Suggestion for new credit card

[Abhishek922]

Hi all,
My transactions include(Monthly) :
15-20k grocery(mostly bigbasket) - Tata Neu Infinity, Paid Card
10-15k offline UPI - Tata Neu
~6k online shopping(mostly amazon, prime member) - APay ICICI LTF
4k Electricity - Bank Upi (Through NoBrokerhood App, CC charges are 1+ gst)
~4k Maintainence - Tata Neu Infinity
~2k Internet/Utility - Axis Airtel Paid (85 k limit)


30k Insurance payment yearly. - Bank Upi (CC charges are present)
~50k Travel yearly to domestic places - Regalia Gold LTF

Regalia Gold LTF limit 4 lakh shared with tata neu.
Hold Sapphiro LTF, limit 8.7 lakh shared with APay ICICI.


Pls suggest a better card to maximise returns?
ITR is ~40 lpa after tax. CIBIL ~ 801
I do not mind paid card but there should be some benefit for the fee.
Thanks

 

[Anindya98]

4k Electricity - Bank Upi (Through NoBrokerhood App, CC charges are 1+ gst)

Use Axis Ace for 5% CB

30k Insurance payment yearly.Bank Upi (CC charges are present)

Which portal are you using for Insurance & your insurance provider?

Pls suggest a better card to maximise returns?

Your Annual Spend is around 7L Per Annum
Take Axis Ace for Electricity, SBI Cashback for all online Spends except a few mentioned categories for 5% CB.
Also, share which category you want to get the maximum return from any new card.

 

[karuturi24]

Apply HSBC cashback card (now it's live+)
You will get 10% cashback upto 1000 on big basket + 5% in the form of tata nue coins if you order via tata nue app.

 

[Abhishek922]

Use Axis Ace for 5% CB

Which portal are you using for Insurance & your insurance provider?

Your Annual Spend is around 7L Per Annum
Take Axis Ace for Electricity, SBI Cashback for all online Spends except a few mentioned categories for 5% CB.
Also, share which category you want to get the maximum return from any new card.

I tried for axis ace, didn't get anything from gpay app, so not sure how to get it, any ideas here?
also will sbi cashback be applicable for tata neu bigbasket?

Insurance is of United Insurance, via corporate route. so little to no chances of it changing.

I want a card to have better returns on overall purchase, currently the best I get is 1.5% via upi, and after Tata Neu condition change, it limits the payment option.
Buying grocery can be done through GVs so no issues there.
Online shopping is also limited to 5%.

Any idea if getting a super premium card would help in this?

 

[Abhishek922]

Apply HSBC cashback card (now it's live+)
You will get 10% cashback upto 1000 on big basket + 5% in the form of tata nue coins if you order via tata nue app.

grocery is small part of overall expense, so it doesn't work for me. I dont want a specific card, it can be covered via GVs as well.

 

[Anindya98]

I tried for axis ace, didn't get anything from gpay app, so not sure how to get it, any ideas here?

Call the CC and ask them to issue Axis Ace or apply via Axis Website or App under the apply section.

also will sbi cashback be applicable for tata neu bigbasket?

Yes, it's applicable for 5% CB

Insurance is of United Insurance, via corporate route. so little to no chances of it changing.

Check with Axis Ace if the charges are getting neutral with the 1.5% CB

I want a card to have better returns on overall purchase, currently the best I get is 1.5% via upi, and after Tata Neu condition change, it limits the payment option.
Buying grocery can be done through GVs so no issues there.
Online shopping is also limited to 5%.

For Upi returns using CC

UPI Credit Card Reward Rates Compilation

Creating a compilation of reward rate of most UPI Cards available . Please collaborate and make it comprehensive Card Name Reward Rate Min Spend Max Rewards Comments Unique HDFC Tata Neu Infinity 1.5% Rs 33 500 Neu coins /month Neu coins to be used via TATA NEU app and Westside...

www.technofino.in

Any idea if getting a super premium card would help in this?

Yes, try to get Infinia for higher returns.

 

[Abhishek922]

Call the CC and ask them to issue Axis Ace or apply via Axis Website or App under the apply section.

Yes, it's applicable for 5% CB

Check with Axis Ace if the charges are getting neutral with the 1.5% CB

For Upi returns using CC

UPI Credit Card Reward Rates Compilation

Creating a compilation of reward rate of most UPI Cards available . Please collaborate and make it comprehensive Card Name Reward Rate Min Spend Max Rewards Comments Unique HDFC Tata Neu Infinity 1.5% Rs 33 500 Neu coins /month Neu coins to be used via TATA NEU app and Westside...

www.technofino.in

Yes, try to get Infinia for higher returns.

