Suggestions for next Credit Cards

[Ayushpaul7]

Hi,

My first Credit Card was Amazon pay ICICI.
I am using it for 3 years now and currently have a limit of 4.6L.
I got a Axis Ace recently to pay my Utility Bills.
Please Suggest which credit card should I go for next?

Spends Category - Online,Movie and Dining ( Not much Travel)
Credit Score -785

Having Bank Accounts in HDFC ( Classic Customer) and SBI.

P.S. - I would like to have a Rupay Card for UPI transactions. Please Suggest if that would make sense?

 

[SSV]

Hi,

My first Credit Card was Amazon pay ICICI.
I am using it for 3 years now and currently have a limit of 4.6L.
I got a Axis Ace recently to pay my Utility Bills.
Please Suggest which credit card should I go for next?

Spends Category - Online,Movie and Dining ( Not much Travel)
Credit Score -785

Having Bank Accounts in HDFC ( Classic Customer) and SBI.

P.S. - I would like to have a Rupay Card for UPI transactions. Please Suggest if that would make sense?

Get the SBI Cashback card first, for your online spends

 

[sousnake]

I can suggest 3 cards
1. Hdfc millennia - you should be able to get LTF as you have classic account for online spends
2. IDFC Select or wealth - apply C2C with your 4.6l limit card. That would give 1+1 offers. It is also LTF
3. Hdfc tata neu rupay for UPI

 

[Ayushpaul7]

I can suggest 3 cards
1. Hdfc millennia - you should be able to get LTF as you have classic account for online spends
2. IDFC Select or wealth - apply C2C with your 4.6l limit card. That would give 1+1 offers. It is also LTF
3. Hdfc tata neu rupay for UPI

Thanks , Between Sbi Cashback and Millennia, should I go for Millennia if Ltf is offered?

 

[sousnake]

Thanks , Between Sbi Cashback and Millennia, should I go for Millennia if Ltf is offered?

If lft then I would prefer hdfc millennia else you can got for cashback.
I would still choose hdfc one over sbi even if both are paid.

 

[SSV]

Thanks , Between Sbi Cashback and Millennia, should I go for Millennia if Ltf is offered?

If offered LTF, then Millennia ..
No harm in having SBI CB card also.. It will become LTF after one year if you spend enough, like 2 to 3 lakhs ..

SBI CB card is good when you have miscellaneous online spends where no card gives you 5% back.. that is where it is more useful...

 

[coolguy1]

HDFC Tata Neu Infinity - For UPI
SBI Cashback - 5% cashback on all online spends
Amex MRCC - 1k+ MR points back on 6k spends(can be used for Utility and Online)

 

[cryoengine]

As others have suggested, go for SBI cashback. Apply on SBI spirit and if you are lucky, you may get instant approval. Apply from a laptop or PC and keep a portrait photo of you ready to upload at the end.

 

[plastikman]

Hi,

My first Credit Card was Amazon pay ICICI.
I am using it for 3 years now and currently have a limit of 4.6L.
I got a Axis Ace recently to pay my Utility Bills.
Please Suggest which credit card should I go for next?

Spends Category - Online,Movie and Dining ( Not much Travel)
Credit Score -785

Having Bank Accounts in HDFC ( Classic Customer) and SBI.

P.S. - I would like to have a Rupay Card for UPI transactions. Please Suggest if that would make sense?

Want my referral for Amex Smartearn ? It'll serve your needs well 😉

 

[Ayushpaul7]

If offered LTF, then Millennia ..
No harm in having SBI CB card also.. It will become LTF after one year if you spend enough, like 2 to 3 lakhs ..

SBI CB card is good when you have miscellaneous online spends where no card gives you 5% back.. that is where it is more useful...

Okay got it.Thanks. Will try for Millennia first then.

 

[Ayushpaul7]

HDFC Tata Neu Infinity - For UPI
SBI Cashback - 5% cashback on all online spends
Amex MRCC - 1k+ MR points back on 6k spends(can be used for Utility and Online)

Amex MRCC has high annual fees right?

 

[coolguy1]

Amex MRCC has high annual fees right?

The first year is free if you apply from the link in my signature.
After you apply, I'll share some tricks to make your second and third year free as well. 🙂.

 

[Ayushpaul7]

Update :
1) Tried to apply for HDFC Millennia and it was showing Moneyback or something, didn't go through with the application. I have some old mails 3-4 months back that is showing "Apply for Lifetime Free Millennia" in my mailbox , but clicking on them redirects me to the same site. Any help on how to proceed with this?
2) There is an offer for Tata Neu Plus FYF on the Neu app, should I wait for Infinity to show up? Just downloaded the app, will mainly use Big basket among the apps it provides.

Suggestions are Welcome. Thanks in Advance 🙂

 

[SSV]

Update :
1) Tried to apply for HDFC Millennia and it was showing Moneyback or something, didn't go through with the application. I have some old mails 3-4 months back that is showing "Apply for Lifetime Free Millennia" in my mailbox , but clicking on them redirects me to the same site. Any help on how to proceed with this?
2) There is an offer for Tata Neu Plus FYF on the Neu app, should I wait for Infinity to show up? Just downloaded the app, will mainly use Big basket among the apps it provides.

Suggestions are Welcome. Thanks in Advance 🙂

Just go for SBI CB card to start with

 

[SSV]

Update :
1) Tried to apply for HDFC Millennia and it was showing Moneyback or something, didn't go through with the application. I have some old mails 3-4 months back that is showing "Apply for Lifetime Free Millennia" in my mailbox , but clicking on them redirects me to the same site. Any help on how to proceed with this?
2) There is an offer for Tata Neu Plus FYF on the Neu app, should I wait for Infinity to show up? Just downloaded the app, will mainly use Big basket among the apps it provides.

Suggestions are Welcome. Thanks in Advance 🙂

1) means, you don't have Millennia offer now, need to wait for it
2) don't apply for co branded card as your first card

 

[Ayushpaul7]

Okay then SBI it is 😅

 

[Ayushpaul7]

Will wait till they give Millenia LTF ,then apply I guess

 

[SSV]

Will wait till they give Millenia LTF ,then apply I guess

Smart boy ..

 

[jk51]

Hi,

My first Credit Card was Amazon pay ICICI.
I am using it for 3 years now and currently have a limit of 4.6L.
I got a Axis Ace recently to pay my Utility Bills.
Please Suggest which credit card should I go for next?

Spends Category - Online,Movie and Dining ( Not much Travel)
Credit Score -785

Having Bank Accounts in HDFC ( Classic Customer) and SBI.

P.S. - I would like to have a Rupay Card for UPI transactions. Please Suggest if that would make sense?

UPI - HDFC Tata Neu Infinity

Online - SBI Cashback (1st preference),
HDFC Millenia

Movie - Indusind EazyDiner, RBL Play, Kotak PVR Platinum

Dining - Indusind EazyDiner (tier 1 & 2 city), AU Zenith