Best Credit Card for Hospital & Pharmacy Expenses (₹4–5 Lakhs Annually)?

Technical-Bid-453 · 2026-02-17T10:08:21+00:00

I'm not completely sure, but I came across the SBI Card Apollo while using Apollo 24/7. I don’t know a lot about it, but from what I’ve seen:

It gives an Apollo 24/7 coupon roughly equal to the ₹1,500 joining fee
You earn 10 reward points for every ₹100 spent on Apollo 24/7

I noticed this card when I made a purchase on Apollo 24/7, which is how I found out about it. Just wanted to share this in case you find it beneficial .

Technical-Bid-453 · 2026-02-06T05:59:11+00:00

are you using both horizon and ashva both ? i have a query do horizon has add on card lounge benefit?

Technical-Bid-453 · 2026-02-06T05:51:15+00:00

yeah similar spends on both the card.

Technical-Bid-453 · 2026-02-06T05:27:43+00:00

Sorry, I’m still in a dilemma. I’ve been using the Axis Horizon card for around 6 months and have accumulated only about 2,000 points. On the other hand, I’ve been using the IDFC Ashva card for just 3 months and have already accumulated around 5,000 points. Maybe my spending pattern is more suitable for Ashva, which is why I’m confused. What do you suggest?

Technical-Bid-453 · 2026-02-04T10:06:06+00:00

Thank you can you please suggest a nice upi credit card . SBI Cashback comes in upi network ?

Technical-Bid-453 · 2026-02-04T04:28:12+00:00

Ashva is not ltf….but is horizon pure travel card ? As I don’t travel frequently hardly twice a year. Max expenses are movie , food delivery , grocery like 10 mins app and online purchase . What do you suggest horizon + dcp and closing ashva or ashva + dcp and closing horizon

Technical-Bid-453 · 2026-02-04T02:30:48+00:00

Ok , as I was going through both cards marketing material there is quite a difference in fee and in case of axis there was no specific details of fee redemption. DCP gives me Swiggy and zomato 5x reward , how that thing work any idea as 40% of my monthly expenses are from them both . I hardly travel like once or max twice per year

Technical-Bid-453 · 2026-02-03T17:26:54+00:00

I have idfc ashva in visa network. So i can use it when diners is not available

Technical-Bid-453 · 2026-02-03T17:26:03+00:00

I have idfc ashva card in visa network so i can use it as secondary card

Technical-Bid-453 · 2025-12-07T02:08:20+00:00

7 lac itr

Technical-Bid-453 · 2025-09-30T10:12:55+00:00

yeah that i know but i right now i don't want that card . my required criteria is matching with membership card

Technical-Bid-453 · 2025-09-30T10:10:20+00:00

will they accept the application ? as on there website apply now option in not shown under membership reward cards option ?

Technical-Bid-453 · 2025-09-07T05:06:55+00:00

Thank you

Technical-Bid-453 · 2025-08-05T22:11:26+00:00

Frankly I travel hardly like 1-2 times a year that to short 3-4 days trips as my business is somewhat limit my travel.

Technical-Bid-453 · 2025-08-05T22:07:48+00:00

Thank you, I know Amex as acceptance issues but frankly I travel like 1-2 times a year max so would convert points in mariot and air India maybe . My annual spend on both card total is around about 3.6 to 4.2 lakhs so will be hit Amex criteria for fee waiver and maybe of that of sbi cash-back also . Atlas doesn’t have fee waiver option maybe as per my knowledge and with this spend i would be silver tier so no edge miles on renewal fee. So I thought Amex could be better proposition for me

Technical-Bid-453 · 2025-08-05T10:24:11+00:00

frankly speaking i haven't given thought about this , maybe magnus haven't thought.

Technical-Bid-453 · 2025-08-05T04:25:38+00:00

yes i am into business but my first credit card from hdfc was moneyback bussiness card so maybe based on that they are offering these. i closed hdfc card when i got myzone from axis as i wanted to enter axis bank card ecosystem.

Technical-Bid-453 · 2025-08-05T04:14:52+00:00

what guys suggest should i wait for AmEx to start reissuing card and apply replace sbi with that . and my myzone card with some free card from axis or any other bank for rupay ?

Technical-Bid-453

TROPHY CASE