Trying for Infinia but HDFC is declining it, I have being given LE option based on ITR of additional 599000
Are there any chances of upgrade?

 

[Anindya98]

Trying for Infinia but HDFC is declining it, I have being given LE option based on ITR of additional 599000
Are there any chances of upgrade?

Yes, get the LE & your current HDFC Limit?

 

[Anindya98]

Are there any chances of upgrade?

Yes based on your ITR you can get it.
Also, ask them for Dinners Club

 

[Animesh67]

Trying for Infinia but HDFC is declining it, I have being given LE option based on ITR of additional 599000
Are there any chances of upgrade?

Yes, get the LE HDFC is very pathetic in giving LE.
Get the Dinners Club and spend around 2L-3L in 3 months and ask them for Infinia updrage

 

[Abhishek922]

Yes, get the LE & your current HDFC Limit?

Currently its 4 lakhs

Yes, get the LE HDFC is very pathetic in giving LE.
Get the Dinners Club and spend around 2L-3L in 3 months and ask them for Infinia updrage

I will mail them for it. Since Regalia Gold is LTF, will see if I can get atleast Diners Club LTF.

 

[Anindya98]

Currently its 4 lakhs

I will mail them for it. Since Regalia Gold is LTF, will see if I can get atleast Diners Club LTF.

Yes, also get the LE with that.

 

[Abhishek922]

@Anindya98 I tried for SBI cashback but the application got rejected citing internal policy. Not sure of the reason, any ideas here. Pincode is of Noida.

 

[Anindya98]

@Anindya98 I tried for SBI cashback but the application got rejected citing internal policy. Not sure of the reason, any ideas here. Pincode is of Noida.

Pincode will not be an issue in case of SBI. But SBI is very picky while issuing CB card. My first card from SBI was the CB card in Sept 23, and I applied for SBI card for the 1st time it was accepted at the time of application without any documents.
Do, you hold any account in SBI?

 

[Abhishek922]

I have an account and home loan for same address.
Though the account has different address in it than the one I provided while filling form

 

[Anindya98]

I have an account and home loan for same address.

Then they should have given you the card as you already have a relationship with them.

Though the account has different address in it than the one I provided while filling form

That shouldn't be an issue. Kindly share your last month overall usage and recently any new cibil enquiry or rejection?

 

[Abhishek922]

Last enquiry happened in January, to get sapphiro card. Cibil shows Overall usage is 1% as of 8th June.
Last week closed moneyback from hdfc, could that be a reason?

I have mailed customercare@sbicard.com for proper reason.

 

[Anindya98]

Last enquiry happened in January, to get sapphiro card. Cibil shows Overall usage is 1% as of 8th June.

Great

Last week closed moneyback from hdfc, could that be a reason?

Was this your oldest card?

I have mailed customercare@sbicard.com for proper reason.

They will give the same reply Internal Bank Policy

 

[Anindya98]

Last enquiry happened in January, to get sapphiro card. Cibil shows Overall usage is 1% as of 8th June.
Last week closed moneyback from hdfc, could that be a reason?

I have mailed customercare@sbicard.com for proper reason.

I suggest you wait for 3 months and apply via offline Mode C2C with the highest limit card and ITR
or you can apply simply save and then get the CB card

 

[girish3456]

Hi all,
My transactions include(Monthly) :
15-20k grocery(mostly bigbasket) - Tata Neu Infinity, Paid Card
10-15k offline UPI - Tata Neu
~6k online shopping(mostly amazon, prime member) - APay ICICI LTF
4k Electricity - Bank Upi (Through NoBrokerhood App, CC charges are 1+ gst)
~4k Maintainence - Tata Neu Infinity
~2k Internet/Utility - Axis Airtel Paid (85 k limit)


30k Insurance payment yearly. - Bank Upi (CC charges are present)
~50k Travel yearly to domestic places - Regalia Gold LTF

Regalia Gold LTF limit 4 lakh shared with tata neu.
Hold Sapphiro LTF, limit 8.7 lakh shared with APay ICICI.


Pls suggest a better card to maximise returns?
ITR is ~40 lpa after tax. CIBIL ~ 801
I do not mind paid card but there should be some benefit for the fee.
Thanks

Apply for HDFC Infinia or DCB