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r/CreditCardsIndiau/Kartijhyaa month agoPosts

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips

95% match

I’ve been building my card portfolio slowly and trying to maximize cashback, offers, and rewards instead of collecting cards randomly. Credit Cards SBI SimplyCLICK Credit Card -76k limit
IDFC FIRST HELLO Cashback Credit Card (FD Based)-25k
HDFC Swiggy Credit Card (orange) -74k Limit
Slice Credit Card -(95k limit)
Kotak Dream Different Credit Card (FD Based) -(Closed) Debit Cards Indie Debit Card
Kotak 811 Super Debit Card
IDFC FIRST Classic Debit Card
Axis Bank Prestige Debit Card
Slice Debit Card
HDFC Millennia Debit Card Current Strategy
Food Delivery
HDFC Swiggy Card for Swiggy orders
Zomato Kotak 811 Super Debit
Upi Payment Slice Credit Card
Amazon I use Multiple Like (kotak debit and Hdfc Swiggy Sometimes SBI CC) My Question Or need Help For:
-Any hidden tricks/offers on HDFC Millennia Debit Card or Kotak 811 Super Debit Card?
-Is there any way to maximize value from SBI SimplyCLICK in 2026?
-Any card I should consider adding next (without paying high annual fees)?
-For Recharge And Bill Payments Which Cards?
-How would you rate this portfolio out of 10 for cashback optimization?

maximize credit card rewards

r/personalfinanceu/venkat_talksa month agoPosts

Suggest the Alternative for CRED

95% match

Hi guys, I have been using CRED for credit card bill payments for the last 7 years, but honestly I am fully tired of this app now. Too much unnecessary stuff and I finally decided to stop using it and look for a safer and cleaner alternative. These are the features I am mainly looking for: Instant bill payment settlement like CRED No email access or unnecessary permissions for personal data No spam calls/messages or data selling Some decent cashback or rewards on bill payments Card management features like reminders, all cards in one place, due dates and bill tracking Most important thing is a clean and smooth UI Please do not suggest bank apps. I have multiple credit cards from different banks where I don’t even have savings accounts. Using separate bank apps and then connecting another payment app again feels pointless. Would really appreciate genuine suggestions from people who shifted from CRED and had a good experience. Thanks in advance.

cred alternative

r/CreditCardsIndiau/achinx3a year agoPosts

[Help] Axis Atlas vs Axis Magnus (Burgundy) vs Infinia Metal — ₹25L Spend Incoming

95% match

I’m about to incur expenses worth ₹25 lakhs over the next 2-3 months and need help deciding which card will give me the best value in rewards/redemptions. 💳 Cards I Have Access To: • Axis Atlas (Platinum tier possible) • Axis Magnus Burgundy • HDFC Infinia Metal 🧾 Breakdown of Spend: • ₹15L on a resort — MCC is confirmed as “travel/accommodation” • ₹10L on shopping — typical high-end retail 🎯 My Goal: I primarily want to maximize airline miles and hotel redemptions (Accor, Marriott, Qatar, Singapore Airlines, etc.). Not looking for cashback or Amazon vouchers — pure travel-focused utility.

magnus vs infinia

r/CreditCardsIndiau/Crypto997724 days agoPosts

Need suggestions on good Cashback and Reward points credit cards

92% match

Hello Everyone, we have been using these cards since last 3 years and we are good with these. I need your recommendations on Credit cards with best cashback rewards, good valued reward points and free subscriptions. Usually my relatives use these cards for their business purchases like purchasing mobile phones and televisions, mostly from Flipkart, Amazon and other merchant sites. Flipkart axis cancelled my credit card due to high cashback transactions. Need your guidance on getting good cards so that I can earn good cashback and reward. Reward Preference: Cashback and Reward points Monthly avg spend: 3-4L on all cards Current Cibil: 760

best cashback card india

r/CreditCardsIndia_u/Appropriate_Call38647 months agoPosts

Amex Plat Charge vs HDFC Infinia vs Axis M4B? Suggest pls!

