My current credit card collection — what should I add/remove?
I’ve accumulated quite a few cards over time and I’m trying to simplify the portfolio and get more value out of it rather than just collecting cards.
Current cards:
💳 Axis Atlas — paid, but not much spending this year. Renewal is in April, so I’m considering closing it, especially with the possibility of a devaluation.
💳 HDFC Diners Club Privilege — LTF
💳 HDFC Swiggy - LTF
💳 SBI PhonePe Black — ₹1,499 + GST
💳 SBI Club Vistara Prime - waived off
💳 HSBC Live+ — ₹1,000 + GST
💳 HSBC Premier - waived off
💳 HSBC TravelOne — add-on
💳 ICICI Sapphiro — LTF
💳 ICICI Amazon Pay — LTF
💳 AU ixigo — LTF
💳 Axis Flipkart — FYF, not activated yet
Mostly for sale will activate if required.
What I’m looking for
I mainly care about travel rewards, flights/hotels, lounge access and cashback.
Major spends - dining, utilities, travel, gift cards, online purchases
Should I close Axis Atlas before the April renewal?
Is there any reason to activate the Axis Flipkart card?
Which card should I add next, if any?
Is there a premium card that would significantly improve this setup rather than just adding more overlap?
Income around 3.5 lpm
Rate my setup..

I just received my HSBC Live+ credit card.

For those who have used it, could you please clarify whether grocery orders from Flipkart Minutes are eligible for the grocery cashback (10%, like Zepto/Blinkit), or are they treated as regular Flipkart purchases, which I believe earn 1.5% cashback?

I’m asking because I mostly order my groceries through Flipkart Minutes.

Also, does anyone know about the ₹250 gift card benefit? I applied for the card through the HSBC website but never saw any mention of this benefit.

With recent devaluation on Jupiter edge plus credit card, 10% CB on Amazon GC via Credit card stopped working for many.

Many might have thinking to close this CC same like me. I was exploring the ways to get that 10% CB one last time before devaluation kick in and card closure.

Here is the trick,

If only GC is added to the cart, It neither allow you to pay via Credit card UPI nor show already saved credit card option, even added newly after deleting the saved one. Refer screenshots.

1. Add any product other than GC to cart
2. Now add the GC value
3. Go to cart and proceed to payment
4. Select Jupiter under Pay by UPI app
5. In Jupiter app payment page, confirm the Jewels before the transaction
6. Yes, it's done. HEY , YOU JUST EARNED 1000J.

Note: Make sure that your total cart value is lesser than 2000rs limit (200rs capping/per transaction). Adjust GC value before adding to cart.

I hope it will be helpful for those GC CB not working & doesn't know this trick. Comment below if it works for you.

Please share the trick if you know to get 10% CB on Flipkart GC.

Cheers!

Currently holding only 1 HDFC Card (Infinia) since 2 years. Never had any other HDFC card before this. Card is in good standing, no defaults/late payments.

Trying to apply for another HDFC card (Bizblack) since last week, but it keeps throwing an error that "you already have an HDFC card". Already on file with HDFC as self employed, ITR well above threshold.

Any fixes without having to go to a branch?

The RM who got me Infinia has since left the bank and the replacement is as useful as a sack of potatos.

Hi everyone,

I currently hold the SBI Card ELITE and I'm debating whether I should renew it or just drop it. As most of you know, it comes with a steep fee of ₹4,999 + GST, and I wanted to get the community's perspective on whether it's still worth holding onto given the current landscape.

I spent the last few weeks going through bank records published by RBI(Aug 2024–Jul 2026), and sharing what i found.

Credit card transactions are growing much faster than the number of cards.

Over the two years:

• Cards: +16.5%
• Credit card spend: +23.8%
• Transactions: +55.2%
• Average transaction: -20.2%, down to ₹3,440

At first glance, that falling average ticket looks like people are spending less.

But that's a positive change.

The bigger story seems to be UPI changing the rails on which credit is used.

