I have the following credit cards:
My expenses are around 60K - 70K per month
1. Tried to get LE on SBI Vistara but they denied it. Now thinking of closing Simply click and get the limit transferred to Vistara but not sure about it because Vistara is the Master variant. Should I keep the simple click?
2. I was thinking of closing Kotal India Rupay and going for either Union or PNB Rupay wellness selection. Is it good to get PSB CC or should I keep Kotak one?
3. I am thinking of stopping using Amazon and Flipkart CC and moving all Amazon and Flipkart expenses to Millenia. I am not sure how to optimize it more. Please let me if anyone has more suggestions.
4. I want to close the Axis Vistara signature card but now I am thinking to upgrade it to Vistara Infinite as I am looking for one premium card and the second reason is for Vistara Gold membership purposes. The reason being I travel a lot on domestic routes and Gold membership will be beneficial. But I am also looking for a CC with unlimited lounge access. I will not get HDFC DCB or Infinia as of now, so Axis Magnus looks like the remaining good option but I am not sure if I should apply for Axis Magnus due to the following reasons:
* My monthly will mostly never go to 1L per month (which I understood from various posts is the most beneficial milestone). Rarely it can go to 1LPM in 1 or 2 months. So even if I transfer all my spending to Magnus, still it will be beneficial or not? Also, in my monthly spending, my major expense is rent which is not considered for milestones (except for one trick).
* Recently they also removed Vistara from the point transfer (not sure if temporary or permanent). Considering these points should I go for Magnus with Axis infinity?
How should I optimize the card usage in a better way? All suggestions are welcome.
| Card | Fees | limit | |
| SBI Simply Click | 500 | 152000 | Downgraded from SBI Prime. No use apart from any specific offers and discounts |
| Sbi Vistara Prime (Mastercard) | 3000 | 40000 | Mostly for all spending including rent payment |
| Axis Vistara signature | 3000 | 455000 | Earlier this was used for most of the spending before shifting to SBI Vistara |
| IDFC credit card | LTF | 100000 | No use apart from any specific offers and discounts |
| Amazon ICICI | LTF | 1060000 | Use only for Amazon shopping |
| HDFC Millennia | 1000 | 350000 (shared) | Spends on Zomato, Swiggy, uber, and Ola. Waiver above 1L spending. |
| Indusind Legend | LTF | 120000 | No use apart from any specific offers and discounts |
| Standard Chartered Smart | 500 | 600000 | No use apart from any specific offers and discounts |
| Citi Rewards | LTF | 519000 | No use apart from any specific offers and discounts |
| HDFC tata neu infinity | FYF | 350000 (shared) | Recently got it, mainly grocery shopping from Big Basket and CC bill payment |
| Axis Flipkart | LTF | 50000 | No use apart from any specific offers and discounts |
| Axis Myzone | LTF | 50000 | No use apart from swiggy discount |
| HSBC Platinum | LTF | 150000 | No use apart from any specific offers and discounts |
| Kotak Indian Oil Rupay | 450 | 210000 | Fee waiver on 50000. Use it for other credit card bill payments |
| RBL Shoprite | LTF | 326000 | No use. Converted from RBL Zomato |
My expenses are around 60K - 70K per month
1. Tried to get LE on SBI Vistara but they denied it. Now thinking of closing Simply click and get the limit transferred to Vistara but not sure about it because Vistara is the Master variant. Should I keep the simple click?
2. I was thinking of closing Kotal India Rupay and going for either Union or PNB Rupay wellness selection. Is it good to get PSB CC or should I keep Kotak one?
3. I am thinking of stopping using Amazon and Flipkart CC and moving all Amazon and Flipkart expenses to Millenia. I am not sure how to optimize it more. Please let me if anyone has more suggestions.
4. I want to close the Axis Vistara signature card but now I am thinking to upgrade it to Vistara Infinite as I am looking for one premium card and the second reason is for Vistara Gold membership purposes. The reason being I travel a lot on domestic routes and Gold membership will be beneficial. But I am also looking for a CC with unlimited lounge access. I will not get HDFC DCB or Infinia as of now, so Axis Magnus looks like the remaining good option but I am not sure if I should apply for Axis Magnus due to the following reasons:
* My monthly will mostly never go to 1L per month (which I understood from various posts is the most beneficial milestone). Rarely it can go to 1LPM in 1 or 2 months. So even if I transfer all my spending to Magnus, still it will be beneficial or not? Also, in my monthly spending, my major expense is rent which is not considered for milestones (except for one trick).
* Recently they also removed Vistara from the point transfer (not sure if temporary or permanent). Considering these points should I go for Magnus with Axis infinity?
How should I optimize the card usage in a better way? All suggestions are welcome.
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