Credit Card Collection to Maximize return on any possible expenses.

[Delsin]

Hi,
I am new to Credit Card world and looking for Movies and Events Credit cards probably LTF. I am trying to create a collection which will maximize returns on any expense possible.
Current Portfolio :
1. DCB (LTF) - Offline Spends
2. SBI Cashback (Paid) - Online Spends
3. Axis Indian Oil (LTF) - Fuel
4. Axis Flipkart (Paid) - Flipkart
5. Amazon (LTF) - Amazon
I use 4th and 5th as SBI has 4% + 1% calculation which is hard to track.

Cards category to add to portfolio :
1. Movies and Events
2. Dining Out (DCB is 6.6% on weekend dining. If anything better)
3. Roadside Assistance

Please do suggest what cards or categories can I add to my portfolio to maximize savings and benefits. Thanks for your time !!

 

[Shrinit Padwal]

For movies/events - maybe any visa infinite cards - if you can get AU Zenith/IDFC Wealth(offered ltf to many). Other cards which have offers generally - SBI Elite/Axis Magnus/IndusInd EasyDiner.

Dining out - Indusind easydiner/RBL zomato card(maybe)/SBI prime or other cards which have offers generally on zomato/swiggy dineout/easydiners(like ICICI/Axis/SBI/HDFC/sometimes Onecard as well)

RSA - Indusind and IDFC cards have good RSA - checkout this post -> https://www.technofino.in/the-best-credit-cards-for-complimentary-road-side-assistance/

other cards/categories to add - try getting one amex card and ICICI card as these cards provide offers most of the time.

 

[CARDBITRAGE]

Movie/Dining- IndusInd Eazydiner CC. You get great offers on eazydiner(upto 30-40%) and you get 2 free movies tickets/month(upto Rs.200) on bookmyshow.

 

[Hisoka]

Movie/Dining- IndusInd Eazydiner CC. You get great offers on eazydiner(upto 30-40%) and you get 2 free movies tickets/month(upto Rs.200) on bookmyshow.

Magnus gives BOGO on movies Upto 500 and 40% off on restaurants using EazyDiner for bills more than 2500

 

[Delsin]

Thanks @Shrinit Padwal, @BLK, @Hisoka. Applied for ICICI Sapphiro LTF after considering all the options.

AU Zenith - Useless except VISA Infinite.

IDFC Wealth - Tried applying online C2C basis. Was offered Millenia with 50K Limit. Checked with Branch and as written in many threads they can just offer what is shown online.

Magnus/Reserve - My spends don`t validate the same and I won`t be able to complete milestone benefits.

Next in queue - IndusInd Eazydiner CC (They have stopped offering it LTF it seems)
IDFC Select (RSA)
Something Amex

 

[Shrinit Padwal]

Thanks @Shrinit Padwal, @BLK, @Hisoka. Applied for ICICI Sapphiro LTF after considering all the options.

AU Zenith - Useless except VISA Infinite.

IDFC Wealth - Tried applying online C2C basis. Was offered Millenia with 50K Limit. Checked with Branch and as written in many threads they can just offer what is shown online.

Magnus/Reserve - My spends don`t validate the same and I won`t be able to complete milestone benefits.

Next in queue - IndusInd Eazydiner CC (They have stopped offering it LTF it seems)
IDFC Select (RSA)
Something Amex

Are you getting sapphiro LTF based on salary/ITR? Or how?
For IndusInd eazydiner, beforehand check the restaurants in your city which are on eazydiner. If your favourite restaurant or go to restaurant is on Zomato, and you don't think will dine more, don't take paid Eazydiner then. It was the same case for me, my go to restaurants are on Zomato - didn't opt for Eazydiner card as of now as not LTF

 

[Delsin]

I applied through branch on the basis of Salary. Even though my salary matches the criteria ( 2 Lakh + Per Month), I contribute to ESPP and that lowers my salary. I explained this to them and they initiated the Application which is not yet approved. Any idea on same ? And yeah I completely agree with you on eazydiner. Even for me its specific set of restaurants some of them are not even on Swiggy Zomato 😂.

 

[Shrinit Padwal]

I applied through branch on the basis of Salary. Even though my salary matches the criteria ( 2 Lakh + Per Month), I contribute to ESPP and that lowers my salary. I explained this to them and they initiated the Application which is not yet approved. Any idea on same ? And yeah I completely agree with you on eazydiner. Even for me its specific set of restaurants some of them are not even on Swiggy Zomato 😂.

For me I had got a Coral LTF and didn't bother to upgrade as not much worth the battle - we all know how much ICICI cards are rewarding. No idea on ESPP thing.

 

[fcmaTanveer]

For movies/events - maybe any visa infinite cards - if you can get AU Zenith/IDFC Wealth(offered ltf to many). Other cards which have offers generally - SBI Elite/Axis Magnus/IndusInd EasyDiner.

Dining out - Indusind easydiner/RBL zomato card(maybe)/SBI prime or other cards which have offers generally on zomato/swiggy dineout/easydiners(like ICICI/Axis/SBI/HDFC/sometimes Onecard as well)

RSA - Indusind and IDFC cards have good RSA - checkout this post -> https://www.technofino.in/the-best-credit-cards-for-complimentary-road-side-assistance/

other cards/categories to add - try getting one amex card and ICICI card as these cards provide offers most of the time.

RBL Zomato has been discontinued