helloworld
TF Legend
Hi everyone,
I need some suggestions on which cards should I keep using and any new cards suggestions for my usage.
At present I have the following cards:
1. HDFC MILLENNIA
2. AXIS NEO
3. AXIS MYZONE
4. BOB EASY
5. BOB HPCL ENERGIE
6. ICICI AMAZONPAY
ALL THE CARDS ARE LIFE TIME FREE, Also please suggest should i close axis myzone, and bob easy? as i am not using that cards, also does the bob hpcl card works on instant bank discounts in sales?
Monthly spends are 1-2k on swiggy zomato, 5-8k online shopping, and 3k fuel expenses, 4k utilities etc
LTF cards preferred, but i am okay with paid card if it gives good returns.
I am okay with any type - plain cashback or reward points
for 2L spends, its better to focus your spends on max. 2 cards..
Utilities / Swiggy & Zomato - Airtel Axis (9% after fee payment, don't worry about 590rs. including that you'll get this percentage).
// Simply ask bank to issue on basis myzone or neo and close anyone, not needed. Myzone recommended for close at the current benefits.
Online shopping - HDFC Millennia (5% and with Gyftr vouchers)
Fuel - HPCL Energie but need to spend extra.
Can close remaining (currently with these spends not needed and if you start using them for this spends then you'll get less rewards or cashback because you distributed your spends everywhere).
---- Guarantee closure and I do not see any usecases
- Bob Easy
- Axis Myzone
Optional:
- ICICI APay (swiggy/sbi cb/millennia as alterantives)