Need CC usage suggestions

[Harjeevansingh]

Hi guys,

I have recently shifted most of my expenses to credit card but I’m not sure which card to use where, though I try to use my primary card most of the time. I need suggestions for credit card usage that I can adopt to maximise my savings/returns.

My monthly expenses -
1. Rent - 17k
2. Swiggy (for daily meals as i have swiggy One membership) - 7k
3. Groceries (big basket + swiggy) - 3-4k (planned to shop on bigbasket until i have tata neu cc)
4. Petrol - 2k
5. Irctc - 3k
6. Utility bills - 10k
7. Miscellaneous upi spends - 2K


Other annual expenses-
1. In app subscriptions - 10k
2. Travel - 3-5L
(I travel 5-8 times annually including international trips but I’m a budget traveller so stay in hostels and airbnb. My major bookings are done through MMT and I have MMT Black exclusive member. So, not sure AIRMILES are worth for me, rather they will raise my travel expense)
3. Forex spend - 1.5-2L (currently using fi debit card)



Below is the list of the cards that I hold.

1. HDFC Millenia - LTF ( using as PRIMARY cc)
2. HDFC Tata Neu Infinity+ Repay - FYF (may close next year)
3. Axis Select - LTF
4. Axis MyZone - LTF
5. Axis Flipkart - Paid ( Only paid card that I have)
6. ICICI Amazon Pay - LTF
7. ICICI Rubyx Rupay - LTF


Let me know if I should get another card that can help me optimise the usage better.

Thanks in advance,

 

[moneyMaker]

Rent - Redgiraffee with a card with max rewards.

Swiggy HDFC?

For Groceries, local karyana store with a card that has maximum rewards offline/ PoS

SBI Octane for fuel.

irctc sbi

in-app - kiwi upi (google play)

upi - kiwi

Forex - GVP program with super premium card

Which Utilities exactly?

For travel, probably some MMT card in your case (but not sure)

 

[Harjeevansingh]

Rent - Redgiraffee with a card with max rewards.

Swiggy HDFC?

For Groceries, local karyana store with a card that has maximum rewards offline/ PoS

SBI Octane for fuel.

irctc sbi

in-app - kiwi upi (google play)

upi - kiwi

Forex - GVP program with super premium card

Which Utilities exactly?

For travel, probably some MMT card in your case (but not sure)

Thanks! Utilities include electricity bills mainly along with wifi bills.

 

[moneyMaker]

wifi bills.

If you have airtel, axis airtel is best.

electricity bills

HDFC millennia amazon gift voucher then pay bill using balance.

Or axis airtel, can compare.

 

[Harjeevansingh]

If you have airtel, axis airtel is best.


HDFC millennia amazon gift voucher then pay bill using balance.

Or axis airtel, can compare.

Okay, that sounds fair with the amazon gift. Will try to close axis myzone and get axis airtel. Thanks for the suggestions

 

[Akash_Aryan]

2k ka fuel expense SBI Octane pe not logical. Calculate SBI BPCL and SBI Octane reward rate basis of 2k spends on fuel and then look the difference of annual charges on them

 

[helloworld]

Hi guys,

I have recently shifted most of my expenses to credit card but I’m not sure which card to use where, though I try to use my primary card most of the time. I need suggestions for credit card usage that I can adopt to maximise my savings/returns.

My monthly expenses -
1. Rent - 17k
2. Swiggy (for daily meals as i have swiggy One membership) - 7k
3. Groceries (big basket + swiggy) - 3-4k (planned to shop on bigbasket until i have tata neu cc)
4. Petrol - 2k
5. Irctc - 3k
6. Utility bills - 10k
7. Miscellaneous upi spends - 2K


Other annual expenses-
1. In app subscriptions - 10k
2. Travel - 3-5L
(I travel 5-8 times annually including international trips but I’m a budget traveller so stay in hostels and airbnb. My major bookings are done through MMT and I have MMT Black exclusive member. So, not sure AIRMILES are worth for me, rather they will raise my travel expense)
3. Forex spend - 1.5-2L (currently using fi debit card)

Below is the list of the cards that I hold.

1. HDFC Millenia - LTF ( using as PRIMARY cc)
2. HDFC Tata Neu Infinity+ Repay - FYF (may close next year)
3. Axis Select - LTF
4. Axis MyZone - LTF
5. Axis Flipkart - Paid ( Only paid card that I have)
6. ICICI Amazon Pay - LTF
7. ICICI Rubyx Rupay - LTF


Let me know if I should get another card that can help me optimise the usage better.

Thanks in advance,

monthly expenses -

1. None (need a card with milestone which consider rent payment - eligibility).
2. Millennia with Smartbuy swiggy vouchers or Select depends on min. order amount.
3. Millennia with Smartbuy BB or Swiggy vouchers or Select (If min. 2k) or Infinity (depends on offer and order of preference if not).
4. AmznPay (for full fuel surcharge - no cashback).
5. Millennia or Amzn with Smartbuy vouchers.
6. TataNeu app or (if biller not available) AmznPay.
7. TataNeu Infinity

Other annual expenses-

1. AmznPay (do check reward sections for subscription offers along with it).
2. Whichever card offers better at that time in MMT, if possible check Amzn for 5% cashback on Travel.
3. TataNeu Infinity (with Global value program)

Let me know if I should get another card that can help me optimise the usage better.

