Best Credit Card Usage Strategy Across Spending Categories

[cardio_guy]

I have some of the cards mentioned above. But I am focusing on cashback cards.

Haven't explored reward points-based cards like regalia gold, because that needs different kind of spending plan. We need to keep collecting points, using multiplier sites etc and then redeem for the best value. Somehow I feel points based cards are little difficult for me personally to follow.

Most of my spends are on these cards:

HDFC Swiggy: 10% on Swiggy, 5% on Amazon, Myntra, Ola.
HDFC Tata Neu Infinity: 5% (app) + 5% (card) on 1mg, bigbasket, utilities. 1.5% on UPI scans.
ICICI Amazon Pay: 5% on Amazon spends, 2% on gift cards
ICICI Sapphiro: B1G1 upto Rs 500 on BMS, twice a month
Federal Celesta: App specific offers, B1G1 movie tickets.
Indusind Tiger: Free movie ticket once in 6 months.

@Vinay13 surprising to see HSBC Live+ as LTF. Can you share the agent's number pls? For me whenever I ask them, it is always fully chargeable.

 

[cardio_guy]

Also some cards are very low rewarding cards. No use of spending high amounts on these - like icici sapphiro, idfc first wealth. (I think AU vetta also)
Instead of these cards, if we spend the same amount on other better cards, returns would be atleast 1% higher.

 

[Vinay13]

I have some of the cards mentioned above. But I am focusing on cashback cards.

Haven't explored reward points-based cards like regalia gold, because that needs different kind of spending plan. We need to keep collecting points, using multiplier sites etc and then redeem for the best value. Somehow I feel points based cards are little difficult for me personally to follow.

Most of my spends are on these cards:

HDFC Swiggy: 10% on Swiggy, 5% on Amazon, Myntra, Ola.
HDFC Tata Neu Infinity: 5% (app) + 5% (card) on 1mg, bigbasket, utilities. 1.5% on UPI scans.
ICICI Amazon Pay: 5% on Amazon spends, 2% on gift cards
ICICI Sapphiro: B1G1 upto Rs 500 on BMS, twice a month
Federal Celesta: App specific offers, B1G1 movie tickets.
Indusind Tiger: Free movie ticket once in 6 months.

@Vinay13 surprising to see HSBC Live+ as LTF. Can you share the agent's number pls? For me whenever I ask them, it is always fully chargeable.

Sorry bro…i said i ignored the call

 

[kuchbhi]

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

No I was not surprised but was just enquiring since I was never a hsbc customer!

 

[SureShot]

I never heard anyone got HSBC Cashback/ Live+ as FYF leave aside LTF. Those people who called are not from HSBC directly, they are some agents or third parties.

I also got a similar call recently stating as HSBC rep with LTF offer for Live+ card though I already hold old cashback card. They don't have any of my details and miselling visa platinum by telling Live+ benefits. I gave a warning not to fool people, later she apologized and disconnected.

 

[Vinay13]

I never heard anyone got HSBC Cashback/ Live+ as FYF leave aside LTF. Those people who called are not from HSBC directly, they are some agents or third parties.

I also got a similar call recently stating as HSBC rep with LTF offer for Live+ card though I already hold old cashback card. They don't have any of my details and miselling visa platinum by telling Live+ benefits. I gave a warning not to fool people, later she apologized and disconnected.

This happens thats why i never trust this third party agents.

 

[sambitpatro]

This happens thats why i never trust this third party agents.

You must have been offered hsbc platinum which is already LTF. Live+ is never offered LTF or FYF

 

[Vinay13]

You must have been offered hsbc platinum which is already LTF. Live+ is never offered LTF or FYF

Nope it was live+ because he told 10% cb on grocery ,dining etc

 

[sambitpatro]

Nope it was live+ because he told 10% cb on grocery ,dining etc

Then he was falsifying details

 

[Vimal Jesu Raj A]

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.

What is the strategy you used to get
1. ICICI Sapphiro LTF
2. HDFC Regalia Gold LTF!

 

[cardio_guy]

On cashback cards I think on the descending order of best cashbacks (straight, without hacks)-

25%	Axis Airtel on utility bills (capped though)
10%	Neu Infinity, Live+ and Swiggy cards for groceries (some more may be there)
5%	5% is the most common, many cards give 5% on many categories - top ones being SBI Cashback, ICICI Amazon Pay, Flipkart Axis, etc.
4%	Axis flipkart offers 4% on some categories, Axis Ace offers 4% on some cats
2%	Many cards offer 2%, including StanC for some rare cats.
1%	many rupay cards offer 1% for UPI scans.

Feel free to add anything that I might have missed.

 

[kuchbhi]

in a few months you'll be getting snapdeal bob ltf additional do take it

 

[fradela]

Today got one more LTF RuPay Credit card from AU.
Benefits:

• Earn 1% cashback on UPI transactions across Departmental Stores, Dining, Pharmacy, and Grocery & Supermarkets. (Maximum INR 100 per statement cycle)
• Minimum transaction amount should be greater than or equal to INR 200

 

[cardio_guy]

I have been trying for AU card but due to address issue it is getting rejected. Deleted the lead ID 3 times. Not trying now.

They have this permanent address, current address and office address concept. My permanent aadhaar address and office address are in 2 states.
Aadhaar address is not serviceable. So dropped the plan.

 

[fradela]

Receiving Life Time Free BOBCARD HPCL ENERGIE Credit Card offer.

Shall I take this one? Any benefits?