"Seeking Advice on Multiple HDFC Credit Cards"

[Bicky]

I currently hold four HDFC Bank credit cards: the MoneyBack card, the HDFC RuPay card, the Swiggy card, and the Tata Neu Infinity card. All of these are lifetime free. I’d like to know if I made the right decision by acquiring these cards over time. Could you provide your insights on whether this was a good move or not?

 

[abhimarda]

I currently hold four HDFC Bank credit cards: the MoneyBack card, the HDFC RuPay card, the Swiggy card, and the Tata Neu Infinity card. All of these are lifetime free. I’d like to know if I made the right decision by acquiring these cards over time. Could you provide your insights on whether this was a good move or not?

It depends on what your spends are and based on that only it can be commented if it's good or not. It also needs to be considered what kind of returns you want in your spends.

 

[krishna1718]

all are best cards except hdfc rupay
1) upi and tata you can use tataneu infinity
2) 10% discount sales you can use Hdfc Money back
3) swiggy and 5% cashback you can use swiggy hdfc
since all are lifetime no wrong in using them

 

[doctoramar]

All depends on ur spends.
If u can give details of ur spend areas and amounts u can get specific advise.
Life time free cards r good to have but they should have some use for you.

 

[Bicky]

All depends on ur spends.
If u can give details of ur spend areas and amounts u can get specific advise.
Life time free cards r good to have but they should have some use for you.

I mainly use the Swiggy card for groceries, and I think it's great for that. Plus, it gives 5% cashback on Flipkart and Amazon, which is also a benefit for me. The MoneyBack and RuPay cards don’t offer much value to me unless there are specific discounts during sales. I acquired the Tata Neu Infinity card this month mainly because it’s lifetime free and has good benefits.

Do you think these were good choices, or would you suggest anything different based on my spending habits? Would love to hear your thoughts!

@abhimarda @doctoramar

 

[doctoramar]

If ur basic spend is Groceries ur cards r good.u will get discounts on swiggy,amazon and big basket.U have got it covered.
Hdfc rupay card not of much use.Consider tata neu for ur upi spends or kiwi yes card.

 

[Bicky]

If ur basic spend is Groceries ur cards r good.u will get discounts on swiggy,amazon and big basket.U have got it covered.
Hdfc rupay card not of much use.Consider tata neu for ur upi spends or kiwi yes card.

I understand that the HDFC RuPay card is no longer useful for me since I now have the Tata Neu Infinity RuPay card. However, I am unable to get the Yes Bank Kiwi card as I already hold the Yes Bank Finbooster card, and they have a policy of allowing only one card per customer.

 

[abhimarda]

I mainly use the Swiggy card for groceries, and I think it's great for that. Plus, it gives 5% cashback on Flipkart and Amazon, which is also a benefit for me. The MoneyBack and RuPay cards don’t offer much value to me unless there are specific discounts during sales. I acquired the Tata Neu Infinity card this month mainly because it’s lifetime free and has good benefits.

Do you think these were good choices, or would you suggest anything different based on my spending habits? Would love to hear your thoughts!

@abhimarda @doctoramar

From your response it seems your spends are on groceries or on Amazon. Further it seems you are looking for cashback as rewards. In that case Swiggy card is good. Moneyback card can be kept as core card while Rupay card is if little value. Tata Neu card offers upto 1.5% cashback on UPI however if usage is on Bigbasket, it's quite overpriced hence I just stopped using my Neu card.