Your most used 3 credit cards?

[aayusharyan]

Diners black plastic
Amex platinum travel
Earlier emeralde plastic (now EPM).

How did you convert Emeralde PVC to EPM?

 

[Kabir_1112]

Axis M4B, Axis Atlas, Amex Platinum Corporate

Amex platinum corporate card. In terms of rewards and for the fee paid??

 

[Kabir_1112]

How did you convert Emeralde PVC to EPM?

I did not convert, I had to apply for a new card. Made a fresh application for EPM. Will be closing my emeralde plastic.

 

[Riya]

Cards in order of usage:

1. SBI CB Card
2. Amex MRCC
3. Amex Gold
4. HDFC Millenia
5. ICICI APay

ICICI Apay purely due to 1% cashback, no questions asked

 

[hitirfan]

Cards in order of usage:

1. SBI CB Card
2. Amex MRCC
3. Amex Gold
4. HDFC Millenia
5. ICICI APay

ICICI Apay purely due to 1% cashback, no questions asked

Rupay? ? ?

 

[2025]

AU LIT (IYKYK)
HSBC Live +
Swiggy
Eazydiner
MRCC
Kiwi / Jupiter

HSBC Live +
AU LIT
Jupiter Edge

1. AU LIT (Always)

Most used cards:

• Amex MRCC
• Amex Gold
• SBI Cashback
• ICICI AmazonPay
• HDFC Millenia

Cards in order of usage:

1. SBI CB Card
2. Amex MRCC
3. Amex Gold
4. HDFC Millenia
5. ICICI APay

ICICI Apay purely due to 1% cashback, no questions asked

2. ICICI APay (currently)

3. Axis Airtel (currently)

 

[cardio_guycardio_guy is verified member.]

As of now, my top 3 cards:

• Axis Atlas - All offline and online spends, gift vouchers (2EM/100), hotel bookings (5EM/100).
• HDFC Tata Neu Infinity - UPI Scans (1.5%), Tata brands & bigbasket purchases (10%).
• HDFC Swiggy - Swiggy, Instamart, Dineout (10%), Online spends (5%)

 

[Riya]

Rupay? ? ?

Have quite a few Rupay cards but none with valueback even close to those described by me

 

[hitirfan]

Have quite a few Rupay cards but none with valueback even close to those described by me

HDFC Millennia Rupay convert then?

 

[Anindya98]

As of now, my top 3 cards:

1. SBI CB (5% Online Spends)
2. ICICI Apay (1% back on all transactions)
3. Yes Kiwi/Roarbank (Only Upi)

Bonus Card: Airtel Axis (Utilities & Airtel Recharges)

 

[Dazzwilliams]

How is Kiwi cc on upi better than Jupiter csb edge+ on upi?

kiwi cc for UPI
Jupiter CSB Edge+ for bills/shopping
SBI CB all online

 

[HumorSimpson]

How is Kiwi cc on upi better than Jupiter csb edge+ on upi?

. . .
https://www.technofino.in/community...-for-kiwi-or-kredit-pe-ace.41707/post-1059557

 

[hitirfan]

As of now, my top 3 cards:

1. SBI CB (5% Online Spends)
2. ICICI Apay (1% back on all transactions)
3. Yes Kiwi/Roarbank (Only Upi)

Roar benefits ?

 

[Karan.]

My Most Used CCs are( As on September 2025) are:

• SBI CashBack (Where Axis Cashback doesn't gives)
• SBI PhonePe Select Black (UPI and Utilities)
• Axis CashBack (All Online)

 

[chinnodu]

Infinia
Atlas and
PlatinumTravel Card

 

[Riya]

HDFC Millennia Rupay convert then?

why to convert HDFC millenia to rupay?
Since it's already LTF, hence no issues to me

 

[Anindya98]

Roar benefits ?

Higher CB rate on certain categories every month.

 

[Bart Simpson]

1. Hdfc millennia - online shopping
2. Sbi simplysave - offline shopping ( groceries)
3. ICICI Amazon - amazon shopping

 

[shashank08]

Icici EPM (80-85% expenditure on this)
Tata neu infinity (5-7% on this)
Airtel axis bank (5-7% on this)

 

[imdjay]

EPM
Infinia
SBI IRCTC and SBI BPCL Octance