Your most used 3 credit cards?

[shettysrc]

Diners for everything and tata neu for upi.
If diners not accepted then I need to find which one to use.

 

[imdjay]

Infinia
EPM
IndusInd Rupay Platinum

 

[iamdhamo]

Axis Ace online and offline
Amazon ICICI for offline gold purchase if GV not accepted and amazon.
Indusind for offers.
LIT for everything planned.
Tata neu, daily small UPI.

Tried to get SBI CB as my online purchases are very high, but couldn't get it due to high credit leverage.

Try closing indusind if it's platinum and reduce limits in axis ace n tata neu n then apply for sbi cashback

Make sure if u r salaried ur overall CL is max 1.5x of ur package n see

 

[fradela]

Online & Offline: Yes UNI Gold X [5% cashback on online [Amazon, Zepto] and offline stores[Decathlon, lifestyle, max])
UPI: HDFC Tata Neu Infinity
Grocery: RBL Shoprite + HDFC Pixel Play (Smart Bazzar and Reliance Fresh)
Fuel: BoB HPCL Energie

All are Life Time Free Cards.

 

[iamdhamo]

Infinia
EPM
IndusInd Rupay Platinum

How u got epm?

 

[SatyG]

I have 16 credit cards in total, but I use Tata Neu Infinity(Upi+offline), HDFC Swiggy(Amazon, Flipkart, Uber, Swiggy) and Axis Airtel(Utility, Airtel recharge) the most on regular basis.

 

[Finchamp!]

Yes Kiwi - for UPI
Indusind Indulge - for 0 MAB Exclusive A/C + BMS/ Eazydiner Offers
Axis Atlas - for everything else (including fuel using Park+). *Just recently I've taken the Kotak 811 Visa Infinite Metal Debit Card which, at least on paper gives, 7.5% CB on fuel - will test and confirm.

 

[CardTox]

SBI cb, Apay cc, HDFC T Infinity.

 

[iamdhamo]

Bro, the current total limits as per credit report is around 1.5-1.75X of post tax income incl. bonus.
The thing is just before applying SBI I closed a kotak cc which had a limit of 2L.
The major >50% constituent of my available limit is my ICICI core and Apay (Both have a limit of 5.8L but I haven't used core in the last yr or more and it shows 5.2 in credit reports). My axis, indus,AU, HDFC have a combined limit of 9.5L. Which means once kotak is removed from my report my available limit will be less than 1.5X of income.
How do I reduce limits? You mean by surrendering the limit (if it is a feature) or by limiting it using netbanking, in that case I can put the limit of my ICICI cards to 2L each as I don't use them much now.
I also hold a SBI corporate CC (office issued it, I don't think it would be reported in my reports as I am not liable for it)

Can't close any of these cards as (Indus is Pinnacle and I need Int. lounge and 0 forex.)

Also, do they consider loans too?
Also, during my SBI application, I was able to put only half of my name as putting full name (9 alphabets) caused issues due to which either I couldn't put DOB or would get error to try again later, application got through with half name.

Sorry for the long reply, thanks.

Oh ok. I also had over leverage issue n decreased my overall limit to be 1.5L and then applied. It has got approved but name details were correct.

In ur case this also could be a reason for decline

 

[shettysrc]

The GOAT who has all the top cards! Do you have a post on how did you get it?

 

[Raghav2006Raghav2006 is verified member.]

Oh ok. I also had over leverage issue n decreased my overall limit to be 1.5L and then applied. It has got approved but name details were correct.

In ur case this also could be a reason for decline

Understood, and I can reduce my icici limits to 1.5L as I don't have much use these days, but it can be increased after 6 months when I get sbi, right?

And I talked to their pno, they told only over leverage reason.

 

[Raghav2006Raghav2006 is verified member.]

Diners for everything and tata neu for upi.
If diners not accepted then I need to find which one to use.

Bro where do you live? And what is the acceptability of dcb on average, please let me know.
Thank you

 

[shettysrc]

Bro where do you live? And what is the acceptability of dcb on average, please let me know.
Thank you

I live in bangalore. Offline I haven't faced any problem so far in last 2 months. Only online few places it's not accepted which is bit irritating and I was expecting the same. It's just the way to infinia for me.

 

[Raghav2006Raghav2006 is verified member.]

I live in bangalore. Offline I haven't faced any problem so far in last 2 months. Only online few places it's not accepted which is bit irritating and I was expecting the same. It's just the way to infinia for me.

If offline acceptability is good then that's great, most online spends are done from home, therefore family cards can be used.
Thank you so much for your input.

 

[drabhishekladdha]

Hi Everyone,

I know most of us have multiple credit cards. An average around 10-15 credit cards as we all are CC enthusiast. But we also have our workhorses; the cards that we use the most. Let us list are top 3 most used cards and where they are put for used. This will help people to reevaluate their credit card portfolio and update it if needed.

For me the primary cards are:

1. HDFC Infinia - Smartbuy+ generic spends
2. Axis Airtel - Utility, Swiggy, Zomato, Bigbasket, BB Daily
3. IndusInd Easydiner - Dining+ Movie Tickets.

My 3 most used cards are
1. Hdfc biz black
2. Axis magnus burgundy : all generic spends
3. Hdfc infina : for all smartbuy payements

 

[Nishan11]

My top 3 cards which I carry always :-

HDFC DCB METAL
ICICI EMERALDE PRIVATE METAL
AXIS ATLAS

I don't prefer credit card upi & use it very rarely once or twice a month.

 

[iamdhamo]

Understood, and I can reduce my icici limits to 1.5L as I don't have much use these days, but it can be increased after 6 months when I get sbi, right?

And I talked to their pno, they told only over leverage reason.

When I decreased my cards limit from idfc n hsbc they told again limit cannot be increased. I was ok with decreasing since these are not my primary cards. I reduced from 10L to 5L in idfc and 5.3L to 2L in hsbc

 

[tharun]

ration card

Actual ration card or any credit card?

 

[Raghav2006Raghav2006 is verified member.]

When I decreased my cards limit from idfc n hsbc they told again limit cannot be increased. I was ok with decreasing since these are not my primary cards. I reduced from 10L to 5L in idfc and 5.3L to 2L in hsbc

In my case except indus and icici core, I already do use these cards and limit on all of them except apay is already low.
Will apply in another family member's name.

 

[sparkit]

UPI - Kiwi (Almost Daily)
Online Spends - SBI CB
Offline Spends - Infinia
WIFI, Airtel, EB Bills - Airtel Axis
Zomato - Axis Neo
Vouchers - Infinia
Dining, Movies - IndusInd ED Signature
Business bills - Biz Black
Fuel - SBI BPCL, RBL IOCL
Wallet Loads - Amex Cards

These are the cards I use most frequently.