Best suited credit card as per spend category

Cardzmania · Jan 10, 2025

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

hellowo₹ld · Jan 10, 2025

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 · Jan 10, 2025

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%)

BVC · Jan 10, 2025

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...

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

Subhajeet · Jan 10, 2025

cardio_guy said:
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 · Jan 10, 2025

Cardzmania said:
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 · Jan 15, 2025

S U D O said:
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 · Jan 15, 2025

BVC said:
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: 152

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

BVC · Jan 15, 2025

Cardzmania said:
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...

hellowo₹ld · Jan 15, 2025

Cardzmania said:
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 vs AXIS Cashback'

Nov 28, 2024

Category	SBI Cashback	HDFC Swiggy	HDFC Millennia	AU LIT	AXIS Cashback
Fee / Fee Waiver	₹1,180 (Waived on ₹2L)	LTF or ₹590 (Waived on ₹2L)	LTF or ₹1,180 (Waived on ₹1L)	₹3,776	₹1,180
Annual Fee Benefits / Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)	None /...

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...

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

hellowo₹ld · Jan 15, 2025

Cardzmania said:
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.

Cardzmania · Apr 6, 2025

After almost 3 months I would like to share my updated CC strategy, I have tried to optimised the CC and below listed are best suited for me as of now. I will definitely revisit it time to time based on CC available in market and my eligibility to get those.
I don't have any premium CC (i.e. ICICI EPM, HDFC Infinia/DCB, M4B etc....) as on date. So, my CC strategy if soley based on the available CC with me... Axis Atlas (Primary Card), Amex Platinum Travel & MRCC, Axis Airtel, HDFC Tata Neu Infinity, HDFC Swiggy, IDFC Power+

I have removed the expense column as it is based on ones spend pattern, may be not relevent for all.

I am open for suggestions and advise any other CC which you feel best suits here, fell free to discuss and add your thoughts.

Category Spend	Best suited Credit Card
Electricity, Mobile Recharge, Gas, Wi-Fi	1. Axis Airtel (Airtel recharge 25% CB, Utilities 10% CB) 2. Tata neu Infinity (5% CB)
Insurance	Amex Platinum upto 4lacs Milestone
Petrol	IDFC Power+ (6.5 % CB)
UPI Payment & Offline	HDFC Tata Neu Infinity (1.5% CB)
Other Offline Payment	Axis Atlas ( 4% Edge Miles)
Rent	No Luck here 🙁
OTTs	Bundle with Jio Package
NPS Payment	Amex Platinum upto 4lacs Milestone
Offline Grocery (Reliance, Dmart & Local)	Pluxee card, Axis Atlas ( 4% Edge Miles)
Online Grocery (BB, Zapto)	HDFC Tata Neu Infinity (10% CB on BB)
Online Swiggy, Zomato & Restaurants	Airtel Axis (10% CB on swiggy & Zomato)
Restaurants	HDFC Swiggy (10% CB), Swiggy One Subscription
Flights	Axis Atlas ( 10% Edge Miles)
Hotels	Axis Atlas ( 10% Edge Miles)
Amazon/Myntra Spend	Axis Atlas ( 4% Edge Miles)
Gold, Jewelley Purchase	Amex Platinum upto 4lacs Milestone
School Fee	Axis Atlas ( 10% Edge Miles)
Ola, Uber & Rapido Cab Booking	Amex MRCC (1500X4 Amazon Pay Vocher)
Medical Expenses	Axis Atlas ( 4% Edge Miles)
Movie Tickets	ICICI Sapphiro for BOGO @ BMS

Note - I do have other card but that I use only for specific card related offer

Ra.One · Apr 6, 2025

Cardzmania said:
After almost 3 months I would like to share my updated CC strategy, I have tried to optimised the CC and below listed are best suited for me as of now. I will definitely revisit it time to time based on CC available in market and my eligibility to get those.
I don't have any premium CC (i.e. ICICI EPM, HDFC Infinia/DCB, M4B etc....) as on date. So, my CC strategy if soley based on the available CC with me... Axis Atlas (Primary Card), Amex Platinum Travel & MRCC, Axis Airtel, HDFC Tata Neu Infinity, HDFC Swiggy, IDFC Power+

I have removed the expense column as it is based on ones spend pattern, may be not relevent for all.

I am open for suggestions and advise any other CC which you feel best suits here, fell free to discuss and add your thoughts.

Category Spend Best suited Credit Card
Electricity, Mobile Recharge, Gas, Wi-Fi 1. Axis Airtel (Airtel recharge 25% CB, Utilities 10% CB)
2. Tata neu Infinity (5% CB)
Insurance Amex Platinum upto 4lacs Milestone
Petrol IDFC Power+ (6.5 % CB)
UPI Payment & Offline HDFC Tata Neu Infinity (1.5% CB)
Other Offline Payment Axis Atlas ( 4% Edge Miles)
Rent No Luck here 🙁
OTTs Bundle with Jio Package
NPS Payment Amex Platinum upto 4lacs Milestone
Offline Grocery (Reliance, Dmart & Local) Pluxee card, Axis Atlas ( 4% Edge Miles)
Online Grocery (BB, Zapto) HDFC Tata Neu Infinity (10% CB on BB)
Online Swiggy, Zomato & Restaurants Airtel Axis (10% CB on swiggy & Zomato)
Restaurants HDFC Swiggy (10% CB), Swiggy One Subscription
Flights Axis Atlas ( 10% Edge Miles)
Hotels Axis Atlas ( 10% Edge Miles)
Amazon/Myntra Spend Axis Atlas ( 4% Edge Miles)
Gold, Jewelley Purchase Amex Platinum upto 4lacs Milestone
School Fee Axis Atlas ( 10% Edge Miles)
Ola, Uber & Rapido Cab Booking Amex MRCC (1500X4 Amazon Pay Vocher)
Medical Expenses Axis Atlas ( 4% Edge Miles)
Movie Tickets ICICI Sapphiro for BOGO @ BMS

Note - I do have other card but that I use only for specific card related offer

I have a similar portfolio of cards.

