My Credit Card Portfolio for 2025 - Query & Discussion

[Kabir_1112]

Hello,
I would be looking for your help and suggestion for my credit card portfolio for 2025.
The following credit cards are currently that I'm holding for over 4 years and my annual spend is around 30-35 lakh. It is mostly on flight tickets, hotels and international spending. Mostly I'm interested in cards giving lounge access and having airline/hotel point conversion option with good return on spends. My current ITR is around 65 lakh.
1. Sbi vistara prime
2. Icici emeralde plastic
3. Diner black pvc
4. SC ultimate
5. AXIS magnus, horizon and miles and more
6. AMEX Reserve

All these cards and paid and I'm comfortable paying annual fees but limiting or not over 15k (including GST).
Would really appreciate it if I can get suggestions/advice on which cards are good for the upcoming year and which card can be closed/applied or upgraded this year. Also forex markup plays an important role for me.

 

[helloworld]

Thread 'Guide to Choosing the Right 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...

• helloworld
• Replies: 14
• Forum: Suggest me a Credit Card

• 
• 
• 

: )

 

[Kabir_1112]

Hello,
I would like to know the best credit card that I can use for paying insurance premium (around 4 lakh) in coming months and if any credit card payment that could be considered for milestone benefit if any. The main concern is some insurance premium payment like for Hdfc Life now started charging extra for premium paid via credit card. Currently the cards I'm holding are
Amex travel platinum and platinum Reserve
Diners black plastic
Magnus and Horizon and
SCB ultimate

 

[abhiaj98]

DCB has a daily limit of 5/6k points on insurance. No monthly limit.

 

[VasukiVasuki is verified member.]

Hello,
I would like to know the best credit card that I can use for paying insurance premium (around 4 lakh) in coming months and if any credit card payment that could be considered for milestone benefit if any. The main concern is some insurance premium payment like for Hdfc Life now started charging extra for premium paid via credit card. Currently the cards I'm holding are
Amex travel platinum and platinum Reserve
Diners black plastic
Magnus and Horizon and
SCB ultimate

Amex platinum travel

 

[Kabir_1112]

Amex platinum travel

Will I be eligible for milestone benefit??

 

[BVCBVC is verified member.]

Will I be eligible for milestone benefit??

Yes, please go through below links:

Thread 'Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino'

Dec 31, 2024

Hello TFCians,

First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family.

As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending in 2025.

In each category, I will be suggesting a range of credit cards, spanning from lifetime...

• TechnoFino
• best cards credit cards
• Replies: 118
• Forum: Informative Threads

• 
• 
• 

Thread 'Best Credit Cards 2024 (November 2024) | Category-wise Credit Card Recommendation By TechnoFino'

Nov 8, 2024

Hello TFCians,

We’ve updated our article, “Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino” to reflect changes up to November 7, 2024. With less than two months until the start of 2025, I’ll be posting the "Best Credit Cards 2025" on January 1, 2025, with additional spending and lifestyle categories included.

In each category, I will be suggesting a range of credit cards, spanning from lifetime free options to luxurious ones, covering cashback, air miles, and reward points. Please peruse the complete list below and select the credit card that best...

• TechnoFino
• Replies: 54
• Forum: Credit Card - General

• 
• 
• 

 

[Kabir_1112]

Yes, please go through below links:

Thread 'Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino'

Dec 31, 2024

Hello TFCians,

First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family.

As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending in 2025.

In each category, I will be suggesting a range of credit cards, spanning from lifetime...

• TechnoFino
• best cards credit cards
• Replies: 118
• Forum: Informative Threads

• 
• 
• 

Thread 'Best Credit Cards 2024 (November 2024) | Category-wise Credit Card Recommendation By TechnoFino'

Nov 8, 2024

Hello TFCians,

We’ve updated our article, “Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino” to reflect changes up to November 7, 2024. With less than two months until the start of 2025, I’ll be posting the "Best Credit Cards 2025" on January 1, 2025, with additional spending and lifestyle categories included.

