Suggest me best CC for my usage below - Mainly recharges, utilities, insurance premium, property tax and offline swipes.

[rawfiul]

Just made a spreadsheet customized to my spending, here are my observations:
1. SBI CASHBACK CC - As long as i can use the trick of buying amazon gift cards using sbi cashback card @ 5% the card is unbeatable. Im sure they will patch it soon. If they patch it, ill incur loss. Its almost funny how this ranks best and worst.
2. AIRTEL AXIS CC - I didnt find any info saying Airtel Axis CC will not give 1% cb for insurance, property tax or other spends so i assumed 10% for electricity and gas and 1% for every other spend (I might be wrong, please correct me). This card ranks 2nd.
3. AMAZON ICICI CC - LTF and still ranks better than AXIS ACE without prime membership. (According to data i found, ll get 2% on all bills, insurance and property tax paid via amazon pay portal and 1% on any other online/offline spends.
4. AXIS ACE - this cc told me to F**k off with my insurance and property tax payments. 5% for electricity, gas and mobile recharge and 2% for online and offline spends is good but still ranks worse than LTF Amazon ICICI.
5. IDFC 1st Wealth - The card i have, pretty bad cashbacks but ill thank this card for building some credit scores.

I request gurus to spend some time and go thru my observations and suggest best for my condition. Please correct me with the assumed cb % and suggest me other CCs which i might not be aware of.

My heart says i should just get icici amazon cc and be happy with whatever cb i get.

Payment options	Expenses	per month	annual	Amazon ICICI	Axis ACE	Airtel Axis	SBI Cashback with trick	SBI Cashback without trick	IDFC 1st Wealth
-	Online shopping	500​	6000​	180​	120​	60​	300​	300​	90​
apay, gpay, airtel	Electricity	1500​	18000​	360​	900​	1800​	900​	0​	270​
apay, gpay, airtel	Gas	350​	4200​	84​	210​	420​	210​	0​	63​
apay, gpay, airtel	Mobile recharge	630​	7560​	151.2​	378​	75.6​	378​	0​	113.4​
apay	Broadband	588​	7056​	141.12​	141.12​	70.56​	352.8​	0​	105.84​
apay, gpay, airtel	LIC Person 1	346​	4152​	83.04​	0​	41.52​	207.6​	0​	62.28​
apay, gpay, airtel	LIC Person 2	1970​	23640​	472.8​	0​	236.4​	1182​	0​	354.6​
apay, gpay	City 1 property tax	1590​	19080​	381.6​	0​	190.8​	954​	0​	286.2​
-	City 2 property tax	200​	2400​	24​	0​	24​	0​	0​	18​
-	Scooty insurance	100​	1200​	12​	0​	12​	0​	0​	3​
-	Offline meds	300​	3600​	36​	72​	36​	36​	36​	27​
-	Offline groceries	5000​	60000​	600​	1200​	600​	600​	600​	450​
	ANNUAL FEES	-	-	0​	-590​	-590​	-1178​	-1178​	-118​
	TOTAL		156888​	2525.76​	2431.12​	2976.88​	3942.4​	-242​	1725.32​

 

[helloworld]

Some what optimized way (in cashback category):

Airtel CC: 3600 (Bill payments through Airtel CC. 300 max. per month)
HSBC Cashback: 6000 - Offline Groceries (If they provide Grocery MCC)
ICIC APay CC: 500 (Other spends)

Annual Fee: 1770

Reward Rate: 5%

Note: Groceries are where you swipe your credit card, if its UPI then get BOB Snpadeal card (300 - annual fee - 1% on UPI)

Also, note: It depends on mobile network, broadband company, online shopping sites, grocery stores etc. general exclusions apply.

 

[AritraSaha]

Just made a spreadsheet customized to my spending, here are my observations:
1. SBI CASHBACK CC - As long as i can use the trick of buying amazon gift cards using sbi cashback card @ 5% the card is unbeatable. Im sure they will patch it soon. If they patch it, ill incur loss. Its almost funny how this ranks best and worst.
2. AIRTEL AXIS CC - I didnt find any info saying Airtel Axis CC will not give 1% cb for insurance, property tax or other spends so i assumed 10% for electricity and gas and 1% for every other spend (I might be wrong, please correct me). This card ranks 2nd.
3. AMAZON ICICI CC - LTF and still ranks better than AXIS ACE without prime membership. (According to data i found, ll get 2% on all bills, insurance and property tax paid via amazon pay portal and 1% on any other online/offline spends.
4. AXIS ACE - this cc told me to F**k off with my insurance and property tax payments. 5% for electricity, gas and mobile recharge and 2% for online and offline spends is good but still ranks worse than LTF Amazon ICICI.
5. IDFC 1st Wealth - The card i have, pretty bad cashbacks but ill thank this card for building some credit scores.

I request gurus to spend some time and go thru my observations and suggest best for my condition. Please correct me with the assumed cb % and suggest me other CCs which i might not be aware of.

My heart says i should just get icici amazon cc and be happy with whatever cb i get.