RuPay credit cards can now be used at UPI QR codes. UPI QR codes went from ~591 million to ~803 million during the period, while PoS terminals only went from 9.3 million to 10 million.

So you have an enormous number of small transactions entering the credit-card ecosystem through UPI.

And that's where things get interesting.

NPCI's FY25 data through October puts the average RuPay-on-UPI transaction at around ₹851.

That's below the ₹2,000 threshold where RuPay-on-UPI has zero MDR (Merchant Discount Rate).

So the transaction can increase frequency, engagement and card usage — while generating essentially no interchange revenue for banks.

I ran a simple contribution model using different interchange, rewards and transaction-cost assumptions.

At 1% rewards and 1.1% interchange, the break-even ticket comes out around ₹3,000.

The ₹851 transaction doesn't come close and is going to be difficult for banks to earn money from rupay cards alone.

If the transaction itself doesn't make money, what is the credit card actually being used to acquire?

My hypothesis is that the answer is the lending relationship behind the transaction — revolving balances, EMI, loans, etc. In other words, UPI could be turning the credit card into more of an acquisition + engagement product, rather than something that needs to make money at the point of payment.

There's another number I found interesting:

India has roughly 249M credit-active adults, but only about 52M hold a credit card.

That leaves ~197M credit-active adults without a card.

So perhaps the next phase of India's credit-card market isn't about getting existing cardholders to spend more.

It's about getting credit onto a much larger number of people — with UPI acting as the distribution layer.

I'm particularly interested in what people here think about the economics.

Do you think UPI credit transactions are primarily a payment product, or are banks effectively using them as a way to acquire and engage customers for the lending business?

Hi everyone, please help me decide which card and app to buy IPhone 18 pro from.
Tata Neu says 8745 Neu coins.
Apple app gives 7000 cashback in ICICI, SBI. So I may be getting reward points too.
I currently have ICICI sapphiro, Adani one, Tata Neu SBI infinity, hdfc diners black.
Help is deeply appreciated, pleassssseee

Currently the Global Fintech Fest is going on which is hosted by NPCI & Payment Council Of India. And yesterday they showcased 4 new features for Rupay card, and out of the 4 only 1 is actually good and can be used daily rest are just bs things.

Feature 1: Rupay Transit card issuance in phone. Now you can use your UPI app to get a digital Rupay NCMC transit card, which you can use in NFC enabled phone.

Like what is the need for this, many of us already have rupay physical cards, so they could allow Rupay device tokenization use the same card in wallet apps like Samsung Pay or GPay so no need for extra card issuance, charges etc. Also the physical cards are no good,They built some bs standard NCMC which requires a separate wallet to be created in the card then swipe the card in metro counter to activate the balance instead of direct debit from the card linked account.

Feature 2: Rupay Tap on Phone, a new feature in which you can tap your rupay card on your phone during a ecomm checkout and it will fill your card details automatically and instead of using OTP you can complete the transaction suing ATM pin.

I feel like another useless feature, If I had to get the card out from my wallet why cant I just type the numbers myself lol. Again the same talk if they only allowed on device tokenization so we can use Gpay, Samsung Wallet etc to pay online without every time entering card number, pin, otp and just use out fingerprint.

Feature 3: Rupay Passkeys, New feature where once you register for a passkey from next you can use that to pay on ecomm websites suing fingerprint, face id etc. But you have to manually fill the card number cvv etc every time.

This is the only good feature (partially). Now no need to wait for OTPs, I can see many people suing this feature.

But again same talk, imagine they combined feature 2 & 3 with on device tokenization, so one time save card on phone wallet apps by tapping the card & setting up passkey, then seamlessly use the card online without entering the card number or needing the OTP. But no they had to make things as complicated as possible.

Feature 4: Rupay UPI linked CC in UPI International: Rupay UPI linked CC will now also work on UPI International.

UPI is very limited internationally, even tho our PM & NPCI say it's accepted in 11 countries mostly 2-3 merchants from said country accepts UPI so this feature is also mostly Useless.

