My Portfolio Optimisation

[iamabhisekagar]

Hi,
So I have got following CC:

1. Kotak 811 CC LTF 1.2L
2. Kotak Rupay League LTF 1.2 L
3. SBI Simplyclick Paid 32K
4. SBI Cashback Paid 93K
5. HDFC Business Moneyback LTF 48K
6. HDFC Tata Neu Plus LTF 48K
7. PNB Rupay Platinum Conditional LTF 50K
8. Flipkart Axis Paid 69K
9. Also going to apply for an IDFC First CC

Here is My Father CC Portfolio:

1. Axis Neo CC LTF 2.65L
2. Axis Myzone LTF 2.65L
3. SBI Simplyclick Paid 3.4L
4. Indusind Legend LTF 4.08L
5. In process ICICI HPCL Supersaver Rupay CC

My annual Spends are for Groceries (mostly online)
Utility Spends around 50K (Phone, Broadband, Gas, Electricity)
Railways and Flights (around 30k)
Insurance (around 40K)
Electronics (around 50K)
Medicines (around 40K)

Would Like to hear your suggestions to optimize my card Portfolio.

 

[pprakash11]

I applied Bob Snapdeal few days. I got a call from a guy. I said I'm working from home. I don't know what will happen to my application

Do update your progress

 

[4uziaul]

BoB still doing home + office verification both ??

Isme koi shaq hai tumko 🤣

 

[pprakash11]

Isme koi shaq hai tumko 🤣

Exceptions toh hote hi hain
#hehe

 

[Rohith-2009]

Do update your progress

Yes, but wait for a month lol

 

[4uziaul]

Exceptions toh hote hi hain
#hehe

Woh tum aur hum nahi hai 🤣

 

[iamabhisekagar]

BoB still doing home + office verification both ??

Yes they are

 

[deep@vie]

Woh tum aur hum nahi hai 🤣

Yes, that's for MNC employees 🤣

 

[deep@vie]

Isme koi shaq hai tumko 🤣

Even AU does both

 

[pprakash11]

Even AU does both

ICICI bhi kar raha hai

 

[deep@vie]

ICICI bhi kar raha hai

ICICI is doing for years now.
Even yes started now🤣

 

[Chaitanya-a]

ICICI is doing for years now.
Even yes started now🤣

Yes ko kisne itni value dedi jo ye sab krna shuru krdia😂

 

[deep@vie]

Yes ko kisne itni value dedi jo ye sab krna shuru krdia😂

That's the point🤣

 

[iamabhisekagar]

Hey all I want to upgrade my Kotak 811 CC...which one should I upgrade to?

 

[Rohith-2009]

Hey all I want to upgrade my Kotak 811 CC...which one should I upgrade to?

Kotak myntra I suggest

 

[iamabhisekagar]

Kotak myntra I suggest

Actually I was thinking about Kotak IOCL since most of my transactions are for Grocery in Kotak CC and Kotak IOCL provides 2% as reward Points for Grocery

 

[knight]

Actually I was thinking about Kotak IOCL since most of my transactions are for Grocery in Kotak CC and Kotak IOCL provides 2% as reward Points for Grocery

If mcc codes are correct at places you show then 2% sounds good.

Also, @Abhishek012 had shared earlier that Kotak Myntra card was giving 1.25% on UPI txns above 2K.
So if that sounds useful to you, you can consider it.

 

[iamabhisekagar]

When you request for an upgrade in a Kotak CC...do you get charged again for your add on card?

 

[iamabhisekagar]

Question: Got BOB Snapdeal CC on 10th Nov, however joining benefit of 500 Snapdeal voucher not received yet...what should I do?

 

[4uziaul]

Question: Got BOB Snapdeal CC on 10th Nov, however joining benefit of 500 Snapdeal voucher not received yet...what should I do?

Email them here escalations@bobfinancial.com

 

[Rohith-2009]

Question: Got BOB Snapdeal CC on 10th Nov, however joining benefit of 500 Snapdeal voucher not received yet...what should I do?

The first transaction is upi transaction?