What card should i get now ?

[Vicky99]

As of now holding:

AXIS Flipkart LTF
Sbi simplyclick paid
Rbl safari LTF
Hdfc millennia LTF
Idfc classic
AU xcite ace
BoB premier LTF
One card
Indusind legend LTF
ICICI coral LTF.
ICICI mmt
ICICI APay

Now what should be my approach should i avoid or apply SC , HSBC , Yes Bank, Kotak, Federal . If yes please suggest the card varient of that bank preferably LTF and easy to get .

 

[coolguy1]

And as of now i don't think i can get amex LTF

Amex doesn't offer LTF cards but the benefits they get will be worth more than the renewal fees.

Let's take the MRCC, you get 2000 bonus MR points on joining, and the first-year fees is zero. So, you're already in green.
The second year's fee is 1500 but can be negotiated and most people get 50% off so that's 750.

Even if you spend 6k per month on the card, you get 12,000 MR points roughly equal to ~₹6000(or more).
If you spend 20k monthly, you get 24,000 MR points ~₹12,000!

And all of these are bonus MR points, your purchases will yield you additional points based on what and where you buy.

Now, would you prefer an LTF card that saves you ₹1000 every year or pay ₹750 yearly to save ₹6000 and more in a year?