Should i replace any of my cards

[AA121]

Hi,

I currently have HDFC TATA Neu infinity - This is the card i use the most, i buy a lot of medicines from 1mg for my mother.
Tata Neu has shared limit with my HDFC Regalia which i do not use much.
I have a Axis Airtel - Use it for only Airtel bill payment and zomato/swiggy.
ICICI amazon for amazon orders.
I have a RBL Icon got after Zomato edition card was closed.

Should i get some other card or continue with above?

 

[vadixit]

For each category, you have one of the best cards. What is your requirement (possible spends) for which you want to further optimize?

 

[AA121]

I only use it for random online purchases, my main spend is medicines on 1mg. I just wanted to know if there was anything better than the current ones i own.

 

[AA121]

Maybe get an upgrade for the Regalia.

 

[kuchbhi]

Quote your other major spends!

 

[kuchbhi]

I still believe Millenia is better than Regalia isn't it?

 

[vadixit]

I only use it for random online purchases, my main spend is medicines on 1mg. I just wanted to know if there was anything better than the current ones i own.

SBI Cashback Card provide 5% cashback on many online purchases. That might be benificial to you.

 

[AA121]

Quote your other major spends!

Since Tata Neu is Rupay, i use it for UPI payments also, online mostly flipkart, zomato, grocery from bigbasket, Uber around 50-60k per month.

 

[HumorSimpson]

I still believe Millenia is better than Regalia isn't it?

Depends on the usage pattern. But for meager spends millenia is the best.

 

[Ram1]

If regalia is not ltf, downgrade regalia to Millenia.
It has spending criteria and 5% cashback on online shopping

 

[HumorSimpson]

flipkart, zomato, grocery from bigbasket, Uber around 50-60k per month.

flipkart and other online shopping - get SBI Cashback card 5% upto 5K per month.
bigbasket - hsbc live+ 10% cashback on groceries and dinings. + 5% nue coins double dip
uber - get sbi cb , buy agvs and use amazon wallet. 50K is really high spend , see if you can buy your own vehicle or atleast uber one subscription.

 

[AA121]

50k total not just uber

 

[AA121]

If regalia is not ltf, downgrade regalia to Millenia.
It has spending criteria and 5% cashback on online shopping

All cards except Axis Airtel are LTF

 

[BVCBVC is verified member.]

Hi,

I currently have HDFC TATA Neu infinity - This is the card i use the most, i buy a lot of medicines from 1mg for my mother.
Tata Neu has shared limit with my HDFC Regalia which i do not use much.
I have a Axis Airtel - Use it for only Airtel bill payment and zomato/swiggy.
ICICI amazon for amazon orders.
I have a RBL Icon got after Zomato edition card was closed.

Should i get some other card or continue with above?

Share some details of the limits on cards, so that we can tell you even if upgrades are possible or not.

 

[AA121]

15L limit on Regalia shared with Tata Neu , i have hdfc preffered bank account. 5L limit on Amazon ICICI, i havent asked for limit increase on ICICI i keep getting messages for increases, remaining crds have low limit.

I have already applied and got approval for AMex travel, i have not completed the form, some one from Amex was outside my office buiding tryinbg to make people fill this form so i did but i have not completed the form yet.

 

[BVCBVC is verified member.]

15L limit on Regalia shared with Tata Neu , i have hdfc preffered bank account. 5L limit on Amazon ICICI, i havent asked for limit increase on ICICI i keep getting messages for increases, remaining crds have low limit.

I have already applied and got approval for AMex travel, i have not completed the form, some one from Amex was outside my office buiding tryinbg to make people fill this form so i did but i have not completed the form yet.

With 15L limit on HDFC card you can try for DCB Metal or Infinia subjected to meeting some spends criteria if it really fits in and HDFC accepts, else Regalia Gold is possible.

Try for ICICI Sapphiro LTF or Rubyx LTF based on the limits you have.

 

[AA121]

With 15L limit on HDFC card you can try for DCB Metal or Infinia subjected to meeting some spends criteria if it really fits in and HDFC accepts, else Regalia Gold is possible.

Try for ICICI Sapphiro LTF or Rubyx LTF based on the limits you have.

What benefits would i from these cards.

 

[helloworld]

Hi,

I currently have HDFC TATA Neu infinity - This is the card i use the most, i buy a lot of medicines from 1mg for my mother.
Tata Neu has shared limit with my HDFC Regalia which i do not use much.
I have a Axis Airtel - Use it for only Airtel bill payment and zomato/swiggy.
ICICI amazon for amazon orders.
I have a RBL Icon got after Zomato edition card was closed.

Should i get some other card or continue with above?

Thread 'Guide to suggest a credit card - Basic requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000
   • Offline...

• helloworld
• Replies: 8
• Forum: Suggest me a Credit Card

• 
• 
• 

: )

 

[BVCBVC is verified member.]

What benefits would i from these cards.

Please understand cards game first, just analyze your spends cards and excellent data available on TF Forum.

 

[HumorSimpson]

flipkart and other online shopping - get SBI Cashback card 5% upto 5K per month.
bigbasket - hsbc live+ 10% cashback on groceries and dinings. + 5% nue coins double dip
uber - get sbi cb , buy agvs and use amazon wallet. 50K is really high spend , see if you can buy your own vehicle or atleast uber one subscription.

This is simple and stress free. Don't run behind Prem cards unless you are a frequent traveler. See my siggy about Princess 👸 magnus