Spend allocation across cards

[neogen]

My monthly CC spend is around 3 to 4 Lacs. Need suggestion on how and where should I allocate my CC spend across following cards

Axis Magnus (this is no brainer. 1 lac per month)
Axis Vistara Infinite
HdFC Infinia
AMEX Platinum Travel

Major spend is across Hotels, Online Shopping etc.

Other cards that I have are Yes First Exlusive and SBI simplyclick.

Any card that I should retire from above and or add any other card to portfolio?

TIA

 

[ak90]

I hold all 4. For me, its mostly Magnus until 1L; little planning there as well.
Post that, Vistara Infinite for all 1X spends
Infinia for travel / vouchers - the new Accor reward rate is very nice, and per my calculations, the 5X works out very close to Magnus considering redemption fees and all (for Vistara anyway)

 

[tsj49]

For online spends (post 1L + can't covered by vouchers), SBI cashback would give max benefit (5% straight cashback till 2L spend)
If you can split the payments, MRCC would also provide better return for 20k spend (1000+1000+other points every month)

 

[sainod]

also to check if some of the hotels/flights are non INR expense, some cards like axis reserve have double bonus for foreign spending. but compare against travel edge 5x too..

 

[timetraveller]

You could consider adding Reserve to your portfolio. Looking at your monthly spend range, you should be able to reach the milestone for annual fee waiver.

 

[Slayer]

You could consider adding Reserve to your portfolio. Looking at your monthly spend range, you should be able to reach the milestone for annual fee waiver.

+1
Take Gold Charge and MRCC as companion