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MagicalNugget
MagicalNugget
Deloitte

Can you guys suggest one or two all rounder Credit Cards?

I have the following CCs

  1. HDFC Millenia (it just lost its lounge access ability)
  2. HSBC Visa Platinum
  3. Axis MyZone Rupay Card (Converted from Flipkart Axis Card for Credit on UPI access)
  4. IDFC First Millenia
  5. SimplyClick SBI VISA

But I want to replace all of these with one or two all rounder cards that gives me a wide variety of benefits (cashback, lounge, discounts, international payments, etc).

Request you all to put down your suggestions.

18mo ago
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SquishyQuokka
SquishyQuokka
Gojek18mo

ICICI Amazon is hands down the easiest card to use.

MagicalNugget
MagicalNugget
Deloitte18mo

I have applied for it so many times over the last 2-3 years yet it keeps getting rejected

JumpyRaccoon
JumpyRaccoon
Stealth18mo

Agree. The best ever card if you're not looking for lounge access.

CosmicQuokka
CosmicQuokka
Paralleldots18mo

Try to get a hdfc regalia and sbi cashback cc. For UPI use kiwi app it's virtual rupay cc.

FloatingBurrito
FloatingBurrito
Gojek18mo

Hdfc now provides a virtual rupay card on all its credit cards, though kiwi has better cashback.

BubblyCupcake
BubblyCupcake
Stealth18mo

HDFC is providing virtual rupay?

ZippyPancake
ZippyPancake
Stealth18mo

Axis Ace is a good starter card. 2% guaranteed cashback across the board

BubblyHamster
BubblyHamster
Optum18mo

you can get an additional 1% cashback if you pay a credit card bill through HDFC

DerpyPickle
DerpyPickle
Stealth18mo

How? I have an axis ace and hdfc tata neu. Can I get this too?

SparklyBiscuit
SparklyBiscuit
Tekion18mo

One card is also good

MagicalNugget
MagicalNugget
Deloitte18mo

I tried for OneCard but they say they have no offers for me.

ZoomySushi
ZoomySushi
InfraCloud18mo

Try via onescore

SquishyTaco
SquishyTaco
UiPath18mo

Amazon ICICI LTF + Flipkart Axis LTF for shopping Scapia LTF for unlimited lounge access

FuzzyWaffle
FuzzyWaffle
Stealth18mo

Any cons of scapia? It sounds too good to be true 😅

GigglyTaco
GigglyTaco
ZS Associates18mo

No international lounge access. Also some condition on spending every quarter.

SparklyDumpling
SparklyDumpling
Oracle18mo

Standard chartered ultimate. Very good reward system.. 1rp=1rs. + golf + 12-12 domestic and priority pass lounge, etc. I have 1) Regalia gold due to salary acc 2) Standard chartered ultimate my favorite
3) amazonpay icici vgood for amazon shopping.

DizzyLlama
DizzyLlama
Atlys18mo

Ultimate is quite decent, but the reward redemption doesn't offer that many options

SquishyMuffin
SquishyMuffin
Stealth18mo

@BelovedHire9 is regalia life time free for you?

MagicalLlama
MagicalLlama
Stealth18mo

Sbi Cashback HDFC Millenia Amex MRCC Axis Ace

CosmicSushi
CosmicSushi
Bosch18mo

Covers everything.

CosmicPotato
CosmicPotato
Nielsen IQ18mo

SBI cashback card - Online spends 5% SBI BPCL Octane - Offline spends and petrol HDFC TataNeu Rupay card for UPI

CosmicPotato
CosmicPotato
Nielsen IQ18mo

& IDFC select for lounge access You can replace BPCL Octane with IDFC power+ if you refill from HP petrol pumps

MagicalNugget
MagicalNugget
Deloitte14mo

@Tr0jan All banks are refreshing their CCs. Some are getting downgraded as well. Lounge Access is now spend based on a lot of cards.

GoofyJellybean
GoofyJellybean
Citi Bank18mo

SBI Cashback Credit Card + Amex MRCC + Amex Gold Charge trifecta is what you'll be able to utilise fully if you have ~30k monthly spends or less.

GoofyJellybean
GoofyJellybean
Citi Bank18mo

To understand better, please feel free to DM

MagicalNugget
MagicalNugget
Deloitte14mo

@SebastianVettel I think I have more than 30K spend per month as I make all my bill payments through CCs.

FuzzyDonut
FuzzyDonut
Stealth18mo

I would suggest going for millennia. Sure it lost its lounge access, but that's a core hdfc bank card. Based on this foundation you can climb up to DCB. And for other offers, you may take tata neu hdfx, it has the best lounge offer ig.
Above anything, try to keep a core card and build around it.

MagicalNugget
MagicalNugget
Deloitte14mo

@one_for_all Good suggestion but I am seeing online everywhere, people are using 500 different cards, redeeming points and getting free stays in a lot of 5 Star hotels. How do people even keep track?!

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