Need Help Choosing Best Credit Card for My Yearly Expenses

[GGGGGG]

Hello,

I’m looking for suggestions on which credit card(s) would give me the best returns based on my yearly spending pattern. I'm considering options between HDFC Infinia, Axis Magnus Burgundy (based on salary with Axis), and ICICI Emeralde Private Metal.
➡️ Redemption Preference: Mostly for online vouchers (Amazon, Swiggy, Myntra, etc.) – not focused on travel redemptions.
➡️ Goal: Maximize reward value and benefits.
➡️ Open to: Single card or a combination of two cards if it increases overall value.

Yearly Expenses Overview:​

Category	Amount	Mode of Transaction	Mode
Insurance	₹2,00,000	Amazon Pay Voucher OR Credit Card	Online
Grocery/Shopping	₹4,00,000	Vouchers (Swiggy/Amazon/Myntra)	Online/Offline
Maintenance (Apartment)	₹1,00,000	UPI	Offline
Bill Payments & Subscriptions	₹1,20,000	Credit Card	Online
School Fees	₹2,00,000	Credit Card	Online/PoS
Travel	₹3,00,000	Credit Card	Online
Other	₹2,00,000	Credit Card	Online/Offline

Would appreciate your recommendations on which card(s) would work best for this spending mix. Looking forward to your inputs!

Thanks in advance! 🙏

 

[IKFLRT]

Bro you sure you'll get Infinia? If yes, it would be a great card for your spends.

 

[GGGGGG]

Bro you sure you'll get Infinia? If yes, it would be a great card for your spends.

Either with ITR or with recent scheme of RLV.

 

[IKFLRT]

Either with ITR or with recent scheme of RLV.

Go with Infinia then.

 

[BVCBVC is verified member.]

Hello,

I’m looking for suggestions on which credit card(s) would give me the best returns based on my yearly spending pattern. I'm considering options between HDFC Infinia, Axis Magnus Burgundy (based on salary with Axis), and ICICI Emeralde Private Metal.
➡️ Redemption Preference: Mostly for online vouchers (Amazon, Swiggy, Myntra, etc.) – not focused on travel redemptions.
➡️ Goal: Maximize reward value and benefits.
➡️ Open to: Single card or a combination of two cards if it increases overall value.

Yearly Expenses Overview:​

Category	Amount	Mode of Transaction	Mode
Insurance	₹2,00,000	Amazon Pay Voucher OR Credit Card	Online
Grocery/Shopping	₹4,00,000	Vouchers (Swiggy/Amazon/Myntra)	Online/Offline
Maintenance (Apartment)	₹1,00,000	UPI	Offline
Bill Payments & Subscriptions	₹1,20,000	Credit Card	Online
School Fees	₹2,00,000	Credit Card	Online/PoS
Travel	₹3,00,000	Credit Card	Online
Other	₹2,00,000	Credit Card	Online/Offline

Would appreciate your recommendations on which card(s) would work best for this spending mix. Looking forward to your inputs!

Thanks in advance! 🙏

If you are eligible for Infinia, just get it.

Coming to M4B, all the expenses you have mentioned might not fetch you any rewards. @drsel will help on this.

 

[Half Human]

Either with ITR or with recent scheme of RLV.

Go for Infinia.. Your single card for now

 

[Indrajeet100]

Infinia and EPM as second choice. Get both if you can.

 

[Fini7777]

Go through this thread

Use calculator sheet for better understanding

Thread 'The Ultimate Credit Card Guide – One-Stop Solution for All Your Queries with RR Analysis!'

Feb 13, 2025

Comprehensive Credit Card Guide
First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

Banks...

• Fini7777
• all credit card
• Replies: 56
• Forum: Informative Threads

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[BVCBVC is verified member.]

Infinia and EPM as second choice. Get both if you can.

Having both is like having Ferrari and Lamborghini!! The best of the both worlds.

Infinia on Visa Infinite and EPM on MC world.

 

[Fini7777]

Having both is like having Ferrari and Lamborghini!! The best of the both worlds.

Infinia on Visa Infinite and EPM on MC world.

perfect combo 🤣