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PrabhuP

TF Premier
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Below list of few cards i am holding

1. Axis Flipkart LTF
2. HDFC Millennia LTF
3. SBI Cashback Paid

I am planning to get Cards following possibilities,

1. International Lounge access with nominal Card Annual Fee (Prefer LTD 🙂 )
2. Rupay Credit card with better rewards
3. Indian Oil Credit cards

Cards in Mind,

HDFC Regalia
HDFC Indian Oil
Axis Indian Oil Rupay

As i am already Holding 3 Axis cards, Is it better to close the Axis FK(LTF) and go for Axis IOCL Rupay card or get the second card in HDFC IOCL (but if i opt for HDFC IOCL then i dont think i can apply for Regalia?)?

Hope closing Axis Flipkart wont hurt as i am holding SBI CB, HDFC Millennia.
 
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You should probably ask HDFC to upgrade your Millenia to Regalia.
What are the two other Axis cards you hold currently (apart from Flipkart)?
 
Do not close Flipkart LTF card or any LTF. It may be useful in a future flipkart purchase where cashback has no limit. Such purchase may be electronics, appliances or furniture.

If you are not doing flight/hotel booking, HDFC Regalia has lower returns than Millenia.

Don't go for fuel card. You can get 4-5% discount/cashback for fuel transaction. Instead, go for RBL Play by Bookmyshow CC which gives INR 500 couple tickets on total INR 5000 transactions (online/offline) on monthly basis. Final returns 8-9%. You can apply for the same from Bookmyshow app.

If possible, apply for AMEX Membership Rewards CC by any referral program. You can get the card with zero joining fee and half annual fee (INR 2250, waived on INR 150000 spend on yearly basis). You will get higher returns in this card.
 
cpkalariya said:
Do not close Flipkart LTF card or any LTF. It may be useful in a future flipkart purchase where cashback has no limit. Such purchase may be electronics, appliances or furniture.

If you are not doing flight/hotel booking, HDFC Regalia has lower returns than Millenia.

Don't go for fuel card. You can get 4-5% discount/cashback for fuel transaction. Instead, go for RBL Play by Bookmyshow CC which gives INR 500 couple tickets on total INR 5000 transactions (online/offline) on monthly basis. Final returns 8-9%. You can apply for the same from Bookmyshow app.

If possible, apply for AMEX Membership Rewards CC by any referral program. You can get the card with zero joining fee and half annual fee (INR 2250, waived on INR 150000 spend on yearly basis). You will get higher returns in this card.
Click to expand...
If i get HDFC Regalia as LTF then i can avail Domestic and International Louge access with any spend in previous month .

for Movie i have already few cards which can give me 1+1 movie ticket (total 4 tickets per month).

I'm not much in travel/Hotel booking so i am not sure Amex card can help me on this.

Maybe i can close the Axis Privilege card and opt for IOCL.

I am planning to HDFC Millennia card as its LTF and has good return for my expenses.
 
beingmohit said:
In that case, you should ask Axis to upgrade your Flipkart card to the IOCL.
Do not Regalia is available in RuPay variant. So, that should serve dual purpose
Click to expand...
Can i hold 2 core cards from HDFC(Millennia and Regalia) or i should upgrade Millennia to Regalia ?

I might ask Axis to Upgrade Priviledge to IOCL or i will close Provilledge and apply Axis IOCL Rupay ?
 
PrabhuP said:
If i get HDFC Regalia as LTF then i can avail Domestic and International Louge access with any spend in previous month .

for Movie i have already few cards which can give me 1+1 movie ticket (total 4 tickets per month).

I'm not much in travel/Hotel booking so i am not sure Amex card can help me on this.

Maybe i can close the Axis Privilege card and opt for IOCL.

I am planning to HDFC Millennia card as its LTF and has good return for my expenses.
Click to expand...
What is the maximum limit of CC you held?
 
cpkalariya said:
Do not close Flipkart LTF card or any LTF. It may be useful in a future flipkart purchase where cashback has no limit. Such purchase may be electronics, appliances or furniture.

If you are not doing flight/hotel booking, HDFC Regalia has lower returns than Millenia.

Don't go for fuel card. You can get 4-5% discount/cashback for fuel transaction. Instead, go for RBL Play by Bookmyshow CC which gives INR 500 couple tickets on total INR 5000 transactions (online/offline) on monthly basis. Final returns 8-9%. You can apply for the same from Bookmyshow app.

If possible, apply for AMEX Membership Rewards CC by any referral program. You can get the card with zero joining fee and half annual fee (INR 2250, waived on INR 150000 spend on yearly basis). You will get higher returns in this card.
Click to expand...
Is Amex referral program live now?
 
If you don't have existing relationship with Federal bank, and you are ok with only domestic longue access, you can try Scapia card. Try HDFC RUPAY INFINITE / PLUS. HDFC allows one main and one co-branded card.
 
PrabhuP said:
Max 6 L in one of my card.
Click to expand...
Consider to apply Yes Bank First Exclusive or Indusind Pinnacle or Legend CC from bankbazaar or paisabazaar (If they are giving you LTF). I have both in LTF form. They have no use other than Priority Pass (without any spend criteria). Both have limit of 5 lakh.
 
cpkalariya said:
Consider to apply Yes Bank First Exclusive or Indusind Pinnacle or Legend CC from bankbazaar or paisabazaar (If they are giving you LTF). I have both in LTF form. They have no use other than Priority Pass (without any spend criteria). Both have limit of 5 lakh.
Click to expand...
Is that through C2C? If yes how to apply for Yes First ?
 
cpkalariya said:
Consider to apply Yes Bank First Exclusive or Indusind Pinnacle or Legend CC from bankbazaar or paisabazaar (If they are giving you LTF). I have both in LTF form. They have no use other than Priority Pass (without any spend criteria). Both have limit of 5 lakh.
Click to expand...
Legend card we have to spend 5k in previous month to avail lounge access.
 
cpkalariya said:
Consider to apply Yes Bank First Exclusive or Indusind Pinnacle or Legend CC from bankbazaar or paisabazaar (If they are giving you LTF). I have both in LTF form. They have no use other than Priority Pass (without any spend criteria). Both have limit of 5 lakh.
Click to expand...
Any risks or danger - getting cards via bankbazaar or paizabazaar?
 
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