hema220
TF Select
I wanted to know the credit card combination to get the maximum benefit with the minimum number of cards for moderate spenders, i.e., less than 10 lakhs.
The combination should be without premium and super premium cards.
I have the following combinations
Combination -1: HDFC TATA Neu infinity + HDFC Swiggy
This combination gives you
With a 10% grocery cashback (Big Basket and Swiggy Instamart), my grocery spending is around 10k per month.
With a 10% food cash back on Swiggy, monthly expenses on food are around 5k.
With a 5% cash back on TATA Neu, the pricing is competitive with Amazon and Flipkart.
With a 5% cash back on flight tickets on TATA Neu (limited to Air India and Vistara but covering almost all routes), I never used it because of better offers on other cards.
With a 5% bill payment cash back on TATA Neu, my bill payments are around 3 lakhs per year (including LIC, power bills, and mobile recharges for all family members).
With a 5% cash back on e-commerce (monthly capping of Rs. 1500 means 30k purchases per month), the capping is sufficient most of the time.
With a 1.5% cash on UPI payments
With a 1.5% cash back on all other payments.
TATA Neu infinity card gives 1.5% on merchant EMI (As per my knowledge, no other card gives rewards or cash back for EMIs.)
TATA Neu card is eligible for HDFC Bank instant discount offers.
TATA Neu Provides Airport Lounge access: 2 / quarter
Combination -2: HDFC TATA Neu infinity + HDFC Swiggy + Regalia Gold
The regalia gold adds the benefits of 5X rewards for smart buy (6.5% cash back). This card is used only for Smart Buy purchases. Airport lounge: 12 visits per year. I needed two cards for lounge access, as my son gets free lounge access as a complimentary.
Combination -3: HDFC TATA Neu infinity + HDFC Swiggy + Regalia Gold + Ola SBI card
The Ola SBI card gives 7% cash back up to Rs. 500 per month. Since last year, most of the OLA drivers have not accepted online payments; hence, this feature is of no use. I kept this card for SBI card instant discount offers; this card is eligible for instant discounts. They provide very good offers on EMI purchases.
Combination -4: HDFC TATA Neu infinity + HDFC Swiggy + Regalia Gold + Ola SBI card + Kotak 6E Rewards XL card
Kotak 6E Rewards XL card gives 6% cash back on Indigo flights. This card eliminates the search for card-based offers while booking flight tickets. Indigo covers almost all destinations in India. 2% cash back on all other spends (dining has 3%).
This five cards full fills all my needs.
I have other cards as well, such as the Bajaj Super Card, ICICI Amazon Pay, IndusInd, Yes Bank, and AU Card. I am holding a Bajaj card because this is my oldest card (5+ years), and I will close it after some time. The other cards are LTF cards.
The Kotak 6E Rewards XL card is the newest card in my credit card collection. With this card, I have stopped my search for better cards as of now. As per my yearly usage requirements, this collection is sufficient.
What's your suggestion for the best combination of cards?
The combination should be without premium and super premium cards.
I have the following combinations
Combination -1: HDFC TATA Neu infinity + HDFC Swiggy
This combination gives you
With a 10% grocery cashback (Big Basket and Swiggy Instamart), my grocery spending is around 10k per month.
With a 10% food cash back on Swiggy, monthly expenses on food are around 5k.
With a 5% cash back on TATA Neu, the pricing is competitive with Amazon and Flipkart.
With a 5% cash back on flight tickets on TATA Neu (limited to Air India and Vistara but covering almost all routes), I never used it because of better offers on other cards.
With a 5% bill payment cash back on TATA Neu, my bill payments are around 3 lakhs per year (including LIC, power bills, and mobile recharges for all family members).
With a 5% cash back on e-commerce (monthly capping of Rs. 1500 means 30k purchases per month), the capping is sufficient most of the time.
With a 1.5% cash on UPI payments
With a 1.5% cash back on all other payments.
TATA Neu infinity card gives 1.5% on merchant EMI (As per my knowledge, no other card gives rewards or cash back for EMIs.)
TATA Neu card is eligible for HDFC Bank instant discount offers.
TATA Neu Provides Airport Lounge access: 2 / quarter
Combination -2: HDFC TATA Neu infinity + HDFC Swiggy + Regalia Gold
The regalia gold adds the benefits of 5X rewards for smart buy (6.5% cash back). This card is used only for Smart Buy purchases. Airport lounge: 12 visits per year. I needed two cards for lounge access, as my son gets free lounge access as a complimentary.
Combination -3: HDFC TATA Neu infinity + HDFC Swiggy + Regalia Gold + Ola SBI card
The Ola SBI card gives 7% cash back up to Rs. 500 per month. Since last year, most of the OLA drivers have not accepted online payments; hence, this feature is of no use. I kept this card for SBI card instant discount offers; this card is eligible for instant discounts. They provide very good offers on EMI purchases.
Combination -4: HDFC TATA Neu infinity + HDFC Swiggy + Regalia Gold + Ola SBI card + Kotak 6E Rewards XL card
Kotak 6E Rewards XL card gives 6% cash back on Indigo flights. This card eliminates the search for card-based offers while booking flight tickets. Indigo covers almost all destinations in India. 2% cash back on all other spends (dining has 3%).
This five cards full fills all my needs.
I have other cards as well, such as the Bajaj Super Card, ICICI Amazon Pay, IndusInd, Yes Bank, and AU Card. I am holding a Bajaj card because this is my oldest card (5+ years), and I will close it after some time. The other cards are LTF cards.
The Kotak 6E Rewards XL card is the newest card in my credit card collection. With this card, I have stopped my search for better cards as of now. As per my yearly usage requirements, this collection is sufficient.
What's your suggestion for the best combination of cards?
