Credit card portfolio

[Richi]

Can someone please guide me to get best of my credit cards, my spends are mostly on

Hotel booking/travel(not flight) as I'm in sales & traveling one place to other
Petrol : 3k to 5k monthly
Food online : 3k
Online shopping: 2k

Bellow cards I have
Amazon ICICI: 2.2L (coral for UPI payment) 1 year
IDFC millennia: 1.2L 6 months
One card : 85k 2.5 years
RBL PB save max : 75k 2 years
Swiggy HDFC : 50k 2 months
Axis ace & Flipkart: 25k combined 1 year

Also please guide if any additional card required in my portfolio or any card to remove from it

 

[hitirfan]

Can someone please guide me to get best of my credit cards, my spends are mostly on

Hotel booking/travel(not flight) as I'm in sales & traveling one place to other
Petrol : 3k to 5k monthly
Food online : 3k
Online shopping: 2k

Bellow cards I have
Amazon ICICI: 2.2L (coral for UPI payment) 1 year
IDFC millennia: 1.2L 6 months
One card : 85k 2.5 years
RBL PB save max : 75k 2 years
Swiggy HDFC : 50k 2 months
Axis ace & Flipkart: 25k combined 1 year

Also please guide if any additional card required in my portfolio or any card to remove from it

Do u have any card for fuel?

 

[Richi]

Do u have any card for fuel?

No I don't

 

[zacobite]

Can someone please guide me to get best of my credit cards, my spends are mostly on

Hotel booking/travel(not flight) as I'm in sales & traveling one place to other
Petrol : 3k to 5k monthly
Food online : 3k
Online shopping: 2k

Bellow cards I have
Amazon ICICI: 2.2L (coral for UPI payment) 1 year
IDFC millennia: 1.2L 6 months
One card : 85k 2.5 years
RBL PB save max : 75k 2 years
Swiggy HDFC : 50k 2 months
Axis ace & Flipkart: 25k combined 1 year

Also please guide if any additional card required in my portfolio or any card to remove from it

amz icici and swiggy shd work well for u

 

[hitirfan]

No I don't

Keep a fuel card. SBI BPCL Octane is the best, but check if BPCL petrol pumps in ur area have this program.

Then IDFC Power+, it's probably HPCL Card, for that HP Pay enabled pumps are good (extra reward as HP Coins).

HDFC IOCL, you can get additional Indian Oil Xtra Rewards from the pumps which have that program

 

[Skylar]

Keep a fuel card. SBI BPCL Octane is the best, but check if BPCL petrol pumps in ur area have this program.

Then IDFC Power+, it's probably HPCL Card, for that HP Pay enabled pumps are good (extra reward as HP Coins).

HDFC IOCL, you can get additional Indian Oil Xtra Rewards from the pumps which have that program

SBI BPCL Octane comes with fee of 1768.82/-
He said fuel spends of 3k to 5k, even if consider 5K*12= 60K
Return on that card will be 6.5% which is 3900 now minus the fee 1768.82 we have 2131.18 we get a return of 3.5%

3.5% Still decent return. This card is pretty good for people having fuel expenses above 5K

 

[Skylar]

Can someone please guide me to get best of my credit cards, my spends are mostly on

Hotel booking/travel(not flight) as I'm in sales & traveling one place to other
Petrol : 3k to 5k monthly
Food online : 3k
Online shopping: 2k

Bellow cards I have
Amazon ICICI: 2.2L (coral for UPI payment) 1 year
IDFC millennia: 1.2L 6 months
One card : 85k 2.5 years
RBL PB save max : 75k 2 years
Swiggy HDFC : 50k 2 months
Axis ace & Flipkart: 25k combined 1 year

Also please guide if any additional card required in my portfolio or any card to remove from it

What's your experience with RBL card and their bank?

 

[hitirfan]

SBI BPCL Octane comes with fee of 1768.82/-
He said fuel spends of 3k to 5k, even if consider 5K*12= 60K
Return on that card will be 6.5% which is 3900 now minus the fee 1768.82 we have 2131.18 we get a return of 3.5%

3.5% Still decent return. This card is pretty good for people having fuel expenses above 5K

Joining benefits b milte hain 1500 joining fee worth

 

[ansh_SmartSpender360]

For fuel, you can go with IDFC FIRST Bank FIRST Power Credit Card, annual fee will be waived on spend of 50K.

Key Features & Benefits:​

1. Fuel Cashback:
   • 5% cashback on fuel purchases at HPCL petrol pumps, applicable when you pay via the HP Pay app.
2. Fuel Surcharge Waiver:
   • 1% fuel surcharge waiver on transactions at HPCL petrol stations across India, ensuring additional savings on fuel spends.
3. Other Cashback Categories:
   • 5% cashback on utility bills and grocery purchases, making this card versatile for daily expenses.
   • 4X rewards points on other everyday spends, such as shopping, dining, and travel.
4. Reward Points:
   • Accumulate reward points for various non-fuel-related transactions. These can be redeemed for a wide variety of gifts, vouchers, and services.
5. Contactless Payments:
   • Enabled for secure and fast contactless payments at HPCL pumps and other locations.

 

[DPunk]

IDFC power + good for fuel, Hp petrol pumps for 5%. Pay through Hp Pay you get 1.5% extra...by scanning the QR code. Furthr, it is rupay card so pay through UPI also and get some .5% too.

 

[yaravinds9]

For fuel, you can go with IDFC FIRST Bank FIRST Power Credit Card, annual fee will be waived on spend of 50K.

Key Features & Benefits:​

1. Fuel Cashback:
   • 5% cashback on fuel purchases at HPCL petrol pumps, applicable when you pay via the HP Pay app.
2. Fuel Surcharge Waiver:
   • 1% fuel surcharge waiver on transactions at HPCL petrol stations across India, ensuring additional savings on fuel spends.
3. Other Cashback Categories:
   • 5% cashback on utility bills and grocery purchases, making this card versatile for daily expenses.
   • 4X rewards points on other everyday spends, such as shopping, dining, and travel.
4. Reward Points:
   • Accumulate reward points for various non-fuel-related transactions. These can be redeemed for a wide variety of gifts, vouchers, and services.
5. Contactless Payments:
   • Enabled for secure and fast contactless payments at HPCL pumps and other locations.

1% fuel surcharge waiver is removed now. We shall be charged even on transactions made at HPCL petrol stations.