Credit card for general use

[doineedto]

Hey fellow members!

I request your insight on getting a credit card for myself. The usage is mostly for utilities, Swiggy/Zomato, travel and offline spends. The spends range from 30-50k per month across all the cards. The current portfolio is Amazon Pay ICICI, Tata Neu Infinity (LTF), HDFC Regalia (LTF), and SBI SimplySave. I normally travel 1-3 times a year with it being primarily domestic.
Thanks in advance.

 

[thanix]

Hey fellow members!

I request your insight on getting a credit card for myself. The usage is mostly for utilities, Swiggy/Zomato, travel and offline spends. The spends range from 30-50k per month across all the cards. The current portfolio is Amazon Pay ICICI, Tata Neu Infinity (LTF), HDFC Regalia (LTF), and SBI SimplySave. I normally travel 1-3 times a year with it being primarily domestic.
Thanks in advance.

You already have these cards. What is your redemption plan - Air miles or hotel or vouchers or cashback. Last one is already covered. Suggestion can be based on that.

 

[Deleted member 21942]

Hey fellow members!

I request your insight on getting a credit card for myself. The usage is mostly for utilities, Swiggy/Zomato, travel and offline spends. The spends range from 30-50k per month across all the cards. The current portfolio is Amazon Pay ICICI, Tata Neu Infinity (LTF), HDFC Regalia (LTF), and SBI SimplySave. I normally travel 1-3 times a year with it being primarily domestic.
Thanks in advance.

Get Airtel Axis cc for Swiggy/Zomato/Utlities and Axis Ace for offline spends and also utilities.

 

[SSV]

Hey fellow members!

I request your insight on getting a credit card for myself. The usage is mostly for utilities, Swiggy/Zomato, travel and offline spends. The spends range from 30-50k per month across all the cards. The current portfolio is Amazon Pay ICICI, Tata Neu Infinity (LTF), HDFC Regalia (LTF), and SBI SimplySave. I normally travel 1-3 times a year with it being primarily domestic.
Thanks in advance.

Get Airtel Axis cc for Swiggy/Zomato/Utlities and Axis Ace for offline spends and also utilities.

+ SB Cashback CC

 

[cardio_guy]

Having so many cards which serve the same purpose is of no use. For eg cashback card you have the best 2 - apay and neu infinity. Don't complicate with more cards and more bills to track. Just continue using these, ask for LE every 6 months and keep going.
If you have more cards, you won't reach spend limit on some of them, which will reduce your benefit.

Coming to your card, I think simply save is not much of use, you can cancel it. Meanwhile take an axis atlas or some other travel card to get travel benefits.

 

[doineedto]

You already have these cards. What is your redemption plan - Air miles or hotel or vouchers or cashback. Last one is already covered. Suggestion can be based on that.

Plan is to use Air miles/hotel/vouchers

Having so many cards which serve the same purpose is of no use. For eg cashback card you have the best 2 - apay and neu infinity. Don't complicate with more cards and more bills to track. Just continue using these, ask for LE every 6 months and keep going.
If you have more cards, you won't reach spend limit on some of them, which will reduce your benefit.

Coming to your card, I think simply save is not much of use, you can cancel it. Meanwhile take an axis atlas or some other travel card to get travel benefits.

Asked to cancel the SBI card, but they are making it LTF instead.

The Regalia was my primary card, but it is of no use now after the devaluation. Hence looking for a change.

 

[shrewdoc]

Plan is to use Air miles/hotel/vouchers

Then you can go ahead with:
Amex Platinum Travel
SBI Vistara Cards
Axis Atlas

You can also request upgrade to HDFC DCB Metal.

 

[thanix]

Plan is to use Air miles/hotel/vouchers

Asked to cancel the SBI card, but they are making it LTF instead.

The Regalia was my primary card, but it is of no use now after the devaluation. Hence looking for a change.

Since your spend is 50K, you need to maximise it in one card to reap the benefits.

Get Axis Atlas. Or you can upgrade to Regalia Gold or DCB. But Diners or Amex as primary card may result in heartburn due to acceptance.

 

[doineedto]

Thanks for the suggestions. Let me look into these cards.
Not looking into Amex or Diners as primary cards for sure!

 

[doineedto]

Any other cards you might recommend? I read here that there might be a devaluation coming for Axis Atlas?

 

[moneynerd]

+ SB Cashback CC

Its a great card but i guess no cashbacks on utilites and bill payments. Unheard of option - Federal amplifi card. there are cashbacks for all utility payments and no capping. 3% on swiggy, cleartrip and many other offline stores. ypu get it on the fi money app

 

[SSV]

Its a great card but i guess no cashbacks on utilites and bill payments. Unheard of option - Federal amplifi card. there are cashbacks for all utility payments and no capping. 3% on swiggy, cleartrip and many other offline stores. ypu get it on the fi money app

Thanks for the info ..

 

[Sri97]

Since your spend is 50K, you need to maximise it in one card to reap the benefits.

Since your spend is 50K, you need to maximise it in one card to reap the benefits.

Get Axis Atlas. Or you can upgrade to Regalia Gold or DCB. But Diners or Amex as primary card may result in heartburn due to acceptance.

I am new to credit cards and my monthly spending will be around 30k. Have Amazon icici and looking for my second card. Should I go with Amex MRCC or any other suggestions?

Since your spend is 50K, you need to maximise it in one card to reap the benefits.

Get Axis Atlas. Or you can upgrade to Regalia Gold or DCB. But Diners or Amex as primary card may result in heartburn due to acceptance.

Since your spend is 50K, you need to maximise it in one card to reap the benefits.

Get Axis Atlas. Or you can upgrade to Regalia Gold or DCB. But Diners or Amex as primary card may result in heartburn due to acceptance.

I am new to the credit card space.. My monthly spending will be 30k and I have Amazon ICICI card..looking for a second card.. is amex mrcc a good option or is there something u suggest