Payment options	Expenses	per month	annual	Amazon ICICI	Axis ACE	Airtel Axis	SBI Cashback with trick	SBI Cashback without trick	IDFC 1st Wealth
-	Online shopping	500​	6000​	180​	120​	60​	300​	300​	90​
apay, gpay, airtel	Electricity	1500​	18000​	360​	900​	1800​	900​	0​	270​
apay, gpay, airtel	Gas	350​	4200​	84​	210​	420​	210​	0​	63​
apay, gpay, airtel	Mobile recharge	630​	7560​	151.2​	378​	75.6​	378​	0​	113.4​
apay	Broadband	588​	7056​	141.12​	141.12​	70.56​	352.8​	0​	105.84​
apay, gpay, airtel	LIC Person 1	346​	4152​	83.04​	0​	41.52​	207.6​	0​	62.28​
apay, gpay, airtel	LIC Person 2	1970​	23640​	472.8​	0​	236.4​	1182​	0​	354.6​
apay, gpay	City 1 property tax	1590​	19080​	381.6​	0​	190.8​	954​	0​	286.2​
-	City 2 property tax	200​	2400​	24​	0​	24​	0​	0​	18​
-	Scooty insurance	100​	1200​	12​	0​	12​	0​	0​	3​
-	Offline meds	300​	3600​	36​	72​	36​	36​	36​	27​
-	Offline groceries	5000​	60000​	600​	1200​	600​	600​	600​	450​
	ANNUAL FEES	-	-	0​	-590​	-590​	-1178​	-1178​	-118​
	TOTAL		156888​	2525.76​	2431.12​	2976.88​	3942.4​	-242​	1725.32​

Your planning is excellent.( Hope i can do that)

1. Use a rupay cc for the upi payments.
2. Use hdfc dc or rbl dc for 1-2% cb on bill payment.

 

[vine]

Some what optimized way (in cashback category):

Airtel CC: 3600 (Bill payments through Airtel CC. 300 max. per month)
HSBC Cashback: 6000 - Offline Groceries (If they provide Grocery MCC)
ICIC APay CC: 500 (Other spends)

Annual Fee: 1770

Reward Rate: 5%

Note: Groceries are where you swipe your credit card, if its UPI then get BOB Snpadeal card (300 - annual fee - 1% on UPI)

Also, note: It depends on mobile network, broadband company, online shopping sites, grocery stores etc. general exclusions apply.

If overall rewards is anyway 5% , isn't using sbi cb card a simpler option.

 

[helloworld]

If overall rewards is anyway 5% , isn't using sbi cb card a simpler option.

SBI CB gives 1% in Utilities, Offline. It won't match the requirement and gives around 3%.

It all depends on categories we spend, choose card based on categories we spend.

 

[Hemang]

Just made a spreadsheet customized to my spending, here are my observations:
1. SBI CASHBACK CC - As long as i can use the trick of buying amazon gift cards using sbi cashback card @ 5% the card is unbeatable. Im sure they will patch it soon. If they patch it, ill incur loss. Its almost funny how this ranks best and worst.
2. AIRTEL AXIS CC - I didnt find any info saying Airtel Axis CC will not give 1% cb for insurance, property tax or other spends so i assumed 10% for electricity and gas and 1% for every other spend (I might be wrong, please correct me). This card ranks 2nd.
3. AMAZON ICICI CC - LTF and still ranks better than AXIS ACE without prime membership. (According to data i found, ll get 2% on all bills, insurance and property tax paid via amazon pay portal and 1% on any other online/offline spends.
4. AXIS ACE - this cc told me to F**k off with my insurance and property tax payments. 5% for electricity, gas and mobile recharge and 2% for online and offline spends is good but still ranks worse than LTF Amazon ICICI.
5. IDFC 1st Wealth - The card i have, pretty bad cashbacks but ill thank this card for building some credit scores.

I request gurus to spend some time and go thru my observations and suggest best for my condition. Please correct me with the assumed cb % and suggest me other CCs which i might not be aware of.

My heart says i should just get icici amazon cc and be happy with whatever cb i get.

Payment options	Expenses	per month	annual	Amazon ICICI	Axis ACE	Airtel Axis	SBI Cashback with trick	SBI Cashback without trick	IDFC 1st Wealth
-	Online shopping	500​	6000​	180​	120​	60​	300​	300​	90​
apay, gpay, airtel	Electricity	1500​	18000​	360​	900​	1800​	900​	0​	270​
apay, gpay, airtel	Gas	350​	4200​	84​	210​	420​	210​	0​	63​
apay, gpay, airtel	Mobile recharge	630​	7560​	151.2​	378​	75.6​	378​	0​	113.4​
apay	Broadband	588​	7056​	141.12​	141.12​	70.56​	352.8​	0​	105.84​
apay, gpay, airtel	LIC Person 1	346​	4152​	83.04​	0​	41.52​	207.6​	0​	62.28​
apay, gpay, airtel	LIC Person 2	1970​	23640​	472.8​	0​	236.4​	1182​	0​	354.6​
apay, gpay	City 1 property tax	1590​	19080​	381.6​	0​	190.8​	954​	0​	286.2​
-	City 2 property tax	200​	2400​	24​	0​	24​	0​	0​	18​
-	Scooty insurance	100​	1200​	12​	0​	12​	0​	0​	3​
-	Offline meds	300​	3600​	36​	72​	36​	36​	36​	27​
-	Offline groceries	5000​	60000​	600​	1200​	600​	600​	600​	450​
	ANNUAL FEES	-	-	0​	-590​	-590​	-1178​	-1178​	-118​
	TOTAL		156888​	2525.76​	2431.12​	2976.88​	3942.4​	-242​	1725.32​

fir konsa card ghisa bhai ache se ?