Credit card strategy

[ccNoob24]

What should be our credit card strategy?
Should we apply for any new card? Which should be our primary card?
Should we get rid of any card?

Cards I have:
Icici sapphiro(amex+MC) LTF 11L limit
AmazonPay LTF 7L limit
Idfc select LTF 2.5L limit

Card My wife has:
HDFC Regali LTF 3L limit

My net salary: 24LPA (icici salary acc)
Wife net salary: 15LPA (citi salary acc)
Annual spends on CC : 8-10L
Cibil score pretty good

We currently use domestic and international lounge access a couple of times each year. And free movie ticket on BMS/paytm almost every month.

We are only recently finding out about the host of other benefits CC comes with. Never looked at CC points, cashback etc. Have just gone for cards the salesperson suggests.

Sorry for the noob question.
TIA 🙏

 

[Sahil_07]

What should be our credit card strategy?
Should we apply for any new card? Which should be our primary card?

Cards I have:
Icici sapphiro(amex+MC) LTF 11L limit
AmazonPay LTF 7L limit
Idfc select LTF 2.5L limit

Card My wife has:
HDFC Regali LTF 3L limit

My net salary: 24LPA (icici salary acc)
Wife net salary: 15LPA (citi salary acc)
Annual spends on CC : 8-10L
Cibil score pretty good

We currently use domestic and international lounge access a couple of times each year. And free movie ticket on BMS/paytm almost every month.

We are only recently finding out about the host of other benefits CC comes with. Never looked at CC points, cashback etc. Have just gone for cards the salesperson suggests.

Sorry for the noob question.
TIA 🙏

Why are you using so low rewarding cards after this much salary and credit limit?
Apply Hdfc DCB and try to upgrade in Infenia Later

 

[varun__goel_]

What should be our credit card strategy?
Should we apply for any new card? Which should be our primary card?

Cards I have:
Icici sapphiro(amex+MC) LTF 11L limit
AmazonPay LTF 7L limit
Idfc select LTF 2.5L limit

Card My wife has:
HDFC Regali LTF 3L limit

My net salary: 24LPA (icici salary acc)
Wife net salary: 15LPA (citi salary acc)
Annual spends on CC : 8-10L
Cibil score pretty good

We currently use domestic and international lounge access a couple of times each year. And free movie ticket on BMS/paytm almost every month.

We are only recently finding out about the host of other benefits CC comes with. Never looked at CC points, cashback etc. Have just gone for cards the salesperson suggests.

Sorry for the noob question.
TIA 🙏

Apply for HDFC(DCB or Infinia) and Amex(MRCC, Travel, Gold Charge) cards.

 

[lightwaves]

What should be our credit card strategy?
Should we apply for any new card? Which should be our primary card?

Cards I have:
Icici sapphiro(amex+MC) LTF 11L limit
AmazonPay LTF 7L limit
Idfc select LTF 2.5L limit

Card My wife has:
HDFC Regali LTF 3L limit

My net salary: 24LPA (icici salary acc)
Wife net salary: 15LPA (citi salary acc)
Annual spends on CC : 8-10L
Cibil score pretty good

We currently use domestic and international lounge access a couple of times each year. And free movie ticket on BMS/paytm almost every month.

We are only recently finding out about the host of other benefits CC comes with. Never looked at CC points, cashback etc. Have just gone for cards the salesperson suggests.

Sorry for the noob question.
TIA 🙏

Depends a lot on your spends as well. If you could share what are your typical spends, members can suggest better cards. The rewards also greatly depend on spending as many cards have been devalued recently.

 

[VasukiVasuki is verified member.]

What should be our credit card strategy?
Should we apply for any new card? Which should be our primary card?

Cards I have:
Icici sapphiro(amex+MC) LTF 11L limit
AmazonPay LTF 7L limit
Idfc select LTF 2.5L limit

Card My wife has:
HDFC Regali LTF 3L limit

My net salary: 24LPA (icici salary acc)
Wife net salary: 15LPA (citi salary acc)
Annual spends on CC : 8-10L
Cibil score pretty good

We currently use domestic and international lounge access a couple of times each year. And free movie ticket on BMS/paytm almost every month.

We are only recently finding out about the host of other benefits CC comes with. Never looked at CC points, cashback etc. Have just gone for cards the salesperson suggests.

Sorry for the noob question.
TIA 🙏

Get idfc wealth account for 3+3 lounge
Including u will add her in family banking
12 lounge per quarter

5 or 10 lakh initial funding then u can maintain 25 k



If you fly a lot get atlas ( 10% value back) simple card but if u start looking at points and all it has better value but at booking u get 10% return

For hdfc u can get hdfc regalia if u get it ltf ( paid not recommended)

 

[ccNoob24]

Why are you using so low rewarding cards after this much salary and credit limit?
Apply Hdfc DCB and try to upgrade in Infenia Later

Thank you for your response.
I have low reward cards as I never looked into the rewards, also was carried away by ltf. New to this game.
Will apply for DCB.
Thanks

 

[gratian.m]

I have below cards:
ICICI: Amazon Pay, Platinum & Coral
HDFC: Millenia & Swiggy
Axis: Flipkart, Myzone, Indianoil & Select
RBL: Shoprite
Federal: Celesta
IndusInd: Legend
AUBank: Vetta
IDFC: Wealth
BOB: ICAI, Snapdeal, Easy & OneCard
HSBC: Platinum
Standard Chartered: Platinum
Kotak: White Card
SBI: SinplyClick

Other than Simply Click, all of my cards are Lifetime free 😊

My credit scores:
CIBIL: 781, Experian: 789, CRIF: 768 & Equifax: 794

 

[iamabhisekagar]

What should be our credit card strategy?
Should we apply for any new card? Which should be our primary card?
Should we get rid of any card?

Cards I have:
Icici sapphiro(amex+MC) LTF 11L limit
AmazonPay LTF 7L limit
Idfc select LTF 2.5L limit

Card My wife has:
HDFC Regali LTF 3L limit

My net salary: 24LPA (icici salary acc)
Wife net salary: 15LPA (citi salary acc)
Annual spends on CC : 8-10L
Cibil score pretty good

We currently use domestic and international lounge access a couple of times each year. And free movie ticket on BMS/paytm almost every month.

We are only recently finding out about the host of other benefits CC comes with. Never looked at CC points, cashback etc. Have just gone for cards the salesperson suggests.

Sorry for the noob question.
TIA 🙏

Get a BOB Eterna CC

 

[adldeeps]

For Limit Enhancement what are the best strategies.

Currently HDFC Regalia gold LTF with CL of 8.5 Yearly average 4-5L
From 19 Years I always paid monthly bill in full almost never paid interests or any charges no emi ever. So I feel I have never allowed HDFC to make profit from my credit card spending. Will they ever consider me for best credit card offers given that I dont pay fees and intersts etc.

 

[cardio_guycardio_guy is verified member.]

Sapphiro gives good lounge access and movie offers. You should be good there. (Talk to BM and try for Emeralde LTF or paid if you want to upgrade this)

Amazon Pay gives 5% on amazon. That should be also fine.

Try HDFC Swiggy if you order on Swiggy - you will get 10% cashback and also 5% on other online platforms. Sometimes I think this is better than Apay.

Then for Rupay on UPI, get any rupay card. You can use for daily QR scans.

Go for Amex Trifecta if you want to get into the world of Amex. In that case, you don't need any other cards.