Which card to use for which purchase for maximum savings

[chicako]

I have multiple credit cards within my family, I was wondering if I could get some help with which card to use for which kind of transaction to get maximum benefit.
Any help is appreciate.
So, here's the list of the credit cards:



PS: Should I apply for Axis ACE or Airtel Axis for utility payment, I don't have any airtel sim/broadband in my family but I am willing to port all 3 sim cards.

 

[Anupama_Jha]

I have multiple credit cards within my family, I was wondering if I could get some help with which card to use for which kind of transaction to get maximum benefit.
Any help is appreciate.
So, here's the list of the credit cards:

View attachment 75463

PS: Should I apply for Axis ACE or Airtel Axis for utility payment, I don't have any airtel sim/broadband in my family but I am willing to port all 3 sim cards.

Yeah, ACE or Airtel are best utility cards there

 

[Anupama_Jha]

Amazon Pay ICICI for Amazon spends
Flipkart Axis for Flipkart Shopping
Kotak Myntra for Myntra spends
SBI BPCL octane for fuel spends

Rest all are just for instant sales discount

 

[chicako]

Any suggestions for a rupay card to get cashback on upi?

Amazon Pay ICICI for Amazon spends
Flipkart Axis for Flipkart Shopping
Kotak Myntra for Myntra spends
SBI BPCL octane for fuel spends

Rest all are just for instant sales discount

 

[avikrish]

I have multiple credit cards within my family, I was wondering if I could get some help with which card to use for which kind of transaction to get maximum benefit.
Any help is appreciate.
So, here's the list of the credit cards:

View attachment 75463

PS: Should I apply for Axis ACE or Airtel Axis for utility payment, I don't have any airtel sim/broadband in my family but I am willing to port all 3 sim cards.

Amazon icici for Amazon purchases.
BPCL OCTANE for petrol and use reward points to buy Amazon prime voucher and left over points use for fuel itself in selected BPCL fuel stations
Axis Flipkart for Flipkart purchase
Axis neo for Zomato, 2 times in a month for Rs120 off on Rs200 min order
Kotak Myntra on Myntra --> how did you get 3 year free ??
Kotak league how did you get ltf ? Any agent please share details.
Indusind for dinners.

Axis ace best for utility payments.

If more online purchase then get SBI CB card

Idfc select, plz check forum, I think only useful for govt payments, insurance , not sure if devalued.

 

[Anupama_Jha]

Kotak Myntra on Myntra --> how did you get 3 year free ??

This one also.

Kotak league how did you get ltf ? Any agent please share details.

This usually gets issued LTF.

 

[Anupama_Jha]

Any suggestions for a rupay card to get cashback on upi?

Neu plus/Infinity or BOB Snapdeal

 

[chicako]

how did you get 3 year free ??

I received a notification on Myntra app for the card, I am also at Myntra elite insider tier level, maybe that helped, I am not sure.

Kotak league how did you get ltf ? Any agent please share details.

I have one and my father has one, both LTF. I had applied for my dad but it's been a long time so I don't exactly remember. I keep getting calls for credit cards. So, maybe I applied through them or directly on their website.
As for me, I opened a Zero balance savings account with Kotak, online and after 5-6 months I received the notification to apply for the credit card.
Just to be sure, this is the one you are taking about right? Click here

Idfc select, plz check forum, I think only useful for govt payments, insurance , not sure if devalued.

I get a discount on movie tickets on paytm with this one.

 

[chicako]

Neu plus/Infinity or BOB Snapdeal

How much cashback does the BOB Snapdeal card provide?
I already have the Myntra Kotak card but it's master card, I tried getting it converted to Rupay but was told that RBI has given directive to Kotak bank to pause the conversions for now and they will let me know when it resumes.

 

[Anupama_Jha]

How much cashback does the BOB Snapdeal card provide?
I already have the Myntra Kotak card but it's master card, I tried getting it converted to Rupay but was told that RBI has given directive to Kotak bank to pause the conversions for now and they will let me know when it resumes.

2.5% @VISHESH_BANSAL right?

 

[chicako]

2.5% @VISHESH_BANSAL right?

2.5% on upi spends is very high compared to it's low annual fees.

 

[Anupama_Jha]

2.5% on upi spends is very high compared to is low annual fees.

I guess 2.5% is for online spends and 1% is for UPI spends.

Check here - https://www.bobcard.co.in/credit-card-types/snapdeal-bobcard

 

[Card_Crafter]

Any suggestions for a rupay card to get cashback on upi?

Yes Kiwi - 2% cashback
Jupiter CSB - 2% cashback
Neu Infinity - 1.5%

 

[chicako]

Yes Kiwi - 2% cashback
Jupiter CSB - 2% cashback
Neu Infinity - 1.5%

I don't why but for some reason my yes kiwi application got rejected.

 

[helloworld]

Thread 'Guide to suggest a credit card - Basic requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000
   • Offline...

• helloworld
• Replies: 8
• Forum: Suggest me a Credit Card

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: )