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Need Suggestion on which card to use as Main CC

Hi Guys,

I need suggestion on which card to use as my main card. All cards are LTF. My monthly expense: 10-15k (max), so I don't want go for paid cards as I won't reach annually fee reversal criteria. My CC usage include daily expense. (No dining, travel once or twice a year).

My current Card portfolio:

HDFC Moneyback (CL: 2.8L)
ICICI Coral Visa (CL: 3.3L)
ICICI Coral Rupay (CL: 3.3L)
BOB Premier Rupay (CL: 50K)
IDFC Select (CL: 2.2L)
IndusInd Tiger (CL: 3.6L)
Federal Celesta (CL: 3.9L)

Previously I used ICICI Coral as my main card and currently accquired 5.8k points, In february I got IDFC select card and starting using as my main card because of better reward rate. But after devaulation, reward rate has gone low: 3RP per 125Rs spent. I use BOB premier for UPI usage, and Coral if required as it has higher limit.

My question is, should I use IDFC Select as my main card where I have around 500 points or stick to ICICI Coral where I have 5.8K pints as my main card for online and offline transactions or some other cards. Please suggest.

Thanks
 
Get HDFC Millenia or use IndusInd Tiger if you are going to redeem for air-miles.
I have asked my HDFC Bank RM, he won't upgrade to Millenia, currently I have upgrade offer for Money-back but as a paid card so I am not opting for it. I don't travel much, so air-miles points transfer don't mean much.
 
Hi Guys,

I need suggestion on which card to use as my main card. All cards are LTF. My monthly expense: 10-15k (max), so I don't want go for paid cards as I won't reach annually fee reversal criteria. My CC usage include daily expense. (No dining, travel once or twice a year).

My current Card portfolio:

HDFC Moneyback (CL: 2.8L)
ICICI Coral Visa (CL: 3.3L)
ICICI Coral Rupay (CL: 3.3L)
BOB Premier Rupay (CL: 50K)
IDFC Select (CL: 2.2L)
IndusInd Tiger (CL: 3.6L)
Federal Celesta (CL: 3.9L)

Previously I used ICICI Coral as my main card and currently accquired 5.8k points, In february I got IDFC select card and starting using as my main card because of better reward rate. But after devaulation, reward rate has gone low: 3RP per 125Rs spent. I use BOB premier for UPI usage, and Coral if required as it has higher limit.

My question is, should I use IDFC Select as my main card where I have around 500 points or stick to ICICI Coral where I have 5.8K pints as my main card for online and offline transactions or some other cards. Please suggest.

Thanks
Considering your current portfolio....
You can't even make 1% on your expenses which should be like the minimum a person should aim for...
If you have ICICI coral card, then apply for APay card which will be approved instantly considering you already have an ICICI card...
It's LTF also and gives better returns...
 
Considering your current portfolio....
You can't even make 1% on your expenses which should be like the minimum a person should aim for...
If you have ICICI coral card, then apply for APay card which will be approved instantly considering you already have an ICICI card...
It's LTF also and gives better returns...
Thanks, I will apply for APay card then
 
This is the best option.

If HDFC denies Tata Neu Infinity, go for normal Tata Neu Plus Rupay variant.

Add ICICI Amazon Pay to your portfolio, which additionally gives 2% on utilities and 1% else where.
But Tata neu would be a paid card for me. And I don't order online from Tata neu, where would I use Tata neu coins???
 
But Tata neu would be a paid card for me. And I don't order online from Tata neu, where would I use Tata neu coins???
See returns given are brand specific and co branded specific.

We need to utilize returns in whatever way we can the best. Tata Neu has multiple brands where you can redeem like 1mg, Tata Cliq, Tata Cliq Luxury, Tanishq, Croma, Bigbasket, IHCL branded hotels (Taj, Ginger etc). The only place where you can widespread the redemption.

Amazon balance you can use for shopping on Amazon or Utility payments too.
 
See returns given are brand specific and co branded specific.

We need to utilize returns in whatever way we can the best. Tata Neu has multiple brands where you can redeem like 1mg, Tata Cliq, Tata Cliq Luxury, Tanishq, Croma, Bigbasket, IHCL branded hotels (Taj, Ginger etc). The only place where you can widespread the redemption.

Amazon balance you can use for shopping on Amazon or Utility payments too.
I don't order from those brands. At Max Amazon, Flipkart. I don't live in to Top tier City, so those brands are also not available in my area. What now?
 
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