Want to restructure my credit card portfolio

[BK7]

Currently I am holding ICICI Coral, Amex MRCC, Axis Myzone, AU LIT, HSBC Platinum

I need your suggestion based on my spends

 

[drsel]

Axis Airtel
SBI cashback
Axis Atlas
HSBC Live Plus

 

[shu_sha_]

Spend pattern to batao guru apna pahle

 

[BK7]

Monthly expenses​

• Amazon Pay: using monthly for mobile and electricity payments getting through Apay giftcards worth 6000 monthly, but yesterday got email that 0.75% connivence applicable for Amex cards.
• Amazon Shopping: 1000 rupees per month
• Swiggy / Zomato: 1500-2000 per month
• BigBasket / Blinkit: 5000
• Grocery / Supermarkets 3000
• Apparel / Departmental Stores 1000
• Dining -1000
• Fuel -2000
• Other Offline Spends - depends on need
• Insurance - yearly once around 60K for bike, health, car.

Any cards focused on Airmiles or Amex points (like LTF valid) ?

 

[drsel]

Monthly expenses​

• Amazon Pay: using monthly for mobile and electricity payments getting through Apay giftcards worth 6000 monthly, but yesterday got email that 0.75% connivence applicable for Amex cards.
• Amazon Shopping: 1000 rupees per month
• Swiggy / Zomato: 1500-2000 per month
• BigBasket / Blinkit: 5000
• Grocery / Supermarkets 3000
• Apparel / Departmental Stores 1000
• Dining -1000
• Fuel -2000
• Other Offline Spends - depends on need
• Insurance - yearly once around 60K for bike, health, car.

Any cards focused on Airmiles or Amex points (like LTF valid) ?

Thread 'Top 10 cards for 2025' https://www.technofino.in/community/threads/top-10-cards-for-2025.34831/

 

[Credit_Cards]

Monthly expenses​

• Amazon Pay: using monthly for mobile and electricity payments getting through Apay giftcards worth 6000 monthly, but yesterday got email that 0.75% connivence applicable for Amex cards.
• Amazon Shopping: 1000 rupees per month
• Swiggy / Zomato: 1500-2000 per month
• BigBasket / Blinkit: 5000
• Grocery / Supermarkets 3000
• Apparel / Departmental Stores 1000
• Dining -1000
• Fuel -2000
• Other Offline Spends - depends on need
• Insurance - yearly once around 60K for bike, health, car.

Any cards focused on Airmiles or Amex points (like LTF valid) ?

Amazon ICICI CC - Amazon Spends primarily but is a versatile CC

RBL/IDFC/SBI Fuel CC - Fuel Spends

Continue with Amex for buying Amazon voucher also try getting SBI CB for Amazon voucher and any other spend a no brainier Cashback king.

Apparel / Departmental store - Au Lit continue to use it.

Insurance - Use Amazon Pay Balance a no brainier solution

Get Airtel Axis for Utilities and Swiggy/Zomato/BigBasket etc

Offline : There are many possibilities how about exploring Atlas ?

 

[BK7]

Amazon ICICI CC - Amazon Spends primarily but is a versatile CC

RBL/IDFC/SBI Fuel CC - Fuel Spends

Continue with Amex for buying Amazon voucher also try getting SBI CB for Amazon voucher and any other spend a no brainier Cashback king.

Apparel / Departmental store - Au Lit continue to use it.

Insurance - Use Amazon Pay Balance a no brainier solution

Get Airtel Axis for Utilities and Swiggy/Zomato/BigBasket etc

Offline : There are many possibilities how about exploring Atlas ?

Atlas really worth for my transactions ? which is under 5LPA. Star health sadly can't pay through Amazon.

 

[Credit_Cards]

Atlas really worth for my transactions ? which is under 5LPA. Star health sadly can't pay through Amazon.

Atlas is most rewarding with Milestones still its decently rewarding card !!

