How are you making the best use of your existing credit cards?

[DrHits]

1. HDFC- DCB METAL as primary for all spends / offline spends. Got twice Quarterly milestone 10K bonus points for 4L spends in dec / March cycle.
2. Swiggy - IKYK
3. TATA neu Infinity -BB - Tata Neu app + UPI
4. AMEX PLAT Travel - 4L spend already - kept in cupboard till dec now. ( I got 1900 RP For gold / Silver purchase last month from this card on spend of almost 98K )
5. IndusInd Easydiner - Movies, Dining discount / PVR INOX popcorn 🍿
6. IDFC Mayura - International spends / Zero forex- used for last trip to Malaysia , now will shift to Scapia hereafter , as I won’t renew Mayura. Also for BMS offers
6. Sapphiro - BMS - as I watch 2-3 movies every month.
7. SBI OCTANE - FYF - FUEL

Have 10 other cards 💳 mostly LTF for offer bases / KOTAK Myntra / ICICI AMAZON for specific website based cards!

 

[S U D O]

5-10k every month on clothes via cashkaro for 80% or higher cashback through triple dipping

80% 😵 how ?

 

[Adith]

80% 😵 how ?

Made a recent post on reddit regarding this.

https://www.reddit.com/r/CreditCardsIndia/s/lSoACZFGl7

Fyi, currently waiting on cashback to credit cause I redid the same for even higher savings. But there was an issue from cashkaro side so I'm waiting for it to be fixed. If it's fixed , I got around 11 clothes for 80 rs each . Which includes skirts for wifey that easily sell for 1000 each on myntra.

 

[maheshspanicker]

I use the co-branded cards on Amazon, Flipkart and Tata Neu. Also use HDFC Millenia some times, depending on other general spends on that card, in case I can meet the milestone target. Use RBL Monthly Treats on Uber, Zomato and Myntra. Use AU zenith on dining out unless booking through Eazydiner, where I use the co-branded IndusInd card. Use the latter for movie bookings too. Use Tata Neu Innfinity for usual offline spends, and use AU Zenith on other grocery spends offline and online. Go through Grabdeals when using Flipkart Axis. Use SCB Titanium for fuel spends, and in case if it exceeds the cashback limit, use Amex MRCC or RBL Monthly Treats in case it needs target meeting for the month. Use other cards for upfront discounts, mostly handy are PNB Rupay Select and Federal Imperio. Amex is useless offline more often than not, and in case using it for Amazon vouchers, try using it on Uber to get another 5 % back.

 

[maheshspanicker]

I haven't quite got the hang of HDFC Smartbuy with Millenia. How exactly does the extra cashback work on the card? Is it only for vouchers?

 

[jk51]

Hello all,
Not everyone can get the best cards like EPM, Infinia, M4B and the likes. Also, not everyone know how to make the best use of their cards.
Even those with the bestest of the best cards may be using them in the least effective way such that rewards are not the best.
Like for example, even after having an Infinia, there are people who don't know about SmartBuy. (non-ccgeeks)

Another scenario is majority of the people who do not get the best cards, but have to be satisfied with their mid-tier cards.
Even in such cases, there are ways to juice out maximum benefits from such cards, and get a higher returns.
Sometimes, these could be straightforward use of the cards on some apps or platforms, or in other cases, it would be double-dip or triple-dip hacks.

I am writing this thread to collate the experiences of your best case usage of your existing cards. (Mainly aimed at mid-tier cards, not the top premium or luxury ones.)
Even with mid-tier semi-premium cards, we can get some awesome benefits on daily purchases, which is almost as good as what we get from those premium cards.
Inviting you to share your experiences on what were some unforgettable uses of your cards.

I echo the sentiment of being into Mid-tier cards as in my case I dont travel the way these cards can help me utilize it to the fullest extent and secondly (owing to the first reason itself) I am fairly new to the miles game (which I was not till recent times) apart from the usual reason of not being eligible for any invite only cards. Initially thought to pursue Infinia actively but left it 4-5 years back since the journey itself warranted losing out on potential rewards with no guarantee on upgrade simply made my decision easier to stick with other options more suitable for my case.

Hence till now I have largely been a cashback/voucher person

Following is my list where most of the spends are concentrated hence not mentioning other cards meant for offer only use:

Paid:

- Two set of Trifectas
- Axis Atlas (recent addition)
- SC Ultimate
- Airtel Axis

LTF:

- Tata Neu Infinity
- Kotak Pvr Inox
- Indusind EazyDiner Signature
- SBI Cashback
- RBL Play
- One Card

Most recent memorable experience has been Amex acceptance on direct swipe for school fees without any charges. Another experience has been using one year’s worth of Amex points to book a two wheeler online through Flipkart.