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

 

[Swastik]

Tata New card is paid card, fyf for me when I checked in Tata neu app. I don't want a paid card though.

Keep checking ,you might get ut LTF later on ,took around 10 days for me

 

[anisharya16]

I think APay would be the better option for me.

 

[anisharya16]

Keep checking ,you might get ut LTF later on ,took around 10 days for me

I have been checking since past 6 months, still no LTF offer.

 

[BVCBVC is verified member.]

View attachment 49698
No
it's 3L per year

I was referring to Tata Neu plus in my previous message, so thought of Plus card

For Tata Neu Plus: 1L per Year
For Tata Neu Infinity: 3L per Year

 

[anisharya16]

I was referring to Tata Neu plus in my previous message, so thought of Plus card

For Tata Neu Plus: 1L per Year
For Tata Neu Infinity: 3L per Year

Oh i get it now.

 

[Swastik]

I have been checking since past 6 months, still no LTF offer.

Try putting your employer as tata group company
or
Put some significant spends on Moneyback
or
Take FYF Card and then don't activate it till like 28th day ,they might give it to you LTF

Something might work out

 

[anisharya16]

Try putting your employer as tata group company
or
Put some significant spends on Moneyback
or
Take FYF Card and then don't activate it till like 28th day ,they might give it to you LTF

Something might work out

Will see about these tricks

 

[BVCBVC is verified member.]

Try putting your employer as tata group company
or
Put some significant spends on Moneyback
or
Take FYF Card and then don't activate it till like 28th day ,they might give it to you LTF

Something might work out

Yes some tricks like not activating works for some co branded cards like Marriot Bonvoy (Worked for me), Swiggy cards. Not sure of Tata Neu card (Someone has to confirm).

 

[Deleted member 30446]

Millniea & air mile 😃😃
Since when

No I meant that he should either apply for Millenia or if he is not able to then he should make the tiger his primary card and redeem for air-miles.