Hello all,
Here i am looking for credit cards to add/replace in my CC portfolio
CC I hold for primary spends:
1) Yes Bank Marquee: For all Online Spends(4.5% in rewards), International spends, Movies (BMS BOGO), Travel bookings
2) ICICI Emeralde Private Metal Card: For all offline spedns(3% rewards), Movies BOGO, Insurance (Will colse this once get hands on Infinia as it has 3.3% base + smartbuy rewards and beneficial for travel bookings as well,I will keep/get sapphiro LTF from icici just to have some icici cc in portfolio)
3) Axis Airtel. : utilities 25/10%cb & zomato and swiggy 10%cb
4) ICICI HPCL Super Saver Rupay: (Fuel @HP with 6.5%cb with HP Pay and RSA)
5) IDFC Power+ : same as ICICI HPCL Super Saver as ICICI have 200 cap for cashback in month.
6) Amex MRCC. : (Specifically for 1.5k x 4 and 20K transaction, got it ltf so kept it)
7) SC EMT: as getting same returns trough offers + EMP/Marqee casback (Will close this too once get Infinia as it gives more cashback using smartbuy for bookings)
Extra Credit Cards got LTF
8) IDFC Select
9) Federal Signet
Cards Closed:
1) SC Smart: took for NPS but Marquee completed the need
Cards i am trying to get hands on:
1) ICICI Amazon Pay : for amazon spends. And will use for utility bills after Axis airtel casback cap is over.
2) ICIC Sapphiro LTF: as planning to close EMP after infinia so to have one from icici in portfolio
3) HSBC Cashback: for Departmental, dining cashabck @ 10%
4) BOB Premier: this is what I got offered as LTF. Application in process taking ages as expected from BOB.
5) BOB Snapdeal: for upi
6) PNB Rupay Select: for upi + rupay select wellness benefits.
7) HDFC Infinia: Basically will replace spedns on EMP and will be used for travel bookings
I am aware that there is capping on cashback on all above credit cards. But my spends is mostly within that cap limit(i means spend required to achieve cashback upto that cap) except Utility category.
Please suggest if any Other credit card is better in place of above. I am ok to pay annual charges if it's getting recoved from cashback.
My cibil is 760+
Thanks in advance. 😁
Edit 1 - 18Jun2024
Edit 2 - 30Jun2024
Edit 3 - 27Aug2024
Here i am looking for credit cards to add/replace in my CC portfolio
CC I hold for primary spends:
1) Yes Bank Marquee: For all Online Spends(4.5% in rewards), International spends, Movies (BMS BOGO), Travel bookings
2) ICICI Emeralde Private Metal Card: For all offline spedns(3% rewards), Movies BOGO, Insurance (Will colse this once get hands on Infinia as it has 3.3% base + smartbuy rewards and beneficial for travel bookings as well,I will keep/get sapphiro LTF from icici just to have some icici cc in portfolio)
3) Axis Airtel. : utilities 25/10%cb & zomato and swiggy 10%cb
4) ICICI HPCL Super Saver Rupay: (Fuel @HP with 6.5%cb with HP Pay and RSA)
5) IDFC Power+ : same as ICICI HPCL Super Saver as ICICI have 200 cap for cashback in month.
6) Amex MRCC. : (Specifically for 1.5k x 4 and 20K transaction, got it ltf so kept it)
7) SC EMT: as getting same returns trough offers + EMP/Marqee casback (Will close this too once get Infinia as it gives more cashback using smartbuy for bookings)
Extra Credit Cards got LTF
8) IDFC Select
9) Federal Signet
Cards Closed:
1) SC Smart: took for NPS but Marquee completed the need
Cards i am trying to get hands on:
1) ICICI Amazon Pay : for amazon spends. And will use for utility bills after Axis airtel casback cap is over.
2) ICIC Sapphiro LTF: as planning to close EMP after infinia so to have one from icici in portfolio
3) HSBC Cashback: for Departmental, dining cashabck @ 10%
4) BOB Premier: this is what I got offered as LTF. Application in process taking ages as expected from BOB.
5) BOB Snapdeal: for upi
6) PNB Rupay Select: for upi + rupay select wellness benefits.
7) HDFC Infinia: Basically will replace spedns on EMP and will be used for travel bookings
I am aware that there is capping on cashback on all above credit cards. But my spends is mostly within that cap limit(i means spend required to achieve cashback upto that cap) except Utility category.
Please suggest if any Other credit card is better in place of above. I am ok to pay annual charges if it's getting recoved from cashback.
My cibil is 760+
Thanks in advance. 😁
Edit 1 - 18Jun2024
Edit 2 - 30Jun2024
Edit 3 - 27Aug2024
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