Need Rupay cards suggestion

[SanthoshSomu]

View attachment 816



One Card

Apollo - 30% return
Dmart - 14% Return

Which app it is?

 

[Skylar]

Which app it is?

One Card App with OneCard Credit card.

 

[abhimarda]

Hi everyone
I have the following annual expenses:-

Grocery:- 18000( Flipkart grocery only option)
Insurance:- 20000
Shoping:- 15000 ( mainly Flipkart)
Mobile recharge and utility:- 12000 ( bsnl,
airtal, electricity, LPG)
Offline:- 10000 ( UPI , card swip)

Can anyone please suggest me a portfolio of credit card ( 2 to 3 card) for maximum saving??

SBI cashback card for all these expenses. Insurance and mobile recharge to be done through Amazon Pay balance from Amazon. Purchase Amazon gift card (not Amazon shopping voucher) from Amazon website using SBI cashback card, you will get 5% cashback on that. Use such balance to pay all insurance and utility bills. Offline expenses will earn you 1%.

 

[BlackCat]

But only on the categories we select right not on all spend.
And with these fintech trust is hard to come so I stick with HDFC, AXIS And ICICI.

Just wondering, if I may ask, which cards you currently have. Because in this conversation itself you've mentioned so many different cards. Just curious to know which you use for what purpose. And the One Card screenshot you showed was interesting. Can we use OneCard for wallet transactions too?

 

[Skylar]

Can we use OneCard for wallet transactions too?

I have no knowledge about wallet transactions; I do not engage in them bro.

 

[Skylar]

which you use for what purpose.

Utilites - Axis Ace/Axis Airtel

Offline - Ace/Onecard

UPI - Hdfc Neu/Myntra Kotak
Movies - IDFC select
Amazon - ICICI Apay/Swiggy HDFC
Flipkart- Grabdeals Axis Ace or OneCard GV
Myntra - Myntra Kotak
Other sites- Ace/Myntra Kotak/Swiggy HDFC
Swiggy - Swiggy HDFC/Axis Airtel
Zomato - Axis ACE/Axis Airtel
Dmart/more/spencer - OneCard

 

[SanthoshSomu]

Utilites - Axis Ace/Axis Airtel

Offline - Ace/Onecard

UPI - Hdfc Neu/Myntra Kotak
Movies - IDFC select
Amazon - ICICI Apay/Swiggy HDFC
Flipkart- Grabdeals Axis Ace or OneCard GV
Myntra - Myntra Kotak
Other sites- Ace/Myntra Kotak/Swiggy HDFC
Swiggy - Swiggy HDFC/Axis Airtel
Zomato - Axis ACE/Axis Airtel
Dmart/more/spencer - OneCard

Is it worth taking axis ace in 2024?
How many cards are paid and LTF?

 

[Skylar]

Is it worth taking axis ace in 2024?
How many cards are paid and LTF?

For me, it holds value. I primarily use this card for offline transactions when there are no Onecard or Apay offers available. Additionally, my Axis Airtel card provides 10% cashback up to ₹250 per month, so I switch to the Axis Ace card once I’ve exhausted the Airtel cashback limit. Occasionally, I take advantage of Grab Deals’ 5% cashback offers on popular online platforms.

Both my Ace card (Visa network) and Airtel card (Mastercard) come with annual fees, yet I haven’t found a compelling reason to close them. Currently, I have four paid cards, and I’m keeping the Ace card to observe how things unfold in the near future.

 

[SanthoshSomu]

Yes Bank RuPay UPI Credit Card (Virtual) Reward Point 1%
IndusInd Rupay Platinum Credit Card Reward Points 0.7% (Cashback)/ 2% (Vistara CV Points)
Kotak Myntra RuPay Credit Card Cashback 1.25%


I'm thinking of closing Tata Neu, Swiggy HDFC card got approved (LTF)
I would be using Kotak Myntra as my UPI card if I close tata neu card.

Previously did you closed any credit card?
Will that impacted your CIBIL score?

 

[Skylar]

Previously did you closed any credit card?
Will that impacted your CIBIL score?

I closed 4 cards 3 of them are my oldest cards, Impact on score - None!

Cause cards are shown in closed cards section so no drop in credit score. Its just a myth that credit score drops when you close oldest card, My uncle closed his 13 years old SBI card 6 months back and his score went up instead of falling

 

[SanthoshSomu]

I closed 4 cards 3 of them are my oldest cards, Impact on score - None!

Cause cards are shown in closed cards section so no drop in credit score. Its just a myth that credit score drops when you close oldest card, My uncle closed his 13 years old SBI card 6 months back and his score went up instead of falling

Thank you for the input.