Need Recommendation on card usage
Hi All, I have been using these cards for my primary usage with usual monthly spends: 1.5 Lakhs (last 6 months)
- LTF Cards
- Amex MRCC
- ICICI Sapphiro Duo (Master + Amex)
- HDFC Tata Neu Infinity
- OneCard
- Paid Cards
- Amex Gold
- Airtel Axis
- HDFC DCB Metal (spend-based waiver)
This is how I am using them
- Amex Combo: 12k fixed bill on most months. Purchase Amazon Vouchers 1.5x4 and 1x6 to get 2k reward points. I stopped doing that a few months ago owing to the hassle of generating these (please suggest if there is a better way of doing it) Else thinking of closing at the time of renewal
- Airtel Axis: Use this card to get 250 cashback on Airtel bills, plus up to 500 cashback on quick commerce. Usage is 6-8K per month.
- ICICI Sapphiro: Using it occasionally for BMS Movie tickets + Amazon recurring purchases mandated on this card
- Tata Neu: This card is catching up, Initially purchased to collect 5% neu coins for medicines, I have aged parents so that's >15k/month expense on medicines. Plus UPI UPI-based cc payments.
- DCB Metal: This is the main card. Accumulating Spends Milestone on this one. In this year alone, I generated 80K worth of rewards points which I mostly use for booking flights.
- OneCard: This one has multiple supplementary users and due to its new age features, supplementary users get their own spend tracking app, OTPs and a feeling of using their personal card. This eats away some of the additional spending. Also, this had a low forex markup so I could use it in international travel spending.
Most of the use of accumulating these points is for flights/hotels. Can you suggest any changes to the current stack or any way where I can use these points better?
PS: I requested Infinia, rejected perhaps due to a lower CC limit, 7.65L, I have 8L on OneCard though.