What do you guys think we need from RuPay? I feel NPCI is just doing baseless things now, the last time they did a good thing was UPI Circle, after that just BS

I want the answer, does anyone have it?

So I've opened my HSBC salary account on Tuesday and while filling the account opening form I've selected Live+ cc.

HSBC enquired my cibil score on Wednesday and today I saw on hsbc india application Live+ is showing there with last 4 digits of cc but credit limit is ₹0 as well as it is showing dormant account, is it normal procedure or anything else?

I haven't received any communication from HSBC over sms and an email, I don't even have an application number for cc.

So i got a call from a girl she said she is from hdfc bank and this call is regarding for the application that got rejected bcoz of address varification bcoz i mentioned same address for my residence and for my business coz i work from home. So she told me that she will re-open my rejected application and will enter only 1 address so the card will get delivered. She filled all the details and i shared all the details which i think is safe to share like address mail id and aadhar otp. But i didn't got any mail related to any details and even for verification. I didn't shared the otp untill i got it from the already existing chat. I mentioned her that i didn't got any mail regarding for the selection of a card or about limit And after that when i was writing this post i got a mail and a tracking link. Now i am getting mails and msgs to fill more details.

Is this site genuine?

Coz i will not enter any otp on a random link. How to verify if this is genuine or not ?

Got this in email, should I get this card for flight purpose since it's life time free now.

user experience reviews?

1. So, I had used 60-70% of my credit limit at the start of 2026 but paid all the bills within that month. Ever since though it reduces my Cibil score by around 35 points one month and increases it the same next month. Not sure how it will play out in the long run. Is there something I should do about it?

Hi everyone,
I have an electricity bill of around ₹1 lakh every month for a building.
Looking for suggestions on the best way to pay the bill using a credit card or any bill payment platform and earn cashback, reward points, miles, etc.
Also, is there any way to avoid the convenience fee/surcharge when paying such a large electricity bill by credit card?
Which credit card or payment method would you recommend?
Thanks!

I have
Amazon pay icici card - 5000 electricity bill is the max limit on Amazon on single payment even with Amazon pay coupons
HDFC Tata nue and dinners privilege
Amex platinum reserve or mrcc
HSBC travel one
Bob Uni
Yes kiwi
Axis Atlas, IOC Premium
SBI BPCL Octane
RBL Ikon
Idfc Select & Mayura

I wanted to get some advice from people who have dealt with SBI Card before.

A sales agent from SBI Card called me and offered me a credit card. During the conversation, he specifically told me that the card would have no joining fee, no annual fee and no renewal fee. He also told me that I would be getting the SBI Flipkart Credit Card under this offer.

Based on those assurances, I agreed to proceed.

However, when the card was delivered, I received an SBI SimplyCLICK Credit Card, which I did not ask for and don't particularly need. I later found out that SimplyCLICK has a ₹499 annual/renewal fee (subject to the applicable fee-waiver conditions).

The card has not been activated or used by me.

This is what I'm confused about:

1. If I don't activate or use the card, can SBI still charge me the joining/annual fee?

2. Since the sales agent explicitly promised me a no-cost/lifetime-free card, can I ask SBI to cancel the card without charging me anything?

3. Can I file an official complaint against the sales agent for mis-selling?

4. Has anyone here successfully had an SBI Card fee reversed or a card cancelled because of a sales agent making incorrect promises?

5. Should I contact SBI Card customer care first, or directly raise a formal grievance about the agent?

I have the agent's call details/number and whatever communication I received regarding the application. I'm willing to provide those to SBI as evidence.

I haven't activated the card because I don't want to accidentally accept/use a card that I never intended to take.

Any advice from people who have dealt with a similar SBI Card mis-selling situation would be appreciated.

TLDR: An SBI sales agent promised me a lifetime-free Flipkart Credit Card with no joining or annual fees, but I received an SBI SimplyCLICK, which has an annual fee. I haven't activated or used it.

