Hi guys,
I have recently shifted most of my expenses to credit card but I’m not sure which card to use where, though I try to use my primary card most of the time. I need suggestions for credit card usage that I can adopt to maximise my savings/returns.
My monthly expenses -
1. Rent - 17k
2. Swiggy (for daily meals as i have swiggy One membership) - 7k
3. Groceries (big basket + swiggy) - 3-4k (planned to shop on bigbasket until i have tata neu cc)
4. Petrol - 2k
5. Irctc - 3k
6. Utility bills - 10k
7. Miscellaneous upi spends - 2K
Other annual expenses-
1. In app subscriptions - 10k
2. Travel - 3-5L
(I travel 5-8 times annually including international trips but I’m a budget traveller so stay in hostels and airbnb. My major bookings are done through MMT and I have MMT Black exclusive member. So, not sure AIRMILES are worth for me, rather they will raise my travel expense)
3. Forex spend - 1.5-2L (currently using fi debit card)
Below is the list of the cards that I hold.
1. HDFC Millenia - LTF ( using as PRIMARY cc)
2. HDFC Tata Neu Infinity+ Repay - FYF (may close next year)
3. Axis Select - LTF
4. Axis MyZone - LTF
5. Axis Flipkart - Paid ( Only paid card that I have)
6. ICICI Amazon Pay - LTF
7. ICICI Rubyx Rupay - LTF
Let me know if I should get another card that can help me optimise the usage better.
Thanks in advance,
I have recently shifted most of my expenses to credit card but I’m not sure which card to use where, though I try to use my primary card most of the time. I need suggestions for credit card usage that I can adopt to maximise my savings/returns.
My monthly expenses -
1. Rent - 17k
2. Swiggy (for daily meals as i have swiggy One membership) - 7k
3. Groceries (big basket + swiggy) - 3-4k (planned to shop on bigbasket until i have tata neu cc)
4. Petrol - 2k
5. Irctc - 3k
6. Utility bills - 10k
7. Miscellaneous upi spends - 2K
Other annual expenses-
1. In app subscriptions - 10k
2. Travel - 3-5L
(I travel 5-8 times annually including international trips but I’m a budget traveller so stay in hostels and airbnb. My major bookings are done through MMT and I have MMT Black exclusive member. So, not sure AIRMILES are worth for me, rather they will raise my travel expense)
3. Forex spend - 1.5-2L (currently using fi debit card)
Below is the list of the cards that I hold.
1. HDFC Millenia - LTF ( using as PRIMARY cc)
2. HDFC Tata Neu Infinity+ Repay - FYF (may close next year)
3. Axis Select - LTF
4. Axis MyZone - LTF
5. Axis Flipkart - Paid ( Only paid card that I have)
6. ICICI Amazon Pay - LTF
7. ICICI Rubyx Rupay - LTF
Let me know if I should get another card that can help me optimise the usage better.
Thanks in advance,
