Which should be my next card?

[AshwiniS]

I have following cards
Free due to spends:
1. HDFC Regalia Gold: My primary card
2. SBI Cashback: APay gift card + Random Online purchases
3. Amex Plat Travel: Apay Vouchers + Other spends (I have the option to use points to cover my charges)
4. ICICI Saphiro: LTF under Alumni program
Paid Cards:
1. IDBI PowerPlus: UPI, Fuel and Gas purchases (499 + GST)
2. Tata Neu Plus: UPI payments (Wife, she's not working anymore) (499+GST)

I can take my next card now and am thinking on one of the following cards: What do you all suggest?

1. HDFC Neu Infinity (Under my name as Wife's not getting anymore cards)
2. SBI PhonePe Black
3. Kiwi
4. IndusInd Tiger
5. Au Lit Card
6. Axis Atlas (wanna try at least once to get it)
7. HSBC Live plus

Most of my spends are online and some occasionally offline. I want to take a card which I can get free under 2-4 lakhs spend a year. Can cover insurance. Give me better options during Sale days.

 

[amitvicky]

Kiwi
Indusind tiger

Have you considered Axis Airtel... Get it if you use airtel products.

HSBC Live+ of your spends are good enough on grocery.

Axis atlas has been discontinued I guess.

Neu only if you use tata ecosystem heavily.
AU lit for AU offers

Sbi phone pay black - not recommended, you already have sbi cashback cc.

 

[knagar0078]

For all your needs, I believe Tata Neu Infinity will be a great card.
I had this card for 3 months now, spent 4-5 lakh and got 20K reward points with ₹1 value on all Tata Brands, it's really a good card, no matter if you get the SBI Bank's or HDFC Bank's.

I am looking forward to get and try the SBI PhonePe Black Card. I think it's also a good card for these spendings but remember for Tata Neu the max Insurance benifit is capped at ₹40,000, I mean after spending ₹40,000 you will not get any NeuCoins.
This is what I suggest based on your requirements but if I was at your place I will also get Indusind Tiger later on to cover my movie and Lounge needs.

The Credit Limit on my SBI TataNeu Infinity is an issue, since it's only been 3 months now, can you suggest me how can I get a better limit on that card.
Current Limit is 1,96,000, usually exhausting the 98% of my Credit Limit ( prepaying the bill, before the bill generation cycle) and my total credit utilisation is used 30% even after using the complete 1,96,000 Credit Limit on the Credit Bureaus like CIBIL.

I am self employed business owner but the SBI agent got me the card under Salaried category (Manager as the post).

What can I do to get a better Credit Limit?

 

[amitvicky]

For all your needs, I believe Tata Neu Infinity will be a great card.
I had this card for 3 months now, spent 4-5 lakh and got 20K reward points with ₹1 value on all Tata Brands, it's really a good card, no matter if you get the SBI Bank's or HDFC Bank's.

I am looking forward to get and try the SBI PhonePe Black Card. I think it's also a good card for these spendings but remember for Tata Neu the max Insurance benifit is capped at ₹40,000, I mean after spending ₹40,000 you will not get any NeuCoins.
This is what I suggest based on your requirements but if I was at your place I will also get Indusind Tiger later on to cover my movie and Lounge needs.

The Credit Limit on my SBI TataNeu Infinity is an issue, since it's only been 3 months now, can you suggest me how can I get a better limit on that card.
Current Limit is 1,96,000, usually exhausting the 98% of my Credit Limit ( prepaying the bill, before the bill generation cycle) and my total credit utilisation is used 30% even after using the complete 1,96,000 Credit Limit on the Credit Bureaus like CIBIL.

I am self employed business owner but the SBI agent got me the card under Salaried category (Manager as the post).

What can I do to get a better Credit Limit?

Spends of 4-5 lakhs and 20k points... That is around 4% return...

I would really suggest to get some high end cards like infinia or icici private metal or some axis card if your spends are regularly this much...
This will get you better returns upto 20% and in some cases upto 35% in terms of miles.

Sbi phone pe - I said no coz people are facing MCC issues.
You pay insurance thinking you will get around 7.5% return after deducting fee but due to MCC, people get back only 1% back.
So basically people are spending 1.5% to pay insurance premium to thru sbi phone pe black on phonepe.

 

[spal_98]

Indusind tiger credit card is the best option

 

[AshwiniS]

Kiwi
Indusind tiger

Have you considered Axis Airtel... Get it if you use airtel products.

HSBC Live+ of your spends are good enough on grocery.

Axis atlas has been discontinued I guess.

Neu only if you use tata ecosystem heavily.
AU lit for AU offers

Sbi phone pay black - not recommended, you already have sbi cashback cc.

Was thinking Kiwi as well. But I will try to get Atlas first through some inside sources. If not, then Kiwi. Axis Airtel has devalued a lot and I dont see any sense in using it anymore. My utilities expenses per month is approx 10k and as such Phonepay is lucrative. I can also use both Phonepe and Cashback and make both free for me due to my spends.
I dont use Tata products extensively but if i get Infinity LTF, I will move from dmart to big basket. I am also using my IDBI Power plus as my UPI card which is not giving any benefits. As such Kiwi/Infinity is in my mind.

 

[AshwiniS]

For all your needs, I believe Tata Neu Infinity will be a great card.
I had this card for 3 months now, spent 4-5 lakh and got 20K reward points with ₹1 value on all Tata Brands, it's really a good card, no matter if you get the SBI Bank's or HDFC Bank's.

I am looking forward to get and try the SBI PhonePe Black Card. I think it's also a good card for these spendings but remember for Tata Neu the max Insurance benifit is capped at ₹40,000, I mean after spending ₹40,000 you will not get any NeuCoins.
This is what I suggest based on your requirements but if I was at your place I will also get Indusind Tiger later on to cover my movie and Lounge needs.

The Credit Limit on my SBI TataNeu Infinity is an issue, since it's only been 3 months now, can you suggest me how can I get a better limit on that card.
Current Limit is 1,96,000, usually exhausting the 98% of my Credit Limit ( prepaying the bill, before the bill generation cycle) and my total credit utilisation is used 30% even after using the complete 1,96,000 Credit Limit on the Credit Bureaus like CIBIL.

I am self employed business owner but the SBI agent got me the card under Salaried category (Manager as the post).

What can I do to get a better Credit Limit?

i have spread my Insurance payments to be covered using Apay gift card so am sorted. Also, I have regalia gold as well for Insurance payments. Basically Insurance spends (approx 1 Lakh per year) is not a major expense for me to get a separate card. The valuback/cashback I get from SBI CB or HDFC RG is sufficient for me.
for movies, I have Saphiro. For lounge access - RG and Amex. Tiger is a good to have and I will try to get it under Wife's name.
Logic for phonepay is utility spends and grocery spends. If i get this, I will use CB first for random online spends.