cardCurious
TF Buzz
Hi everyone,
Looking for suggestions from the forum to optimize my credit card portfolio after recent devaluations in ICICI and Axis cards.
Post recent devaluations, especially in Axis and ICICI, lounge access/bms offer, upi and lifestyle benefits have reduced significantly, hence planning to add / replace cards.
Looking forward to suggestions and real-world experiences from forum members.
Thanks in advance 🙏
Looking for suggestions from the forum to optimize my credit card portfolio after recent devaluations in ICICI and Axis cards.
🔹 Current Credit Card Portfolio (All LTF)
- HDFC Millennia
- HDFC Swiggy
- ICICI Coral
- ICICI Sapphiro
- Axis Super Money
Post recent devaluations, especially in Axis and ICICI, lounge access/bms offer, upi and lifestyle benefits have reduced significantly, hence planning to add / replace cards.
🔹 Additional Context
- All my existing cards are lifetime free (LTF)
- I am considering closing ICICI Coral
- I plan to retain ICICI Sapphiro only for occasional offers (movie / merchant offers)
- I am planning to upgrade axis super money to some other axis which i can get
🔹 My Requirements (in preference order)
- Airport lounge access with minimum or no spend criteria
- Gym / fitness / elite lifestyle benefits
- BookMyShow offers (movie tickets / discounts)
- I feel a RuPay Select credit card for upi (need suggestion if its preferred according to my use cases)
- I am currently missing a proper travel-based credit card, so a travel-focused Axis card upgrade is preferred to replace super money
- UPI spends are not very high, hence Kiwi / Neon-based cards are not under consideration as unless i buy i neon subscription and spend >1L only on upi I feel it wont add much value
🔹 Cards I’m Currently Evaluating
- BOB Eterna – currently being offered as LTF as per the website
- Concern: lounge access requires ₹40k quarterly spend
- IndusInd Tiger – LTF, free lounge access, BookMyShow offer, but no clear fitness benefits
- PNB RuPay Select – not fully clear on lounge access, wellness / gym benefits, and overall value
🔹 Questions (Need Your Guidance)
- Which card(s) should I apply for to best meet my requirements — single card or multiple cards?
- Does it make sense to hold both PNB RuPay Select and BOB Eterna, considering BOB Eterna is currently LTF?
- Which Axis card( preferably travel based) upgrade should I target from Axis Super Money that is easier to get as LTF and still offers decent travel / lounge / lifestyle benefits (Salary > ₹1.8 LPM)?
- Any other card i shall consider adding to my portfolio?
Looking forward to suggestions and real-world experiences from forum members.
Thanks in advance 🙏
