To maximise my reward rates by spending with right CC

[as241298]

Goal: To maximise my reward rates by spending with right CC for maximum reward rate.

I'm having below list of CC's:

1. One Card
2. HDFC Neu Plus
3. HDFC Rupay CC (Virtual)
4. Axis Vistata Signature
5. Amex MRCC
6. Amex Plat (Already done with 4L milestone)
7. Paytm SBI Card
8. ICICI Apay Card

Expenses(Per month):

1. Petrol: 3k
2. Swiggy: 2k
3. BigBasket: 3k
4. Mobile: 400
5. Wifi: 1k
6. Electricity Bill: 8k
7. UPI Spends: 2k
8. Amazon/Flipkart/Myntra Shopping: 4k
9. Train: 5k
10. Flight: 12k

Community please help to map the expense with right CC.

 

[Testcc]

Is there any specific reason for both HDFC Neu Plus and HDFC Rupay Virtual? Or your Neu plus is visa variant? If yes, get converted to Rupay and get rid of virtual card. As per my opinion you need one fuel (SBI Octane) and one IRCTC Cobranded card (Perhaps HDFC IRCTC). This will save money.

 

[Jigar.Baua]

For Fuel since your spends are less than 10K - Go with SBI BPCL normal CC - The one with Rs.500 annual fees
Swiggy - Airtel Axis
Electricity - Axis ACE

 

[aniruddhaadhe]

Goal: To maximise my reward rates by spending with right CC for maximum reward rate.

I'm having below list of CC's:

1. One Card
2. HDFC Neu Plus
3. HDFC Rupay CC (Virtual)
4. Axis Vistata Signature
5. Amex MRCC
6. Amex Plat (Already done with 4L milestone)
7. Paytm SBI Card
8. ICICI Apay Card

Expenses(Per month):

1. Petrol: 3k
2. Swiggy: 2k
3. BigBasket: 3k
4. Mobile: 400
5. Wifi: 1k
6. Electricity Bill: 8k
7. UPI Spends: 2k
8. Amazon/Flipkart/Myntra Shopping: 4k
9. Train: 5k
10. Flight: 12k

Community please help to map the expense with right CC.

Try premium cards. Such as Magnus/DCB.
It will reduce ur number of cards as they serve most of ur purpose.

U can get one using c2c method

 

[cardy]

Axis iocl and select you can consider for oil and bigbusket spend