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 ?

 

[doctoramar]

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 ?

Apply for sbicashback online
Salaried infinia is better
Business biz black is better

 

[doctoramar]

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?

1.TATA NEU INFINITY
Use tata neu hdfc infinity to buy 20000 amazon pay every month.This will help in utility and insurance payments.
Pay electricity bill and insurance they tataneu hdfc app using hdfc infinity card and get 5% as neucoins
pay for sports club and education institute thru bill pay in tata neu app.(check if ur club or education insttitute is registered)

2.AXIS AIRTEL for some as u mentioned

3.Travel if can get sbi cash back u receive 5000 cashback for 100000 spend
I would rather spend on regalia gold using smartbuy gather points and convert to accor for hotels.

4.Kiwi yes card gives small cashback like 2 or 3 rupees on upi thru savings account. If u can make multiple small transactions u get decent benefit.

5.amex mrcc for tax payments

 

[ansh_SmartSpender360]

1.TATA NEU INFINITY
Use tata neu hdfc infinity to buy 20000 amazon pay every month.This will help in utility and insurance payments.
Pay electricity bill and insurance they tataneu hdfc app using hdfc infinity card and get 5% as neucoins
pay for sports club and education institute thru bill pay in tata neu app.(check if ur club or education insttitute is registered)

2.AXIS AIRTEL for some as u mentioned

3.Travel if can get sbi cash back u receive 5000 cashback for 100000 spend
I would rather spend on regalia gold using smartbuy gather points and convert to accor for hotels.

4.Kiwi yes card gives small cashback like 2 or 3 rupees on upi thru savings account. If u can make multiple small transactions u get decent benefit.

5.amex mrcc for tax payments

Great info, Thanks!