Your most used 3 credit cards?

[draja-cc]

Hi Everyone,

I know most of us have multiple credit cards. An average around 10-15 credit cards as we all are CC enthusiast. But we also have our workhorses; the cards that we use the most. Let us list are top 3 most used cards and where they are put for used. This will help people to reevaluate their credit card portfolio and update it if needed.

For me the primary cards are:

1. HDFC Infinia - Smartbuy+ generic spends
2. Axis Airtel - Utility, Swiggy, Zomato, Bigbasket, BB Daily
3. IndusInd Easydiner - Dining+ Movie Tickets.

 

[manoj28]

Kiwi Rupay - UPI
HSBC Live+ - Grocery / Dining / offline
Axis Airtel - Utilities

 

[Techno Geek]

HDFC Millennia and ICICI Apay are my primary and only 2 credit cards

 

[Anindya98]

SBI CB, Airtel Axis, Yes Kiwi

 

[rakeshs]

Infinia - everything
AU Zenith plus - no actual benefit.
SBI Octane - fuel

 

[Pissant]

Axis Atlas>Amex Gold>HDFC DCP

 

[callsignmaverick]

Magnus Burgundy - Almost all spends
Infinia - Vouchers + 5x/10x partners on Smartbuy
ICIC EPM - Anywhere ICICI has offers or where I don't use Infinia/Magnus.

 

[plastikman]

AU LIT (IYKYK)
HSBC Live +
Swiggy
Eazydiner
MRCC
Kiwi / Jupiter

 

[BeingIncogBeingIncog is verified member.]

SBI CB
Kotak Myntra
Jupiter Edge

 

[draja-cc]

Kiwi Rupay - UPI
HSBC Live+ - Grocery / Dining / offline
Axis Airtel - Utilities

You have a good and simple card usage...

HSBC Live+ seems to be a good card for groceries and dining where Easydiner is not available. Also 1.5% cashback on most offline spends seems good option. Thinking of having this card for offline grocery stores like dmart and eateries that are not on Easydiner.

 

[sunit123]

UPI: Kiwi Rupay
Online: HDFC Swiggy and ICICI Amazon Pay
Offline: Scapia

In drawer: Regalia Gold, Sapphiro and few more (for offers)

 

[shu_sha]

SBI Cashback Card
HSBC Live+
ICICI Amazon Pay

 

[cardio_guycardio_guy is verified member.]

As of now, these are the top 3 cards for me:

• HDFC Tata Neu Infinity - UPI Scans (1.5%) and bigbasket (10%) purchases.
• HDFC Swiggy - Swiggy Instamart, Genie, Dineout (10%), Online spends (5%), offline (1%)
• ICICI Amazon Pay - Amazon spends, flights, hotels (5%), Bill payments (2%), offline (1%)

 

[Thanos]

Swiggy HDFC(Online) > Airtel Axis (Utility) > Tata Neu HDFC Infinity (offline, UPI and others)

 

[Ak Singh]

1) SBI CASHBACK

2)

Spoiler

SBI CASHBACK

3)

Spoiler

SBI CASHBACK

 

[Half Human]

As of now, these are the top 3 cards for me:

• HDFC Tata Neu Infinity - UPI Scans (1.5%) and bigbasket (10%) purchases.
• HDFC Swiggy - Swiggy Instamart, Genie, Dineout (10%), Online spends (5%), offline (1%)
• ICICI Amazon Pay - Amazon spends, flights, hotels (5%), Bill payments (2%), offline (1%)

Bill payments can be made with infinity for 5% ri8? Also offline with infinity gives 1.5%

 

[AlphaCAT]

Axis Atlas : for all spends
HSBC Live+ : for dining bills
Axis Airtel : for Utilities, Zomato, BigBasket
HDFC Swiggy : for Swiggy
IDFC Vistara : UPI
Kotak Myntra : Myntra

 

[Raavan]

1. Axis Airtel - utilities (airtel recharge only)
2. Axis Neo - Zomato offer
3. Yes Kiwi - UPI

Other cards (benefit wise utilisation) - SBI cashback, ICICI APay, PNB RSCC, IDFC Millenia.

 

[cardio_guycardio_guy is verified member.]

Bill payments can be made with infinity for 5% ri8? Also offline with infinity gives 1.5%

Yes, I haven't yet started making bill paymetns using TNI, but yes that gives 5%.
Offline I still use TNI, but my limit is less only 1.5L. So it's difficult to use it for all txns.
I am going to ask for limit enhancement for HDFC cards.

 

[draja-cc]

Magnus Burgundy - Almost all spends
Infinia - Vouchers + 5x/10x partners on Smartbuy
ICIC EPM - Anywhere ICICI has offers or where I don't use Infinia/Magnus.

For ultra high spender who likes to travel this probably is a dream collection...