Request for Credit Card Portfolio Suggestion Based on Current Spend Patterns and Existing Cards

[ansh_SmartSpender360]

Can you suggest a suitable credit card portfolio based on my current cards and spending patterns? I am open to apply for new cards.

Existing Cards:

• HDFC Regalia (LTF) - ₹8L (Planning to close and apply for HDFC Infinia)
• ICICI Amazon (LTF)
• Kotak Zen (LTF)
• IDFC First HP Power+
• IDFC First Select (LTF)
• HDFC Tata Neu Infinity
• IndusInd Legend (LTF)

Monthly Expenses:

• Online shopping (Amazon, Flipkart, Myntra): ₹5,000
• Offline shopping (Grocery): ₹5,000
• Fuel: ₹6,000 (via IDFC First HP Power+)
• Bill payments (Airtel - ₹2,500, TNEB - ₹5,000, House Maintenance - ₹5,000 via ADDA app): ₹12,500 (Airtel Axis Credit Card)
• Food delivery & dining (Swiggy, Zomato, Tender Cut, Licious): ₹4,000
• Travel (flights, hotels, train): ₹1,00,000 annually
• Insurance (Car, Life, Health): ₹50,000 annually
• Education fee: ₹1,50,000 annually
• Sports club membership fee: ₹30,000 annually (paid via CC)
• Government Transaction( Additional Income Tax - 2L annual, NPS-50K, Property Tax - 2500)

Additionally, I make monthly GPay payments of ₹20,000 (for tuition and maid services). Can I earn any credit card rewards or cashback for these GPay payments?

 

[Skylar]

Can you suggest a suitable credit card portfolio based on my current cards and spending patterns? I am open to apply for new cards.

Existing Cards:

• HDFC Regalia (LTF) - ₹8L (Planning to close and apply for HDFC Infinia)
• ICICI Amazon (LTF)
• Kotak Zen (LTF)
• IDFC First HP Power+
• IDFC First Select (LTF)
• HDFC Tata Neu Infinity
• IndusInd Legend (LTF)

Monthly Expenses:

• Online shopping (Amazon, Flipkart, Myntra): ₹5,000
• Offline shopping (Grocery): ₹5,000
• Fuel: ₹6,000 (via IDFC First HP Power+)
• Bill payments (Airtel - ₹2,500, TNEB - ₹5,000, House Maintenance - ₹5,000 via ADDA app): ₹12,500 (Airtel Axis Credit Card)
• Food delivery & dining (Swiggy, Zomato, Tender Cut, Licious): ₹4,000
• Travel (flights, hotels, train): ₹1,00,000 annually
• Insurance (Car, Life, Health): ₹50,000 annually
• Education fee: ₹1,50,000 annually
• Sports club membership fee: ₹30,000 annually (paid via CC)
• Government Transaction( Additional Income Tax - 2L annual, NPS-50K, Property Tax - 2500)

Additionally, I make monthly GPay payments of ₹20,000 (for tuition and maid services). Can I earn any credit card rewards or cashback for these GPay payments?

SBI Cashback card and HDFC BIZ black would cover most of the spends.

 

[ansh_SmartSpender360]

SBI Cashback card and HDFC BIZ black would cover most of the spends.

Thanks for the suggestion. How to apply for SBI Cashback - Online or through Branch. I am a salaried person, will it help to take HDFC BiZBlack or infinia ?