Need Suggestions for a New Credit Card to Match My Spending Need

[Souravthakur12]

Hey everyone!

I'm looking for suggestions on the best credit card options based on my spending habits. I have the Axis My Zone Credit Card with a ₹3.50 lakh limit, but it’s not giving me any significant rewards, so I’m considering closing it.

Here are the key areas where I spend the most:

• Utility bills: ₹60,000 per month
• Insurance payments: At least ₹6 lakhs per year
• I do have other spending as well, but these are the major ones.

What I’m looking for in a new credit card:

• Better rewards, cashback, or points system that would actually benefit me based on my spending pattern
• Possibly higher credit limits
• Other benefits like insurance rewards, utility payments, or even travel perks would be a plus

Does anyone have recommendations on which credit cards would match my needs? Any advice or experiences would be appreciated!

 

[krishna1718]

huge spending on utility you wont get any card for such utility spends have 2 sbi cashback creditcards -amazon order placing with card and cancelling order intiating refund to amazon pay balance. use refund amazon balance to pay bills..with 2 cards you can save 3000rs in utility bills everymonth and insurance 30000 in year .. you must need 2 cashbacks for this but risky

 

[Gourab Dutta]

American express gold charge card and sbi cashback

 

[abhimarda]

American express gold charge card and sbi cashback

SBI cashback card does not give any cash back on utility and insurance.

 

[abhimarda]

Hey everyone!

I'm looking for suggestions on the best credit card options based on my spending habits. I have the Axis My Zone Credit Card with a ₹3.50 lakh limit, but it’s not giving me any significant rewards, so I’m considering closing it.

Here are the key areas where I spend the most:

• Utility bills: ₹60,000 per month
• Insurance payments: At least ₹6 lakhs per year
• I do have other spending as well, but these are the major ones.

What I’m looking for in a new credit card:

• Better rewards, cashback, or points system that would actually benefit me based on my spending pattern
• Possibly higher credit limits
• Other benefits like insurance rewards, utility payments, or even travel perks would be a plus

Does anyone have recommendations on which credit cards would match my needs? Any advice or experiences would be appreciated!

Utility bills of 60k per month doesn't look like personal use. If it is business use, then look for HDFC Biz Black

 

[Tk Bhai]

Hey everyone!

I'm looking for suggestions on the best credit card options based on my spending habits. I have the Axis My Zone Credit Card with a ₹3.50 lakh limit, but it’s not giving me any significant rewards, so I’m considering closing it.

Here are the key areas where I spend the most:

• Utility bills: ₹60,000 per month
• Insurance payments: At least ₹6 lakhs per year
• I do have other spending as well, but these are the major ones.

What I’m looking for in a new credit card:

• Better rewards, cashback, or points system that would actually benefit me based on my spending pattern
• Possibly higher credit limits
• Other benefits like insurance rewards, utility payments, or even travel perks would be a plus

Does anyone have recommendations on which credit cards would match my needs? Any advice or experiences would be appreciated!

Axis Airtel CC

 

[ChinmayG]

Hey everyone!

I'm looking for suggestions on the best credit card options based on my spending habits. I have the Axis My Zone Credit Card with a ₹3.50 lakh limit, but it’s not giving me any significant rewards, so I’m considering closing it.

Here are the key areas where I spend the most:

• Utility bills: ₹60,000 per month
• Insurance payments: At least ₹6 lakhs per year
• I do have other spending as well, but these are the major ones.

What I’m looking for in a new credit card:

• Better rewards, cashback, or points system that would actually benefit me based on my spending pattern
• Possibly higher credit limits
• Other benefits like insurance rewards, utility payments, or even travel perks would be a plus

Does anyone have recommendations on which credit cards would match my needs? Any advice or experiences would be appreciated!

Tata Neu Infinity HDFC Bank Credit Card

Checkout Spending limit and discount for Utility and Other categories. If you use this card with Tata Neu app for some categories you can extend discount upto 10% for Electronics, Grocery, Travel, Grocery and many other categories.

Feel free to ask any questions.