Need Credit card Portfolio review

[garvit99]

I need the suggestions on which CC to keep and which to close.

Salary around 1.5L
Spends around 30K (around 7k for bills, 5k for wallet, 10k for food...., )


Axis Vistara Signature Card - 3000 + GST
SBI Simply Save Rupay Card - 500 + GST
Kotak League Rupay Card - LTF (doesn't work on UPI, some bug with Kotak)
ICICI Amazon Pay Card - LTF
HDFC Regalia Card - LTF (Oldest card since 2018/2019)
BOB OneCard Card - LTF
IDFC First Select Card - LTF


Should I close any cards?
Also which cards should I use for lounge access, since these cards give don't give access without spends

 

[SpiesCan'tCatchMe]

I need the suggestions on which CC to keep and which to close.

Salary around 1.5L
Spends around 30K (around 7k for bills, 5k for wallet, 10k for food...., )


Axis Vistara Signature Card - 3000 + GST
SBI Simply Click Rupay Card - 500 + GST
Kotak League Rupay Card - LTF (doesn't work on UPI, some bug with Kotak)
ICICI Amazon Pay Card - LTF
HDFC Regalia Card - LTF (Oldest card since 2018/2019)
BOB OneCard Card - LTF
IDFC First Select Card - LTF


Should I close any cards?
Also which cards should I use for lounge access, since these cards give don't give access without spends

Did you just say simply click rupay card?
I want it too

 

[Deleted member 30446]

I need the suggestions on which CC to keep and which to close.

Salary around 1.5L
Spends around 30K (around 7k for bills, 5k for wallet, 10k for food...., )


Axis Vistara Signature Card - 3000 + GST
SBI Simply Click Rupay Card - 500 + GST
Kotak League Rupay Card - LTF (doesn't work on UPI, some bug with Kotak)
ICICI Amazon Pay Card - LTF
HDFC Regalia Card - LTF (Oldest card since 2018/2019)
BOB OneCard Card - LTF
IDFC First Select Card - LTF


Should I close any cards?
Also which cards should I use for lounge access, since these cards give don't give access without spends

Do you travel?

 

[garvit99]

Did you just say simply click rupay card?
I want it too

I updated, it is simply save rupay cc

 

[garvit99]

Do you travel?

I travel once a year international, use Scapia card of friend for 0% charges


Domestic travels -3/4 round trips yearly

 

[Deleted member 30446]

I travel once a year international, use Scapia card of friend for 0% charges


Domestic travels -3/4 times yearly

Ok then you should get your Vistara converted into Atlas. It will be an amazing primary card which will give you 4-7.2% on all spends and up till 18% on travels spends.
Also has total 8 domestic and 4 international lounge access for you + family
But you should consider the fees since your spends are low.

 

[coolguy1]

Axis Vistara Signature Card - 3000 + GST

Do you fly Vistara often on your routes? Or prefer any other airline? As suggested above, Atlas could be a good option depending on the airline preference.

SBI Simply Save Rupay Card - 500 + GST

How much is your spend here and what categories?

 

[garvit99]

Do you fly Vistara often on your routes? Or prefer any other airline? As suggested above, Atlas could be a good option depending on the airline preference.


How much is your spend here and what categories?

Vistara is only decent flight left in India,
Air India has degraded its quality a lot and removed the 25kg limit as well, so Vistara is good


UPI card spends are 10k per month, which makes (1lakh annual spend and fees is zero)
I read about Tata HDFC Neu cards, should I apply for that?

 

[Riya]

I need the suggestions on which CC to keep and which to close.

Salary around 1.5L
Spends around 30K (around 7k for bills, 5k for wallet, 10k for food...., )


Axis Vistara Signature Card - 3000 + GST
SBI Simply Save Rupay Card - 500 + GST
Kotak League Rupay Card - LTF (doesn't work on UPI, some bug with Kotak)
ICICI Amazon Pay Card - LTF
HDFC Regalia Card - LTF (Oldest card since 2018/2019)
BOB OneCard Card - LTF
IDFC First Select Card - LTF


Should I close any cards?
Also which cards should I use for lounge access, since these cards give don't give access without spends

You are spending way too much on card fee when compared to similar cards with much lower fee...
Your expenses are pretty low... Try and get Axis Ace for utilities and sbi cashback card for online expenses...
Close vistara card if you don't travel or if you do then see what benefit you are getting from it.. aim for atleast 5% returns for a high end card..
Close simply save card too... It saves nothing

 

[dealminer]

Ok then you should get your Vistara converted into Atlas. It will be an amazing primary card which will give you 4-7.2% on all spends and up till 18% on travels spends.
Also has total 8 domestic and 4 international lounge access for you + family
But you should consider the fees since your spends are low.

@garvit99 I agree with him.

Atlas is a bang even after devaluation. Move all the expenses to this card. Close other paid cards.

 

[iamdhamo]

You are spending way too much on card fee when compared to similar cards with much lower fee...
Your expenses are pretty low... Try and get Axis Ace for utilities and sbi cashback card for online expenses...
Close vistara card if you don't travel or if you do then see what benefit you are getting from it.. aim for atleast 5% returns for a high end card..
Close simply save card too... It saves nothing

Haha simply save not saving anything

 

[garvit99]

Haha simply save not saving anything

Which Credit card for Rupay spends then?

 

[SpiesCan'tCatchMe]

Which Credit card for Rupay spends then?

Tata neu Infinity, Jupiter edge csb, even tata neu plus for that matter
Au spont

 

[iamdhamo]

Which Credit card for Rupay spends then?

Tata neu Infinity and kiwi if axis Bank holder.

 

[coolguy1]

Vistara is only decent flight left in India,
Air India has degraded its quality a lot and removed the 25kg limit as well, so Vistara is good


UPI card spends are 10k per month, which makes (1lakh annual spend and fees is zero)
I read about Tata HDFC Neu cards, should I apply for that?

Neu Cards are good but they're barely accepted at all places since most UPI merchants have cc payments turned off.

Where are you using these spends towards? Electricity bills? Utilities?

 

[RadTheCrab]

Neu Cards are good but they're barely accepted at all places since most UPI merchants have cc payments turned off.

Where are you using these spends towards? Electricity bills? Utilities?

I believe merchants cannot turn payments via Rupay CC on or off at will. It depends on whether or not they have completed KYC with their QR issuing app.

 

[Anindya98]

I believe merchants cannot turn payments via Rupay CC on or off at will. It depends on whether or not they have completed KYC with their QR issuing app.

Yes Merchant can turn on or off rupay cc payment & also depends on wheather it's a SA or current account

 

[coolguy1]

I believe merchants cannot turn payments via Rupay CC on or off at will. It depends on whether or not they have completed KYC with their QR issuing app.

They can turn off payments from CC entirely. They can turn off payments above Rs.2000 from CC.

All these options are available in the merchant apps! 🙂

 

[garvit99]

They can turn off payments from CC entirely. They can turn off payments above Rs.2000 from CC.

All these options are available in the merchant apps! 🙂

Using them at any small vendor like food places etc.. where they don't accept credit cards

Also using Rupay CC UPI to pay simpl bills

 

[RadTheCrab]

Yes Merchant can turn on or off rupay cc payment & also depends on wheather it's a SA or current account

They can turn off payments from CC entirely. They can turn off payments above Rs.2000 from CC.

All these options are available in the merchant apps! 🙂

Interesting.... Didn't know that.