How to Redeem Points on various CC and DC most practically and effectively along with some bragging of your Portfolio

[kshitij_0]

I have multiple credit cards and debit cards but I never redeemed points collected on those cards.
I have just HDFC DC Cashback and those cashbacks which is directly credited to the card.
Which bank's points/rewards would you recommend me to check and redeem?

My portfolio:
1) HDFC Millennia (Paid), Tata Neu Infinity(in process, Paid), HDFC Platinum DC[LTF]
2) ICICI MMT(Platinum and Signature), Amazon Pay, Rubyx (MC and Amex) [All LTF], ICICI Titanium DC
3) SBI SimplyClick(LTF), SBI Cashback(Paid), SBI Platinum DC
4) AXIS Flipkart and MyZone(Both LTF), Axis Liberty DC
5) Kotak League(LTF), Kotak 811 DC
6) Amex MRCC(Paid)
7) IDFC Select CC (LTF), IDFC 25k account DC
8) Indusind Legend(LTF)
9) FI Money DC (LTF) (Thinking to get Infinity Account with 50k MAB)
10) HDFC Moneyback plus in family (LTF)

 

[Tejo]

Hdfc, indusind ... monthly

remaining 3 months.

Does kotak league pre-approved??

 

[cardio_guy]

Cc - Amazon ICICI - direct cashback to wallet. That's useful.
Dc - sbi rewardz - opt for any e-voucher or redeem using bookmyshow. Pretty straight forward and sbi gives good number of points.

Not using anything else.

 

[helloworld]

I have multiple credit cards and debit cards but I never redeemed points collected on those cards.
I have just HDFC DC Cashback and those cashbacks which is directly credited to the card.
Which bank's points/rewards would you recommend me to check and redeem?

My portfolio:
1) HDFC Millennia (Paid), Tata Neu Infinity(in process, Paid), HDFC Platinum DC[LTF]
2) ICICI MMT(Platinum and Signature), Amazon Pay, Rubyx (MC and Amex) [All LTF], ICICI Titanium DC
3) SBI SimplyClick(LTF), SBI Cashback(Paid), SBI Platinum DC
4) AXIS Flipkart and MyZone(Both LTF), Axis Liberty DC
5) Kotak League(LTF), Kotak 811 DC
6) Amex MRCC(Paid)
7) IDFC Select CC (LTF), IDFC 25k account DC
8) Indusind Legend(LTF)
9) FI Money DC (LTF) (Thinking to get Infinity Account with 50k MAB)
10) HDFC Moneyback plus in family (LTF)

My suggestion (varies from p2p)

Short answer: Keep it till expiry (before 3 months) or when any plans expected.

Till then do check whether points properly crediting or not in every month and keep tracking.

For optimal usage and to collect most points suggest you to (unless you have very high spends like >5L in a year)..

Close / Stop using completely..

1. MMT both cards
2. MyZone (except Swiggy/AJIO/Movies)
3. Kotak League, Legend, Select (unless those specific bank offers).