Kotak or ICICi or Axis

[hender]

Hi All,

I am having only HDFC Moneyback card, I need secondary /backup card mainly for UPI.

Usually transaction are day to day expenses, but can vary very small to big.

Just one in a month, I have to pay may be 0 to 20,000, so clutter free saving account.
I can go for secured card as well, As Kotak is now open. What's the option you suggest.
1-Kotak and ICICI and Newly opened Axis have nearby branch.(In case any need in future)
2- My priority is Big established bank over fintech.
3- ICICI Apay is being offered on Amazon, but that's not on UPI.
4- If mail alert for every debit/credit transaction is coming, that's perfect suitable for me.
Thanks in advance.

 

[Gownandha]

Hi All,

I am having only HDFC Moneyback card, I need secondary /backup card mainly for UPI.

Usually transaction are day to day expenses, but can vary very small to big.

Just one in a month, I have to pay may be 0 to 20,000, so clutter free saving account.
I can go for secured card as well, As Kotak is now open. What's the option you suggest.
1-Kotak and ICICI and Newly opened Axis have nearby branch.(In case any need in future)
2- My priority is Big established bank over fintech.
3- ICICI Apay is being offered on Amazon, but that's not on UPI.
4- If mail alert for every debit/credit transaction is coming, that's perfect suitable for me.
Thanks in advance.

I would suggest you to give a try for kiwi yes Bank credit card. 2% rewards in most catagory.

In axis if you can get IOCL or myzone card for LTF then it's worth it. However the reward points are still now.


And regarding icici most of their rupay cards have cashback value around 0.5%. So it's kind of average compared to HDFC moneyback and it's milestone benefits.


Kotak, I wouldn't suggest that. Their customer support is one of the worst. Almost no offers whatsoever.

So it's upto you.

 

[hender]

I would suggest you to give a try for kiwi yes Bank credit card. 2% rewards in most catagory.

In axis if you can get IOCL or myzone card for LTF then it's worth it. However the reward points are still now.


And regarding icici most of their rupay cards have cashback value around 0.5%. So it's kind of average compared to HDFC moneyback and it's milestone benefits.


Kotak, I wouldn't suggest that. Their customer support is one of the worst. Almost no offers whatsoever.

So it's upto you.

Thanks for sharing your idea and updating me.

 

[Fini7777]

Hi All,

I am having only HDFC Moneyback card, I need secondary /backup card mainly for UPI.

Usually transaction are day to day expenses, but can vary very small to big.

Just one in a month, I have to pay may be 0 to 20,000, so clutter free saving account.
I can go for secured card as well, As Kotak is now open. What's the option you suggest.
1-Kotak and ICICI and Newly opened Axis have nearby branch.(In case any need in future)
2- My priority is Big established bank over fintech.
3- ICICI Apay is being offered on Amazon, but that's not on UPI.
4- If mail alert for every debit/credit transaction is coming, that's perfect suitable for me.
Thanks in advance.

Try to get airtel axis Rupay variant or yes kiwi for now

Avoid icici and kotak
Kotak myntra will give good return on upi if txn is above 2k
Mark this as solution if ur query is resolved

Check out my excel sheet and find best card for your needs

Thread 'The Ultimate Credit Card Guide – One-Stop Solution for All Your Queries with RR Analysis!'

Feb 13, 2025

First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

📌 Banks Analyzed: 16 issuers, covering 96 credit cards
📌 Excluded...

• Fini7777
• all credit card
• Replies: 45
• Forum: Informative Threads

• 
• 
• 

 

[hender]

Try to get airtel axis Rupay variant or yes kiwi for now

Avoid icici and kotak
Kotak myntra will give good return on upi if txn is above 2k
Mark this as solution if ur query is resolved

Check out my excel sheet and find best card for your needs

Thread 'The Ultimate Credit Card Guide – One-Stop Solution for All Your Queries with RR Analysis!'

Feb 13, 2025

First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

📌 Banks Analyzed: 16 issuers, covering 96 credit cards
📌 Excluded...

• Fini7777
• all credit card
• Replies: 45
• Forum: Informative Threads

• 
• 
• 

Appreciate your reference, help and suggestions.
Will look into more carefully.