Suggestions to improve/simplify my collection

[Ensure7214]

Background: Software Engineer with Amazon (~1.5L per month salary).

Bank Accounts:
1. HDFC Imperia (First account)
2. ICICI Wealth
3. IDFC Wealth (using for salary)

Current Cards:
1. HDFC Millenia - LTF - 6.5L
2. HDFC Swiggy - LTF - 6.5L
3. IDFC Select - LTF - 3.0L
4. ICICI Amazon - LTF - 5.5L
5. ICICI Sapphiro - LTF - 5.5L
6. Airtel Axis - 500 - 8.5L
7. ICICI Emeralde Metal - Add on 😀


Spends:
~1L per month amortised.

Usage:
* Using Amazon Pay for all amazon spends
* Using Swiggy for ordering food and groceries
* Using airtel axis for 1200 per month wifi payment and get the monthly 250 back. That's it.
* Recent got emeralde add on and using it for lounge

Needs:
1. I feel like i have too many cards, really want to simplify them, any suggestions?
2. Want Regalia gold LTF as back up lounge card as i don't trust icici but RM is useless and website shows only FYF offer. Any way to get it for ltf?
3. The gap i feel is a fuel card and upi card. I'm okay to use amazon pay for upi if there's a way to load money in it with my cards with a discount also open to any LTF rupay cards.

Note: I usually only prefer LTF cards. Airtel Axis is the only exception bcoz it's a no-brainer saving card for me.

 

[vine]

Based on your own comments, I don't see any use of ICICI sapphiro and IDFC select. Close them if you want to.

Approach another hdfc branch or any branch near your office, they may help for Regalia Gold. Should be easy for your salary. After you have taken RGold. Take Tata Neu Infinity.
How much are UPI spends? If it's a lot, try Tata Neu Infinity

How much are fuel spends?
Depending on nearest petrol bunk or your preference, choose one of the fuel cards, or choose a CC which allows fuel txn in milestones.

Btw, what is amortised?

 

[Anindya98]

Upgrade your IDFC Select to the Wealth Credit Card based on your Wealth Account Status and you also satisfy the 3L limit on Select CC.
Yes Kiwi Card for all your Upi Spends 2% directly into your bank account.
Upgrade your Millenia LTF to Regalia Gold LTF also push for DCB if you want Infinia in the future.
Add SBI CB for all online spending with a flat 5% return on most of your online spending.

Background: Software Engineer with Amazon (~1.5L per month salary).

Bank Accounts:
1. HDFC Imperia (First account)
2. ICICI Wealth
3. IDFC Wealth (using for salary)

Current Cards:
1. HDFC Millenia - LTF - 6.5L
2. HDFC Swiggy - LTF - 6.5L
3. IDFC Select - LTF - 3.0L
4. ICICI Amazon - LTF - 5.5L
5. ICICI Sapphiro - LTF - 5.5L
6. Airtel Axis - 500 - 8.5L
7. ICICI Emeralde Metal - Add on 😀


Spends:
~1L per month amortised.

Usage:
* Using Amazon Pay for all amazon spends
* Using Swiggy for ordering food and groceries
* Using airtel axis for 1200 per month wifi payment and get the monthly 250 back. That's it.
* Recent got emeralde add on and using it for lounge

Needs:
1. I feel like i have too many cards, really want to simplify them, any suggestions?
2. Want Regalia gold LTF as back up lounge card as i don't trust icici but RM is useless and website shows only FYF offer. Any way to get it for ltf?
3. The gap i feel is a fuel card and upi card. I'm okay to use amazon pay for upi if there's a way to load money in it with my cards with a discount also open to any LTF rupay cards.

Note: I usually only prefer LTF cards. Airtel Axis is the only exception bcoz it's a no-brainer saving card for me.

 

[Anindya98]

IDFC Wealth (using for salary)

How to get a Wealth Salary Account in IDFC?
I asked the Branch they said 5L PM Salary
@Ensure7214 Can you suggest how to open the account?
Same Salary as yours and Central Government Employee

 

[Ensure7214]

@Anindya98
Website doesn't show a LTF option for RG upgrade. Only FYF and RM said the same. Any tricks to get RG LTF?
Do not want SBI Card as i don't see it adding any value, same with upgrading to wealth cc.
I got wealth account by moving 10L there for once my RM helped with this. I opened a normal account first btw.

 

[rimtesh]

Upgrade your IDFC Select to the Wealth Credit Card based on your Wealth Account Status and you also satisfy the 3L limit on Select CC.
Yes Kiwi Card for all your Upi Spends 2% directly into your bank account.
Upgrade your Millenia LTF to Regalia Gold LTF also push for DCB if you want Infinia in the future.
Add SBI CB for all online spending with a flat 5% return on most of your online spending.

kiwi card can be used on any upi app?

 

[Anindya98]

kiwi card can be used on any upi app?

Yes, but you will not get 2% CB other than the Kiwi app.
The Kiwi app is great, you can use it and the best part is we can directly redeem Kiwis into our Bank Account.
4 Kiwi = Re 1 Conversion

 

[Anindya98]

@Anindya98
Website doesn't show a LTF option for RG upgrade. Only FYF and RM said the same. Any tricks to get RG LTF?

With a 1.5L per month Salary or 18L ITR also if you use your HDFC account regularly and keep 3-4L for 3 to 4 months might trigger LTF offers.

Do not want SBI Card as i don't see it adding any value, same with upgrading to wealth cc.

When you have the option to upgrade, I think you should take it. It is LTF and has some additional benefits.

I got wealth account by moving 10L there for once my RM helped with this. I opened a normal account first btw.

Thanks

 

[rimtesh]

Yes, but you will not get 2% CB other than the Kiwi app.
The Kiwi app is great, you can use it and the best part is we can directly redeem Kiwis into our Bank Account.
4 Kiwi = Re 1 Conversion

upi id can be customized ?
what about the app fluidity ? I really hate the slow and sluggish apps including but not limited to axis, sbi cards and indusind indie

 

[Anindya98]

upi id can be customized ?

No

what about the app fluidity ?

The app is fluid and sometimes it glitches out and shows zero Kiwis but after some time everything is normal.

I really hate the slow and sluggish apps including but not limited to axis, sbi cards and indusind indie

I have been using the app for almost 3 months spent around 1L using the scan and pay and never faced payment failure or anything like you mentioned. You can add other bank apps and use them for UPI transactions and earn rewards. But for 2% you have to use the Yes Kiwi card with a Neon Subscription.

 

[rimtesh]

No

oops
wont be applying then