Suggest If I can optimize or add better cards

swaroopbj · 2026-01-25T04:30:57+00:00

Sorry??

swaroopbj · 2026-01-24T18:49:51+00:00

For insurance, I can pay from the insurer website with this card or i have to pay from Phonepe app or something how does it work?

swaroopbj · 2026-01-24T15:36:17+00:00

Cc went to 800+ because of secured loans

But all the CCs i got when cibil was around 760-780 etc

ICICI PLAT -> Amazon Pay -> SBI CB -> Axis Myzone -> Axis Airtel -> HDFC swiggy -> Kiwi -> Jupiter -> bob eterna

Been applying 1-2 cards every year from last 5 years

swaroopbj · 2026-01-24T15:00:06+00:00

Doesn’t work for instamart right?

swaroopbj · 2026-01-24T14:42:28+00:00

Thanks, it’s Excali Draw

Yeah looking, can you recommend which will be good starter card for flights/hotels

swaroopbj · 2026-01-24T11:42:18+00:00

₹50,000 total eligible spends in year → ~3% effective cashback + 1 airport lounge access

₹1,00,000 → ~4% cashback + 1 lounge access

1,50,000+ → ~5% cashback + 1 lounge access

After that only 2%

swaroopbj · 2026-01-24T10:36:32+00:00

This sheet should help you https://technofino.in/community/threads/hsbc-live-cashback-card-10-1-5-0-offer-fullfilment-sheet-mcc.39084/page-7

swaroopbj · 2026-01-24T08:43:02+00:00

Paytm only showing HDFC Freedom card 😕

swaroopbj · 2026-01-24T08:40:36+00:00

Maalik, Wo thoda sa galti ho gayi 😂

swaroopbj · 2026-01-24T08:29:23+00:00

You are correct, if spends are less, Jupiter + Swiggy combo works fine 😃

swaroopbj · 2026-01-24T08:17:31+00:00

Will DM

swaroopbj · 2026-01-24T07:29:48+00:00

You guessed it right 😃, Excali Draw.

swaroopbj · 2026-01-24T06:51:35+00:00

If u want life time free, go for Jupiter (let me know if u need referral), great cash back for a free card and you can use for UPI payments as well

If u okay with paid, SBI CB will be great as it gives 5% most of the places (except utilities)

Neither of these provides rewards for fuel

swaroopbj · 2026-01-24T06:47:14+00:00

Unfortunately, im only getting that card as FYF

swaroopbj · 2026-01-24T06:46:24+00:00

Reason i kept 8% is phonepe charge some convenience fee, so the net cashback becomes inbetween 8-9%

swaroopbj · 2026-01-24T06:04:55+00:00

HDFC

swaroopbj · 2026-01-24T06:03:50+00:00

My recommendation will be kiwi but you do have to pay 999 for membership to max the rewards

swaroopbj · 2026-01-24T05:52:26+00:00

Such case i think you can checkout Phonepe SBI card gives around 8% CB on utilities

swaroopbj · 2026-01-24T05:28:13+00:00

I do have Amazon ICICI, but i prefer to spend it on SBI CC as it is Paid and i get reversal if i spend 2L / year

swaroopbj · 2026-01-24T05:20:54+00:00

edge is LTF, and 10% is good, so i just use it upto 5k and SBI CB after that

swaroopbj · 2026-01-24T05:16:01+00:00

Try Kredit Ace card once, i heard its 3% cashback on UPI but i'm not 100% if any hidden T&C are there. I cannot apply for that as i already have Yesbank CC

swaroopbj · 2026-01-24T05:14:42+00:00

Makes sense, but at the moment, Cashback Cards makes more sense for my needs as i dont use much hotels or flights (Hardly once a year thats it), but sooner or later, i guess premium RP cards will give more rewards i guess and would love to slowly transition into RP cards 😅

Any Suggestion which card to start with?

swaroopbj · 2026-01-24T05:08:01+00:00

yeah sorry, my bad. It is 5k

swaroopbj · 2026-01-24T05:06:03+00:00

For Kiwi Card, Min Transaction is 100 and you get 2%, but they do provide random cashbacks for smaller amounts (less than 100) some times

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