Card recommendation for spending on everyday spends and earning rewards in Travel.

[utkarsh_reloaded]

Need a Card recommendation based on spends, I spend mostly on shopping, that too mostly on Amazon, a little bit on flipkart and myntra. Don't travel a lot, maybe 2 domestic round trips in a year. Ideally would like rewards to be in form of Domestic flights for when I do travel for me and family of 4. Spends around 50-70K /month. Attaching spend breakdown. Please help me out.​

 

[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

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• 
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: )

 

[Slayer]

Yes Marquee ez

 

[helloworld]

Thread 'AXIS Atlas vs HDFC Regalia Gold vs AXIS Horizon vs HSBC TravelOne'

May 11, 2024

This is a wiki post, so anyone with appropriate permissions can edit and make necessary changes.

General Note:​

Redemption calculations are assumptions for illustrative purposes and may vary. Please confirm specific terms directly with card issuers.

---

Terminology:​

• EM: Edge Miles (Axis Rewards)
• RP: Reward Points (HDFC Rewards)
• FYF: First Year Free
• JF: Joining Fee
• LTF: Lifetime Free
• AF: Annual Fee
• BV: Brand Vouchers (e.g., Regalia Gold Milestone Benefit)
• SFV: SmartBuy Flight Voucher...

• helloworld
• Replies: 56
• Forum: Credit Card Comparison

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my preference: atlas /regalia gold

 

[hender]

Need a Card recommendation based on spends, I spend mostly on shopping, that too mostly on Amazon, a little bit on flipkart and myntra. Don't travel a lot, maybe 2 domestic round trips in a year. Ideally would like rewards to be in form of Domestic flights for when I do travel for me and family of 4. Spends around 50-70K /month. Attaching spend breakdown. Please help me out.​

APay ICICI, (Have a look), if suits you !

 

[Slayer]

APay ICICI, (Have a look), if suits you !

But he wanted flite redemptions

 

[helloworld]

But he wanted flite redemptions

Yes Marquee ez

compared to this atlas better imo, much more stable and can give higher return (even direct bookings). apprx. 6L means easily can achieve milestone.

 

[hender]

But he wanted flite redemptions

The value he can get , using APay - he have to calculate.
As per matrix shown by him, a fair idea 💡 I have shared.

 

[aniketkr.sharma]

Need a Card recommendation based on spends, I spend mostly on shopping, that too mostly on Amazon, a little bit on flipkart and myntra. Don't travel a lot, maybe 2 domestic round trips in a year. Ideally would like rewards to be in form of Domestic flights for when I do travel for me and family of 4. Spends around 50-70K /month. Attaching spend breakdown. Please help me out.​

DCBM/INFINIA
Emeralde Private Metal
Sbi Elite/Cashback


Axis Atlas ~ Not recommended but can take.

 

[helloworld]

DCBM/INFINIA
Emeralde Private Metal
Sbi Elite/Cashback
Bob eterna

@utkarsh_reloaded : Ignore bob eterna. Rest good, if u can get them.

 

[aniketkr.sharma]

@utkarsh_reloaded : Ignore bob eterna. Rest good, if u can get them.

Bob eterna, i mentioned for RUPAY Spends

 

[VasukiVasuki is verified member.]

Need a Card recommendation based on spends, I spend mostly on shopping, that too mostly on Amazon, a little bit on flipkart and myntra. Don't travel a lot, maybe 2 domestic round trips in a year. Ideally would like rewards to be in form of Domestic flights for when I do travel for me and family of 4. Spends around 50-70K /month. Attaching spend breakdown. Please help me out.​

Take atlas hands down

4% on amazon
4% on offline spends
10% ON FLIGHT & HOTEL VIA AXIS TRAVELEDGE

 

[helloworld]

Bob eterna, i mentioned for RUPAY Spends

absolutely 0%. I'm not getting any reward point for tea, grocery, vegetables, road-side stalls etc. all mccs excluded. not at all recommended.

this card is dead.

 

[aniketkr.sharma]

absolutely 0%. I'm not getting any reward point for tea, grocery, vegetables, road-side stalls etc. all mccs excluded. not at all recommended.

this card is dead.

View attachment 92436

Then removing it.

 

[BVCBVC is verified member.]

Take atlas hands down

4% on amazon
4% on offline spends
10% ON FLIGHT & HOTEL VIA AXIS TRAVELEDGE

The only accessible and decent return from Axis CC portfolio for now.

 

[utkarsh_reloaded]

DCBM/INFINIA
Emeralde Private Metal
Sbi Elite/Cashback


Axis Atlas ~ Not recommended but can take.

Thank you so much, Any reason for not recommending atlas?

 

[utkarsh_reloaded]

So Far feels like I should go for Atlas, but there are exclusions (Fuel,Insurance, Utilities, Gold/Jewelry, Rent, Wallets, Government Institutions)
Maybe I'll keep my current MRCC as a backup for exclusions to use as milestone and will see If I need to upgrade backup to gold/plat trav later.

The only thing pending I see is UPI transactions, which I have minimum, just local stores and what not, I'm thinking of using SBI Simply Save Rupay for it as I need it only for offline shops where cards are not taken and many a times spends don't exceed rs 50/100 so i'm hesitant going KIWI/TATA NEU INFINITY route, also don't wanna pay annual fee for chillar spend card (I know simply save has annual fee but I'm working towards getting it LTF as a holder of simply click since 2016 which I converted to simply save), please suggest me a better alternative for this if available.

I think these 3 categories should take care of all my optimizable expenses, please let me know If i'm missing anything.

 

[aniketkr.sharma]

Thank you so much, Any reason for not recommending atlas?

Exclusion of MCC Codes & the most important is behaviour of bank.

They will do anything, alot of users reported banned from there rewards account and axis is also forward in issuing notice instead of correcting there own faults

 

[utkarsh_reloaded]

Take atlas hands down

4% on amazon
4% on offline spends
10% ON FLIGHT & HOTEL VIA AXIS TRAVELEDGE

So Far feels like I should go for Atlas, but there are exclusions (Fuel,Insurance, Utilities, Gold/Jewelry, Rent, Wallets, Government Institutions)
Maybe I'll keep my current MRCC as a backup for exclusions to use as milestone and will see If I need to upgrade backup to gold/plat trav later.

The only thing pending I see is UPI transactions, which I have minimum, just local stores and what not, I'm thinking of using SBI Simply Save Rupay for it as I need it only for offline shops where cards are not taken and many a times spends don't exceed rs 50/100 so i'm hesitant going KIWI/TATA NEU INFINITY route, also don't wanna pay annual fee for chillar spend card (I know simply save has annual fee but I'm working towards getting it LTF as a holder of simply click since 2016 which I converted to simply save), please suggest me a better alternative for this if available.

I think these 3 categories should take care of all my optimizable expenses, please let me know If i'm missing anything.

 

[nh124001]

if your goal is domestic flights redemption then atlas is not recommended.

if you can spend 8Lakh per year, better to go for Hdfc DcbM.
for 5lakh per year : regalia gold and for 3lakh per year : HDFC DCP