Need inputs on primary CC

[Ankit Goyal]

Hi, I'm currently using LTF Axis Flipkart CC as my primary card for spends. My spending is around 28k-37k per month. I get default reward rate of 1.5% on each transaction with more on Flipkart etc.

I use Amazon pay CC for purchase from Amazon (3k per month) and Zomato CC for Zomato orders etc.

I have recently got LTF HDFC DCB. As it has a base reward rate of 5 points per 150 rs spent (3.33%) I was thinking to switch my spends to DCB. I am not yet into airmiles so that would reduce my effective reward rate while redemption.

Also, I extract 1% reward on bill payment via HDFC platinum debit card.

Can I get suggestions if I should switch to DCB or not?
What other reward redemption options I would have for DCB?
Can I use mobikwik to pay my DCB bill to get 1% cashback from HDFC platinum debit card?

Any response would be appreciated

@TechnoFino @bhavyegoel @sujith8786 @Tejas @anirban.choudhury

 

[ak93]

Yes, switch to DCB since it's LTF and has better rewards even if you redeem points for vouchers.

You can buy Amazon, Flipkart and Zomato vouchers from hdfc smartbuy for 3x rewards. So, even if you redeem the points for vouchers, your reward rate would be around 5%.

Yes, you can pay DCB bill from mobikwik using platinum DC to get 1% cashback upto 750. You can use CheQ to pay anything over this limit to get 1% back as chips which you can redeem for gift cards (Conversion rate of 1:0.5 to Amazon/Flipkart/Zomato GC, but 1:1 to blinkit, ola, uber, etc)