Buy APay vouchers from Reward multiplier using Gold charge, and from Maximize using MRCC to complete milestones .

Edit-Screw this tip. Dont think you have Gold charge.

cardio_guy · Apr 6, 2025

@Cardzmania Looks good. Looks like you have focussed your spends on 2-3 cards.

I think consolidating the number of cards is good.
- Less number of cards and bills to manage.
- All points gets accumulated in 2-3 cards, easier to manage.
- Easier to reach milestones.
- Possibly easier to get upgrade offers.

Cardzmania · Apr 6, 2025

cardio_guy said:
@Cardzmania Looks good. Looks like you have focussed your spends on 2-3 cards.

I think consolidating the number of cards is good.
- Less number of cards and bills to manage.
- All points gets accumulated in 2-3 cards, easier to manage.
- Easier to reach milestones.
- Possibly easier to get upgrade offers.

Yeah, during my journey to CCs I have learnt that using 2-3 card is enough, by this I can easily hit milestone of Amex Plat (4 lacs) and Atlas (gold Tier, can't reach to Platinum tier due to income constraint 🙂... )

Cardzmania · Apr 6, 2025

Ra.One said:
I have a similar portfolio of cards.

Buy APay vouchers from Reward multiplier using Gold charge, and from Maximize using MRCC to complete milestones .

Edit-Screw this tip. Dont think you have Gold charge.

Great. Simple and concentrated, easy to handle.

Currently I am buying APay vouchers form MRCC which give me 2X reward and Plat travel 3X reward. I will think about Amex Gold, once Amex will resume the application process.

However, I didn't get your suggestion about using Maximize for MRCC, what are the benefits I will get apart from milestone, please explain in detail.

Fini7777 · Apr 6, 2025

Cardzmania said:
After almost 3 months I would like to share my updated CC strategy, I have tried to optimised the CC and below listed are best suited for me as of now. I will definitely revisit it time to time based on CC available in market and my eligibility to get those.
I don't have any premium CC (i.e. ICICI EPM, HDFC Infinia/DCB, M4B etc....) as on date. So, my CC strategy if soley based on the available CC with me... Axis Atlas (Primary Card), Amex Platinum Travel & MRCC, Axis Airtel, HDFC Tata Neu Infinity, HDFC Swiggy, IDFC Power+

I have removed the expense column as it is based on ones spend pattern, may be not relevent for all.

I am open for suggestions and advise any other CC which you feel best suits here, fell free to discuss and add your thoughts.

Category Spend Best suited Credit Card
Electricity, Mobile Recharge, Gas, Wi-Fi 1. Axis Airtel (Airtel recharge 25% CB, Utilities 10% CB)
2. Tata neu Infinity (5% CB)
Insurance Amex Platinum upto 4lacs Milestone
Petrol IDFC Power+ (6.5 % CB)
UPI Payment & Offline HDFC Tata Neu Infinity (1.5% CB)
Other Offline Payment Axis Atlas ( 4% Edge Miles)
Rent No Luck here 🙁
OTTs Bundle with Jio Package
NPS Payment Amex Platinum upto 4lacs Milestone
Offline Grocery (Reliance, Dmart & Local) Pluxee card, Axis Atlas ( 4% Edge Miles)
Online Grocery (BB, Zapto) HDFC Tata Neu Infinity (10% CB on BB)
Online Swiggy, Zomato & Restaurants Airtel Axis (10% CB on swiggy & Zomato)
Restaurants HDFC Swiggy (10% CB), Swiggy One Subscription
Flights Axis Atlas ( 10% Edge Miles)
Hotels Axis Atlas ( 10% Edge Miles)
Amazon/Myntra Spend Axis Atlas ( 4% Edge Miles)
Gold, Jewelley Purchase Amex Platinum upto 4lacs Milestone
School Fee Axis Atlas ( 10% Edge Miles)
Ola, Uber & Rapido Cab Booking Amex MRCC (1500X4 Amazon Pay Vocher)
Medical Expenses Axis Atlas ( 4% Edge Miles)
Movie Tickets ICICI Sapphiro for BOGO @ BMS

Note - I do have other card but that I use only for specific card related offer

check out this thread

Thread 'The Ultimate Credit Card Guide – One-Stop Solution for All Your Queries with RR Analysis!'

Feb 13, 2025

Comprehensive Credit Card Guide
First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

<-------------------------------------------The data...

GTSaketh · Apr 6, 2025

Cardzmania said:
UPI Payment & Offline HDFC Tata Neu Infinity (1.5% CB)

Why not kiwi?

Cardzmania · Apr 6, 2025

GTSaketh said:
Why not kiwi?

Yes bank has rejected my application. 🙂 🙂

GTSaketh · Apr 6, 2025

Cardzmania said:
Yes bank has rejected my application. 🙂 🙂

Do you have prior relation with them?

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