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Suggest me some overall credit cards to have in 2024

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hello TF family,
can u all suggest few cards which are useful in 2024, thought i know CC preference varies person to person. But for a average person whose spends with Credit cards would be between 4-8lap, which involves
online shopping & groceries,
food(swiggy/Zomato/occasional dinning),
movies(1or2/month),
Tavell(2to5via rail,3to4via flight),
utility(electricity 3.5k/month,gas,petrol20lt/month),
education fee,
few offline(8-15k/month)
rent(≥15k)etc.
currently i have ltf sbi simply click,icici Apay&sapphiro,kotak 811 CC&virtual rupay(one&nd only for upi) & axis fk(paid).
would welcome all ur suggestions even paid card and might close few if need depending on ur suggestions.
thank you.
 
Last edited:
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Get amex platinum travel if you have use of marriott bonvoy points.
Get tata neu infinity for upi spends
And
 
Axis Privilege
HDFC Tata Neu
Any AMEX except the charge card
Any IDFC which is LTF
Indusind Legend LTF for Select account
Onecard
 
viswanath.t said:
hello TF family,
can u all suggest few cards which are useful in 2024, thought i know CC preference varies person to person. But for a average person whose spends with Credit cards would be between 4-8lap, which involves
online shopping & groceries,
food(swiggy/Zomato/occasional dinning),
movies(1or2/month),
Tavell(2to5via rail,3to4via flight),
utility(electricity 3.5k/month,gas,petrol20lt/month),
education fee,
few offline(8-15k/month)
rent(≥15k)etc.
currently i have ltf sbi simply click,icici Apay&sapphiro,kotak 811 CC&virtual rupay(one&nd only for upi) & axis fk(paid).
would welcome all ur suggestions even paid card and might close few if need depending on ur suggestions.
thank you.
Click to expand...
Get
1- Hdfc Millniea for cashback card but try sbi cashback card first ( would cover all online shopping)
2- utility & education fees - try Idfc Wealth .
3- for offline u have apay .

Or with caution.
- get axis atlas ..best offline spends reward and would cater your travel too. Since u have Flipkart u can get without cibil hit with same limit


Kotak Myntra for 10% occassional discount on Flipkart ..
7.5% always on myntra
& Unlimited 1.25% on upi spends over 2000 rs transaction ..


Hdfc swiggy u can take as floater with hdfc Millniea good mastercard benefits.


If you don't want axis atlas get Amex travel..

& Then with axis get. Previlgae paid 1.7k fees & 5k voucher on joining .

Then take iocl axis too as 3rd card .. if u have previlgae fuel spends give 8% .. else iocl gives 4% .
 
Also if you want to churn for some free money and then cancel, then also get Axis Samsung Infinite. You will get 30000 points which you will redeem with the multi brand vouchers on Axis Privilege which will be a value of 12000 inr. The joining fees is 5000 so profit is 7k.
 
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Bhai bhai bhai
OverdosingOnCopium said:
Also if you want to churn for some free money and then cancel, also get the Axis Select card and cancel after getting points. Then also get Axis Samsung Infinite. You will get 30000 points which you will redeem with the multi brand vouchers on Axis Privilege which will be a value of 12000 inr. The joining fees is 5000 so profit is 7k.
Click to expand...
 
DocFixIt said:
Get
1- Hdfc Millniea for cashback card but try sbi cashback card first ( would cover all online shopping)
2- utility & education fees - try Idfc Wealth .
3- for offline u have apay .

Or with caution.
- get axis atlas ..best offline spends reward and would cater your travel too. Since u have Flipkart u can get without cibil hit with same limit


Kotak Myntra for 10% occassional discount on Flipkart ..
7.5% always on myntra
& Unlimited 1.25% on upi spends over 2000 rs transaction ..


Hdfc swiggy u can take as floater with hdfc Millniea good mastercard benefits.


If you don't want axis atlas get Amex travel..

& Then with axis get. Previlgae paid 1.7k fees & 5k voucher on joining .

Then take iocl axis too as 3rd card .. if u have previlgae fuel spends give 8% .. else iocl gives 4% .
Click to expand...
Hdfc has rejected 3months back, my only rejection till date, will try after 6months.
your suggestions cover all my spends , thank you looking forward
 
viswanath.t said:
it is 2.5l
Click to expand...
Okie call Axis Bank customer care...
Ask for axis previlgae credit card - 1.7k joining fees -12.5k fees

Then on same call or cut the call .. ask for 3rd card - samsung infinite 5.9k fees 30k joining benefits.
Once u get joining benefits ( do 3 transaction & point will get credited within 30 days of 3rd transaction) ..