 

[BK7]

I have calculated my spending pattern which do not exceed 2L without Insurance and fuel payments, Atlas comes with terms and conditions for minimum milestone benefit right ?

 

[hellowo₹ld]

Amazon ICICI CC - Amazon Spends primarily but is a versatile CC

RBL/IDFC/SBI Fuel CC - Fuel Spends

Continue with Amex for buying Amazon voucher also try getting SBI CB for Amazon voucher and any other spend a no brainier Cashback king.

Apparel / Departmental store - Au Lit continue to use it.

Insurance - Use Amazon Pay Balance a no brainier solution

Get Airtel Axis for Utilities and Swiggy/Zomato/BigBasket etc

Offline : There are many possibilities how about exploring Atlas ?

hardly had 3l spends, better use 2 or 3 cards for best reward rate than splitted to multiple cards with negligible rewards with annual fee.

 

[hellowo₹ld]

Monthly expenses​

• Amazon Pay: using monthly for mobile and electricity payments getting through Apay giftcards worth 6000 monthly, but yesterday got email that 0.75% connivence applicable for Amex cards.
• Amazon Shopping: 1000 rupees per month
• Swiggy / Zomato: 1500-2000 per month
• BigBasket / Blinkit: 5000
• Grocery / Supermarkets 3000
• Apparel / Departmental Stores 1000
• Dining -1000
• Fuel -2000
• Other Offline Spends - depends on need
• Insurance - yearly once around 60K for bike, health, car.

Any cards focused on Airmiles or Amex points (like LTF valid) ?

either

sbi cashback

or

axis airtel

or

hsbc live+

reward rate: around 4.5% cumulatively if you use any single card.

don't optimize or split too much, you loose much than gain.

 

[cardnoob24]

Monthly expenses​

• Amazon Pay: using monthly for mobile and electricity payments getting through Apay giftcards worth 6000 monthly, but yesterday got email that 0.75% connivence applicable for Amex cards.
• Amazon Shopping: 1000 rupees per month
• Swiggy / Zomato: 1500-2000 per month HDFC SWIGGY & TATA NUE SELECT 10% ON SWIGGY,INSTAMART,BLINKIT,ZOMATO,BIGBASKET
• BigBasket / Blinkit: 5000
• Grocery / Supermarkets 3000
• Apparel / Departmental Stores 1000
• Dining -1000
• Fuel -2000
• Other Offline Spends - depends on need
• Insurance - yearly once around 60K for bike, health, car.

Any cards focused on Airmiles or Amex points (like LTF valid) ?

YOU NEED HDFC TRIFECTA IN MY OPINION

---

💳 HDFC Trifecta Credit Card Strategy (Efficient, Low-Footprint Setup)​

✅ 1. Swiggy HDFC Bank Credit Card (LTF or Easy to Get LTF)​

• Best for: Dining + Swiggy/Instamart
• Rewards:
  • Up to ₹1,500 cashback/month on Swiggy, Instamart
  • 10% cashback
• Use for:
  • All food delivery, takeout, casual dining
• Effective: Covers dining/groceries from food platforms

---

✅ 2. Tata Neu HDFC Bank Credit Card​

Choose: Tata Neu Infinity (Paid) or Tata Neu Plus (LTF)

• Best for: Grocery, apparel, departmental stores via Tata Neu ecosystem (BigBasket, Croma, etc.)
  • 10% cashback on Zomato
• Rewards:
  • Up to 5–10% back as NeuCoins on Tata platforms
  • NeuCoins are redeemable for future purchases
• Use for:
  • Groceries (BigBasket), fashion (Westside), electronics (Croma), etc.

