Got Rubyx, Citi Rewards, ICICI Amazon and RBL Zomato - What should be my next move?

[ChurningNoob]

Recently got ICICI Rubyx for ₹4,000 per annum which was an upgrade from Platinum this card is used for almost all transactions except Amazon and Zomato/restaurants for which other respective cards are used for.

Without any proper research I went with Rubyx with only motivation being lounge access, now I do realise there are many other cards with better benefits.

I am new to this and want to maximize getting points, rewards to be redeemed for flights and hotels mainly. I am ready to pay upto 10k per year given I get it in return by any means

Spend across all these cards is around 1.5L, these are split between me and wife.

@TechnoFino your helps would be appreciated.

 

[TechnoFinoTechnoFino is verified member.]

Recently got ICICI Rubyx for ₹4,000 per annum which was an upgrade from Platinum this card is used for almost all transactions except Amazon and Zomato/restaurants for which other respective cards are used for.

Without any proper research I went with Rubyx with only motivation being lounge access, now I do realise there are many other cards with better benefits.

I am new to this and want to maximize getting points, rewards to be redeemed for flights and hotels mainly. I am ready to pay upto 10k per year given I get it in return by any means

Spend across all these cards is around 1.5L, these are split between me and wife.

@TechnoFino your helps would be appreciated.

1.5L per month?
in this case get Axis Magnus, check our YouTube video to know why I'm recommending this card, spend 1.2L per month using axis magnus
and get BOB Eterna and spend 33K per month.

 

[ChurningNoob]

1.5L per month?
in this case get Axis Magnus, check our YouTube video to know why I'm recommending this card, spend 1.2L per month using axis magnus
and get BOB Eterna and spend 33K per month.

Would recommend cancelling any from my card list? Also, would ICICI give back paid 4k on cancelling its been just a month.

 

[TechnoFinoTechnoFino is verified member.]

Would recommend cancelling any from my card list? Also, would ICICI give back paid 4k on cancelling its been just a month.

they will not refund your money.... Continue it for remaining months... ask icici to convert your chargeable Rubyx to LTF Rubyx, if they deny your request... just close the card.

 

[ChurningNoob]

1.5L per month?
in this case get Axis Magnus, check our YouTube video to know why I'm recommending this card, spend 1.2L per month using axis magnus
and get BOB Eterna and spend 33K per month.

My apologies I gave the wrong number - my spend is about 50-60K per month. Which card would you then recommend?

 

[ChurningNoob]

they will not refund your money.... Continue it for remaining months... ask icici to convert your chargeable Rubyx to LTF Rubyx, if they deny your request... just close the card.

I found with my life and was able to get refund for joining fee but not GST LOL

Got approval for DCB and Magus, will go with DCB for now. Thanks!

 

[TechnoFinoTechnoFino is verified member.]

My apologies I gave the wrong number - my spend is about 50-60K per month. Which card would you then recommend?

DCB better for you then