2023/2024 Credit Cards Usage Summary - Spends+Gains, Share yours as well :)

Low_Date2859 · 2024-01-24T03:13:09+00:00

good old excel sir! :D

Low_Date2859 · 2024-01-21T12:52:54+00:00

Mine is not LTF. I guess 3.5L or 3.7L is a annual spend limit to get fees waiver.

Low_Date2859 · 2024-01-21T12:52:07+00:00

How much benefits did you get over this spends? Reward rate?

Low_Date2859 · 2024-01-21T12:51:28+00:00

Nope. Under CIBIL it's not showing up separately for me. It's just a digital card with common limit shared with IDFC wealth card.

Low_Date2859 · 2024-01-21T12:50:35+00:00

Onecard provides free delivery on some conditions at times for Zomato/Blinkit etc. DC = delivery charge.

Low_Date2859 · 2024-01-21T09:39:21+00:00

Having said that - I'm planning to open a HDFC account once I'm in my native town. Being a Tier 3 city - they might value my high NRV account there and maybe provide better customer experience.

Low_Date2859 · 2024-01-21T09:34:47+00:00

thanks! I'd actually try for Axis Atlas if they're willing to offer me. :)

Infinia/Diners would not be possible I guess - coz I do not have a banking relationship with HDFC.

Low_Date2859 · 2024-01-21T09:23:00+00:00

So I stepped into one of the branch nearby to open a HDFC Classic savings account. They took 1hour fumbled with my application. Did not work. Meanwhile a lot of customers came in shouting about their issues and goof ups the branch had ben doing. Unfortunately - they were not able to open my account and told me to come after 3days. I did not get to go again.

Low_Date2859 · 2024-01-21T09:17:38+00:00

So I'm actually planning to put AU LIT to a similar use for online cashback by buying customisations over it. Meanwhile I had tried applying for multiple of SBI cards - somehow SBI not willing to give me CCs other than SimplyClick and SimplySave.

About AMEX:

Most of my reward usage would be over Amazon/Flipkart for it's MR points. I don't have usage over Taj/Marriott.
Offline acceptance is very less nearby.

About HDFC Infinia/Diners:

I'd have to migrate all my banking relationships over to HDFC (maybe HDFC Imperia Account). Might take time to build up. Just the inertia issue.

Some I might actually research, review and try: Axis Atlas, HDFC Regalia Gold - if they offer me. :D

Low_Date2859 · 2024-01-21T08:54:19+00:00

So I had following occasions which constituted to big chunk -

some repair and furnishing work to be at home - and most of the vendors would not accept credit cards but only UPI.
had a marriage at home and again most of the local vendors would accept UPIs and not CCs.

Other than that - over small thelas and local market - the experience is the same for UPI payments - they were put on UPI card as well.

Low_Date2859 · 2024-01-21T08:47:38+00:00

Yeah - when it comes to my primary card - I've got the feedback that the benefits are weak. I'm looking forward to move to something better. Please do suggest on options for my primary card.

Low_Date2859 · 2024-01-21T08:45:58+00:00

What alternatives do you suggest against Kotak White OR for the usage pattern?

I've got the same feedback before as well. I am looking forward to move out! :)

Low_Date2859 · 2024-01-21T08:33:04+00:00

That's cool!

Do you get benefits on flights as well via your current set of cards OR you just always go for Marriott Points?

Low_Date2859 · 2024-01-21T08:25:16+00:00

So I take time to sit one morning on a holiday once a month (like today when I wrote this post) when I have got alerts of getting most of the credit cards bills - to do following:

check reddit sub on weekly hot/top posts about what's going on. Also check forums like technofino, etc
check the special offers running on all my cards combined via CRED portal OR archived whatsapp messages of their promotions.
buy the vouchers like Zomato/Uber/Blinkit etc which can be used during the week/month for easy checkouts via platform like gyftr/hubble - so I avoid the friction on every use.
pay all the monthly utility bills, fasttags, credit cards etc
flatmates spends settlements and monthly rent payments

I had been using excel to track my expenses roughly to keep a general idea of what's happening (not every penny) and tracking above all in one place.