---

✅ 3. HDFC Marriott Bonvoy Credit Card (~₹3,000 + GST)​

• Best for: Travel, hotels, airport lounges
• Annual Fee: ₹3,000 + GST
• Benefits:
  • 12 Complimentary Lounge Access (Domestic + Intl)
  • 2 Free Night Awards (15,000 pts/night) on ₹6L annual spend
  • Bonus Offers: Earn additional 10,000 points on ₹2L and ₹4L spends
• Rewards:
  • 8 pts / ₹150 on Marriott bookings
  • 4 pts / ₹150 on travel, dining, entertainment
  • 2 pts / ₹150 on all other spends
• Use for:
  • Travel, hotel stays, airport lounge access

---

🧾 Sample Expense Allocation Plan​

Category	Card	Monthly Spend	Notes
Dining / Food Delivery	Swiggy HDFC	₹1,000–₹1,500	₹1,500 cashback cap per cycle; include Zomato if eligible
Grocery / Supermarkets	Tata Neu (Infinity/Plus)	₹3,000	Via BigBasket or Neu stores
Travel / Dining (Hotels)	Marriott Bonvoy HDFC	As per usage	4–8 pts/₹150 for travel & Marriott bookings
Insurance (Yearly)	Marriott Bonvoy HDFC	₹60,000 (annual)	Helps meet ₹6L threshold for Free Night Awards
Other Offline Spends	Marriott or Tata Neu	As needed	Default to card with best rewards

---

🎁 Why This Setup Works​

• ✅ LTF or Low-Fee Setup: 2 cards can be Life Time Free; only Marriott is paid (~₹3,000 + GST)
• ✅ High Rewards-to-Spend Ratio:
  • Marriott Bonvoy offers 3 nights easily achievable with strategic spends (~₹6L annually)
  • Tata Neu + Swiggy covers daily essentials + dining well
• ✅ Airport Lounges + Hotel Nights: Ideal for even 2–3 vacations/year

---

​

 

[BK7]

YOU NEED HDFC TRIFECTA IN MY OPINION

---

💳 HDFC Trifecta Credit Card Strategy (Efficient, Low-Footprint Setup)​

✅ 1. Swiggy HDFC Bank Credit Card (LTF or Easy to Get LTF)​

• Best for: Dining + Swiggy/Instamart
• Rewards:
  • Up to ₹1,500 cashback/month on Swiggy, Instamart
  • 10% cashback
• Use for:
  • All food delivery, takeout, casual dining
• Effective: Covers dining/groceries from food platforms

---

✅ 2. Tata Neu HDFC Bank Credit Card​

Choose: Tata Neu Infinity (Paid) or Tata Neu Plus (LTF)

• Best for: Grocery, apparel, departmental stores via Tata Neu ecosystem (BigBasket, Croma, etc.)
  • 10% cashback on Zomato
• Rewards:
  • Up to 5–10% back as NeuCoins on Tata platforms
  • NeuCoins are redeemable for future purchases
• Use for:
  • Groceries (BigBasket), fashion (Westside), electronics (Croma), etc.

---

✅ 3. HDFC Marriott Bonvoy Credit Card (~₹3,000 + GST)​

• Best for: Travel, hotels, airport lounges
• Annual Fee: ₹3,000 + GST
• Benefits:
  • 12 Complimentary Lounge Access (Domestic + Intl)
  • 2 Free Night Awards (15,000 pts/night) on ₹6L annual spend
  • Bonus Offers: Earn additional 10,000 points on ₹2L and ₹4L spends
• Rewards:
  • 8 pts / ₹150 on Marriott bookings
  • 4 pts / ₹150 on travel, dining, entertainment
  • 2 pts / ₹150 on all other spends
• Use for:
  • Travel, hotel stays, airport lounge access

---

🧾 Sample Expense Allocation Plan​

Category	Card	Monthly Spend	Notes
Dining / Food Delivery	Swiggy HDFC	₹1,000–₹1,500	₹1,500 cashback cap per cycle; include Zomato if eligible
Grocery / Supermarkets	Tata Neu (Infinity/Plus)	₹3,000	Via BigBasket or Neu stores
Travel / Dining (Hotels)	Marriott Bonvoy HDFC	As per usage	4–8 pts/₹150 for travel & Marriott bookings
Insurance (Yearly)	Marriott Bonvoy HDFC	₹60,000 (annual)	Helps meet ₹6L threshold for Free Night Awards
Other Offline Spends	Marriott or Tata Neu	As needed	Default to card with best rewards

