3 Card Portfolio Suggestions

[soumitrasg]

Asking for a friend - He has a Infinia and is looking to apply for two more cards.

Main spends are in travel (airline, hotel - family trips), eating out (weekend parties), groceries and school fees.

Please suggest two more cards to complete the 'All purpose 3 card portfolio'

Thanks

 

[theglobalinvestor]

Olympus/atlas
Infinia
Epm/times black

 

[soumitrasg]

Olympus/atlas
Infinia
Epm/times black

Thanks for the suggestion.

I am curious on how you would ideally use Olympus/Atlas?

 

[theglobalinvestor]

Thanks for the suggestion.

I am curious on how you would ideally use Olympus/Atlas?

Olympus for all travel. Atlas for all domestic travel.

 

[VSC]

Asking for a friend - He has a Infinia and is looking to apply for two more cards.

Main spends are in travel (airline, hotel - family trips), eating out (weekend parties), groceries and school fees.

Please suggest two more cards to complete the 'All purpose 3 card portfolio'

Thanks

Groceries if offline hsbc live plus, if online can use vouchers through infinia.

 

[BVCBVC is verified member.]

Olympus for all travel. Atlas for all domestic travel.

Just a reminder Olympus is not yet launched, so he can't apply for now.

Atlas would work well.

 

[BVCBVC is verified member.]

Asking for a friend - He has a Infinia and is looking to apply for two more cards.

Main spends are in travel (airline, hotel - family trips), eating out (weekend parties), groceries and school fees.

Please suggest two more cards to complete the 'All purpose 3 card portfolio'

Thanks

For travel related spends try to include Axis Atlas, ICICI EPM or Times Black.

If amex was active Plat Travel would've been the better choice. Try to include HDFC Marriott for no nonsense lounge access.

Eating out IndusInd Premium cards or IndusInd ED card.

 

[BVCBVC is verified member.]

For more information look at this link.

Thread 'Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino'

Dec 31, 2024

Hello TFCians,

First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family.

As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending in 2025.

In each category, I will be suggesting a range of credit cards, spanning from lifetime...

• TechnoFino
• best cards credit cards
• Replies: 147
• Forum: Informative Threads

• 
• 
• 

 

[tiklr]

I have a similar query. Have an Infinia and an EPM which cover most of my online spends plus the points from those cover travel spends.

Looking for a card for just the excluded/ low yield big-ticket spends. The main categories for me in descending order of spend under this are -

1) Tax payments (Income tax and property tax)
2) Offline spends in retail outlets
3) School Fee (via cashfree link)
4) Society Maintenance (only via upi)
5) Fuel spends
6) Insurance payments

Just looking add preferably one or max two more cards which can cover majority (if not all) of the above. Considering a milestone based card where the above spends can be counted as part of milestones even if not accruing any points for that. Any suggestions welcome. Thanks in advance!

 

[Virtual King]

Just looking add preferably one or max two more cards which can cover majority (if not all) of the above.

I am using SBI BPCL Octane credit card (Visa) for the last one year plus. I think it has many positives including fuel spends. Some of these are as under:-

• Fuel Reward Rate - 6.25% reward rate on fuel spends + 1% fuel surcharge waiver.
• Base Reward Rate - 2.5% base reward rate for Groceries, Departmental Stores, Movies & Dining.
• Gas Reward Rate - 6.25% rewards on gas cylinders of Bharat Gas through their app.
• Domestic Lounges - 4 complimentary visits per calendar year (1 per quarter) to domestic Visa lounges in India (no spend criteria).
• Welcome Benefits - 6,000 bonus RPs which are equivalent to Rs 1,500 (@ 4 RPs = Rs 1) after the payment of joining fee.
• Milestone Offer - Worth Rs. 2,000 from Aditya Birla Fashion, Yatra, Urban Ladder, Hush Puppies or Bata on annual spends of Rs. 3L.
• Annual Fee Waiver - Annual fees of Rs 1,499 + 18% GST (=Rs 269.82) = Rs, 1,768.82 are waived off on spending Rs. 2L in a year.
• Late Payment Charges - Nil, for late payments up to Rs 500.
• New SBI Card - Another new SBI card can be processed within 4 days without further documentation.
• Add-on Cards - Up to 3 add-on cards, free of cost (for your spouse, parents, siblings and children over 18 years of age).

So, as I see it, Octane has much more to offer than mere fuel rewards. You can take your considered and informed call. Some more insights on the card are available on this thread here.

Hope this helps. 🙂