Credit card portfolio review
AXIS Airtel - FYF - 2lac Limit - Using it for Airtel recharges, utility payments and occasional Zomato + Big basket spends. Using airtel axis on TATA Neu app gives 10% + 5% cashback. The annual fee is recovered in the first month itself and yearly cashback I get is around 8-9k.
AXIS NEO - LTF - 2lac Limit - Using is mainly for Zomato 120 rupee off twice a month and occasional use on Blinkit 10% off. Also using this for instant axis discounts if available.
AXIS ACE - FYF - 2lac Limit - Using this as an alternative to where AmEx isn't accepted for 1.5% uncapped cashback. Non-airtel recharges via Gpay using this card. Already spent around 2lac+ on this card so no annual fees for next year.
HDFC TATA NEU PLUS(RUPAY) - LTF - 1.5lac Limit - Mainly using it for UPI spends and fuel payments via scanning QR as it does not attracts any surcharge but you also don't get any neu coins for the transaction. Using Neucoins for Big basket to order groceries and combining it with Airtel Axis for payment gives a decent value. Annual spend on this card till date is around 1lac+.
SBI Cashback Card - FYF - 1.90lac Limit - Using it for rent payment of the furniture via RentoMojo which gives 5% cashback. Buying Amazon GV to book travel tickets (train/flights) and property tax payments. Also using it on other merchants and Park+ for 5% cashback. Spent 2lac+ on this card so no annual fee for the next cycle.
AmEx MRCC - Paid - 2lac Limit - Loading Mobikwik wallet for rent payment and local broadband connection payments easily hitting the 6k and 20k milestone every month and getting around 2400MR points with hitting the fee waiver criteria of 1.5lacs making it free without any charges.
AmEx Gold Charge - Paid - 8lac (Soft Limit) - Buying Amazon GV using Gyftr for 5x MR points to hit 6k milestone getting 1600 MR points and then shifting spends on SBI cashback card to buy vouchers if required. Spent around 3lac on this card till date but not sure to continue or close this card.
What cards can i remove from the above list and which cards can i add? Looking forward to apply for AU Ixigo or Axis Atlas(as replacement for Axis ACE). Any suggestions would be helpful.
Current CIBIL score - 785. TIA.
AXIS Airtel - FYF - 2lac Limit - Using it for Airtel recharges, utility payments and occasional Zomato + Big basket spends. Using airtel axis on TATA Neu app gives 10% + 5% cashback. The annual fee is recovered in the first month itself and yearly cashback I get is around 8-9k.
AXIS NEO - LTF - 2lac Limit - Using is mainly for Zomato 120 rupee off twice a month and occasional use on Blinkit 10% off. Also using this for instant axis discounts if available.
AXIS ACE - FYF - 2lac Limit - Using this as an alternative to where AmEx isn't accepted for 1.5% uncapped cashback. Non-airtel recharges via Gpay using this card. Already spent around 2lac+ on this card so no annual fees for next year.
HDFC TATA NEU PLUS(RUPAY) - LTF - 1.5lac Limit - Mainly using it for UPI spends and fuel payments via scanning QR as it does not attracts any surcharge but you also don't get any neu coins for the transaction. Using Neucoins for Big basket to order groceries and combining it with Airtel Axis for payment gives a decent value. Annual spend on this card till date is around 1lac+.
SBI Cashback Card - FYF - 1.90lac Limit - Using it for rent payment of the furniture via RentoMojo which gives 5% cashback. Buying Amazon GV to book travel tickets (train/flights) and property tax payments. Also using it on other merchants and Park+ for 5% cashback. Spent 2lac+ on this card so no annual fee for the next cycle.
AmEx MRCC - Paid - 2lac Limit - Loading Mobikwik wallet for rent payment and local broadband connection payments easily hitting the 6k and 20k milestone every month and getting around 2400MR points with hitting the fee waiver criteria of 1.5lacs making it free without any charges.
AmEx Gold Charge - Paid - 8lac (Soft Limit) - Buying Amazon GV using Gyftr for 5x MR points to hit 6k milestone getting 1600 MR points and then shifting spends on SBI cashback card to buy vouchers if required. Spent around 3lac on this card till date but not sure to continue or close this card.
What cards can i remove from the above list and which cards can i add? Looking forward to apply for AU Ixigo or Axis Atlas(as replacement for Axis ACE). Any suggestions would be helpful.
Current CIBIL score - 785. TIA.