Credit Card Portfolio

[soniia]

Hello All - I have spends upto 11L / year. I want to split the expenses across various cards. any recommendation on cards or cards that I should have along with primary card?

I currently hold
1. HDFC Regalia Gold
2. Amex Gold

1. Axis Atlas
2. AMEX Plat travel card
3. Axis Vistara - is this really worth considering the merger with air india

any other suggestions?

I would like to incure points to redeem against hotels/flights. thiis the only objective.

Thanks,
Sonia

 

[D₹V]

@S S V @Wealth is my birth right! @anirban.choudhury might help.

 

[ARV]

Hello All - I have spends upto 11L / year. I want to split the expenses across various cards. any recommendation on cards or cards that I should have along with primary card?

I currently hold
1. HDFC Regalia Gold
2. Amex Gold

1. Axis Atlas
2. AMEX Plat travel card
3. Axis Vistara - is this really worth considering the merger with air india

any other suggestions?

I would like to incure points to redeem against hotels/flights. thiis the only objective.

Thanks,
Sonia

Please mention the type of spends you have as it would be easier to suggest. There are lot of exclusions in spend category now on many cards

 

[soniia]

Please mention the type of spends you have as it would be easier to suggest. There are lot of exclusions in spend category now on many cards

Spends include - utilities, insurance, amazon mostly, travel related, taxes ( I mean it includes almost all types )

 

[SSV]

Hello All - I have spends upto 11L / year. I want to split the expenses across various cards. any recommendation on cards or cards that I should have along with primary card?

I currently hold
1. HDFC Regalia Gold
2. Amex Gold

1. Axis Atlas
2. AMEX Plat travel card
3. Axis Vistara - is this really worth considering the merger with air india

any other suggestions?

I would like to incure points to redeem against hotels/flights. thiis the only objective.

Thanks,
Sonia

From your post, I gather..
you currently have RG and Amex Gold
your budgeted spends: 11 L
Aim: want to accumulate points for Hotel/Flights redemeption..

First recommendation, as you already have Amex Gold.. Get Plat Travel.. and spend exactly 4 L..
so by now.. 4L out ... means you still have 7 L spends left.
Out of this 7 L .. how much you want to spend on RG??
Then we will see how best we can spend the remaining amount..

 

[soniia]

From your post, I gather..
you currently have RG and Amex Gold
your budgeted spends: 11 L
Aim: want to accumulate points for Hotel/Flights redemeption..

First recommendation, as you already have Amex Gold.. Get Plat Travel.. and spend exactly 4 L..
so by now.. 4L out ... means you still have 7 L spends left.
Out of this 7 L .. how much you want to spend on RG??
Then we will see how best we can spend the remaining amount..

I may ask for RG to Infinia upgrade to my RM so it may be Infinia so it will be atleast 2L on infinia and rest may be on Atlas?

 

[SSV]

I may ask for RG to Infinia upgrade to my RM so it may be Infinia so it will be atleast 2L on infinia and rest may be on Atlas?

Good idea .. All the best..
Don't overthink.. just execute this and you can yourself find the +/ - ves in a year... and then you can fine-tune , if needed

 

[ARV]

I may ask for RG to Infinia upgrade to my RM so it may be Infinia so it will be atleast 2L on infinia and rest may be on Atlas?

Atlas will make sense only if you have 7.5L spends on it as gold upgrade is at 7.5L and you will get 5K miles during renewal.

 

[soniia]

Atlas will make sense only if you have 7.5L spends on it as gold upgrade is at 7.5L and you will get 5K miles during renewal.

ok so what would be the next best card? please suggest.

 

[Wealth is my birth right!]

@S S V @Wealth is my birth right! @anirban.choudhury might help.

Atlas can be used on travel spends and rest with Amex for good hotel points at end

 

[ARV]

ok so what would be the next best card? please suggest.

You can pick up some Vistara card only if Vistara connectivity is available in ur city. Also please note availability is an issue now a days. Atlas is a good choice if you plan your spend as the milestones will be for the card year and not calendar year. If you get HDFC Infinia or DCB nothing like it. For DCB plastic spend waiver is 5L and there are no renewal benefits.

 

[rishabh0507]

My credit card portfolio includes following cards-
1. Flipkart axis bank credit card
2. Airtel Axis Bank credit card
3. Indian oil Axis Bank credit card
4. Amazon pay icici credit card
5. Icici platinum credit card
6. ICICI coral rupay credit card
7. Sbi simply click card
8. Kotak zen signature credit card
9. Hdfc millennia credit card
10. BoB premier credit card
11. Idfc first classic credit card
12. RBL paisabazar credit card
13. Indusind platinum credit card
14. Yes prosperity reward credit card

 

[the_dark_knight]

My credit card portfolio includes following cards-
1. Flipkart axis bank credit card
2. Airtel Axis Bank credit card
3. Indian oil Axis Bank credit card
4. Amazon pay icici credit card
5. Icici platinum credit card
6. ICICI coral rupay credit card
7. Sbi simply click card
8. Kotak zen signature credit card
9. Hdfc millennia credit card
10. BoB premier credit card
11. Idfc first classic credit card
12. RBL paisabazar credit card
13. Indusind platinum credit card
14. Yes prosperity reward credit card

Good, what's next?

 

[the_dark_knight]

ok so what would be the next best card? please suggest.

If you are looking to apply another amex credit card, then I can help

 

[rishabh0507]

Good, what's next?

Next is AU and Pnb credit card. Can I get au card as I am self employed? I am preparing for sbi po.

 

[the_dark_knight]

Next is AU and Pnb credit card. Can I get au card as I am self employed? I am preparing for sbi po.

getting au lit is quite easy with high approval changes in ur case, as you already have a good cibil history maintained

 

[rishabh0507]

getting au lit is quite easy with high approval changes in ur case, as you already have a good cibil history maintained

I have been trying for last 1 year. But application got rejected every time. They didn't mention the exact reason. Now previous lead will be deleted in February next year. So, I'm gonna try my luck this time too. Let's see what happens. My aggregate limit across all cards is well above 20 lacs.

 

[helloworld]

Hello All - I have spends upto 11L / year. I want to split the expenses across various cards. any recommendation on cards or cards that I should have along with primary card?

I currently hold
1. HDFC Regalia Gold
2. Amex Gold

1. Axis Atlas
2. AMEX Plat travel card
3. Axis Vistara - is this really worth considering the merger with air india

any other suggestions?

I would like to incure points to redeem against hotels/flights. thiis the only objective.

Thanks,
Sonia

4L - Plat Travel
72K - Gold

6.28L - Regalia // If you can spend in 6 months and have >5L limit , apply upgrade.