gagansumant
KF Rookie
Hi I want to make a portfolio of 3-4 credit card kindly suggest some good card's,My monthly expenditure is 30-35K in a month.
Credit card portfolio
- Thread starter gagansumant
- Start date
Skylar
KF Master
Can you break those down, like where your majority spends are Like Utilities, online, offline etc etc.
Do you hold any credit cards?
gagansumant
KF Rookie
Grocery:6-7K offline
Petrol:5-6K
Food/Restaurant:12K
Insurance:40k in a Year
Online shopping:3K
Others:5K
Card which I Hold
ICICI Amazon
SBI Cash Back
HDFC Money Back
Skylar
KF Master
online sorted!
Skylar
KF Master
The Amazon Pay ICICI Credit Card offers 2% cashback via Amazon Pay and 1% cashback if paid directly, with no capping.
Last edited:
Skylar
KF Master
The SBI BPCL OCTANE Credit Card offers 6.25% reward points on expenses up to Rs. 10,000 per statement, along with a 1% surcharge waiver on expenses of up to Rs. 10,000 per statement.
Fee is high: Joining - 1768.82 and annual 1768.82
The IDFC First Bank HPCL Power+ Credit Card offers 4% Reward Points on expenses of up to ₹10,000 every month. Additionally, users can earn 1.5% value back as Payback points if used via the HP Pay app, up to ₹5,000 per month. Furthermore, there is a 1% surcharge waiver on expenses of up to ₹20,000 every month.
Fee: Joining - 588.82 and annual 588.82
Skylar
KF Master
One Card 
Valid till Mar 31 2024 (Usually same offers repeat every month
Get minimum 10% value back on grocery shopping.
Special offers:
Dmart - Get 20% value back up to 500/- on minimum transaction of 500/-
Vishal Mega Mart: Get 20% value back up to 500/- on minimum transaction of 300/-
More: Get 20% value back up to 500/- on minimum transaction of 100/-
Reliance SMART- Reliance fresh: Get 20% value back up to 500/- on minimum transaction of 100/-
Spencers: Get 20% value back up to 500/- on minimum transaction of 200/-
*Offers change depending on your city!
*There are other grocery centric cards of AU and BOB which I never tried myself so can suggest.
Ace - 1.5%
Tata Neu Infinity - 1.5%
Myntra Kotak - 1.25%
ICICI Apay - 1%
Valid till Mar 31 2024 (Usually same offers repeat every month
Get minimum 10% value back on grocery shopping.
Special offers:
Dmart - Get 20% value back up to 500/- on minimum transaction of 500/-
Vishal Mega Mart: Get 20% value back up to 500/- on minimum transaction of 300/-
More: Get 20% value back up to 500/- on minimum transaction of 100/-
Reliance SMART- Reliance fresh: Get 20% value back up to 500/- on minimum transaction of 100/-
Spencers: Get 20% value back up to 500/- on minimum transaction of 200/-
*Offers change depending on your city!
*There are other grocery centric cards of AU and BOB which I never tried myself so can suggest.
Ace - 1.5%
Tata Neu Infinity - 1.5%
Myntra Kotak - 1.25%
ICICI Apay - 1%
Skylar
KF Master
HDFC Swiggy 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
gagansumant
KF Rookie
ThanksThese are my picks, let's wait for others to suggest. better cards than these and categories I missed
