and groceries if you do it online

OneCard - Can be used for fuel

Save the rest of the cards for Brand Specific offers

 

[fradela]

Share your overall monthly/annual spending category-wise. What are you looking for in a Credit card? Like LTF/ any specific benefits

Monthly/ annual spending on each category
.

Offline:
Groceries: (Mostly offline Departmental stores)
Thinking of using Swiggy or Tata Neu. which one is best

DMart, Big Bazaar, Spar, Lifestyle, Max, Trends, AJFAN Nuts and Dry Fruits.

Online: Amazon, Flipkart, Amway.

Bills: EB Bill, Gas Bill, Annual Recharge JIO Sim. Broadband (Excitel).

Fuel usually cash: Monthly 2000.

 

[kuchbhi]

Airtel axis is good for Electricity Bill payment!

 

[fradela]

Airtel axis is good for Electricity Bill payment!

For me EB bill is around 200 only.

 

[kuchbhi]

For me EB bill is around 200 only.

ohh i seee

 

[Anindya98]

Am I missing any Credit Cards for my portfolio?
Offline:
Groceries: (Mostly offline Departmental stores)

Use GV using SBI CB or SBI Simply Save or Yes Kiwi 2% with Neon Pass

Thinking of using Swiggy or Tata Neu. which one is best

Gives 1% Swiggy and 1.5% Tata Neu for offline

DMart, Big Bazaar, Spar, Lifestyle, Max, Trends, AJFAN Nuts and Dry Fruits.

Use SBI CB for online gives 5% CB

Online: Amazon, Flipkart, Amway.

SBI CB

Bills: EB Bill, Gas Bill, Annual Recharge JIO Sim. Broadband (Excitel).

Rupay Platinum DC, Airtel Axis, or Axis Ace

Fuel usually cash: Monthly 2000.

Co-branded Fuel card based on your nearest pump

 

[Vinay13]

Regalia Gold - Other Spends + Anywhere where Gyftr works

Tata Neu Infinity - All UPI and spends on Tata companies

Swiggy - For Swiggy and groceries if you do it online

OneCard - Can be used for fuel

Save the rest of the cards for Brand Specific offers

Offline:
Groceries: (Mostly offline Departmental stores)
Thinking of using Swiggy or Tata Neu. which one is best

DMart, Big Bazaar, Spar, Lifestyle, Max, Trends, AJFAN Nuts and Dry Fruits.

Online: Amazon, Flipkart, Amway.

Bills: EB Bill, Gas Bill, Annual Recharge JIO Sim. Broadband (Excitel).

Fuel usually cash: Monthly 2000.

Can you tell how much yearly you spend on each category?
You haven’t mentioned the type of travel expenses you have.

 

[Vinay13]

Do you have rental/govt/taxes/NPS , jewellery , insurance payments?

 

[fradela]

Can you tell how much yearly you spend on each category?
You haven’t mentioned the type of travel expenses you have.

Travel only sleeper buses. Mostly I use Redbus.

Yearly spend, not calculated so far.

Monthly 20 to 30 thousand.

 

[fradela]

Do you have rental/govt/taxes/NPS , jewellery , insurance payments?

50,000 NPS
20,000 LIC Insurance.

 

[kuchbhi]

apay icici le lijiye
2% cb ke lite amazon pay pe payments ke liye

 

[Vinay13]

My suggestion would be:
Grocery, Dining, Food delivery: HSBC Live+ LTF ( why this compared to SBI CB is these gives 10% even with offline spends)
Online shopping: SBI CB (5% )
BILLS and Insurance: Amazon pay vouchers through SBI CB/Regalia Gold (5%)
Regalia Gold can be used for Travel related spends.
For other spends HSBC Live+ 1.5% cashback.
Considering cap on SBI CB and HSBC Live+ , combing both makes sense.
overall you are getting >5% CB which is good.

 

[kuchbhi]

My suggestion would be:
Grocery, Dining, Food delivery: HSBC Live+ LTF ( why this compared to SBI CB is these gives 10% even with offline spends)
Online shopping: SBI CB (5% )
BILLS and Insurance: Amazon pay vouchers through SBI CB/Regalia Gold (5%)
Regalia Gold can be used for Travel related spends.
For other spends HSBC Live+ 1.5% cashback.
Considering cap on SBI CB and HSBC Live+ , combing both makes sense.
overall you are getting >5% CB which is good.

and hsbc live + ltf kaise

 

[dexter_greycells]

OP, if you are in Mumbai then you must sponsor a lunch or dinner for me at a place of my choosing and only then I can provide my expertise 😉

 

[Vinay13]

and hsbc live + ltf kaise

You can get FYF/LTF offers. I was offered I did not take, my friend has taken.
Annual fee waived off on spending 2L in a year

 

[kuchbhi]

You can get FYF/LTF offers. I was offered I did not take, my friend has taken.
Annual fee waived off on spending 2L in a year

you were offered LTF?

 

[Vinay13]

you were offered LTF?

Yeah why you are surprised? I just ignored a call ..i get LTF offers almost daily I just do not pick most of calls.