Your best cards - TataNue Infinity and AmznPay
Close - myzone and flipkart
Get - AXIS airtel (Only If those Utility bill providers available + having airtel connection) or HSBC Cashback (Grocery, food, Offline)

Fuel - BPCL (SBI 500) or HPCL (IDFC Power 300)
Rent - None.

Total annual charges: 0 (existing except Nue Infinity which you can get LTF by sending mails, try) + 1K-1.5K (new cards)

Rubyx Rupay???

 

[Harjeevansingh]

monthly expenses -

1. None (need a card with milestone which consider rent payment - eligibility).
2. Millennia with Smartbuy swiggy vouchers or Select depends on min. order amount.
3. Millennia with Smartbuy BB or Swiggy vouchers or Select (If min. 2k) or Infinity (depends on offer and order of preference if not).
4. AmznPay (for full fuel surcharge - no cashback).
5. Millennia or Amzn with Smartbuy vouchers.
6. TataNeu app or (if biller not available) AmznPay.
7. TataNeu Infinity

Other annual expenses-

1. AmznPay (do check reward sections for subscription offers along with it).
2. Whichever card offers better at that time in MMT, if possible check Amzn for 5% cashback on Travel.
3. TataNeu Infinity (with Global value program)

Let me know if I should get another card that can help me optimise the usage better.

Your best cards - TataNue Infinity and AmznPay
Close - myzone and flipkart
Get - AXIS airtel (Only If those Utility bill providers available + having airtel connection) or HSBC Cashback (Grocery, food, Offline)

Fuel - BPCL (SBI 500) or HPCL (IDFC Power 300)
Rent - None.

Total annual charges: 0 (existing except Nue Infinity which you can get LTF by sending mails, try) + 1K-1.5K (new cards)

Rubyx Rupay???

Thanks @helloworld, thats quite an explain!! I was looking for this.
Yes, I'm trying for Airtel Axis credit will close myzone. Not closing Flipkart as I've got upgrade offer on it for IOCL Axis card which I'm expecting to be lifetime free. (Or shall I still get any paid fuel card instead, out of the 2 which you mentioned?)


Rubyx Rupay - Got it as i was getting it LTF and with good limit as sometime offline electronic store have great offers on ICICI cc but AmazonPay is excluded most of the times.

 

[helloworld]

Thanks @helloworld, thats quite an explain!! I was looking for this.
Yes, I'm trying for Airtel Axis credit will close myzone. Not closing Flipkart as I've got upgrade offer on it for IOCL Axis card which I'm expecting to be lifetime free. (Or shall I still get any paid fuel card instead, out of the 2 which you mentioned?)


Rubyx Rupay - Got it as i was getting it LTF and with good limit as sometime offline electronic store have great offers on ICICI cc but AmazonPay is excluded most of the times.

Can you post Rubyx rupay card front pic? hide numbers.

Fuel - Your wish, as you see fit. I can suggest opt SBI BPCL, close Fk, and try to convert LTF during renewal. Works for SBI offers too. But your wish.

 

[Harjeevansingh]

Can you post Rubyx rupay card front pic? hide numbers.

Fuel - Your wish, as you see fit. I can suggest opt SBI BPCL, close Fk, and try to convert LTF during renewal. Works for SBI offers too. But your wish.

Sure, the card is in gurgaon I’m currently working from home. Will share once I reach there.

I use it rarely

 

[pprakash11]

Sorry for diversion:
How you got Rubyx Rupay LTF?

 

[rockking1994]

Probably won’t get axis Airtel as ltf but even paid is extremely worth it can get 500-600 cb a month with not much effort

 

[Harjeevansingh]

Probably won’t get axis Airtel as ltf but even paid is extremely worth it can get 500-600 cb a month with not much effort

Yes definitely, i have airtel black for wifi and dish. And 3 airtel sim in the house

 

[Harjeevansingh]

Sorry for diversion:
How you got Rubyx Rupay LTF?

There’s this trick. Apply for cc from icici android mobile app and you will see multiple ltf cards options

 

[rockking1994]

Yes definitely, i have airtel black for wifi and dish. And 3 airtel sim in the house

For optimal usage do 1200 rs spend in these next 3k for electricity bill
And 5k on Swiggy and big basket
Don’t go above these

 

[Harjeevansingh]

For optimal usage do 1200 rs spend in these next 3k for electricity bill
And 5k on Swiggy and big basket
Don’t go above these

Got it, thanks! 🙌🏻

 

[moneyMaker]

You mentioned travel and MMT.

I think you should try to get RBL world safari at LTF.

They are currently running 3k MMT voucher then you can renegotiate after 1 yr.

You can follow this thread https://www.technofino.in/community...re-upgraded-from-zomato-edition.14807/page-43

 

[Harjeevansingh]

Okay, I think you got 'Coral Rupay'. Didn't know Rubyx Rupay available. @Abhishek012 can confirm?

You can checkout the mail ss

 

[Harjeevansingh]

You mentioned travel and MMT.

I think you should try to get RBL world safari at LTF.

They are currently running 3k MMT voucher then you can renegotiate after 1 yr.

You can follow this thread https://www.technofino.in/community...re-upgraded-from-zomato-edition.14807/page-43

The thread is too long. What I can conclude is people are upgrading from zomoto card and then getting safari as LTF. Do you know any other way? That will be helpful in my case

 

[moneyMaker]

Do you know any other way?

Get shoprite ltf then upgrade to safati ltf after a few months.

OR

Get safari now with 3k mmt voucher (then it becomes FYF essentially), negotiate after 1 yr.