Suggest a CC for 1.5L/m

[aijaz21ahmad]

I am holding 7 different CC
Axis (Airtel | Ace)
ICICI (AMA | SAP)
SBI (OCT | CB)
Indus (Legend)
HDFC (Neu Inf.)

I am making good amount of CB and benefits out of them, I feel tired of all tracking etc..
Now I want to reduce it to 1-2 cards, please suggest a all rounder CC for below expense
- 30K utility
- 30K Education
- 35K Online shopping (Groc.. etc..)
- 10K Petrol

Expectation: 3-5% cashback and good benefit (ready to pay annual fee)

 

[pinki]

No cc is allrounder these days,
looking at ur spends ,3-5% from single or two cc's is quite impossible 😂🤣
Even sbi cb fails here.

U have to spend very strategically

 

[pinki]

30K utility:-
Buy apay gv using sbi cb and pay

- 30K Education:-
Use icici amazn pay( ps: dont use any 3rd party app) , u can use on clg or university's portal for 1% back.


- 35K Online shopping (Groc.. etc..)
:- sbi cb 5%

- 10K Petrol:-
Buy iocl Petrol gv from park+ for effectively 7% cb using sbi cb

 

[neo.puneet]

Buy iocl Petrol gv from park+ for effectively 7% cb using sbi cb

i have never used this but i always get xp95 from iocl, i'm getting 4% cashback on xp95 on the app, is it easy to redeem the voucher at the petrol pump?

 

[neo.puneet]

okay, it says it is applicable only at 5 cities and my city is not there

 

[aijaz21ahmad]

30K utility:-
Buy apay gv using sbi cb and pay

- 30K Education:-
Use icici amazn pay( ps: dont use any 3rd party app) , u can use on clg or university's portal for 1% back.


- 35K Online shopping (Groc.. etc..)
:- sbi cb 5%

- 10K Petrol:-
Buy iocl Petrol gv from park+ for effectively 7% cb using sbi cb

Emarald metal would help..incase I shift all spend?

 

[sourpai]

HDFC DCB / Infinia will also help on all spend categories except Fuel. Fuel is excluded for all cards other than fuel co branded cards (including Emerald metal)

 

[pinki]

Emarald metal would help..incase I shift all spend?

I don't have emerald
So no idea

 

[pinki]

i have never used this but i always get xp95 from iocl, i'm getting 4% cashback on xp95 on the app, is it easy to redeem the voucher at the petrol pump?

Yes easy if park+ app is showing successfull redemption at that pump in last 24hrs

 

[pinki]

okay, it says it is applicable only at 5 cities and my city is not there

What r u talking abt ?

 

[neo.puneet]

What r u talking abt ?

there is 4% cashback on xp95 in 5 cities

Yes easy if park+ app is showing successfull redemption at that pump in last 24hrs

thanks i see that on my nearby petrol pump

 

[pinki]

there is 4% cashback on xp95 in 5 cities

thanks i see that on my nearby petrol pump

Means if used sbi cb , we will get 9% ?

Good then 😈

 

[cardio_guycardio_guy is verified member.]

For your spends, normal 2-3 cashback cards would be good enough.

ICICI Amazon pay, hdfc swiggy, and tata neu infinity should do.

Don't go for emeralde metal paid. Not worth the fees paid.