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Credit Card Portfolio for cashback / travel

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kunalcc

TF Select
I have 7 credit cards. I have built credit card portfolio for cashback, oldest one is Yes Bank since 2021. I have good credit score and 5 cards are Lifetime free. My monthly spends approx 20k, mostly online. Next month I will travel by flight once a month, looking for travel benefits. Any best travel card under 3k annual fees? Any other card suggestions?

  1. SBI Cashback, LTF - for all online spends (1.8 lakh limit)
  2. AXIS Airtel - for utility bills, food delivery and grocery (58k limit)
  3. Indusind Legend LTF - BOGO movie offer and lounge (1.4 lakh)
  4. Swiggy HDFC - Food, dining and online spends (75k shared limit)
  5. HDFC Tata neu plus, LTF - for Rupay UPI spends and lounge
  6. ICICI Amazon, LTF - for instant discount offer on ICICI (1.2 lakh)
  7. YES BANK SELECT, LTF - Visa BOGO movie and concierge (1.02 lakh)
 
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Apply For LTF AU LIT Credit Card
Regalia gold would be a good choice with SmartBuy(6.66% return) but since you have 2 co branded cards with HDFC, not sure how hard it will be to get the card.

Check out AU Ixigo, offered LTF.
Comes with lounge access and discounts on Ixigo.

SC EMT card, ₹350 fee. Good discounts in EMT app.

Vistara cobranded cards future is uncertain, so gotta wait until announement comes out.

If you want to redeem against miles/points, Axis Atlas or Amex Platinum travel would be a great option given that you spend 7.5L and 4L on these cards respectively.
 
I can personally vouch for Amex Plat Travel, if you can manage to spend 4L in a year and do a good chunk of it on reward multiplier, you can get a lot of free marriot stays plus 10k taj voucher

I'm still holding onto my Axis Vistara Signature, but as @ManojGowda said future is uncertain
 
kunalcc said:
Lounge access I have 8, more would be fine, I do domestic spends only, discount on flight, hotel is good or free flight with reward point would be great
Click to expand...
Try and BOB Eterna for donestic lounge access, you'll also get fitpass pro if it's usable for you
 
ManojGowda said:
Regalia gold would be a good choice with SmartBuy(6.66% return) but since you have 2 co branded cards with HDFC, not sure how hard it will be to get the card.

Check out AU Ixigo, offered LTF.
Comes with lounge access and discounts on Ixigo.

SC EMT card, ₹350 fee. Good discounts in EMT app.

Vistara cobranded cards future is uncertain, so gotta wait until announement comes out.

If you want to redeem against miles/points, Axis Atlas or Amex Platinum travel would be a great option given that you spend 7.5L and 4L on these cards respectively.
Click to expand...
AU credit cards are not available in my PIN code. Amex credit cards not accepted by most shopkeepers / stores / malls in my city. Club Vistara will be merged with Air India flying returns, so Vistara credit card might be converted into Air India cards.

I am getting Axis Atlas pre approved, but Axis bank is evil bank who kills credit card with devaluation. SC EMT left
 
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Swastik said:
Try and BOB Eterna for domestic lounge access, you'll also get fitpass pro if it's usable for you
Click to expand...
Will you take any credit card which doesn't give reward point on supermarket and fast food restaurant? BOB did such donkey devaluation. Still I tried to apply online but BOB gave me stupid premier card. The sales guy called me and telling me to take premier card. I asked about devaluation but BOB sales guy has no idea about own bank devaluation. How funny?
 
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kunalcc said:
AU credit cards are not available in my PIN code. Amex credit cards not accepted by most shopkeepers / stores / malls in my city. Club Vistara will be merged with Air India flying returns, so Vistara credit card might be converted into Air India cards.

I am getting Axis Atlas pre approved, but Axis bank is evil bank who kills credit card with devaluation. SC EMT left
Click to expand...
Au cards u can get at any other address ( frnd , relatives) … Can go for atlas but next yr devaluation incoming 🥲… Why not try Sbi air india signature card ?
 
kunalcc said:
Will you take any credit card which doesn't give reward point on supermarket and fast food restaurant? BOB did such donkey devaluation. Still I tried to apply online but BOB gave me stupid premier card. The sales guy called me and telling me to take premier card. I asked about devaluation but BOB sales guy has no idea about own bank devaluation. How funny?
Click to expand...
I don't have anything from BOB,
But some managed to get Eterna LTF,
And a few even voutch by it
 
kunalcc said:
AU credit cards are not available in my PIN code. Amex credit cards not accepted by most shopkeepers / stores / malls in my city. Club Vistara will be merged with Air India flying returns, so Vistara credit card might be converted into Air India cards.

I am getting Axis Atlas pre approved, but Axis bank is evil bank who kills credit card with devaluation. SC EMT left
Click to expand...
Since you mentioned your expense are majorly online, Amex would be a great option.

Regalia Gold is also a great option, easier reward redemption against flights/hotels
 
  1. Any ballpark figure of annual spends on air travel ? This is needed as most of the miles cards are milestone based. Update this in your post.
  2. Also miles tracking etc is really mental trauma for extra 1% - 2% over your SBI CB is not worth.
  3. If someone DMs you with a referral for amex travel, or any other card, demand them the calculation of rewards based on above point 1.
 
Chacha_vidhayak said:
Au cards u can get at any other address ( frnd , relatives) … Can go for atlas but next yr devaluation incoming 🥲… Why not try Sbi air india signature card ?
Click to expand...
All banks will check the location during Video KYC, otherwise, I can take HSBC Live+ also along with AU LIT
SBI Air India Signature is not available to apply, Air India Platinum is available.
Axis will kill Atlas like Magnus
 
HumorSimpson said:
  1. Any ballpark figure of annual spends on air travel ? This is needed as most of the miles cards are milestone based. Update this in your post.
  2. Also miles tracking etc is really mental trauma for extra 1% - 2% over your SBI CB is not worth.
  3. If someone DMs you with a referral for amex travel, or any other card, demand them the calculation of rewards based on above point 1.
Click to expand...
I will spend 10k on air travel monthly. Mile tracking is a headache, otherwise, I would have taken Axis Atlas. However, Axis will soon devalue their credit cards adding to mental trauma like Magnus. AU LIT Card is also good for travel. On the customised plan, AU LIT will give 7.5 % return on travel, but it is not available in my pin code
 
Atlas is good for Travel. It can give you free Flights, Hotel say if you use it wisely!! YEs axis is like Bad.. But yet everyone like Atlas and using it for the benefits
 
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