Help me choose a new credit card – Current cards: HDFC Millennia, Tata Neu Plus, ICICI Amazon, Sapphiro, Axis Flipkart, My Zone, AMEX MRCC, HSBC Live+

[anandsdr7]

Hi everyone,


I’m looking to add a new credit card to my existing portfolio and would appreciate your suggestions based on what I already have. Here’s a quick rundown of the cards I currently use:

• HDFC Millennia
• HDFC Tata Neu Plus
• ICICI Amazon Pay
• ICICI Sapphiro
• Axis Flipkart
• Axis My Zone
• AMEX Membership Rewards (MRCC)
• HSBC Live Plus
• SBI BPCL Octane

I’m looking for something that offers strong rewards/cashback or premium travel/lifestyle benefits that aren't already covered by my current cards. I have a decent credit score and spend moderately across online shopping, dining, fuel, and some travel. Not heavy on international usage, but wouldn't mind perks in that area either.


Any recommendations for cards that complement my current lineup well? Open to both LTF and paid cards if the value justifies it.


Thanks in advance!

 

[financewizard]

Of these what are the paid cards and what are the LTF cards. Adding cards just like that to portfolio is not a great option. Maybe upgrading cards to higher varients and increasing limits is a wiser move. Try targeting Infinia / EPM. Upgrading Tata Neu plus to Infinity for LTF etc.
If you want to add new cards to your portfolio - try adding a Zero Fx card which is missing in your portfolio.
Also with latest devaluation of Flipkart Axis, you can ditch it if it is a paid card and opt for SBI cashback - for online spends.

 

[anandsdr7]

Of these what are the paid cards and what are the LTF cards. Adding cards just like that to portfolio is not a great option. Maybe upgrading cards to higher varients and increasing limits is a wiser move. Try targeting Infinia / EPM. Upgrading Tata Neu plus to Infinity for LTF etc.
If you want to add new cards to your portfolio - try adding a Zero Fx card which is missing in your portfolio.
Also with latest devaluation of Flipkart Axis, you can ditch it if it is a paid card and opt for SBI cashback - for online spends.

• HDFC Millennia-LTF
• HDFC Tata Neu Plus--LTF
• ICICI Amazon Pay--LTF
• ICICI Sapphiro - FYF
• Axis Flipkart- Paid
• Axis My Zone - LTF
• AMEX Membership Rewards (MRCC)- Paid
• HSBC Live Plus-Paid
• SBI BPCL Octane- Paid

 

[chinnodu]

It seems too many cashback shopping cards. May be your shopping requirement is more. You may think of Amex Plat Travel or Axis Atlas dependent on your travel expenditure. Then you may also think of IndusInd Tiger for lounge benefits and Federal Scapia for zero Forex.