Best suited credit card as per spend category

[Cardzmania]

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

I have approx 13-14 lakh spend per year I would like to know the best suited (at least 2 Credit card in each category)


Note - I am not a HDFC infinia user

Category Spend	Amount	Best suited Credit Card
Electricity, Mobile Recharge, Gas, Wi-Fi	50,000
Insurance	1,30,000
Petrol	60,000
UPI Payment	4,00,000
Rent	3,50,000
OTTs	10,000
NPS Payment	50,000
Offline Grocery (Reliance, Dmart & Local)	75,000
Swiggy, Zomato & Restaurants	30,000
Flights	60,000
Hotels	1,20,000
Amazon/Myntra Spend	60,000

 

[helloworld]

atlas : around 11%
- https://www.technofino.in/community/threads/axis-atlas-vs-hdfc-regalia-gold-vs-axis-horizon.26500/

for utility, insurance through apay voucher, rest directly with card: grocery, food restaurant, flight and hotel, online shopping

- apprx. 5.25L

or AMEX Plat Travel: 4L (include petrol, nps)

UPI: tatanue Infinity or kiwi

rent upto you, none exist..

 

[cardio_guy]

I will answer based on what cards I hold and how I manage these:

Category Spend	Amount	Best suited Credit Card
Electricity, Mobile Recharge, Gas, Wi-Fi	50,000	Neu infinity, Rupay platinum debit card (5%)
Insurance	1,30,000	Neu infinity (5%)
Petrol	60,000	Neu infinity UPI scan (-)
UPI Payment	4,00,000	Neu infinity UPI (1.5%)
Rent	3,50,000	I don't know
OTTs	10,000	Bundled with Jio Fiber
NPS Payment	50,000	I don't know
Offline Grocery (Reliance, Dmart & Local)	75,000	Pluxee card, Neu infinity UPI, or swipe (1.5%)
Swiggy, Zomato & Restaurants	30,000	HDFC Swiggy (10%)
Flights	60,000	Amazon Pay ICICI on Amazon Pay (5%)
Hotels	1,20,000	Amazon Pay ICICI on Amazon Pay (5%)
Amazon/Myntra Spend	60,000	Amazon Pay ICICI (5%)

 

[BVCBVC is verified member.]

Thread 'Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino'

Dec 31, 2024

Hello TFCians,

First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family.

As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending in 2025.

In each category, I will be suggesting a range of credit cards, spanning from lifetime...

• TechnoFino
• best cards credit cards
• Replies: 101
• Forum: Informative Threads

• 
• 
• 

Majority covered with limits in the above link. If any more doubts you can reach here someone should help.

 

[Subhajeet]

I will answer based on what cards I hold and how I manage these:

Category Spend	Amount	Best suited Credit Card
Electricity, Mobile Recharge, Gas, Wi-Fi	50,000	Neu infinity, Rupay platinum debit card (5%)
Insurance	1,30,000	Neu infinity (5%)
Petrol	60,000	Neu infinity UPI scan (-)
UPI Payment	4,00,000	Neu infinity UPI (1.5%)
Rent	3,50,000	I don't know
OTTs	10,000	Bundled with Jio Fiber
NPS Payment	50,000	I don't know
Offline Grocery (Reliance, Dmart & Local)	75,000	Pluxee card, Neu infinity UPI, or swipe (1.5%)
Swiggy, Zomato & Restaurants	30,000	HDFC Swiggy (10%)
Flights	60,000	Amazon Pay ICICI on Amazon Pay (5%)
Hotels	1,20,000	Amazon Pay ICICI on Amazon Pay (5%)
Amazon/Myntra Spend	60,000	Amazon Pay ICICI (5%)

how rupay platinum debit card gives 5% please guide

 

[S U D O]

Category Spend	Amount	Best suited Credit Card
Electricity, Mobile Recharge, Gas, Wi-Fi	50,000
Insurance	1,30,000
Petrol	60,000
UPI Payment	4,00,000
Rent	3,50,000
OTTs	10,000
NPS Payment	50,000
Offline Grocery (Reliance, Dmart & Local)	75,000
Swiggy, Zomato & Restaurants	30,000
Flights	60,000
Hotels	1,20,000
Amazon/Myntra Spend	60,000

Category Spend	Amount	My Credit Cards	Better Card (If any)
Electricity, Mobile Recharge, Gas, Wi-Fi	50,000	Airtel Axis (25% or 10%)
Insurance	1,30,000	HDFC TNI (5%)
Petrol	60,000	SBI BPCL Octane (6.25%), BOB HPCL (4%)	RBL IOCL Xtra
UPI Payment	4,00,000	TNI (0.5% or 1.5%) or any card is fine	Yes Kiwi
Rent	3,50,000	:-(	Amex ?
OTTs	10,000	:-(	SBI CB if you have nothing else
NPS Payment	50,000	AU LIT with Active Features (5% to 7% or maybe more)
Offline Grocery (Reliance, Dmart & Local)	75,000	Axis Vistara (Milestone) / SBI BPCL Octane (2.25%)	HSBC Live+ / Atlas
Swiggy, Zomato & Restaurants	30,000	Delivery - Axis Airtel (10%) Restaurants - Axis Vistara (Milestone)	Restaurants - Indus EazyDiner / Axis Atlas / Infinia / M4B
Flights	60,000	Axis Vistara (Milestone) / ICICI Apay	Axis Atlas / Infinia with SB
Hotels	1,20,000	HDFC RG with SB (12%)
Amazon/Myntra Spend	60,000	Amazon - ICICI Apay (5%) Myntra - HDFC RG (6.67%)	SBI CB

