Best Credit card combos 2025

[Joltpost]

I think in my opinion these are the best credit card combos of 2025

SBI Cashback + HSBC Live+ + HSBC Cashback + SBI Phonepe Select Black/HDFC Phonepe Ultimo

With this combo, pretty much all your spends are reduced considerably because the cashback is credited in the card account.

Agree or disagree?

 

[ashwinikumar900]

1. INFINIA + BIZ BLACK + RUPAY (PHONEPE SBI/HDFC)
2. EPM + BIZ BLACK + RUPAY (PHONEPE SBI/HDFC)
3. DCBM + BIZ BLACK + RUPAY (PHONEPE SBI/HDFC)
4. TIMES BLACK + BIZ BLACK + RUPAY (PHONEPE SBI/HDFC)

 

[Shubham Yadav]

More cashback + LTF + Right MCC + Eternal loophole = Great combination = TF cian Knowledge

 

[hender]

I think in my opinion these are the best credit card combos of 2025

SBI Cashback + HSBC Live+ + HSBC Cashback + SBI Phonepe Select Black/HDFC Phonepe Ultimo

With this combo, pretty much all your spends are reduced considerably because the cashback is credited in the card account.

Agree or disagree?

Jugaad + Friends having good Cards
Joke aside,
It's a very good combo, the cashback people surely love to have this.

 

[TripleAce]

1. INFINIA + BIZ BLACK + RUPAY (PHONEPE SBI/HDFC)
2. EPM + BIZ BLACK + RUPAY (PHONEPE SBI/HDFC)
3. DCBM + BIZ BLACK + RUPAY (PHONEPE SBI/HDFC)
4. TIMES BLACK + BIZ BLACK + RUPAY (PHONEPE SBI/HDFC)

BizBlack all the way!!
While other cards can be versatile, BizBlack is unique for all the good reasons and an all-rounder too.

 

[Joltpost]

...biz black is only eligible for self employed though.

 

[HumorSimpson]

HDFC millenia CC on rupay itself is a good combo of all the best cards for most -> 5% util via agv route, 5% on ecoms, 1% on upis, insta discounts on fest sales. if milestone hit 1K AGV.

SBI CB -> 5% on all online
kiwi -> 5% on offline when 1.5L spends met
Jupiter csb edge+ -> 10% on utils via agv

 

[ashwinikumar900]

BizBlack all the way!!
While other cards can be versatile, BizBlack is unique for all the good reasons and an all-rounder too.

I belong to category 3 and 4, except Rupay One—that one is 'work in progress'.

 

[Sree CC]

HDFC millenia CC on rupay itself is a good combo of all the best cards for most -> 5% util via agv route, 5% on ecoms, 1% on upis, insta discounts on fest sales. if milestone hit 1K AGV.

SBI CB -> 5% on all online
kiwi -> 5% on offline when 1.5L spends met
Jupiter csb edge+ -> 10% on utils via agv

 

[praful1947]

Jugaad + Friends having good Cards
Joke aside,
It's a very good combo, the cashback people surely love to have this.

 

[TripleAce]

I wonder 🤔 why @HumorSimpson is silent 🤔 on his eternally favourite ROAR card 🤔

 

[Harshilsh]

HDFC millenia CC on rupay itself is a good combo of all the best cards for most -> 5% util via agv route, 5% on ecoms, 1% on upis, insta discounts on fest sales. if milestone hit 1K AGV.

SBI CB -> 5% on all online
kiwi -> 5% on offline when 1.5L spends met
Jupiter csb edge+ -> 10% on utils via agv

okay so unlike sbi cb , hdfc millenia works for Instant Discounts..pretty cool

 

[chinnodu]

Atlas + Platinum Travel + Travel One for frequent travellers
Kotak 811 Super Platinum DC + Kiwi with Neon for offline spenders
Axis Airtel Rupay + SBI Cashback + Phone card for cashback lovers
Magnus Burgundy + Biz Black for high value spenders and tax payers

 

[HumorSimpson]

I wonder 🤔 why @HumorSimpson is silent 🤔 on his eternally favourite ROAR card 🤔

View attachment 107653

I neither have a pet nor a pet card. I just visit that thread for fun. 🙂

 

[hender]

I neither have a pet nor a pet card. I just visit that thread for fun. 🙂

 

[ashwinikumar900]

I got a bunny. 🐰

 

[Joltpost]

I think in my opinion these are the best credit card combos of 2025

SBI Cashback + HSBC Live+ + HSBC Cashback + SBI Phonepe Select Black/HDFC Phonepe Ultimo

With this combo, pretty much all your spends are reduced considerably because the cashback is credited in the card account.

Agree or disagree?

Ok I missed a problem here. If I get my food expenses capped at 10k, how can I use the HSBC Cashback Rupay alongside with HSBC Live+ since live+ itself covers 1k expenses?