Credit Card Portfolio - 2024

[arkadasgupta17]

Hi Members,

I am sharing my credit card portfolio for 2024

ICICI Saphiro - 8.3L LTF ----------This is my 1st primary card for offline spending
ICICI Amazon Pay - 8.3L LTF

Axis Flipkart - 3.3L LTF
Axis Indian Oil Rupay - 3.3L(Shared) ~500 INR Yearly Charges (Already waived off till 2025)

IDFC First Wealth - 7.5L LTF ------- This is my 2nd primary card for offline spends
IDFC Power Plus HPCL Rupay - 7.5L(Shared) ~500 INR Yearly Charges ------ Primary UPI spends

SBI Cashback - 3L ~1000 INR Yearly Charges (Should be waived off) ------ This is my primary card for online spending

Kotal Myntra - 2L Zero Joining fees + No Annual fees for upto 3 years


Aiming for:
HDFC Tata Neu Infinity Rupay - LTF/zero joining. ------- Looking for this card for primary UPI spending


Suggestions needed:
A card with good cashback for offline spending



Thank you

 

[Skylar]

A card with good cashback for offline spending

Axis Ace 1.5% on offline spend
One Card 3% to 30% on select offline shops. (Eg: Dmart, Reliance mart, more, spansors, apollo, bata etc etc)

HDFC DC/Infina - 3.33%
Try to get a core card of HDFC first then apply for Neu Infinity.

 

[Prince]

CSB Jupiter Edge Credit Card 2% cashback (convertible in cash) on Shopping or Travel as per your selection. FYI - you have to pay this card via Jupiter App only.
You can apply the card using my referral code.

Jupiter Money

Get the lifetime free 3-in-1 credit card and switch between shopping, travel, and dining for 2% cashback. Scan any QR and pay with this credit card online, in-store, or with UPI. Track your UPI and credit spends to get monthly Insights. Get the Edge CSB Bank RuPay Credit Card exclusively on...

jupiter.onelink.me

 

[hrushup]

HDFC Regalia Gold(2.5K able to reach the milestone to waive off the annual fees) - Primary Card
Citibank Indian Oil - For petrol (planning to switch to a better option)
Axis Neo(LTF) - for Swiggy/Zomato offers
Amazon Pay ICICI(LTF) - Amazon Spends
OneCard(LTF) - Offer based use
SBI Pulse(1.5K) - Applied for SBI SimplyClick and they proceeded with this one(will change next year to SBI Octane)
HSBC PLatinum(LTF) - offer based use

 

[Skylar]

Citibank Indian Oil - For petrol (planning to switch to a better option)

Options but might not be better


IDFC First Bank HPCL Power+ Credit Card
Fee: 588.82
Earn 4% Reward Point on expenses of up to ₹10,000 every month, plus earn 1.5% value back as payback points if used via HP Pay app, upto Rs. 5000 per month. 1% surcharge waiver on expenses of up to ₹20,000 every month.

SBI BPCL OCTANE Credit Card
Fee: 1768.82
Earn 6.25% on expenses upto Rs. 10,000 per statement. 1% surcharges waiver on expenses of up to Rs 10,000 per statement.

 

[Skylar]

SBI Pulse(1.5K)

Got that smart watch?

 

[hrushup]

Got that smart watch?

Yess.

 

[Skylar]

Yess.

What's your thoughts on it, is it worthy?

 

[hrushup]

What's your thoughts on it, is it worthy?

if you are just thinking to get a watch, better purchase directly from Amazon you’ll get it in 1000/- this card is useful if you are fitness lover.