Need help building my credit card portfolio

[bhavyakjain]

Hello

I need help building my credit card portfolio.

Profile :
CIBIL : 782
Salaried
ITR : 33 L +
Net Monthly : 2 L +

Current Cards :
1. ICICI Amazon Pay : 8.5 L : LTF : Since Sep 22 (Will keep)
2. Axis Ace : 5 L : 590 : Since Apr 23 (Primary Card, Looking to convert to LTF)
3. ICICI Coral : 12 L : LTF : Since Mar 24 (Primary Card for UPI, Crappy card, looking to upgrade or replace with better)
4. AmEx Plat Travel : 8.93 L : 5900 : Since Mar 24 (FYF, Will close after 1st year)

Wishlist :
- IDFC Wealth / Select
- HDFC Regalia Gold / Millennia / Swiggy
- SBI Cashback
- Federal Celesta
- IndusInd Pinnacle / Legend
- SC Ultimate / Smart

Primary Concern :
- Looking for primarily LTF cards or cards who can pay for themselves
- Need a good UPI card
- Need card for taxes, insurance, government payments
- Primarily looking for cashback cards
- Domestic travel once per quarter, so not much use for lounge access
- Movie offers will be good to have

Current Plan :
- Use AmEx card to get IDFC Select (Wealth not being offered yet, do suggest any method to get it)
- Apply Celesta LTF (Was being offered sometime back)
- Legend LTF (Was being offered previously)

Feel free to recommend other cards taht I should add to my portfolio
Please let me know how I can get my desired cards as LTF
Also do recommend how I can optimise usage of my current cards



Thanks

 

[drsel]

Atlas Airtel SBI cashback

 

[bhavyakjain]

Atlas Airtel SBI cashback

1. Atlas is paid though
2. Airtel not much use for me, Ace is better for utility payments, since bills are higher than Airtel capping
3. SBI Cashback trying to get as LTF, any tricks. I have good NRV > 40 L, but no use

 

[Desu Sarath]

Pls don't enter SC world. It's like Mordor in Lord of Rings.

 

[drsel]

Pls don't enter SC world. It's like Mordor in Lord of Rings.

Correct.
SC ultimate returns are around 2.88% (not 3.33%) after considering 10% discount on vouchers, 5900 joining fee and renewal fee and the point redemption fee 117

If you consider higher discounting on the vouchers available, then the returns fall further