No. Of Credit card for a normal person.

[Manish4393]

What should be the ideal no. Of credit card for a normal person?
Having usual day to day spends, normal usage and obviously during sale.

I currently have axis my zone and icici Apay CC.
Which other card I should look for??

 

[skap9731]

2 , (in case one gets denied at certain places)

More than 2 - enthusiast.
(Don't hate me, this entire question can only be answered based on personal opinion)

 

[RupayMan]

Brother, no one knows other's preference, what's their net earnings and what they eat 3 times every day.. The word NORMAL used here, differs for person to person..

For example,
Ordering food in swiggy/Zomato 10 times a week is normal for some, for others it's one time per month,

Research your own spending pattern, categories what's the monthly average money goes to that particular category and then choose the credit card which gives more rewards or cashback.

Everyone here doing this ground work.

If I suggest you go get Standard chartered Ultimate for their 3.33% cashback on Every spends, but after getting that if you are not using much because the spending is very low, it's waste of annual fee with 5.9k, because you don't need to pay for a card to get a voucher in return without using the card.

 

[DEEP_RAY]

What should be the ideal no. Of credit card for a normal person?
Having usual day to day spends, normal usage and obviously during sale.

I currently have axis my zone and icici Apay CC.
Which other card I should look for??

It depends on personal lifestyle.

I am using HDFC CC and I personally don't care on rewards and offers credit card offers.
Instead this question ask yourself - "How you can earn more ?"

Enjoy your life - Don't fall in business trap.

 

[pra1968]

What should be the ideal no. Of credit card for a normal person?
Having usual day to day spends, normal usage and obviously during sale.

I currently have axis my zone and icici Apay CC.
Which other card I should look for??

For me😀
I made categories
For Department-store
For Fuel
For Food
For Online shopping
For Wallet loading
And
One must be Secured card for CIBIL report.....
So if you are confused.....
Follow this .......🙂

 

[Slayer]

It depends on personal lifestyle.

I am using HDFC CC and I personally don't care on rewards and offers credit card offers.
Instead this question ask yourself - "How you can earn more ?"

Enjoy your life - Don't fall in business trap.

Enjoy your relationship with HDFC - personally would not have a credit card than have one from HDFC
Feels like you are a CBT enjoyer

 

[rp0703]

For me😀
I made categories
For Department-store
For Fuel
For Food
For Online shopping
For Wallet loading
And
One must be Secured card for CIBIL report.....
So if you are confused.....
Follow this .......🙂

Is it necessary to get a secured card?

 

[Slayer]

Is it necessary to get a secured card?

Never had a secured card

Actually don't care much about how tiny things affect CIBIL - it's over 780 so nothing to stress about

 

[RupayMan]

For me😀
I made categories
For Department-store
For Fuel
For Food
For Online shopping
For Wallet loading
And
One must be Secured card for CIBIL report.....
So if you are confused.....
Follow this .......🙂

CIBIL doesn't care for secured card..

 

[blacktiger]

how many wives needed for a person?

 

[Slayer]

how many wives needed for a person?

Real questions

 

[Slayer]

Honestly 0

You only need sidechicks

 

[src223]

Honestly 0

You only need sidechicks

Chicken > sidechicks

 

[pra1968]

Is it necessary to get a secured card?

I think.....
Yes

 

[xiddy]

Chicken > sidechicks

What are you doing with those chickens, Sir? 🤨

 

[src223]

What are you doing with those chickens, Sir? 🤨

In my tummy now

 

[pra1968]

CIBIL doesn't care for secured card..

Never had a secured card

Actually don't care much about how tiny things affect CIBIL - it's over 780 so nothing to stress

How many cc you hold?
How many months old your Credit history?

 

[ak95]

Atleast 2 cards each of major banks to cover discounts in all SALEs
2x HDFC
2x Axis
2x ICICI
2x SBI

Then extra cards for special offers
eg IDFC, Amex etc

So, ideally one should have 10-12 cards

 

[Akash Topder]

Something like SBI cashback to take care of online spending (if online spending is more than 2L then bingo)
Something like Axis Ace to cover for offline and utility (2L+ offline and utility spending then amazing)

Apay and Fk axis are not needed if you have cashback card and Ace tbh but if you want to have that niche thing that those cards offer (like extra 5% cashback on Fk card during some sales) then you can have it. I'll personally only keep Fk card if it's LTF.

You can have a fuel card if your spending is huge on fuel.

And then LTF cards from major banks for instant discounts.

So 2-3 core cards that you use regularly + LTF cards from all major banks that have the most number of offers and instant discounts.

 

[Slayer]

Something like SBI cashback to take care of online spending (if online spending is more than 2L then bingo)
Something like Axis Ace to cover for offline and utility (2L+ offline and utility spending then amazing)

Apay and Fk axis are not needed if you have cashback card and Ace tbh but if you want to have that niche thing that those cards offer (like extra 5% cashback on Fk card during some sales) then you can have it. I'll personally only keep Fk card if it's LTF.

You can have a fuel card if your spending is huge on fuel.

And then LTF cards from major banks for instant discounts.

So 2-3 core cards that you use regularly + LTF cards from all major banks that have the most number of offers and instant discounts.

How to get ACE?