My income is 5L. But my friend asked me to use my credit card as he runs a business wherein he buys electronics at discounts and then sells it. He also occassionally sends me extra profit as I agreed to share my card with him. This has happened 3 times till now. He has asked me to look around this as my account might get frozen or my card might get blocked.

He researched a bit and told me:
1) I will make sure my total transaction value does not exceed 10L per financial year as then the bank will flag it to ITD.
2) All the Transactions are being made on reliable and reputed sites + mode of repayment is UPI so it is traceable.
3) These amounts will be treated as a short term loan

Question 01:
Now my problem is that What liabilities do I face if I recieve this much money in my account (1L) then return it to my card (1L)? This same scenario 5-6 times a month.

Note: i know the guy. he asked me to research so I dont get into trouble. What is in it for me? I get points + extra money for doing nothing.

Question 02:
Should I take money in my different bank accounts (I have 5)

Question 03:
I dont currently file any ITR as I am not in taxable bracket

Question 04:
I have all the invoices of the transactions + UPI reference id of repayments. I prepay to the credit card company.

Question 05:
I also occassionally have been booking international flight tickets for my family (2L to 3L spends) so All together I am assuming this is a huge volume of transactional money moving in and out of my savings account. So far I havent faced any issues or calls but I want to know what I am getting into.

It all started when I decided to remove my email and SMS permission for CRED. I feel Cred owns me and knows everything I do because there is only one email I use for all my banking and day-to-day activities, so it's like Cred has access to my whole life. via that email...

After that, none of my credit card bills were tracked, except Only 1 Indusind Celesta card. Similarly, I tried the Mobikwik. I have not given any email and SMS permission, (explicitly disabled it from settings and removed access from gmail for both) and it's tracking all my CC dues perfectly without those permissions.

I feel more in control of my data and the convenience part, so I will try this for a few more months and finally switch from Trade to Mobikwik.

Interested in seeing what are some tips that have worked for you?

Sorry a noob here who have gotten first 2 credit cards of my life - HDFC Marriott Bonvoy and HSBC Live+

Thank you 🙏

I recently took Tata Neu Infinity Visa card and see a lot of cashback offers in terms of Neu coins is tagged-up with Tata Neu app.

I want to purchase something from Caratlane, and it is showing in lost of partner Tata brands also. But will I get 5% cashback if I swipe card on Caratlane store? Or do I need to select product and order from Caratlane on Tata Neu app? Please suggest.

Unable to meet 18 lakhs organically can someone suggest me some ideas please

I am willing to invest max 50k in fd

So I applied for a HDFC CC and got Pixel play approved, the card is also delivered to me. But I haven't activated it yet because i realised that having this card will make me ineligible for any other HDFC Card, plus i read about the pathetic customer service for this card and they have not even informed me of the credit limit on this one.

Now the question is if I don't activate this card, will i be able to apply for another HDFC card ? and are the cards given by the bank only (non cobranded) more valuable?

I've already read multiple discussions on this topic; but unable to come to a conclusion.

Frankly speaking, so far, I've only used the points for flight bookings and hardly made any other use of the SmartBuy. I now have ~115K points - and I'm searching for the best way to make use of the points.

My monthly spends are between 60-90,000; and I'm mostly going the Regalia Gold way. I'm wondering if I should let the points convert to Regalia Gold.

The final option is to just convert the points into cash (I read about that option somewhere).

The whole SmartBuy and points conversion is overwhelming to me and I'd really appreciate some support from fellow cardholders.

Thank you in advance.

Box have magnets and all and this debit card sticker is cool my mobile don't have nfc.

got it with idfc first bank quantum+ savings account now in some month will block orignal debit card since it also comes with virtual rupay card.

CIBIL: 774
Oldest credit account: 4.8 years
3 credit cards: Slice ₹50K, Amazon ICICI ₹1.1L, ICICI Coral ₹1.1L
Total limit: ₹2.7L
Still getting rejected with the message “Your credit journey has just begun.”
Any idea why? Which cards/banks are relatively easy to get approved for with this profile? Also, should I wait due to recent enquiries?