In each category, I will be suggesting a range of credit cards, spanning from lifetime free options to luxurious ones, covering cashback, air miles, and reward points. Please peruse the complete list below and select the credit card that best...

• TechnoFino
• Replies: 54
• Forum: Credit Card - General

• 
• 
• 

Hello,
I would be looking for your help and suggestion for my credit card portfolio for 2025.
The following credit cards are currently that I'm holding for over 4 years and my annual spend is around 30-35 lakh. It is mostly on flight tickets, hotels and international spending. Rarely on dining and other spends. Mostly I'm interested in cards giving lounge access and having airline/hotel point conversion option with good return on spends. My current ITR is around 65 lakh.
1. Sbi vistara prime
2. Icici emeralde plastic
3. Diner black pvc
4. SC ultimate
5. AXIS magnus, horizon and miles and more
6. AMEX Reserve and platinum travel

All these cards are paid and I'm comfortable paying annual fees but limiting or not over 15k (including GST).
Would really appreciate it if I can get suggestions/advice on which cards are good for the upcoming year and which card can be closed/applied or upgraded this year. Also forex markup plays an important role for me.

 

[Kabir_1112]

Hello,

I would be looking for your help and suggestion for my credit card portfolio for 2025.

The following credit cards are currently that I'm holding for over 4 years and my annual spend is around 30-40 lakh. It is mostly on flight tickets, hotels and international spending. Rarely on dining and other spends. Mostly I'm interested in cards giving lounge access and having airline/hotel point conversion option with good return on spends. My current ITR is around 65 lakh.

1. Sbi vistara prime

2. Icici emeralde plastic

3. Diner black pvc

4. SC ultimate

5. AXIS magnus, horizon and miles and more

6. AMEX Reserve and platinum travel


Flight tickets + hotels+ international shopping, cabs, etc = 30 lakh

Other spends(dining, bill payment, insurance premium, etc) = 10 lakh

All these cards are paid and I'm comfortable paying annual fees but limiting or not over 15-18k (including GST).

Would really appreciate it if I can get suggestions/advice on which cards are good for the upcoming year and which card can be closed/applied or upgraded this year. Also forex markup plays an important role for me.

 

[Pissant]

Cancel:
ICICI Emeralde (if not LTF)
SBI Vistara Prime
SC Ultimate
Axis Magnus
Axis Horizon
Axis Miles and More
Amex Reserve

Upgrade any Axis Card to Axis Atlas.

Spend 4lk on Amex Plat Travel (spends which do not get rewarded on any of your other cards)

Route all of your Gyftr/Utilities spends through HDFC DCB. And foreign spends via the DCB through Global Value Program

All of your other spends on Axis Atlas

The perfect 3 Card collection. Might also add Axis Neo/MyZone as a LTF UPI card if you need one.

Amex MRCC is also something you can consider for 20k every month.

In the future you could also consider Axis Olympus for your forex spends.

 

[abhiaj98]

I would have spent 10L on dcb and upgraded to Infinia; if spends from next year are also 8-10L+.

Rest all what @Pissant said. Although not sure how good GVP would be on dcb given its low acceptance.

 

[Kabir_1112]

Cancel:
ICICI Emeralde (if not LTF)
SBI Vistara Prime
SC Ultimate
Axis Magnus
Axis Horizon
Axis Miles and More
Amex Reserve

Upgrade any Axis Card to Axis Atlas.

Spend 4lk on Amex Plat Travel (spends which do not get rewarded on any of your other cards)

Route all of your Gyftr/Utilities spends through HDFC DCB. And foreign spends via the DCB through Global Value Program

All of your other spends on Axis Atlas

The perfect 3 Card collection. Might also add Axis Neo/MyZone as a LTF UPI card if you need one.

Amex MRCC is also something you can consider for 20k every month.

In the future you could also consider Axis Olympus for your forex spends.

