If having more than 1 credit card then how do you decide which one to use and when
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Which has better reward system
Can add one option that gives cashback
I have 12 cards. I use my HDFC Regalia gold for almost everything as it gives the best returns amongst the lot. I have Myntra, Amazon and Flipkart cards that I use in the platforms to get cashbacks and discounts. Other cards are used only for card offers. I also have Sodexo card, which I use for ordering food and groceries from swiggy/Zomato.
Depending on applicable offers.
If I have co-branded cards, I use it while transacting with that particular brand. For other standalone cards, the one with better rewards. I have been using CCs for a long time and follow latest updates about CCs, it's almost ingrained in me when to use which card.
Rewards
Flipkart axis bank card limit is 30k so i use it for tap&pay . Hdfc dinners club and money back for big spends 3l limit.
If somehow my axis got stolen without my knowledge, only 30k will be gone.....
I firstly check if there is an offer on one of my cards, if yes, I use that.
If not, I use the card which has the best rewards (which is also the card with the highest limit and highest annual fee which gets waived on spending x lacs/year). Hence, I use this card in general to hit that spends target.