JbL13
TF Buzz
Hey everyone,
I'm looking to add a Rupay card for UPI spends and am looking to close/upgrade a few other cards. Here's my existing card collection:
1. HDFC Millenia: Oldest. Limit is 1.8L. Primarily used for online orders and payments because of the 5% cashback
2. SBI Vistara: Primary card. Limit 2.3L. Used for all major expenses to get flight tickets via milestone benefits and offline transactions. Need to take 6-10 domestic flights a year.
3. Amazon ICICI: Limit 2.4L. Mainly used for Amazon spends
4. Axis MyZone: Limit 85k. Had taken for the Swiggy discounts and 1+1 on movie tickets. Swiggy discount is negligible now because of the minimum 500 spend to get 120 off. Movie tickets has also shifted to District (Zomato) and 1+1 on MyZone is not in a lot of theatres. Looking to either close or upgrade this card
5. IndusInd legend: Limit: 2.5L. Had taken this card for the Oberoi voucher but later got to know that it is not included if it is LTF after applying. Only used for Indusind offers online and movie tickets 1+1. Same as Axis - either looking to close or upgrade to a better one.
What do you suggest I do? Current thought process:
- For Rupay, going for Yes Bank Kiwi for daily UPI spends (Rs. 500 daily for office commute)
- Upgrade Axis and IndusInd - Not sure to which one
- Get HSBC or wait for new card from Kotak now that their ban is lifted
I'm looking to add a Rupay card for UPI spends and am looking to close/upgrade a few other cards. Here's my existing card collection:
1. HDFC Millenia: Oldest. Limit is 1.8L. Primarily used for online orders and payments because of the 5% cashback
2. SBI Vistara: Primary card. Limit 2.3L. Used for all major expenses to get flight tickets via milestone benefits and offline transactions. Need to take 6-10 domestic flights a year.
3. Amazon ICICI: Limit 2.4L. Mainly used for Amazon spends
4. Axis MyZone: Limit 85k. Had taken for the Swiggy discounts and 1+1 on movie tickets. Swiggy discount is negligible now because of the minimum 500 spend to get 120 off. Movie tickets has also shifted to District (Zomato) and 1+1 on MyZone is not in a lot of theatres. Looking to either close or upgrade this card
5. IndusInd legend: Limit: 2.5L. Had taken this card for the Oberoi voucher but later got to know that it is not included if it is LTF after applying. Only used for Indusind offers online and movie tickets 1+1. Same as Axis - either looking to close or upgrade to a better one.
What do you suggest I do? Current thought process:
- For Rupay, going for Yes Bank Kiwi for daily UPI spends (Rs. 500 daily for office commute)
- Upgrade Axis and IndusInd - Not sure to which one
- Get HSBC or wait for new card from Kotak now that their ban is lifted
