Best credit card usage

Khushav

KF Rookie
I currently on ICICI emerald credit card and my monthly expenses around 15, lakh I earn around 16,000 points per month. How can I achieve maximum efficiency while using these points? Also, should I change to any other credit card as most of these expenses are on utility?
 

amitvicky

KF Mentor
I currently on ICICI emerald credit card and my monthly expenses around 15, lakh I earn around 16,000 points per month. How can I achieve maximum efficiency while using these points? Also, should I change to any other credit card as most of these expenses are on utility?
With this much expense, you should try for other premium cards from amex, HDFC or axis which could give you more returns.
 

Khushav

KF Rookie
With this much expense, you should try for other premium cards from amex, HDFC or axis which could give you more returns.
I tried getting a different credit card, but due to a low credit score I was unable to get one also, I want an advice. I have a transportation company and have to pay a lot of fuel expense using UPI. How can I save on it?
 

amitvicky

KF Mentor
I tried getting a different credit card, but due to a low credit score I was unable to get one also, I want an advice. I have a transportation company and have to pay a lot of fuel expense using UPI. How can I save on it?
How did you manage to get icici emerald with low credit score???

Anyway, you need 3-4 fuel credit cards like :-
Sbi BPCL octane
RBL Indian oil xtra
Idfc fuel card
Axis iocl

You would need to youtube as I am a regular fuel user.

These should cover you fuel expenses for around 50-60k per month
If you need more than get cards on your family members name.

Also, you need to plan the refill according to the card you have as these are co-branded and meant to b used at specific fuel brand like BPCL or iocl etc.
 

Khushav

KF Rookie
I got this card along back ago at that time, I had a great credit score, but currently it is low 50 to 60 K is nothing. This is like my daily expense on fuel as I have a transportation company and I need something specific for UPI payments only.
 
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