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

[cardio_guycardio_guy is verified member.]

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.

 

[hender]

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.

Interesting thread ...✅👍
Pl share eligible card list as well.

 

[Anshit]

Following expecting some intresting hacks😇

 

[Fini7777]

Interesting thread ...✅👍
Pl share eligible card list as well.

I think there's no such eligible card list required

Share how u r using ur existing cards and share the tricks that u r following to maximize the benefits with available cards

 

[msd07]

Using HDFC regalia Gold as the primary card.
Most of the times i do have more spends.

Received this card on Sep-2023
Have got three 5000 flight vouchers until today ( which means i have spent 7.5L + 5L almost 12.5Lacs until now)

Have booked flight tickets via smartbuy itself with those vouchers.
Based on those tickets, got 300+300 uber vouchers ( 2 per quarter)
Have got 5 vouchers of 1500 until now...

one more 5000 flight voucher will be ready in a month....

So total benefit until now... ( around spends of 15Lacs)
4*5000 = 20000
5*1500 = 7500
2*300 = 600
20000 RPs still available.. worth 10K if spent on smartbuy...

 

[Half Human]

Such posts will only accentuate the devaluation process of many cards. 🤷‍♂️🤷‍♂️

🤐🤐🤐

 

[hender]

I think there's no such eligible card list required

Share how u r using ur existing cards and share the tricks that u r following to maximize the benefits with available cards

Am on learning side.

 

[Anshit]

Such posts will only accentuate the devaluation process of many cards. 🤷‍♂️🤷‍♂️

🤐🤐🤐

You think there are Bank spies lurking around threads here?

 

[Hope]

Here how i use my cards.
Airtel axis - for recharge/utility/ offline 1%
Amazon pay - amazon 5%/ wallet load if urget need
Hdfc Swiggy - fk/myntra 5%
Other card i use only in offers have only basic cards. And earn 1% by paying cc bill via hdfc platinum.
and when i spend any amount i transfer same amount to any other savings account to make sure i am spending amount i have. Other wise i dont touch card bear with what i have.

 

[Half Human]

You think there are Bank spies lurking around threads here?

Why would I overthink of something, when it is known to all bro??

 

[hender]

and when i spend any amount i transfer same amount to any other savings account to make sure i am spending amount i have. Other wise i dont touch card bear with what i have.

Golden Words ✨

 

[Anshit]

Why would I overthink of something, when it is known to all bro??

I was genuinely asking buddy

 

[cardio_guycardio_guy is verified member.]

I'll tell about some of my ways. These maynot be the best but I get some happiness by getting some benefits.

1. I always used to go to normal movie theaters or with less costlier seats (like something less than Rs 200) till I started using credit cards. After I received Sapphiro card, I always book Rs 500 tickets (4 people) because effective price will be only 250-260 (after taxes). Because using Sapphiro, I get 1000 instant discount. That has helped me take my family to better theaters and backside better seats. (like PVR PXL, Luxe etc) BMS B1G1 in Sapphiro has been working great for me. If we see the actual discount, it will be 45-50% (Ticket cost 2140 for 4 people, I pay 1140)

2. Lounge access - I have been travelling by flight (domestic) for work atleast once in 3-4 months and lounge access is something I max out nicely. It's another lifestlye benefit that I use by having enough cards with lounge access. I've never travelled outside India yet.

3. Tata Neu app and infinity card is my primary card these days. I use it for UPI and other transactions. For Evey 5 UPI transactions of more than 500, they give 50 neu coins. I have got it multiple times. Also, there are many times offers in Neu app during begenning of the month etc when you buy for more than 1500, you get 100 additional NCs. Such offers enhance the cashback rate. Neu app is the one that runs a lot of festival/sports/promotional offers. Even bill payments, gas, electricity, water, LIC premiums everything gets 5% cashback on Neu app.

4. Amazon Pay ICICI card was my primary card earlier. But now my amazon purchases have reduced a lot due to quick comm and otherwise. So I use it only for booking flights or hotels with 5% cashback. Even that is being moved to other places. So the usage is very minimal.

 

[Half Human]

I was genuinely asking buddy

To answer it frankly, it is highly possible many bank employees are aware of this site. But the most detrimental tendency is to publicize the jacks published in this community, to other communities, youtubers, tweets and all for 5 mins of fame. This catches many attentions, and eventually brings the downfall of those genuine people who uses and not abuses that feature, and, yes, some people who abuses it like 'finders keepers'.

