Looking for CC suggestions based on annual spends

[whodiswhodat]

Hi all, my current CC profile includes

• HDFC Regalia Gold (LTF/2.7L) - No banking relation
• ICICI Sapphiro (LTF/12.5L) - Salary account
• ICICI Amazon Pay (LTF/12.5L)
• SBI Cashback (Paid/3L, 1k, waive off at 2L) - Savings account
• IndusInd Easydiner Signature (Paid/3L, 2k, no waive offs) - No banking relation

My average yearly spends (+-1-2L)

• Travel - 2-3L (using RG)
• Dining out - 60k-1L (using Easydiner)
• Offline shopping - 1L (using RG)
• Online shopping - 2-3L (using SBI CB, rarely ICICI Amazon just to keep it active)
• Groceries (mostly offline) - ~2L (using RG)
• Utilities, Insurance etc. - ~1L (using RG)
• Movies - 12-15k (using Sapphiro for booking & Easydiner for Popcorn discount)

Is my current CC profile good enough? Should I remove or add some CCs?
I am considering Amex Platinum Travel to use as my primary till 4L, and switch to RG after that. Is that wise?

I've tried multiple times for DCB, but have been denied (Salary is 33L). Have been denied limit increase too despite the usage. Haven't tried for Emeralde Private Metal (but I doubt it will be accepted). Have offer for Emeralde Plastic which I believe is not good.

In general, I like to keep things simple. I prefer using 2-3 cards at max even if it means losing out on some cashback. Which is why my dream portfolio would be Infinia + SBI Cashback if I ever get it lol.

 

[Anupama_Jha]

Get Axes 🪓 Atlas for Travel spends.

With 33L annual salary, you can get DCB. Just get in touch with right BM/RM

@SSV @Vasuki @vaibhav111 @drsel

 

[drsel]

Infinia eligibility is now 60 lacs per annum, from November 2024

 

[ManojGowda]

Hi all, my current CC profile includes

• HDFC Regalia Gold (LTF/2.7L) - No banking relation
• ICICI Sapphiro (LTF/12.5L) - Salary account
• ICICI Amazon Pay (LTF/12.5L)
• SBI Cashback (Paid/3L, 1k, waive off at 2L) - Savings account
• IndusInd Easydiner Signature (Paid/3L, 2k, no waive offs) - No banking relation

My average yearly spends (+-1-2L)

• Travel - 2-3L (using RG)
• Dining out - 60k-1L (using Easydiner)
• Offline shopping - 1L (using RG)
• Online shopping - 2-3L (using SBI CB, rarely ICICI Amazon just to keep it active)
• Groceries (mostly offline) - ~2L (using RG)
• Utilities, Insurance etc. - ~1L (using RG)
• Movies - 12-15k (using Sapphiro for booking & Easydiner for Popcorn discount)

Is my current CC profile good enough? Should I remove or add some CCs?
I am considering Amex Platinum Travel to use as my primary till 4L, and switch to RG after that. Is that wise?

I've tried multiple times for DCB, but have been denied (Salary is 33L). Have been denied limit increase too despite the usage. Haven't tried for Emeralde Private Metal (but I doubt it will be accepted). Have offer for Emeralde Plastic which I believe is not good.

In general, I like to keep things simple. I prefer using 2-3 cards at max even if it means losing out on some cashback. Which is why my dream portfolio would be Infinia + SBI Cashback if I ever get it lol.

I would suggest you to get axis atlas over plat travel, for reasons being acceptability and better rewards for travel spends.
Another reason being i would continue to use atlas everywhere as base rewards is 4% (way above RG's 1.33%)
Since RG is LTF, use it where axis doesn't reward and rest keep it in locker until you get LE until 8L as that is the threshold for Infinia.

 

[whodiswhodat]

Get Axes 🪓 Atlas for Travel spends.

With 33L annual salary, you can get DCB. Just get in touch with right BM/RM

@SSV @Vasuki @vaibhav111 @drsel

Thank you I'll check out Atlas. I believe I found it very travel oriented in terms of returns. I prefer a more holistic return like Plat travel has. Get evouchers or miles, both options available. But I'll check again what can be done with Axis' edge miles.

Do you have any suggestions for getting DCB. As I mentioned I'm not a banking customer so I don't have a BM/RM. I applied and got the Regalia Gold early in 2024 directly online. I've tried emailing grievance and priority redressal to no avail 🙁

 

[whodiswhodat]

Infinia eligibility is now 60 lacs per annum, from November 2024

That's fine. I'm just looking for DCB not Infinia at this moment.

 

[jhanishdev]

Keep Eazydiner for dining. Use amazon pay card for bill payment via amazon. platinum travel for use up to 4l. SBI Cashback and ICICI Sapphiro cane take care of your shopping offers, movies and rest.

SBI will make Cashback free if used generously.

Correction: my statement was for the old regalia which everyone has ltf. New regalia gold ltf is a very good card. Replace Saphiro and amazon pay with regalia gold and smartbuy combo.

 

[whodiswhodat]

My primary reason for Regalia Gold is lounge access. It has a no nonsense milestone linked domestic & international lounge access for primary & addon cardholders. This is very handy for my family trips. Also milestone based vouchers are cool to get. And my other reason is that it is the only relationship I have with HDFC so maybe it'll help me get DCB. I'm not sure if HDFC offers DCB Metal directly to non customers.