Which cards to use for my spendings (~4L)

[NewIntern]

Based on my last fiscal year purchases, I have created this estimate, now I need help in planning out which cards & platforms I should use to maximize the cashback & rewards on my transactions. I have already gone through a lot of posts here on forum & videos on TF youtube channel and have created a basic plan, need feedback from you guys to improve my plan & maximize rewards

Cards I own:

Credit Cards

1. ICICI Amazon
2. HDFC Millennia
3. HDFC Tata Nue Plus
4. OneCard
5. ICICI Platinum
6. Axis Neo
7. IDFC First Select
8. Indusand Legend
9. RBL paisa bazaar Duet card
10. ICICI Coral Rupay card

Debit Cards

1. Kotak Visa Debit card
2. Indusand Mastercard Debit card
3. ICICI Visa Debit card
4. SBI Rupay Debit card
5. Canara Rupay Debit card

Plan:

Category	Payment Method	Expected Rewards, paid through platform & comments
Online shopping (Amazon, myntra, Flipkart & Ajio)	HDFC Millennia	5%, direct on ecommerce website
Life & Health Insurance	ICICI Amazon	1%, Insurance company website
Other	Nue Plus or normal UPI	1.5% or nil, direct purchase
Miscellaneous Visa/master (Kirana, cafe, any offline purchase)	ICICI Amazon	1%, direct purchase
Food (online) (zomato, swiggy, eatsure, MacD App, Lapinoz App, Dominos App)	HDFC Millennia(select patner) or Amazon ICICI (other third party apps)	5% (select patner) or 1% (direct purchase)
Food (offline)	ICICI Amazon or Nue Plus	1% or 1.5%
Dmart, Relience Fresh	ICICI Amazon	1%
Elecricity Bill	Amazon giftcard	5%, purchased on amazon using HDFC milennia
Hotel Booking	ICICI amazon	1%, using makeMyTrip & other platforms
Miscellaneous Rupay (Kirana, cafe, any offline purchase)	Nue Plus or ICICI Amazon	1.5 or 1%
Train Booking	ICICI Amazon	1%, IRCTC website
Gas Cylinder	Amazon giftcard	5%, purchased on amazon using HDFC milennia
Online Services - Jio Fiber	ICICI Amazon	1%, using Jio mobile app
Mobile Recharge (Jio & BSNL)	Amazon giftcard	5%, purchased on amazon using HDFC milennia
Tax (property & water)	ICICI Amazon	1%, directly through Govt website
Petrol	ICICI Amazon	0%
Online Services - Chatgpt	OneCard	-1% (forex fee), openAI platform, Onecard has lowest forex I think
Flight Booking	ICICI Amazon	1%, any flight booking platform
Airtel d2h	ICICI Amazon	1%, using Airtel Thanks app
Online Services - Yt Premium	playstore gift card	5%, purchased on amazon using HDFC milennia

Please give me your feedback & help me improve my plan, All CC are LTF. All debit cards have their annual 200-300 maintenance fee.

 

[abhimarda]

View attachment 721

Based on my last fiscal year purchases, I have created this estimate, now I need help in planning out which cards & platforms I should use to maximize the cashback & rewards on my transactions. I have already gone through a lot of posts here on forum & videos on TF youtube channel and have created a basic plan, need feedback from you guys to improve my plan & maximize rewards

Cards I own:

Credit Cards

1. ICICI Amazon
2. HDFC Millennia
3. HDFC Tata Nue Plus
4. OneCard
5. ICICI Platinum
6. Axis Neo
7. IDFC First Select
8. Indusand Legend
9. RBL paisa bazaar Duet card
10. ICICI Coral Rupay card

Debit Cards

1. Kotak Visa Debit card
2. Indusand Mastercard Debit card
3. ICICI Visa Debit card
4. SBI Rupay Debit card
5. Canara Rupay Debit card

Plan:

Category	Payment Method	Expected Rewards, paid through platform & comments
Online shopping (Amazon, myntra, Flipkart & Ajio)	HDFC Millennia	5%, direct on ecommerce website
Life & Health Insurance	ICICI Amazon	1%, Insurance company website
Other	Nue Plus or normal UPI	1.5% or nil, direct purchase
Miscellaneous Visa/master (Kirana, cafe, any offline purchase)	ICICI Amazon	1%, direct purchase
Food (online) (zomato, swiggy, eatsure, MacD App, Lapinoz App, Dominos App)	HDFC Millennia(select patner) or Amazon ICICI (other third party apps)	5% (select patner) or 1% (direct purchase)
Food (offline)	ICICI Amazon or Nue Plus	1% or 1.5%
Dmart, Relience Fresh	ICICI Amazon	1%
Elecricity Bill	Amazon giftcard	5%, purchased on amazon using HDFC milennia
Hotel Booking	ICICI amazon	1%, using makeMyTrip & other platforms
Miscellaneous Rupay (Kirana, cafe, any offline purchase)	Nue Plus or ICICI Amazon	1.5 or 1%
Train Booking	ICICI Amazon	1%, IRCTC website
Gas Cylinder	Amazon giftcard	5%, purchased on amazon using HDFC milennia
Online Services - Jio Fiber	ICICI Amazon	1%, using Jio mobile app
Mobile Recharge (Jio & BSNL)	Amazon giftcard	5%, purchased on amazon using HDFC milennia
Tax (property & water)	ICICI Amazon	1%, directly through Govt website
Petrol	ICICI Amazon	0%
Online Services - Chatgpt	OneCard	-1% (forex fee), openAI platform, Onecard has lowest forex I think
Flight Booking	ICICI Amazon	1%, any flight booking platform
Airtel d2h	ICICI Amazon	1%, using Airtel Thanks app
Online Services - Yt Premium	playstore gift card	5%, purchased on amazon using HDFC milennia

Please give me your feedback & help me improve my plan, All CC are LTF. All debit cards have their annual 200-300 maintenance fee.

If you can add SBI cashback card to your portfolio of cards it will improve the returns in some categories. As you can buy Amazon gift card from Amazon and get 5% cashback on same. From such amount pay insurance premium on Amazon. All online food purchases will earn 5% cashback as well. For Dominos you can buy discount coupons from Amazon (11% discount) and then get 5% cashback on net paid amount. Jio fiber can be paid using Amazon pay, so effectively 5% cashback again. In flight booking also SBI cashback will give 5% cashback on all the websites. The card has joining and renewal fees of 999+gst

 

[NewIntern]

If you can add SBI cashback card to your portfolio of cards it will improve the returns in some categories. As you can buy Amazon gift card from Amazon and get 5% cashback on same. From such amount pay insurance premium on Amazon. All online food purchases will earn 5% cashback as well. For Dominos you can buy discount coupons from Amazon (11% discount) and then get 5% cashback on net paid amount. Jio fiber can be paid using Amazon pay, so effectively 5% cashback again. In flight booking also SBI cashback will give 5% cashback on all the websites. The card has joining and renewal fees of 999+gst

Thank you for replying. for purchasing giftcards on Amazon, so my HDFC millenia card also give 5% reward points
Jio fiber only allow bill payment from their app, they are not listed in amazon vendor list

 

[Hey_5]

Until now i didn't buy clothes in online apps,
so can anyone tell me how is myntra and ajio clothes and their service
and what are the best ways to buy in these apps

 

[Hey_5]

take hsbc cashback credit card
10% cashback upto 1000 on grocery, food delivery and dining
and on other eligible categories 1.5% cashback

 

[abhimarda]

Thank you for replying. for purchasing giftcards on Amazon, so my HDFC millenia card also give 5% reward points
Jio fiber only allow bill payment from their app, they are not listed in amazon vendor list

I am saying to pay jio fiber bill from their own app only, however under wallets option you have Amazon Pay as an option.

 

[NewIntern]

take hsbc cashback credit card
10% cashback upto 1000 on grocery, food delivery and dining
and on other eligible categories 1.5% cashback

Thank you

 

[NewIntern]

I am saying to pay jio fiber bill from their own app only, however under wallets option you have Amazon Pay as an option.

Oh I misunderstood, Thank you for clarification

 

[palan]

If you can add SBI cashback card to your portfolio of cards it will improve the returns in some categories. As you can buy Amazon gift card from Amazon and get 5% cashback on same. From such amount pay insurance premium on Amazon. All online food purchases will earn 5% cashback as well. For Dominos you can buy discount coupons from Amazon (11% discount) and then get 5% cashback on net paid amount. Jio fiber can be paid using Amazon pay, so effectively 5% cashback again. In flight booking also SBI cashback will give 5% cashback on all the websites. The card has joining and renewal fees of 999+g

If you can add SBI cashback card to your portfolio of cards it will improve the returns in some categories. As you can buy Amazon gift card from Amazon and get 5% cashback on same. From such amount pay insurance premium on Amazon. All online food purchases will earn 5% cashback as well. For Dominos you can buy discount coupons from Amazon (11% discount) and then get 5% cashback on net paid amount. Jio fiber can be paid using Amazon pay, so effectively 5% cashback again. In flight booking also SBI cashback will give 5% cashback on all the websites. The card has joining and renewal fees of 999+gst

Is SBI card is giving caseback on gift card purchases??

 

[abhimarda]

If purchased from Amazon...then yes...if purchased from anywhere else ..then No.