So to be frank, public sharing of tricks are the harbinger of its fall.

I do not meant any disrespect. But I have been in this community for over 2 years. 1 as a silent member and another year as an active member.

I have learned this. Just said so. ✌️♥️

 

[cardio_guycardio_guy is verified member.]

Using HDFC regalia Gold as the primary card.
Most of the times i do have more spends.

Received this card on Sep-2023
Have got three 5000 flight vouchers until today ( which means i have spent 7.5L + 5L almost 12.5Lacs until now)

Have booked flight tickets via smartbuy itself with those vouchers.
Based on those tickets, got 300+300 uber vouchers ( 2 per quarter)
Have got 5 vouchers of 1500 until now...

one more 5000 flight voucher will be ready in a month....

So total benefit until now... ( around spends of 15Lacs)
4*5000 = 20000
5*1500 = 7500
2*300 = 600
20000 RPs still available.. worth 10K if spent on smartbuy...

Great to hear such realistic stories. Even I am trying for Regalia Gold and that will be my first card to enter the world of points and miles.
So far I am only using cashback cards and I want to explore points and miles card. I think Regalia Gold will be a good first step.

 

[DrHits]

Such posts will only accentuate the devaluation process of many cards. 🤷‍♂️🤷‍♂️

🤐🤐🤐

The so called *credit card guy* on Instagram is the reason for fresh devaluation! Chilla chilla ke sab ko scheme bata raha hai 😬

 

[cardio_guycardio_guy is verified member.]

The so called *credit card guy* on Instagram is the reason for fresh devaluation! Chilla chilla ke sab ko scheme bata raha hai 😬

We cannot blame it on just one person. Some may be known to us, some not. We cannot control what public says.
There are so many unknown people on twitter also. Hundreds of people on reddit. Take each platform, thousands will be there.
It is always an evoluiton. Also what I am expecting in this thread is not loopholes. Those are actual benefits offered by banks and how we use them.
Getting better reward is not always exploiting loopholes. Cheating is different. Everyone will have their own perspective and justification for doing things. We don't know the hidden motive of anyone else.

 

[Adith]

This is how I do stuff with my cards :

Amex plat travel - (Topped out for this year ) MobiKwik 30k every 2 months , 20k direct swipe at Malabar app for gold scheme every month which is now moved to Times black for 2% . MobiKwik top ups is what I send to maid , cook etc and also for almost everything else. There is an additional secret double dip i did with MobiKwik but I won't reveal here.

Amex GC - 10k GC split into milestone transactions - Gold scheme again

Sbi Cashback - 5k via park+ for fuel , 5-10k every month on clothes via cashkaro for 80% or higher cashback through triple dipping

Times Black - 4k Flipkart , 12k apay , 4K Swiggy , 2k - Zomato , 500 to 1000 as Myntra. I buy these vouchers and add to my account every month. Swiggy goes for buying diapers and things cause it's actually cheap there and for outside food. Zomato for same. Flipkart for groceries, apay for insurance and other utilities , myntra for when wifey wants to buy dresses for gifting .

Axis airtel - airtel black, sometimes Swiggy zomato , every second month one transaction of 1500 at Bigbasket for the triple dip where I buy 10-15kg of rice for my home

Indusind Eazydiner Signature - 4 movie tickets every month , 25% off at FnB at PVR, team outings where we usually swipe for 2-5k once a month and everyone spreads the amount

Yes marquee - International transactions which I might move to times black now

Other cards only for movie tickets or random bank offers at times.

Additional apay I have left I purchase google play voucher and top-up my balance since all my subscription are annual plans . So double dipping.

 

[akshayhs]

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

By closing them.

 

[VikasBhindwar]

Airtel Axis - For recharges & utility

HSBC Live+ - For Amazon Shopping & Bigbasket ( I know you people think why Amazon, but I used to purchase ASV from Blinkit which used to give straight 10% and then purchase Bigbasket GV through that with additional 3% and on top of that 5% Neu Coins. But this is now patched)

ICICI Sapphiro & ED Signature - For BMS

Neu Infinity & Jupiter - For UPI

Cashback - For other shopping

Platinum Travel - For rest others