What's In Your Wallet: Which Credit Cards Are You Carrying and Why?

[nikunjduggal]

Hey there, fellow financial enthusiasts! Let's talk about a topic that's always in our pockets – credit cards!

We all have them, but have you ever wondered what's in the wallets of those around you and why they chose those particular cards?

So, what's in your wallet? Share your insights and hear from others about their credit card choices.

 

[skadaver]

I have the following credit cards and the benefits i get along with them

Lifetime free cards:
1. Amazon ICICI: For 5% cashback on Amazon
2. IDFC Wealth: 1 +1 movie tickets per month and Golf games
3. HDFC Diners Privilege: Swiggy dineout discounts, quarterly milestone benefits, Flights on smartbuy
4. Niyo Global: International transactions
5. SBI SimplySave: For discounts on sale in Amazon/Flipkart

Other cards i use which are not LTF but fee gets waived off:
1. SBI Cashback: For 5% cashback on any online transaction

Few cards which i am waiting to get an LTF offer
1. HDFC Tata Neu infinity Rupay: For UPI transactions
2. Any co-branded fuel card : for fuel transactions

 

[17ysaurabh]

I am using the following cards:

1. Amazon Pay ICICI:
5% cashback on Amazon for most of my spends

2. Airtel Axis:
10% cashback on utility bills like electricity, and gas up to Rs. 300 monthly
10% cashback on Zomato up to Rs. 500
25% cashback on Airtel phone recharges

3. HDFC Millenia:
5% cashback on IRCTC train tickets and bus tickets via Smartbuy platform
5% cashback on Book my show

4. PNB Platinum Rupay CC:
I use this for UPI payments to get that 30 - 45-day period. It has negligible cashback of 0.5%.
It is more of an LTF card as you have to spend once every quarter.

I'm planning to apply for:
SBI Cashback CC

 

[secprashant]

Axis Flipkart - 5% cashback on axis and 1.5% cashback on every other transaction
SBI BPCL - 4.25 % Cashback on fuel (will replace with idfc power)
Tata neu plus - got lifetime free offer, using for Upi
SBI cashback - for all online spends 5%

Other cards I have but not kept in wallet
Amazon icici
Onecard

 

[Skylar]

Axis ACE: The Loyal Companion - my trust for all offline transactions. always in my wallet
ONE-CARD: The Occasional Guest, I use it then I see offers on their app on nearby stores.
ICICI Apay: Gives 1% cash back in Few Jewelry stores where ace doesn't give any cashback.
TATA Neu—not physically present in my wallet, but oh, it’s my UPI ninja.

Cards That Once Rode Shotgun but Now Rest on the Shelf​

• IDFC First Select: Once a regular, now resting on the shelf. It’s like that classic novel you revisit occasionally.
• HDFC Money Back: The workhorse that served its purpose faithfully.
• Kotak Urban: A silent observer, tucked away in the archives.
• ICICI Coral: The coral-colored companion that once graced my wallet.

 

[abhiver]

Amex Platinum Travel - My go to Card. Try to use it as much as possible.

Axis VI card. - Use it where Amex is not acceptable.

IDFC wealth Card - Back-up card.

Tata Neu Infinity - For all the UPI Transactions.

I have other cards also which I keep rotating time to time.

 

[Skylar]

Which American Express (AmEx) card would you suggest for a complete beginner who travels frequently by train (and is also interested in air miles, although they could expire before I could use them) and so cashbacks cards would be good?

 

[Jasshugarg]

Also consider at least one RUPAY Credit Card for UPI payments.
Most of the banks offer them with LTF offer

 

[abhiver]

Which American Express (AmEx) card would you suggest for a complete beginner who travels frequently by train (and is also interested in air miles, although they could expire before I could use them) and so cashbacks cards would be good?

Amex SmartEarn or MRCC. You can go through below link to apply. If you use this link then your First Year joining fee will be Nil as well as your Annual fee on MRCC card will be just 1500 +GST instead of 4500.

 

[saurabhmodh94]

Cards which I actually carry in my wallet:

• HDFC Classic - VISA Platinum ---> using as only debit card
• HDFC Regalia - mastercard ---> primary credit card
• HDFC happay - VISA Corporate --> Food Card (consider as alternative of sodexo)
• RBL Playcard - VISA --> BookMyShow 2 Free Tickets (Monthly 600 offer on 5k spent*

Card that I access digitally:

• HDFC Rupay --> using for UPI
• HDFC Swiggy --> For Online Food orders
• ICICI Amazon --> Online Shopping
• Federal Scapia --> using it as Foxex card
• etc.

PS: Few tips using credit/debit cards

1. Disabled Int transactions (Enable only when needed
2. Reduce limit for all type of transactions ( I usually keep around 5k
3. Disable contactless (Enable only if needed
4. Enable Autopay (to avoid any penalties
5. Keep credit utilization under 30% (to maintain good cibil score
6. ... you can add more to this in this thread
   

 

[nikunjduggal]

Cards In My Wallet

• HDFC Infinia - Best overall card for Rewards on Big spends
• Axis Atlas - Best for Govt Spends - To reach milestones and get Miles - Even for Tax payments
• Amex Platinum - Will be closing Soon - Not worth, since not Travelling much for last 2 Years
• Axis Vistara Infinite - Used for Domestic Travel - Can easily complete Milestones

Cards Used Online

• HDFC Swiggy - For all Food & Instamart Orders
• HDFC Tata Neo - Rupay - Using for UPI Payments
• ICICI Amazon Pay - Just for backup
• Neo Global - For International Travel - Used rarely

Cards in Portfolio - Kept in Storage

• Amex MRCC - Just to keep the long standing account life with AMEX
• StanC - Manhattan - Just to keep the long standing account life with StanC

 

[abhiver]

Cards In My Wallet

• HDFC Infinia - Best overall card for Rewards on Big spends
• Axis Atlas - Best for Govt Spends - To reach milestones and get Miles - Even for Tax payments
• Amex Platinum - Will be closing Soon - Not worth, since not Travelling much for last 2 Years
• Axis Vistara Infinite - Used for Domestic Travel - Can easily complete Milestones

Cards Used Online

• HDFC Swiggy - For all Food & Instamart Orders
• HDFC Tata Neo - Rupay - Using for UPI Payments
• ICICI Amazon Pay - Just for backup
• Neo Global - For International Travel - Used rarely

Cards in Portfolio - Kept in Storage

• Amex MRCC - Just to keep the long standing account life with AMEX
• StanC - Manhattan - Just to keep the long standing account life with StanC

Amex Platinum Travel or Amex Platinum Card aka. Charge card

 

[nikunjduggal]

Amex Platinum Travel or Amex Platinum Card aka. Charge card

Platinum Charge

 

[launchcraft]

My first credit card was ICICI Platinum chip card which I have till today and it is just roaming around because after this I got ONECARD, Amazon PAY ICICI CARD easily and now after Platinum it got upgraded to Coral card that too in RUPAY Variant which I use for UPI transactions.
After these I got two cards added to my portfolio with INDUSIND LEGEND CARD and HDFC TATA NEU INFINITY CARD, this one is very useful as it is RUPAY Variant which can be used in UPI and it gives flat 10% DISCOUNT on all tata brands like BIG BASKET,CROMA,TANISHQ, etc.
TOTAL I have 10 credit cards in my portfolio all for different discounts and features.
I always carry my TATA NEU RUPAY CARD, ONECARD for offers around you, sometimes I add AMAZON one too in my wallet but these two are constant.