xsourabh
TF Neo
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. Axis Vistara Infinite (Since 2021, Annual Fees- 10K, Limit- 3L)- Mostly used for Vistara Gold Status and Business Class Tickets.
2. Axis Select (New, 2024, Annual Fees- 3K, Shared Limit with Infinite)- International Lounge Access by PP, Big Basket & Swiggy Offers.
3. Bob Premier Rupay- (Since 2022, Annual Fees- 1K / Reversed based on usage, Limit- 90K)- For UPI Transactions.
4. SBI Vistara Prime (Since 2022, Annual Fees- 3K, Limit- 1.5L)- For Vistara Tickets, CV Points & Lounge.
5. Amex Platinum Travel (New, 2024, Annual Fees- 5K, Limit- 1.25L)- Not used enough yet.
My annual spends are in the range of 15-20L using all cards (Approx 8L on internationals flights & hotels; Approx 1L on domestic flights, trains & hotels (remaining use Vistara Tickets & Vouchers); Approx 1L on grocery and online transactions; and remaining on taxes, shopping, offline transactions, etc).
I am planning on closing SBI Vistara Prime or downgrading it to Vistara Base Card. Also, my Vistara Gold is valid till April 2025, but I don’t think I will qualify for next renewal. My card annual fees is due in January. So I think, I can even close that in December 2023 or just downgrade to Vistara Signature to keep getting milestone tickets. Also, I am planning to Add SBI Air India Signature, because after recent upgrades I have been booking a lot of Air India flights international travel.
I am sure that Select Annual Fees would be reversed based on spends and so is the case with BoB Premier. So should keep these two open.
Please suggest which other cards could be helpful for me?
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. Axis Vistara Infinite (Since 2021, Annual Fees- 10K, Limit- 3L)- Mostly used for Vistara Gold Status and Business Class Tickets.
2. Axis Select (New, 2024, Annual Fees- 3K, Shared Limit with Infinite)- International Lounge Access by PP, Big Basket & Swiggy Offers.
3. Bob Premier Rupay- (Since 2022, Annual Fees- 1K / Reversed based on usage, Limit- 90K)- For UPI Transactions.
4. SBI Vistara Prime (Since 2022, Annual Fees- 3K, Limit- 1.5L)- For Vistara Tickets, CV Points & Lounge.
5. Amex Platinum Travel (New, 2024, Annual Fees- 5K, Limit- 1.25L)- Not used enough yet.
My annual spends are in the range of 15-20L using all cards (Approx 8L on internationals flights & hotels; Approx 1L on domestic flights, trains & hotels (remaining use Vistara Tickets & Vouchers); Approx 1L on grocery and online transactions; and remaining on taxes, shopping, offline transactions, etc).
I am planning on closing SBI Vistara Prime or downgrading it to Vistara Base Card. Also, my Vistara Gold is valid till April 2025, but I don’t think I will qualify for next renewal. My card annual fees is due in January. So I think, I can even close that in December 2023 or just downgrade to Vistara Signature to keep getting milestone tickets. Also, I am planning to Add SBI Air India Signature, because after recent upgrades I have been booking a lot of Air India flights international travel.
I am sure that Select Annual Fees would be reversed based on spends and so is the case with BoB Premier. So should keep these two open.
Please suggest which other cards could be helpful for me?
