Looking for CC/DC recommendation. Have Infinia, Sapphiro, Apay, Simplyclick

[vishp]

As mentioned in title, I needed some recommendation of whether I should get a new DC/CC for any specific use case.

1. FYF Infinia covers vouchers, flights, hotels, bus, and HDFC specific discounts
2. LTF Sapphiro covers movie tickets and ICICI specific discounts
3. LTF Apay used to cover Amazon purchases but now after getting Infinia, will be rarely using it
4. Paid Simplyclick covers SBI discounts
5. My wife has LTF IDFC basic card which covers zero forex transactions and IDFC specific discounts
6. My brother will be getting a LTF SBI Aurum soon through college

1. Should I get a UPI on CC card? UPI on CC is highly restricted by shopkeepers nowadays, so don't see much benefit getting it. Also, correct me if I am wrong, I believe person to person UPI payment doesn't fetch rewards except sometime in Amazon UPI. [have heard of Kiwi UPI, but need to check details]
2. I have one DC Rupay platinum in family. Use it for Friday discounts. Should I get additional?

 

[sidp]

As mentioned in title, I needed some recommendation of whether I should get a new DC/CC for any specific use case.

1. FYF Infinia covers vouchers, flights, hotels, bus, and HDFC specific discounts
2. LTF Sapphiro covers movie tickets and ICICI specific discounts
3. LTF Apay used to cover Amazon purchases but now after getting Infinia, will be rarely using it
4. Paid Simplyclick covers SBI discounts
5. My wife has LTF IDFC basic card which covers zero forex transactions and IDFC specific discounts
6. My brother will be getting a LTF SBI Aurum soon through college

1. Should I get a UPI on CC card? UPI on CC is highly restricted by shopkeepers nowadays, so don't see much benefit getting it. Also, correct me if I am wrong, I believe person to person UPI payment doesn't fetch rewards except sometime in Amazon UPI. [have heard of Kiwi UPI, but need to check details]
2. I have one DC Rupay platinum in family. Use it for Friday discounts. Should I get additional?

Still a lot of merchants allow upi. Rupay cc is definitely worth it. Try to get neu infinity ltf. Or may be axis airtel rupay. Otherwise get any ltf rupay cc you can get. Icici will happily give to ltf coral rupay if not ltf hpcl supersaver.

 

[NAB]

Additional CC/DC also depends on your usage/requirements. If everything is shorted by your current cards, then no need to add new ones.

You can think about adding BOB Snapdeal/Tata Neu Infinity for UPI CC purposes. Use wherever it works. Otherwise, you already have the best cards.

If you feel, you need more Rupay Platinum DCs for various bills, go ahead and add some.

 

[vishp]

Still a lot of merchants allow upi. Rupay cc is definitely worth it. Try to get neu infinity ltf. Or may be axis airtel rupay. Otherwise get any ltf rupay cc you can get. Icici will happily give to ltf coral rupay if not ltf hpcl supersaver.

Thanks! ! !

 

[vishp]

Additional CC/DC also depends on your usage/requirements. If everything is shorted by your current cards, then no need to add new ones.

You can think about adding BOB Snapdeal/Tata Neu Infinity for UPI CC purposes. Use wherever it works. Otherwise, you already have the best cards.

If you feel, you need more Rupay Platinum DCs for various bills, go ahead and add some.

Thanks ! !

 

[helloworld]

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...

• helloworld
• Replies: 13
• Forum: Suggest me a Credit Card

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