Credit card Portfolio Optimization/Suggestions

[Ayushpaul7]

Hi Community,
I have just started to explore into the credit card space. Here is my current set of cards and uses:

1. ICICI Amazon Pay (4.6L Limit, LTF) - For all Amazon spends as I mostly do online shopping from Amazon.
2. Axis ACE (2.75L Limit, Paid) - For all monthly utility Bills (not from Airtel Ecosystem and total utilities fall under the cap of10k/month)
3. IndusInd Legend (5L Limit, LTF) - No specific spends except B1G1 Movie Ticket. Also got free Times Prime Annual Membership with the Visa Signature offer. ( So I guess worth it )
4. HDFC Diners Privilege (2L Limit, LTF) - Mostly for ordering and dining out using Swiggy and Zomato (5xRP).
5. Tata Neu Infinity (2L Limit - Shared with DCP, FYF) - Took this just this month as I use BigBasket weekly, and also helps in UPI Transactions.
P.S. - My organization has given us a SBI corporate card and for that need to wait 3 months to apply for a personal card , so currently having no SBI Cards.

Apart from this I will have the following yearly payments :
Government Investments -50k
Insurance - 25k
Travel 25-30k
Please provide your suggestions how to optimize my current spending and also let me know if there are better cards which will serve the purpose.


Thanks in Advance!

 

[raghu.rokda]

Apay can be used for Insurance payment
2% on Amazon
1% on insurance website

 

[Deleted member 21549]

Hi Community,
I have just started to explore into the credit card space. Here is my current set of cards and uses:

1. ICICI Amazon Pay (4.6L Limit, LTF) - For all Amazon spends as I mostly do online shopping from Amazon.
2. Axis ACE (2.75L Limit, Paid) - For all monthly utility Bills (not from Airtel Ecosystem and total utilities fall under the cap of10k/month)
3. IndusInd Legend (5L Limit, LTF) - No specific spends except B1G1 Movie Ticket. Also got free Times Prime Annual Membership with the Visa Signature offer. ( So I guess worth it )
4. HDFC Diners Privilege (2L Limit, LTF) - Mostly for ordering and dining out using Swiggy and Zomato (5xRP).
5. Tata Neu Infinity (2L Limit - Shared with DCP, FYF) - Took this just this month as I use BigBasket weekly, and also helps in UPI Transactions.
P.S. - My organization has given us a SBI corporate card and for that need to wait 3 months to apply for a personal card , so currently having no SBI Cards.

Apart from this I will have the following yearly payments :
Government Investments -50k
Insurance - 25k
Travel 25-30k
Please provide your suggestions how to optimize my current spending and also let me know if there are better cards which will serve the purpose.


Thanks in Advance!

Times Prime Annual Membership with Visa Signature offer can be claimed using ACE card as well

 

[Ayushpaul7]

Apay can be used for Insurance payment
2% on Amazon
1% on insurance website

Okay Will keep in mind. Any other cards specifically for these larger payments?

 

[Ayushpaul7]

Times Prime Annual Membership with Visa Signature offer can be claimed using ACE card as well

Yes just checked. Thanks