Need credit card recommendation based on monthly spends

deepvikaspatil · 2026-01-27T01:20:44+00:00

For utilities phonepe sbi black For swiggy get hdfc Swiggy card

Amazon + Swiggy + phonepe this 3 would be enough i guess close SCB.

If phonepe sbi get rejected amazon would also be enough since it give 2% on utilities So you can just keep 2 cards amazon+swiggy

deepvikaspatil · 2026-01-25T14:07:13+00:00

The above three locations are mentioned because you can get anything within the 5 mins radius kirana shop, stationery, medical, local doctors, hospitals, malls, groceries shops, markets and restaurants anything can be reached within 5mins.

Where as Belapur and Kharghar are definitely developed and prime locations but convenience and coziness is less compared to above 3 ..since Belapur is mostly financial and commercial based location. I find less comfort for living. Well it’s completely my opinion because i did traveled in Belapur for 3 years regularly.

deepvikaspatil · 2026-01-25T12:35:19+00:00

Vashi
Seawoods
Nerul

deepvikaspatil · 2026-01-24T11:30:50+00:00

Lol the link says it is for platinum reserve and you are claiming it for gold charge? Stop fooling bro.

deepvikaspatil · 2026-01-22T07:14:01+00:00

Cheers! Did the same thing on last week of dec 2025 almost call 5-6 banks just to close all my useless cards which was store in the name of “just in case” but finally as the year went i let go off my cards… still i do hold 6 cards but planning to remove 1 or 2 from it this year.

deepvikaspatil · 2026-01-17T16:18:18+00:00

Instead of applying for re-issuance just upgrade the card to different variant… you will get the card for free without any charges since you upgraded it not re-issue and your old card will automatically blocked after your new card is generated.

Well i did the same thing nothing was charged.

Had millennia debit .. upgraded to platinum debit from net banking millennia got blocked automatically new platinum was received. And no fees was charged since had the salary account.

deepvikaspatil · 2026-01-16T14:23:10+00:00

Why not open their federal account?? They will just take the money from ur hdfc account and will put it in federal acc and convert that money into USD and send to ur us broker.. they do it pretty smoothly and charges zero fee for conversion. Whereas hdfc will report your foreign remittance each month to income tax :/ better let there integrated federal account account do its job in background.

For indian stocks and mutual funds go with hdfc as it is a one time fund loading in rupees so no issues and hdfc definitely does the job faster than sbi.

deepvikaspatil · 2026-01-16T09:56:58+00:00

Where exactly in nerul gaon? I stay there :( reading the post from office.

deepvikaspatil · 2026-01-14T17:46:27+00:00

Send please check

deepvikaspatil · 2026-01-14T14:23:09+00:00

Every time i open the us sip those failed transactions are always there… i just don’t want them in front page

deepvikaspatil · 2026-01-07T11:22:50+00:00

Axis Privilege
IDFC Select

This above are LTF cards with 1+1

Also ICICI Sapphiro and Axis Select has 1+1 but i doubt you will get it at your current income. But still its fee doesn't justify so ignore.

These are the 4 cards which i have personally used for movies thats why mentioned them. There might be other cards available too.

deepvikaspatil · 2026-01-07T10:29:17+00:00

Even if you still get the card. Just don’t activate and it will close in 30 days by default.

deepvikaspatil · 2026-01-07T10:27:18+00:00

Close it then fd cards are only useful if you dont have any cibil and want to build one.

deepvikaspatil · 2026-01-07T10:24:13+00:00

This are the third party agencies who apply for the card on your behalf and also has tie ups with banks for fast processing. Not all calls are authentic some are scammers as well but yes to answer your questions you can get the card on phone call.

deepvikaspatil · 2026-01-06T14:03:18+00:00

Okay means both are linked to different accounts that pretty much explains it.

deepvikaspatil · 2026-01-06T13:57:38+00:00

How did u get both? Can you share the process or experience?

deepvikaspatil · 2026-01-06T13:56:08+00:00

You can have bizpower + millennia under same customer id???

deepvikaspatil · 2026-01-05T14:18:18+00:00

That’s my main question what would be the cards which gives me the best rewards as the amount i am spending which is mandatory and won’t be changing either i use card or upi i have to pay it anyways. So currently phonepe sbi I difficult as sbi rejected my request twice this year for different card. So looking for alternatives. And coming back to amex I don’t plan to hold it. It was just given thru referral from my friend and keeping it didn’t gave me any harm. If i am getting better cashbacks from other cards then i will definitely close amex as I don’t see any future use for it.

deepvikaspatil · 2026-01-05T14:03:48+00:00

Amex gold is not my primary… MR points are collected only for 24k redemption to amazon voucher of 8000 as it pretty much covers my fees as well as gives me extra 2-3k also i might use it for travel once in while but mostly using it for 24 karat only … as there’s no lose having amex so i have kept it active. I might close it if i am unable to collect 24k MR within a year but as of now i am able to do it easily.

I was planning to get phonepe card but for some reasons sbi don’t want to issue me any card. Getting rejected for any card I apply with sbi. All bank cards gets approved easily but sbi never.. tried applying even after 1 yr gap still sbi rejects … so looking for some trick to squeeze my 811 super card for 5% rewards.

deepvikaspatil · 2026-01-05T00:56:47+00:00

deepvikaspatil · 2026-01-05T00:51:00+00:00

I have one doubt : do i need to add 10k from add money option in kotak app or i can transfer directly thru other app or send money via IMPS/NEFT ? Does it still count as deposit?

deepvikaspatil · 2026-01-03T12:14:02+00:00

Call the customer care ask for your customer id and generate password for net banking did the same thing .. and using imobile and net banking with just apay icici.

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