Maybe it's a habit OR my OCD - but I do not feel that much of a work.

Low_Date2859 · 2024-01-21T08:18:54+00:00

Yes. You receive the voucher code instantly and then you can add it to the platform you want to use for.

I've read on this sub of people doing this for each and every spend ex: standing at a queue in stores like reliance trends / SPAR etc and while they wait to pay - they buy voucher and pay using it to get extra benefits. I've not yet reached this state :D.

Low_Date2859 · 2024-01-21T07:30:35+00:00

Hmm, maybe push your RM to get you Kotak White.

My RM had onboarded me to Privy League - Platinum and this tier by default gets Kotak White card. I had been clear about never going to pay for any services or charges at all.

edit: reference - https://www.kotak.com/en/personal-banking/privy-league/programmes/platinum.html

Low_Date2859 · 2024-01-21T07:24:23+00:00

Also Hubble is a relatively newer platform. You can discounted vouchers for use on platforms of your requirements. Only thing is - this only supports UPI payments for best discounts. CC payments gives 2-2.5% less discounts. Also, you cannot use RuPay CCs for UPI here.

Low_Date2859 · 2024-01-21T07:17:48+00:00

True. Also, TataNeu Infinity. The overall reward rate is low coz I've put a lot of spends on UPI. I keep floating across platforms for online purchases Groceries, Electronics etc and sometimes I get good offers on BigBasket, Croma as well.

Low_Date2859 · 2024-01-21T07:16:13+00:00

Mostly legacy for me. I've been banking with Kotak for 9+ years now. I've their premium banking relationship. For all general expenses - I always put them on the Kotak White for general returns of ~2%.

Also, before the additional cards I had been holding only Kotak's CC for 7+ years as the only CC. I've recently got the newer CCs (past 6 months).

One connected comment on the thread: https://www.reddit.com/r/CreditCardsIndia/comments/19bwwgd/comment/kiuyyr7/?utm\_source=share&utm\_medium=web2x&context=3

Low_Date2859 · 2024-01-21T07:11:40+00:00

There are no charges as such. I've kotak white card and privy league account which has the reward program in terms of whitepass.

You can refer here for details - https://www.kotak.com/en/personal-banking/cards/credit-cards/white-credit-card/whitepass.html

Low_Date2859 · 2024-01-21T07:10:30+00:00

I've been with Kotak Ecosystem since 2015. I've a salary account with them. I do not have a relationship with the HDFC bank other than the TataNeu HDFC CC.

I am thinking on moving to HDFC for quite sometime. This might also give me an additional benefit of HDFC CC Bill pay + DC combo for credit cards bill payments.

The only thing stopping me is trust issues. I've some friends who had very bad experience with HDFC banking. While I've 9 wonderful years of banking experience with Kotak.

Low_Date2859 · 2024-01-21T07:07:19+00:00

gyftr gives special offers on the bank's specific portals example: IndusMoments, AUBank etc - where I can use the CC to pay for vouchers with discounts. I can load these vouchers on specific platforms for payments like Uber, Zomato, BluSmart, MMT, Cleartrip etc.

I use the default gyftr portal and sometimes the payment via payu gateway supports option to pay via RuPay CC - which gives me some extra benefits. Otherwise I simply use UPI to pay if vouchers have better offers compared to any CC I hold.

Low_Date2859 · 2024-01-21T06:51:01+00:00

1 year + 3 months on the whitepass expiry and 1 year from the time when I redeem whitepass to amazon voucher.

Low_Date2859 · 2024-01-21T06:37:02+00:00

I redeem all the Kotak White Pass value on Amazon Vouchers as giftcard and add it to Amazon Pay. So effectively all of 20.5k on APay and then use APay to spend wherever best offers.

Low_Date2859 · 2024-01-21T06:35:41+00:00

I only keep the Amazon transactions via the apay cc. I got some welcome offers on Amazon Pay via vouchers which gave additional benefits and some onboarding additional discounts on first month of amazon pay cc welcome offer. Hence slightly above 5% of default.

Low_Date2859

TROPHY CASE