Hello guys my current collection of cards is as follows
LTF ones
1) Hdfc diners black - primary card but crippled due to insta loan (80% of card limit) taken on account. I don't prefer to use it anymore as my card utilization ratio is running high due to this.
2) hsbc platinum - oldest card...not using much
3) axis myzone - only used for some swiggy orders and movie sometimes.
4) icici sapphiro - used only for bogo bms...but reward rate is pathetic
5) idfc wealth - most of my usage now are on idfc and sbi cashback but i think I can look for better returns
6) sbi cashback - only for online purchases...
7) one card federal - waste of a card but keeping due to metal and.ltf
8) amazon pay icici - usage only on Amazon
Paid one
9) tata neu infinity - paid card ....hdfc isn't willing to convert this to ltf...usage mainly for tata payments and utility bill payments.
Now you must have realised that I have many cards in the guise of ltf offers. However I am not happy with the reward rates of most except dcb and sbi cashback. Now since my dcb is stuck, would you guys kindly suggest one card which can meet my expenses till the time my dcb is unblocked /infinia upgrade comes along.
It's becoming hard to keep track of diffrent cards and I m just looking for one card which is like jack of all trades.
My main usage are online shopping, grocery shopping, food orders Zomato swiggy, utility bills, occasional flight and hotel bookings and weekend offline dining. Annual card usage can be about 8-10 lakhs combined of all cards.
For rewards i am okay with hotel/airline options as well as cashback/voucher options.
Lastly I will be planning a Europe trip this summer so need a card with good forex option as well as dcb's acceptance is hit or miss.
Many thnx, looking for your valuable inputs
LTF ones
1) Hdfc diners black - primary card but crippled due to insta loan (80% of card limit) taken on account. I don't prefer to use it anymore as my card utilization ratio is running high due to this.
2) hsbc platinum - oldest card...not using much
3) axis myzone - only used for some swiggy orders and movie sometimes.
4) icici sapphiro - used only for bogo bms...but reward rate is pathetic
5) idfc wealth - most of my usage now are on idfc and sbi cashback but i think I can look for better returns
6) sbi cashback - only for online purchases...
7) one card federal - waste of a card but keeping due to metal and.ltf
8) amazon pay icici - usage only on Amazon
Paid one
9) tata neu infinity - paid card ....hdfc isn't willing to convert this to ltf...usage mainly for tata payments and utility bill payments.
Now you must have realised that I have many cards in the guise of ltf offers. However I am not happy with the reward rates of most except dcb and sbi cashback. Now since my dcb is stuck, would you guys kindly suggest one card which can meet my expenses till the time my dcb is unblocked /infinia upgrade comes along.
It's becoming hard to keep track of diffrent cards and I m just looking for one card which is like jack of all trades.
My main usage are online shopping, grocery shopping, food orders Zomato swiggy, utility bills, occasional flight and hotel bookings and weekend offline dining. Annual card usage can be about 8-10 lakhs combined of all cards.
For rewards i am okay with hotel/airline options as well as cashback/voucher options.
Lastly I will be planning a Europe trip this summer so need a card with good forex option as well as dcb's acceptance is hit or miss.
Many thnx, looking for your valuable inputs
