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
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