Credit Card Recommendation
I have a Axis Magnus card but now the card is of barely any use and have to pay the annual fee as well :(
I want to get a credit card that rewards my spends by atleast 5% as my spends are across Amazon, Flipkart, Swiggy, Uber & Myntra.
Which card do you want to recommend? Have heard that Swiggy card has now also become good with direct statement credit.
HDFC Millenia card offers 5% cashback for all the sites that you've mentioned.
Millennia’s eligibility criteria is very high. You need to have 2.5L+ per month salary and 1L+ or similar spends in last 3 months on your existing card.
No, its 35k pm for salaried individuals.
Check this https://www.hdfcbank.com/personal/pay/cards/millennia-cards/millennia-cc-new/eligibility
Just call Axis customer care and ask them to suspend your Magnus card. When they ask for a reason, tell them it's no longer useful to you. They might issue you a voucher equivalent to your annual fee or try to persuade you not to suspend the card. Negotiate with them to remove the annual fee, making the card free for a lifetime. They usually agree to this.
Hdfc infinia
you can have these three
Amazon pay 5% ON amazon
Hdfc Milliina 5% on all the sites you mentioned
Scope smart card flat 2% on all online spends
advantage of all three is no redemption charges and conversion rewards to money instead of some product
Till now I have received a reward of 12k with an icici Amazon card. No annual fee as well. I have been using this card since nov 2022.
Axis airtel is your best bet, it probably has the most cashbacks for any bill payment credit card out there
I have using Amazon ICICI card since last 4 yrs. So far recieved 16k + cashback
Speaking from personal experience don’t take any. If you don’t use it then you probably don’t need any.
Try to adjust and only take a card if utmost necessary. If you do want it get a Rupay Card like Tata Neu or something.