---

🎁 Why This Setup Works​

• ✅ LTF or Low-Fee Setup: 2 cards can be Life Time Free; only Marriott is paid (~₹3,000 + GST)
• ✅ High Rewards-to-Spend Ratio:
  • Marriott Bonvoy offers 3 nights easily achievable with strategic spends (~₹6L annually)
  • Tata Neu + Swiggy covers daily essentials + dining well
• ✅ Airport Lounges + Hotel Nights: Ideal for even 2–3 vacations/year

---

​

The eligibility for Bonvoy Card and Tata Neu Infinity is a salary of ₹1 lakh, right?

 

[hellowo₹ld]

YOU NEED HDFC TRIFECTA IN MY OPINION

---

💳 HDFC Trifecta Credit Card Strategy (Efficient, Low-Footprint Setup)​

✅ 1. Swiggy HDFC Bank Credit Card (LTF or Easy to Get LTF)​

• Best for: Dining + Swiggy/Instamart
• Rewards:
  • Up to ₹1,500 cashback/month on Swiggy, Instamart
  • 10% cashback
• Use for:
  • All food delivery, takeout, casual dining
• Effective: Covers dining/groceries from food platforms

---

✅ 2. Tata Neu HDFC Bank Credit Card​

Choose: Tata Neu Infinity (Paid) or Tata Neu Plus (LTF)

• Best for: Grocery, apparel, departmental stores via Tata Neu ecosystem (BigBasket, Croma, etc.)
  • 10% cashback on Zomato
• Rewards:
  • Up to 5–10% back as NeuCoins on Tata platforms
  • NeuCoins are redeemable for future purchases
• Use for:
  • Groceries (BigBasket), fashion (Westside), electronics (Croma), etc.

---

✅ 3. HDFC Marriott Bonvoy Credit Card (~₹3,000 + GST)​

• Best for: Travel, hotels, airport lounges
• Annual Fee: ₹3,000 + GST
• Benefits:
  • 12 Complimentary Lounge Access (Domestic + Intl)
  • 2 Free Night Awards (15,000 pts/night) on ₹6L annual spend
  • Bonus Offers: Earn additional 10,000 points on ₹2L and ₹4L spends
• Rewards:
  • 8 pts / ₹150 on Marriott bookings
  • 4 pts / ₹150 on travel, dining, entertainment
  • 2 pts / ₹150 on all other spends
• Use for:
  • Travel, hotel stays, airport lounge access

---

🧾 Sample Expense Allocation Plan​

Category	Card	Monthly Spend	Notes
Dining / Food Delivery	Swiggy HDFC	₹1,000–₹1,500	₹1,500 cashback cap per cycle; include Zomato if eligible
Grocery / Supermarkets	Tata Neu (Infinity/Plus)	₹3,000	Via BigBasket or Neu stores
Travel / Dining (Hotels)	Marriott Bonvoy HDFC	As per usage	4–8 pts/₹150 for travel & Marriott bookings
Insurance (Yearly)	Marriott Bonvoy HDFC	₹60,000 (annual)	Helps meet ₹6L threshold for Free Night Awards
Other Offline Spends	Marriott or Tata Neu	As needed	Default to card with best rewards

---

🎁 Why This Setup Works​

• ✅ LTF or Low-Fee Setup: 2 cards can be Life Time Free; only Marriott is paid (~₹3,000 + GST)
• ✅ High Rewards-to-Spend Ratio:
  • Marriott Bonvoy offers 3 nights easily achievable with strategic spends (~₹6L annually)
  • Tata Neu + Swiggy covers daily essentials + dining well
• ✅ Airport Lounges + Hotel Nights: Ideal for even 2–3 vacations/year

---

​

OP has overall 3L spends in a year and if we split to 3 cards, how it useful for Mariott card?

Re-adjust the prompt with given spends for better recommendation.