92% match

We are a family of 4 living in Delhi with 3 cards right now: Ages- 50, 48, 26, 24 - Amex Plat Charge(1 + 3 add-ons), collective spend on the American Express Platinum Charge is around 20 lakhs per year - the HDFC Infinia 1 + 3 add-ons), 5 to 7 lakhs on Infinia (first year using Infinia) - and Axis Vistara Infinite (7.5 lakhs on the Axis Vistara just to hit the milestone for the three business class tickets) We have international trips every year and we are frequent travellers. We usually prefer to stay in luxury hotels and enjoy upgrades. We have upcoming trips to USA, where we will be for at least 15 days, and there will be at least one more European holiday this year. I've been reading very high recommendation posts, and I think that I should either close my Platinum Charge card or Infinia (at least one of them) and get the Axis Magnus for Burgundy with the same 1+3 add-ons for our family. Getting a card is not a problem, we have good relationships with all banks! What are your suggestions?

magnus vs infinia

r/CreditCardsIndiau/Chromaticcosmo8 months agoPosts

Infinia vs M4B for foreign education? Or should i just use net banking

92% match

I am seeking clarification on the optimal strategy for paying ₹60 Lakh in foreign education fees in 15 months of time I have received information suggesting a 10-23% savings potential using Axis Magnus for Business (M4B) or HDFC Infinia, which seems dubious. Could you please help verify: The accuracy of the 10-23% savings claim. The realistic net value (accounting for all fees and rewards) of using M4B for this ₹60L spend. I require a factual breakdown of the net savings. If using either of those cards is there a limit of transaction after which i’ll be charged extra tax or something? Is the overall benefit worth it or I would be better off transferring via net banking Please note currently i’ve axis Magnus only I’m eligible for both Infinia and M4B And I heard that M4B is being devalued or has been already so what exactly changed and is it still worth getting it? Also could Biz black/power or some Amex could be used to maximise the benefit too?

magnus vs infinia

r/CreditCardsIndiau/Necessary_Fly5640a year agoPosts

Regalia Gold LTF vs Magnus (regular) LTF - which to use

92% match

Hello - I have Regalia Gold LTF and Magnus (non Burgundy) LTF. Which should I use for better rewards overall on daily basis + buying flights/hotel payments (offline/online both) Avg monthly expenses around 50k-1lac. Occassionally goes upto 2 lacs a month. I tried for EPM, Infinia but not eligible. Can get DCB metal but it's paid and not sure if that would be better compared to LTF existing cards . Any recommendations?

magnus vs infinia

r/CreditCardsIndiau/thesahil1257 months agoPosts

Card suggestion: Axis Magnus Burgundy vs ICICI Emerald Private Metal for my profile

91% match

So i currently have HDFC infinia, Biz Black and ICICI emerald private metal. For the time being i have shifted my personal spends from infinia to EPM which are around 2-3 lac / month. and i use biz black for business spends and tax payments which are around 40-45 lac/ month.
So my points earning is almost 1.5 lac on biz black and around 10000-15000 on icici monthly.
i travel a internationally (around 3-4 times) and domestically (almost 3-4 times) / annum. My flights and hotels are well taken care by buying flights on their respective portals or by transferring to singapore airlines.
Now the question here is - Does it make sense for me to get AXIS magnus burgundy and ditch ICICI epm?

magnus vs infinia

r/CreditCardsIndiau/Doctor_Doomz12 days agoPosts

Best credit card for lounge access?

90% match

I need a credit card for lounge access Cibil around 800 Age 22 Having tata neu credit card but I am unable to meet the 50k spending criteria Is there any cc with lower spending criteria?

lounge access credit card

r/CreditCardsIndiau/sarvesh439619 days agoPosts

Current credit card reward trackers (like SaveSage) completely miss real-world stacking — we need something better

90% match

I’ve been using SaveSage and similar apps, but they don’t really match how real transactions work. Most of them calculate rewards in isolation — like “this card gives 1%” — but in real life, things stack. Example: Slice gives ~1% Kiwi gives ~1.5% on some UPI spends Amazon Pay sometimes adds offers ICICI Amazon Pay card gives 1% Plus Prime benefits can push Amazon spends to ~5% But tools just show one layer and ignore stacking. In SaveSage, I checked one transaction and it basically told me I was “getting less rewards” because it compared only card-level cashback.
But in reality I had Amazon offer + Prime benefit + card cashback stacked, and the effective return was much higher than what it suggested. What’s missing: It would actually be useful if a tool could: import UPI transactions (manual or auto) allow adding user-specific offers (Amazon/Flipkart/UPI apps) combine card + app + merchant + subscription benefits show real effective cashback, not isolated estimates Feels like we need old recharge-offer style comparison tools, but for modern UPI + credit cards.

credit card rewards tracker

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