Hello all,
Here i am looking for credit cards to add/replace in my CC portfolio
CC I hold for primary spends:
1) Yes Bank Marquee: For all Online Spends(4.5% in rewards), International spends, Movies (BMS BOGO), Travel bookings
2) ICICI Emeralde Private Metal Card: For all offline spedns(3% rewards), Movies BOGO, Insurance (Will colse this once get hands on Infinia as it has 3.3% base + smartbuy rewards and beneficial for travel bookings as well,I will keep/get sapphiro LTF from icici just to have some icici cc in portfolio)
3) Axis Airtel. : utilities 25/10%cb & zomato and swiggy 10%cb
4) ICICI HPCL Super Saver Rupay: (Fuel @HP with 6.5%cb with HP Pay and RSA)
5) IDFC Power+ : same as ICICI HPCL Super Saver as ICICI have 200 cap for cashback in month.
6) Amex MRCC. : (Specifically for 1.5k x 4 and 20K transaction, got it ltf so kept it)
Extra Credit Cards got LTF
7) IDFC Select
8) Federal Signet
Cards Closed:
1) SC Smart: took for NPS but Marquee completed the need
2) SC EMT: closed this as getting same returns through offers + EMP/Marqee casback (Will use Infinia once i get it as it gives more cashback using smartbuy for bookings)
Cards i am trying to get hands on:
1) ICICI Amazon Pay : for amazon spends. And will use for utility bills after Axis airtel casback cap is over.
2) ICIC Sapphiro LTF: as planning to close EMP after infinia so to have one from icici in portfolio
3) HSBC Cashback: for Departmental, dining cashabck @ 10%
4) BOB Premier: this is what I got offered as LTF. Application in process taking ages as expected from BOB.
5) BOB Snapdeal: for upi
6) PNB Rupay Select: for upi + rupay select wellness benefits.
7) HDFC Infinia: Basically will replace spedns on EMP and will be used for travel bookings
So to Summurise: (Cards mentioned in bracket will be used for that category once i get that card)
1) Utility: Axis Airtel
2) Offline: ICICI EMP
3) Online: Yes Marquee
4) Food(Online) : Axis Airtel (HSBC live+)
5) Dining out: ICICI EMP (HSBC Live +)
6) Grocery(Online) : Yes Marquee (HSBC Live+)
7) Grocery (Offline): Yes Marquee (HSBC Live+)
8) International: Yes Marquee
9) Travel: Yes Marquee (HDFC Infinia)
10) Fuel: ICICI HPCL, UDFc Power +
11) UPI: ICICI HPCL. (BoB Snapdeal)
12) wellness : None (PNB Rupay Select)
13) Movies: ICICI EMP & Yes Marquee [total 10 BOGO/month with Add On cards]
I am aware that there is capping on cashback on all above credit cards. But my spends is mostly within that cap limit(i means spend required to achieve cashback upto that cap) except Utility category.
Please suggest if any Other credit card is better in place of above. I am ok to pay annual charges if it's getting recoved from cashback.
Few card you might alredy suggest but not option for me due to eligibility/not my bucket:
1)Tata Neu
2) SBI Cashback
My cibil is 760+
Thanks in advance. 😁
Here i am looking for credit cards to add/replace in my CC portfolio
CC I hold for primary spends:
1) Yes Bank Marquee: For all Online Spends(4.5% in rewards), International spends, Movies (BMS BOGO), Travel bookings
2) ICICI Emeralde Private Metal Card: For all offline spedns(3% rewards), Movies BOGO, Insurance (Will colse this once get hands on Infinia as it has 3.3% base + smartbuy rewards and beneficial for travel bookings as well,I will keep/get sapphiro LTF from icici just to have some icici cc in portfolio)
3) Axis Airtel. : utilities 25/10%cb & zomato and swiggy 10%cb
4) ICICI HPCL Super Saver Rupay: (Fuel @HP with 6.5%cb with HP Pay and RSA)
5) IDFC Power+ : same as ICICI HPCL Super Saver as ICICI have 200 cap for cashback in month.
6) Amex MRCC. : (Specifically for 1.5k x 4 and 20K transaction, got it ltf so kept it)
Extra Credit Cards got LTF
7) IDFC Select
8) Federal Signet
Cards Closed:
1) SC Smart: took for NPS but Marquee completed the need
2) SC EMT: closed this as getting same returns through offers + EMP/Marqee casback (Will use Infinia once i get it as it gives more cashback using smartbuy for bookings)
Cards i am trying to get hands on:
1) ICICI Amazon Pay : for amazon spends. And will use for utility bills after Axis airtel casback cap is over.
2) ICIC Sapphiro LTF: as planning to close EMP after infinia so to have one from icici in portfolio
3) HSBC Cashback: for Departmental, dining cashabck @ 10%
4) BOB Premier: this is what I got offered as LTF. Application in process taking ages as expected from BOB.
5) BOB Snapdeal: for upi
6) PNB Rupay Select: for upi + rupay select wellness benefits.
7) HDFC Infinia: Basically will replace spedns on EMP and will be used for travel bookings
So to Summurise: (Cards mentioned in bracket will be used for that category once i get that card)
1) Utility: Axis Airtel
2) Offline: ICICI EMP
3) Online: Yes Marquee
4) Food(Online) : Axis Airtel (HSBC live+)
5) Dining out: ICICI EMP (HSBC Live +)
6) Grocery(Online) : Yes Marquee (HSBC Live+)
7) Grocery (Offline): Yes Marquee (HSBC Live+)
8) International: Yes Marquee
9) Travel: Yes Marquee (HDFC Infinia)
10) Fuel: ICICI HPCL, UDFc Power +
11) UPI: ICICI HPCL. (BoB Snapdeal)
12) wellness : None (PNB Rupay Select)
13) Movies: ICICI EMP & Yes Marquee [total 10 BOGO/month with Add On cards]
I am aware that there is capping on cashback on all above credit cards. But my spends is mostly within that cap limit(i means spend required to achieve cashback upto that cap) except Utility category.
Please suggest if any Other credit card is better in place of above. I am ok to pay annual charges if it's getting recoved from cashback.
Few card you might alredy suggest but not option for me due to eligibility/not my bucket:
1)Tata Neu
2) SBI Cashback
My cibil is 760+
Thanks in advance. 😁
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