"I'm seeking strategies to maximize the benefits and upgrade my credit cards (CCs), advancing my financial growth and rewards optimization."

[cardnoob24]

"I'm seeking strategies to maximize the benefits and upgrade my credit cards (CCs)"

Banking Relationships:
1. HDFC Bank Savings Account
2. ICICI Bank Savings Account

Credit Cards:
HDFC Bank: LTF (I feel that i have reached a glass ceiling with HDFC Bank, limiting my growth compared to other credit cards.)
1. HDFC Millenia Diners ( Dislike it since no more Lounge Access moved to conditional QoQ 1L spend and on that coupon drama so I WANT REGALIA GOLD also no LE since forever )
2. HDFC Tata Neu Infinity Rupay
3. HDFC Swiggy

ICICI Bank: LTF
1. ICICI MMT Signature
2. ICICI Coral Rupay

American Express:
1. Amex Gold Charge

State Bank of India (SBI):
1. SBI Octane (i want LTF this variant )

RBL Bank:
1. RBL Shop Rite (i want LTF in RBL )

IndusInd Bank: LTF
1. IndusInd Legend

 

[helloworld]

Thread 'Guide to suggest a credit card - Basic requirements'

Thread 'Guide to suggest a credit card - Basic requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000
   • Offline Grocery: ₹10,000...

• helloworld
• Replies: 8
• Forum: Suggest me a Credit Card

• 
• 
• 

 

[cardnoob24]

Thread 'Guide to suggest a credit card - Basic requirements'

Thread 'Guide to suggest a credit card - Basic requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000
   • Offline Grocery: ₹10,000...

• helloworld
• Replies: 8
• Forum: Suggest me a Credit Card

• 
• 
• 

thank you for information it is well curated and to the point after processing the information i have rephrased my post ill appreciate if you can take a look at it and suggest further more thanks

 

[helloworld]

thank you for information it is well curated and to the point after processing the information i have rephrased my post ill appreciate if you can take a look at it and suggest further more thanks

I didn't see any changes, did you updated somewhere or we referring same post here?

As mentioned in earlier shared post,

- need spend pattern, preferred redemption

to get the "strategies to maximize the benefits and upgrade my credit cards"

without that with current scenario, all your cards good and each has their own benefit of providing reward points in certain categories.

----

reason for spend, redemption is can't help you much with Atlas if you not travel but its equally good, also can't help you much with Cashback if you prefer travel redemption. MOreover both not good if you monthly spends just 20k which includes mix of UPI, Offline, Online etc.

A balance and details needed.

Check the post again, do the activities one by one (won't take much time, if you spend everymonth in your house, just one time activity), it also gives you picture about your requirement and cut the unnecssary spends.

 

[cardnoob24]

I didn't see any changes, did you updated somewhere or we referring same post here?

As mentioned in earlier shared post,

- need spend pattern, preferred redemption

to get the "strategies to maximize the benefits and upgrade my credit cards"

without that with current scenario, all your cards good and each has their own benefit of providing reward points in certain categories.

----

reason for spend, redemption is can't help you much with Atlas if you not travel but its equally good, also can't help you much with Cashback if you prefer travel redemption. MOreover both not good if you monthly spends just 20k which includes mix of UPI, Offline, Online etc.

A balance and details needed.

Check the post again, do the activities one by one (won't take much time, if you spend everymonth in your house, just one time activity), it also gives you picture about your requirement and cut the unnecssary spends.

I mean I am good on part of redemption what ment was three issues HDFC where I am stuck on same Limit and card millennia diners sbi and RBL I want them to be ltf where currently I have to go for conditional waving of the fees