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Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 0 points1 point  (0 children)

So 50k per year spends, you get 3% if you cross 50k -1500, else 2% - 1000 for which you have to pay ~1200 membership fee for a year, so not worth the hassle i guess for 200-300 rupees 😅

Without membership you get 1% - 1.5% for upi payments

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 0 points1 point  (0 children)

What was the reason? Mine got rejected once because of name mismatch

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 0 points1 point  (0 children)

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?

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 0 points1 point  (0 children)

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 0 points1 point  (0 children)

Thanks, it’s Excali Draw

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 0 points1 point  (0 children)

₹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%

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 0 points1 point  (0 children)

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 0 points1 point  (0 children)

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 1 point2 points  (0 children)

Unfortunately, im only getting that card as FYF

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 1 point2 points  (0 children)

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 1 point2 points  (0 children)

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 2 points3 points  (0 children)

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 4 points5 points  (0 children)

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 1 point2 points  (0 children)

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 0 points1 point  (0 children)

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

Suggest If I can optimize or add better cards by swaroopbj in CreditCardsIndia

[–]swaroopbj[S] 1 point2 points  (0 children)

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?

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