Want to restructure my credit card portfolio

[BK7]

Currently I am holding ICICI Coral, Amex MRCC, Axis Myzone, AU LIT, HSBC Platinum

I need your suggestion based on my spends

 

[drsel]

Axis Airtel
SBI cashback
Axis Atlas
HSBC Live Plus

 

[shu_sha]

Spend pattern to batao guru apna pahle

 

[BK7]

Monthly expenses​

• Amazon Pay: using monthly for mobile and electricity payments getting through Apay giftcards worth 6000 monthly, but yesterday got email that 0.75% connivence applicable for Amex cards.
• Amazon Shopping: 1000 rupees per month
• Swiggy / Zomato: 1500-2000 per month
• BigBasket / Blinkit: 5000
• Grocery / Supermarkets 3000
• Apparel / Departmental Stores 1000
• Dining -1000
• Fuel -2000
• Other Offline Spends - depends on need
• Insurance - yearly once around 60K for bike, health, car.

Any cards focused on Airmiles or Amex points (like LTF valid) ?

 

[drsel]

Monthly expenses​

• Amazon Pay: using monthly for mobile and electricity payments getting through Apay giftcards worth 6000 monthly, but yesterday got email that 0.75% connivence applicable for Amex cards.
• Amazon Shopping: 1000 rupees per month
• Swiggy / Zomato: 1500-2000 per month
• BigBasket / Blinkit: 5000
• Grocery / Supermarkets 3000
• Apparel / Departmental Stores 1000
• Dining -1000
• Fuel -2000
• Other Offline Spends - depends on need
• Insurance - yearly once around 60K for bike, health, car.

Any cards focused on Airmiles or Amex points (like LTF valid) ?

Thread 'Top 10 cards for 2025' https://www.technofino.in/community/threads/top-10-cards-for-2025.34831/

 

[Credit_Cards]

Monthly expenses​

• Amazon Pay: using monthly for mobile and electricity payments getting through Apay giftcards worth 6000 monthly, but yesterday got email that 0.75% connivence applicable for Amex cards.
• Amazon Shopping: 1000 rupees per month
• Swiggy / Zomato: 1500-2000 per month
• BigBasket / Blinkit: 5000
• Grocery / Supermarkets 3000
• Apparel / Departmental Stores 1000
• Dining -1000
• Fuel -2000
• Other Offline Spends - depends on need
• Insurance - yearly once around 60K for bike, health, car.

Any cards focused on Airmiles or Amex points (like LTF valid) ?

Amazon ICICI CC - Amazon Spends primarily but is a versatile CC

RBL/IDFC/SBI Fuel CC - Fuel Spends

Continue with Amex for buying Amazon voucher also try getting SBI CB for Amazon voucher and any other spend a no brainier Cashback king.

Apparel / Departmental store - Au Lit continue to use it.

Insurance - Use Amazon Pay Balance a no brainier solution

Get Airtel Axis for Utilities and Swiggy/Zomato/BigBasket etc

Offline : There are many possibilities how about exploring Atlas ?

 

[BK7]

Amazon ICICI CC - Amazon Spends primarily but is a versatile CC

RBL/IDFC/SBI Fuel CC - Fuel Spends

Continue with Amex for buying Amazon voucher also try getting SBI CB for Amazon voucher and any other spend a no brainier Cashback king.

Apparel / Departmental store - Au Lit continue to use it.

Insurance - Use Amazon Pay Balance a no brainier solution

Get Airtel Axis for Utilities and Swiggy/Zomato/BigBasket etc

Offline : There are many possibilities how about exploring Atlas ?

Atlas really worth for my transactions ? which is under 5LPA. Star health sadly can't pay through Amazon.

 

[Credit_Cards]

Atlas really worth for my transactions ? which is under 5LPA. Star health sadly can't pay through Amazon.

Atlas is most rewarding with Milestones still its decently rewarding card !!

 

[BK7]

I have calculated my spending pattern which do not exceed 2L without Insurance and fuel payments, Atlas comes with terms and conditions for minimum milestone benefit right ?