 

[Cardzmania]

Category Spend	Amount	My Credit Cards	Better Card (If any)
Electricity, Mobile Recharge, Gas, Wi-Fi	50,000	Airtel Axis (25% or 10%)
Insurance	1,30,000	HDFC TNI (5%)
Petrol	60,000	SBI BPCL Octane (6.25%), BOB HPCL (4%)	RBL IOCL Xtra
UPI Payment	4,00,000	TNI (0.5% or 1.5%) or any card is fine	Yes Kiwi
Rent	3,50,000	:-(	Amex ?
OTTs	10,000	:-(	SBI CB if you have nothing else
NPS Payment	50,000	AU LIT with Active Features (5% to 7% or maybe more)
Offline Grocery (Reliance, Dmart & Local)	75,000	Axis Vistara (Milestone) / SBI BPCL Octane (2.25%)	HSBC Live+ / Atlas
Swiggy, Zomato & Restaurants	30,000	Delivery - Axis Airtel (10%) Restaurants - Axis Vistara (Milestone)	Restaurants - Indus EazyDiner / Axis Atlas / Infinia / M4B
Flights	60,000	Axis Vistara (Milestone) / ICICI Apay	Axis Atlas / Infinia with SB
Hotels	1,20,000	HDFC RG with SB (12%)
Amazon/Myntra Spend	60,000	Amazon - ICICI Apay (5%) Myntra - HDFC RG (6.67%)	SBI CB

Could you please explain, How to use AU LIT for NPS payment to get 5%-7% and the charges associated with it.

 

[Cardzmania]

Thread 'Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino'

Dec 31, 2024

Hello TFCians,

First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family.

As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending in 2025.

In each category, I will be suggesting a range of credit cards, spanning from lifetime...

• TechnoFino
• best cards credit cards
• Replies: 101
• Forum: Informative Threads

• 
• 
• 

Majority covered with limits in the above link. If any more doubts you can reach here someone should help.

In this you have mentioned 3.82% Airmiles against the Rent payment for Axis Magnus Burgundy. Which platform to use for rent payment please let me know

 

[BVCBVC is verified member.]

In this you have mentioned 3.82% Airmiles against the Rent payment for Axis Magnus Burgundy. Which platform to use for rent payment please let me know

Please open the below thread and post your query there.

Thread 'Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino'

Dec 31, 2024

Hello TFCians,

First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family.

As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending in 2025.

In each category, I will be suggesting a range of credit cards, spanning from lifetime...

• TechnoFino
• best cards credit cards
• Replies: 101
• Forum: Informative Threads

• 
• 
• 

 

[helloworld]

Could you please explain, How to use AU LIT for NPS payment to get 5%-7% and the charges associated with it.

activate features worth 950rs/quarter, and spend to get 5%-7%.

Thread 'SBI Cashback vs HDFC Swiggy vs HDFC Millennia vs AU Lit'

Nov 28, 2024

Category​	SBI Cashback​	HDFC Swiggy​	HDFC Millennia​	AU LIT​
Fee / Fee Waiver	₹1,180 / Waived on ₹2L	LTF (till 31st Dec)#, or ₹590 / Waived on ₹2L	LTF (till 15th Jan)#, or ₹1,180 / Waived on ₹1L	₹3,776
Annual Fee Benefits / Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)	None / (₹-3,776)

...

• helloworld
• Replies: 64
• Forum: Credit Card Comparison

• 
• 
• 

regarding charges and other cards

Thread 'Best card for NPS Contribution'

Sep 19, 2022

Last update: 11-01-2025

• HDFC : Milestone benefits only ✅
• HSBC Cashback: 0% ✅
• AMEX Gold Charge: 1 MR/50 + Milestone benefits ✅
• AMEX SmartEarn/ MRCC/Platinum Travel: Milestone benefits only ✅
• AU Zenith: Milestone benefits only ✅
• AU Zenith+: 1% + Milestone benefits ✅
• SC Smart: 2% ✅
• SC Ultimate: 2% (Govt. transaction) ✅
• ICICI AmazonPay: 1%
• Yes Marquee: 1.25% (Special MCC) ✅

Note: Mostly other cards from same bank works with varied reward rate and similar rule of exclusion.

For NPS payments MCC: 9399 (Govt. Services)

Do check both payment...

• Waynoway
• Replies: 635
• Forum: Credit Card - General

• 

-- do use search feature to know more about 'LIT' features and benefits.

 

[helloworld]

Could you please explain, How to use AU LIT for NPS payment to get 5%-7% and the charges associated with it.

for you platinum travel still best to get 6% + 10K taj voucher.