Then after that cancel samsung infinite & get iocl for fuel spends ( it even works via upi so no surcharge ) with previlgae u will have 8% valueback .

Previlgae card= multi-brand voucher ( Myntra, shopper's stop , apollo etx ..
2* value than other axis voucher.


For 7.8 k fees u will get 17 k voucher with samsung infinite & previlgae .



Meanwhile try for sbi cashback card online application.
 
DocFixIt said:
Okie call Axis Bank customer care...
Ask for axis previlgae credit card - 1.7k joining fees -12.5k fees

Then on same call or cut the call .. ask for 3rd card - samsung infinite 5.9k fees 30k joining benefits.
Once u get joining benefits ( do 3 transaction & point will get credited within 30 days of 3rd transaction) ..

Then after that cancel samsung infinite & get iocl for fuel spends ( it even works via upi so no surcharge ) with previlgae u will have 8% valueback .

Previlgae card= multi-brand voucher ( Myntra, shopper's stop , apollo etx ..
2* value than other axis voucher.


For 7.8 k fees u will get 17 k voucher with samsung infinite & previlgae .



Meanwhile try for sbi cashback card online application.
Click to expand...
will this trick work! will they offer two cards at once? & right now both privilege and Samsung infinite are available pre approved to me. so what will b process to bo?
 
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as for util needs tata neu infinity is best but still axis ace is quite good overall though the con its capped 500pm
For zomato or swiggy ive seen au cards much trendy there
check personally which cards offers max dicounts and get that
For your feul needs, ik a card that gives 10% cashback on fuel capped 250pm
Assuming u need 20L petrol ~ 2120 inr as per today you'll save 212 pm

Bajaj Finserv Platinum ValuePlus SuperCard -Enjoy Power of Four Cards in One | RBL Bank

Platinum ValuPlus SuperCard is a Valuable offer. Get fuel surcharge waiver, gift vouchers on shopping, spend based waiver & more. Apply today!
www.rblbank.com www.rblbank.com
 
viswanath.t said:
will this trick work! will they offer two cards at once? & right now both privilege and Samsung infinite are available pre approved to me. so what will b process to bo?
Click to expand...
Just call customer care rn .
& Say exactly this ..


- you can see pre approved offer for samsung infinte you want to take it ( confirm its 5.9 k fees one & not normal Samsung card ..).
U will get sms link give consent & u will see the card reflecting in app in mintues..


Then cut the call & call again

This time say u want to get axis previlgae card & ask them to check ( 100% they will say u can get it ) then same consent & sms will follow ) ..
If u get any hiccups ( which I don't think there will be ) u can text



Or if u can clearly see Samsung infinte card with 5900 fees one as pre approved get the card via app first & call for previlgae..
 
You will be bombarded with too many suggestions, with overwhelming options you may not be able to choose the right things.

Just go with no nonsense CB cards. Don't fall for Amex milestones etc, if you have the below 4, you don't need them.

1. SBI CB card - 5% online. If any online PG has APAY wallet , you can use this for edu fees utilities etc.
2. Tata Neu Inifinity - UPI and offline at 1.5%
3. Axis ACE - utility and offline 2%
4. IDFC Wealth - 1.5% for first 30K online spends, 2.5% later on. Rewards Edu fee, govt. transactions too. BOGO.


Forget rent. It's bygone now.
 
techt said:
You will be bombarded with too many suggestions, with overwhelming options you may not be able to choose the right things.

Just go with no nonsense CB cards. Don't fall for Amex milestones etc, if you have the below 4, you don't need them.

1. SBI CB card - 5% online. If any online PG has APAY wallet , you can use this for edu fees utilities etc.
2. Tata Neu Inifinity - UPI and offline at 1.5%
3. Axis ACE - utility and offline 2%
4. IDFC Wealth - 1.5% for first 30K online spends, 2.5% later on. Rewards Edu fee, govt. transactions too. BOGO.


Forget rent. It's bygone now.
Click to expand...
Lobe for golf ⛳
 
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