Canceling or Replacing or keep the card

[cardnoob24]

Banking Relationships

1. HDFC Bank - Savings Account
2. ICICI Bank - Savings Account

Credit Cards

HDFC Bank

1. HDFC Millenia Diners (LTF) - Core card, no major benefits
2. HDFC Tata Neu Infinity RuPay (LTF) - 5-10% cashback on Tata products, Croma, Air India
3. HDFC Swiggy (LTF) - 10% cashback on Instamart groceries

ICICI Bank

1. ICICI MMT Signature (LTF) - Lounge access, no major benefits
2. ICICI Coral RuPay (LTF) - UPI payment , core card

AXIS Bank

1. Axis Airtel (₹500 + GST) - 25% cashback on Airtel carrier services

American Express

1. Amex Gold Charge (₹5000 + GST) - 30,000-40,000 points per annum (1000x6 + referrals)

State Bank of India (SBI)

1. SBI Octane (₹1500 + GST) - 6% fuel and gas cashback

RBL Bank

1. RBL Shop Rite (₹500 + GST) - Overall limit boost, no major benefits

IndusInd Bank

1. IndusInd Pinnacle (LTF) - PP lounge access, overall limit boost

 

[NABNAB is verified member.]

You can think of replacing Amex Gold with MRCC for 30-40K points. MRCC has a fee waiver. For Gold, you will have to ask for the same every year.

Try closing RBL Shoprite, retention team may offer a good card in exchange.

 

[helloworld]

Thread 'Guide to Choosing the Right Credit Card - Basic Requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000...

• helloworld
• Replies: 15
• Forum: Suggest me a Credit Card

• 
• 
• 

: )

 

[cardnoob24]

Banking Relationships

1. HDFC Bank - Savings Account
2. ICICI Bank - Savings Account

Credit Cards

HDFC Bank

1. HDFC Millenia Diners (LTF) - Core card, no major benefits
2. HDFC Tata Neu Infinity RuPay (LTF) - 5-10% cashback on Tata products, Croma, Air India
3. HDFC Swiggy (LTF) - 10% cashback on Instamart groceries

ICICI Bank

1. ICICI MMT Signature (LTF) - Lounge access, no major benefits
2. ICICI Coral RuPay (LTF) - UPI payment , core card

AXIS Bank

1. Axis Airtel (₹500 + GST) - 25% cashback on Airtel carrier services

American Express

1. Amex Gold Charge (₹5000 + GST) - 30,000-40,000 points per annum (1000x6 + referrals)

State Bank of India (SBI)

1. SBI Octane (₹1500 + GST) - 6% fuel and gas cashback

RBL Bank

1. RBL Shop Rite (₹500 + GST) - Overall limit boost, no major benefits

IndusInd Bank

1. IndusInd Pinnacle (LTF) - PP lounge access, overall limit boost

update...


As of today, I have put in a closer request for HDFC Millenia and ICICI Coral as I felt they serve no purpose, and I have managed to get my SBI Octain and RBL to get LTF. I had email confirmation on the weekend also. Now, only paid cards are Gold charge and Axis Airtel.