Need CC suggestion for my card portfolio

[enoqs]

I currently have the following credit cards:

1. ICICI Platinum 550000
2. ICICI APay 550000
3. ICICI Coral Rupay 550000
4. Axis Myzone 260000
5. Axis Kiwi 260000
6. SBI Simplyclick 132000
7. Kotak League 50000

My oldest card is one year old october 2022 the icici platinum one

My credit score is 777, and I am considering applying for new credit cards. I primarily use my credit cards for online purchases, with an average monthly spend of 20k. However, I do make big purchases a couple of times a year, totaling around 6-7 lakh INR. Additionally, I use domestic flights approximately 4 times a year.


I feel like I am stuck with only 1% cash back with ICICI APay, so I am looking for suggestions to improve my credit card options.


Here are the cards I am currently considering:

1. Axis Airtel (First Year Free) - This card will allow me to save 600 INR per month.
2. Axis Ace - Offering 2% cash back on random places and 5% cash back on utilities.
3. Axis Freecharge (First Year Free) - I am not sure if the 5% cash back on Freecharge spends includes utilities.
4. SBI Cashback - I have doubts about which categories the 5% cash back applies to.
5. ICICI Rubix (Lifetime Free) - My relationship manager says he can get me this card.
6. HDFC Regalia - I applied for this card, but they sent me a Melina card which I closed in August.
7. Tata NEU Infinity (First Year Free) - Is this card worth it?
8. Scapia - I cannot apply for this card because I have a Fi account.
9. Indusind, AU, Onecard, and IDFC First are not available in my area.

My salary is approximately 1,10,000 INR, and I have a salary account with ICICI. I am open to considering shifting my salary account to another bank if I receive a pre-approved credit card offer.


Please feel free to ask any questions, and any suggestions you have would be greatly appreciated. Thank you.

 

[RishiKiDev]

I currently have the following credit cards:

1. ICICI Platinum
2. ICICI APay
3. ICICI Coral Rupay
4. Axis Myzone
5. Axis Kiwi
6. SBI Simplyclick
7. Kotak League

My credit score is 777, and I am considering applying for new credit cards. I primarily use my credit cards for online purchases, with an average monthly spend of 20k. However, I do make big purchases a couple of times a year, totaling around 6-7 lakh INR. Additionally, I use domestic flights approximately 4 times a year.


I feel like I am stuck with only 1% cash back with ICICI APay, so I am looking for suggestions to improve my credit card options.


Here are the cards I am currently considering:

1. Axis Airtel (First Year Free) - This card will allow me to save 600 INR per month.
2. Axis Ace - Offering 2% cash back on random places and 5% cash back on utilities.
3. Axis Freecharge (First Year Free) - I am not sure if the 5% cash back on Freecharge spends includes utilities.
4. SBI Cashback - I have doubts about which categories the 5% cash back applies to.
5. ICICI Rubix (Lifetime Free) - My relationship manager says he can get me this card.
6. HDFC Regalia - I was considering this card, but they sent me a Melina card which I closed in August.
7. Tata NEU Infinity (First Year Free) - Is this card worth it?
8. Scapia - I cannot apply for this card because I have a Fi account.
9. Indusind, AU, Onecard, and IDFC First are not available in my area.

My salary is approximately 1,10,000 INR, and I have a salary account with ICICI. I am open to considering shifting my salary account to another bank if I receive a pre-approved credit card offer.


Please feel free to ask any questions, and any suggestions you have would be greatly appreciated. Thank you.

You can consider Tata Neu Infinity Rupay variant. It's good for UPI txns.
If your utilities per month >6000 rupees then get ACE else go with Airtel.
SBI Cashback is a good card overall for all ecom txns.
Take the Rubyx if getting LTF, never hurts to keep a LTF card

 

[helloworld]

1.1L salary has 6-7L yearly spends with avg. monthly spend of 20k?

Regarding suggestions,

Which categories you're spending and hoping more cashback/rewards?

Preferred Cashback/Rewards/Miles?

Highest limit (Other than APay CC) with you and CIBIL age?

 

[AritraSaha]

I currently have the following credit cards:

1. ICICI Platinum 550000
2. ICICI APay 550000
3. ICICI Coral Rupay 550000
4. Axis Myzone 260000
5. Axis Kiwi 260000
6. SBI Simplyclick 132000
7. Kotak League 50000

My oldest card is one year old october 2022 the icici platinum one

My credit score is 777, and I am considering applying for new credit cards. I primarily use my credit cards for online purchases, with an average monthly spend of 20k. However, I do make big purchases a couple of times a year, totaling around 6-7 lakh INR. Additionally, I use domestic flights approximately 4 times a year.


I feel like I am stuck with only 1% cash back with ICICI APay, so I am looking for suggestions to improve my credit card options.


Here are the cards I am currently considering:

1. Axis Airtel (First Year Free) - This card will allow me to save 600 INR per month.
2. Axis Ace - Offering 2% cash back on random places and 5% cash back on utilities.
3. Axis Freecharge (First Year Free) - I am not sure if the 5% cash back on Freecharge spends includes utilities.
4. SBI Cashback - I have doubts about which categories the 5% cash back applies to.
5. ICICI Rubix (Lifetime Free) - My relationship manager says he can get me this card.
6. HDFC Regalia - I applied for this card, but they sent me a Melina card which I closed in August.
7. Tata NEU Infinity (First Year Free) - Is this card worth it?
8. Scapia - I cannot apply for this card because I have a Fi account.
9. Indusind, AU, Onecard, and IDFC First are not available in my area.

My salary is approximately 1,10,000 INR, and I have a salary account with ICICI. I am open to considering shifting my salary account to another bank if I receive a pre-approved credit card offer.


Please feel free to ask any questions, and any suggestions you have would be greatly appreciated. Thank you.

Sir you have selected lot of good card..
Add a kotak cc (Myntra rupay) & bob Snapdeal..(leave the axis freecharge)

Try to get all this over 1 year... Maybe start with sbi cashback..

 

[helloworld]

Maybe i didnt word it well a normal month looks like 15-20k ish

But there are some big purchases comes arround early like college fees for sister
Plus big ticket shoping items

I work from home and live with parents thats why i only need to spend 15-20k out of 1 lakh that i earn

I updated original post with cc limits

I am intrested in best reward rate though i preffer cashback
Mostly i spend on utilities shopping and groceries

I want more than 1% cb for ofline
my oldest cc is one year old

Based on the categories you listed..

(more than 1% cb for offline)

Shopping and Grocery ( card swipe with mcc of same): SC Manhattan 5%
( UPI ): TataNue Infinity 1.5%

Utilities ( with Airtel plans & app partners ): Airtel CC 10%-25%
( normal ): APay 2%

Again, list varies based on spend categories which sometimes can be clubbed with Online vouchers (above cards only for mentioned categories).

Btw, for your Utilities through Amzn, and Voucher based shopping - Millennia can provide 6% if used properly (anyway, since you cancelled no longer considered).

Also, utilities through Amzn and wallet loading through Paytm (for offline UPI or Paytm QR transactions): BOB Eterna 3.75% (wallet loads 2.8%).