I had a word with Axis representative and he said only Axis Horizon can be upgraded to Axis Atlas card. I have an HSBC Premier account and have been offered Premier credit card by HSBC which I'm not sure to opt for. Planning to pay 4 lakh insurance premium next month using Amex Plat travel.

 

[abhiaj98]

I had a word with Axis representative and he said only Axis Horizon can be upgraded to Axis Atlas card. I have an HSBC Premier account and have been offered Premier credit card by HSBC which I'm not sure to opt for. Planning to pay 4 lakh insurance premium next month using Amex Plat travel.

What’s your rent?
Hsbc premier cc gives 3% even on rent (exc 1.5% rent charges maybe)

 

[Pissant]

I had a word with Axis representative and he said only Axis Horizon can be upgraded to Axis Atlas card. I have an HSBC Premier account and have been offered Premier credit card by HSBC which I'm not sure to opt for. Planning to pay 4 lakh insurance premium next month using Amex Plat travel.

Yeah go for Atlas and Premier too since it will be LTF

 

[Kabir_1112]

I would have spent 10L on dcb and upgraded to Infinia; if spends from next year are also 8-10L+.

Rest all what @Pissant said. Although not sure how good GVP would be on dcb given its low acceptance.

GVP on Dcb pvc? I only knew GVP for Infinia customers. I spent almost 6 lacs in December and January on flight tickets and hotels on Dcb pvc but my limit on Dcb is only 8.00 lakh. I need to increase my limit on Dcb along with spend of more than 10+L? Should I keep a target of upgrading my Dcb pvc to Infinia in coming month?

 

[Pissant]

I would have spent 10L on dcb and upgraded to Infinia; if spends from next year are also 8-10L+.

Rest all what @Pissant said. Although not sure how good GVP would be on dcb given its low acceptance.

Yeah he can spend 10lk on DCB anyway after he spends 15lk on Atlas and 4lk on Amex Plat Travel since he spends 30lk a year.

 

[Kabir_1112]

Yeah go for Atlas and Premier too since it will be LTF

Thank you. Will check with my RM for HSBC Premier Cc. Also for Atlas as the Axis representative did call me on Saturday for a follow up on my decision to upgrade to Atlas from Horizon and I did inform him to give me 3 days to check the benefits and get back him. I have also asked for upgrade of ICICI emeralde metal from pvc from my RM last week but no reply since. Will it makes sense? Main reason to hold and use ICICI emeralde Cc is because of my limit (29.75 lakh) and less forex markup though very poor rewards and I've a wealth account with icici bank.

 

[abhiaj98]

Thank you. Will check with my RM for HSBC Premier Cc. Also for Atlas as the Axis representative did call me on Saturday for a follow up on my decision to upgrade to Atlas from Horizon and I did inform him to give me 3 days to check the benefits and get back him. I have also asked for upgrade of ICICI emeralde metal from pvc from my RM last week but no reply since. Will it makes sense? Main reason to hold and use ICICI emeralde Cc is because of my limit (29.75 lakh) and less forex markup though very poor rewards and I've a wealth account with icici bank.

How are you able to hold so many premium CCs from multiple banks? Dont they all require TRV or salary?

 

[Kabir_1112]

I sent a manual LE increase form to the nearest Hdfc bank branch along with the documents they requested for my Dcb Cc 10 days back and I received a msg from Cibil regarding hdfc bank inquiry an hour ago almost.

 

[BVCBVC is verified member.]

Thank you. Will check with my RM for HSBC Premier Cc. Also for Atlas as the Axis representative did call me on Saturday for a follow up on my decision to upgrade to Atlas from Horizon and I did inform him to give me 3 days to check the benefits and get back him. I have also asked for upgrade of ICICI emeralde metal from pvc from my RM last week but no reply since. Will it makes sense? Main reason to hold and use ICICI emeralde Cc is because of my limit (29.75 lakh) and less forex markup though very poor rewards and I've a wealth account with icici bank.

Hi @Kabir_1112 you’ve created around 3 threads on similar topics. We are merging all together as similar discussions happening. Please maintain discussion on one thread. Happy TFing.