Hi everyone!
I have the following credit cards which I use mainly for pruchases from Amazon/Dmart/Jio Mart, utility bill payments, medical store purchases, insurance premiums, NPS payment, occassional swiggy deliveries and UPI payments to street vendors.
- HDFC DCB for insurance premiums
- IDFC First Select
- Axis Ace for utility bills
- SBI Simply Click
- Kotak League for UPI spends
- OneCard issued by Federal Bank
- IDFC First Wow for low forex charges
I was looking to apply for some more credit cards esp LTF ones to take advantage of any merchant offers. Below is the list I am considering alongwith reasons why
HSBC Cashback: earlier I got 5% cashback on payments made by IDFC First and 7% cashback on payments made by Kotak cards while ordering from Dmart but these offers have been discontinued now so I was considering HSBC Cashback for 10% CB on grocery purchases but I wanted to be sure if purchases from Dmart/Jio Mart/Amazon are eligible for 10% CB if anyone has used can please confirm.
SBI Cashback: If theres no 10% CB on purchases from above stores i might consider SBI cashback card as I place online orders for Dmart/Jio mart/Amazon and would get 5% CB.
ICICI Amazon Pay: Since this is LTF and since Axis Ace recently got devalued I would like to have this as a backup to Axis Ace or any of the above 2 cashback cards.
ICICI Platinum: If ICICI Amazon Pay application doesnt get through and for ICICI merchant offers.
Indusind Platinum Rupay: Since its reward rate are better than Kotak League for UPI spends.
Bank of Baroda Easy or ICAI exclusive card: Since the UPI rewards rate is not as good as Indusind Platinum Rupay is it better to opt for Visa or Mastercard variant for any additional benefits?
HSBC Platinum: LTF card for joining benefits.
Standard Chartered Platinum rewards: For merchant offers
PNB Select: For Rupay Select and merchant offers
IDBI Aspire: LTF card for merchant offers
AU Xcite: I am eligible for this card but I didnt apply for it as my monthly spends will never cross 20k and also because they rejected the application as the name of my company wasn’t mentioned on the name board at the ground floor of the office building or some miscommunication about office address.
Not eligible for Federal Bank LTF cards as i hold OneCard issued by Federal Bank.
Not interested in Axis Neo/MyZone which are LTF for now and also devalued again as Ace is better.
Not interested in HDFC Bank cards as none if then are LTF unconditionally although I do have a Max Savings salary account with them. They could waive off charges based on usage but I do not want to take a chance. Was eligible for FYF Tata Neu Plus.
Not really interested in Amex cards unless they really offer better value compared to any of the cards i hold or desire above.
Not eligible for Indusind Legend or Tiger atleast a couple of months ago. Eligible for Platinum Aura, EazyDiner Platinum, and Platinum Rupay.
The last card I got was Kotak League around Sept 2023 and since then there have been CIBIL checks for HDFC Bank/AU Bank/Indusind Bank for credit cards and also due to a job application with ICICI Bank.
Please suggest priority in which I should acquire above cards and how many applications per month is acceptable without any drop in credit score and also please answer my queries regarding HSBC Cashback card. Thanks in advance!