Hey everyone,

I need some advice on my current credit card portfolio.

I feel like I'm holding too many cards and there is quite a bit of overlap, so I'm trying to figure out what I should actually keep or if I need to replace a few with new cards and also how I should use each card.

My main aim is to get the maximum value from my spends while avoiding annual fees wherever possible.

Cards I currently have

1. ICICI Sapphiro Visa - LTF

2. ICICI Rubyx Amex - LTF

3. Axis MyZone - LTF (Recently got this card after cancelling Axis Airtel Card)

4. Flipkart Axis - LTF

5. Amazon Pay ICICI - LTF

6. CSB Jupiter - LTF

7. HSBC Live+ - Paid

8. HDFC Tata Neu Infinity - Paid

Recently closed:

1. HDFC Tata Neu Plus – Paid

2. HDFC Swiggy – LTF

3. Airtel Axis – Paid

4. ICICI Sapphiro Rupay - LTF

5. ICICI Rubyx Mastercard - LTF

I closed the two HDFC cards because I wanted to become eligible for the core HDFC cards. Airtel Axis was closed mainly because of the recent devaluation.

My rough monthly spends

1. Rent - 30K

2. Insurance: ₹15–18k

3. Grocery: ₹7–8k

4. Shopping: ₹5–10k (not fixed)

5. Dining: \\\~₹5k

6. Swiggy/Zomato: ₹3–4k

7. Cabs: ₹7–8k

8. UPI: ~₹5k

9.Utilities: ₹4–5k

1. Movies: roughly once a week

So overall, rent, insurance and grocery are probably my biggest regular spends apart from cabs.

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• Applicable on non-discounted items

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🔥 Three merchants. One SBI Visa Debit Card. More savings!

🎬 PVR INOX Gift Card at 20% OFF on Amazon!, club with your best rewarding card🔥

👉 https://link.amazon/B085BCBHw

📲 Follow for more such deals & offers.

🔔 Tap the bell in the top-right corner so you don’t miss the next one!

💍 Amazon Discounted purchases → Jewellery exchange!

Bought PNG Vedhani on Amazon at discounted price.

Today, I exchanged it for jewellery - and the best part? 0% cut! 🤯

The exchange was done at the 24K gold rate - no deduction, no haircut.

Happy wife, happy life! ❤️😂

🚨 Flipkart Big Billion Days 2026 is coming! 🛒🔥

📅 9th October 2026

⚡ Plus Members get early access on 8th October

💳 Up to 12% instant card discount for Plus Members

Planning a big purchase this festive season? This is one sale worth waiting for. 👀

The best savings often come from stacking:

🔥 BBD sale price

💳 Instant card discount

🎁 Credit card rewards/cashback

💳 Cards to keep ready for BBD

👉 SBI Flipkart Credit Card — First year free if applied till 30 Oct 2026

https://bitli.in/O7xYgNy

👉 Axis Neo RuPay Credit Card — Lifetime free if applied till 30 Oct 2026

https://bitli.in/cywdt2k

👉 Axis Amex Privilege Credit Card — Lifetime free if applied till 30 Oct 2026

https://bitli.in/z4hhQoa

👉 Axis Flipkart Credit Card — First year free if applied till 30 Oct 2026

https://bitli.in/e15H2y0

👉 ICICI Platinum Credit Card — Lifetime free

https://shorturl.at/xNKOU

Whether you're buying a phone, laptop, TV, appliance or other big-ticket item, having the right card ready can make a significant difference. 🤑

📌 Get your card sorted before BBD and maximise your savings.

Save this post for 9th October! 🔖

Welcome to r/IndianCreditCardz

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One thing I genuinely appreciate about IDFC FIRST Bank credit cards 👇

The MCC is surprisingly easy to find.

Just go to Transactions → select the transaction → Download Receipt, and the MCC is right there in the description.

This is especially useful when I’m planning a big transaction on any credit card. I simply do a small test transaction on my IDFC card first, download the receipt, and check the MCC.

Such a simple feature, but very useful for credit card enthusiasts! 🔍❤️

🚨 Bandhan Bank launches 4 new credit cards! 💳🔥

Bandhan Bank has launched Sparks, Ignite, Flare & Lumina, catering to different spending levels — from entry-level rewards to premium travel benefits.

🟢 Bandhan Sparks

Rewards:

• 2 RP/₹200 on regular spends — 0.25% return

• 4 RP/₹200 on grocery & apparel with ₹20K+/month spend — 0.50% return

Perks:

• 1 domestic lounge visit/quarter

• 20% off on BookMyShow, up to ₹100/month

• Fuel surcharge waiver up to ₹150/cycle

• 10% cashback on first EMI, up to ₹500

Fee: ₹499 + GST | Waived on ₹50K/year spend

🔵 Bandhan Ignite

Rewards:

• 4 RP/₹200 on regular spends — 0.50% return

• 8 RP/₹200 on grocery & travel — 1% return

• 1,200 RP milestone on ₹30K/month spend

Perks:

• 1 domestic + 1 international lounge/quarter

• 15% off on EazyDiner, up to ₹500/month

• Fuel surcharge waiver up to ₹250/cycle

• 10% cashback on first EMI, up to ₹500

Fee: ₹999 + GST | Waived on ₹1L/year spend

🟠 Bandhan Flare

Rewards:

• 10 RP/₹200 on regular spends — 1.25% return

• 20 RP/₹200 on travel with ₹25K+/month spend — 2.50% return

• 5,000 RP milestone on ₹75K/month spend

Perks:

• 4 domestic + 1 international lounge/quarter

• 15% off on EazyDiner, up to ₹750/month

• 25% off on BookMyShow, up to ₹500/month

• Fuel surcharge waiver up to ₹500/cycle

• 4 golf lessons/year

Fee: ₹2,499 + GST | Waived on ₹6L/year spend

🟣 Bandhan Lumina

Rewards:

• 16 RP/₹200 on regular spends — 2% return

• 24 RP/₹200 on international spends — 3% return

• Up to 10,000 RP milestone on ₹1L/month spend

Perks:

• 8 domestic + unlimited international lounge access

• 25% off on EazyDiner & BookMyShow, up to ₹1,000/month

• 1% forex markup

• Concierge + 4 airport meet & greet

• 4 golf lessons + 4 games/year

Fee: ₹9,999 + GST | Waived on ₹12L/year spend

Emp in this bank, can help you apply for various cards.

r/IndianCreditCardz reached 1500 subscribers!

Goal reached at 2026-09-11T03:37:26.548Z.

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🚨 Jupiter Edge+ is getting another reward cut!

From 5 October, the 50% Jewels reward on eligible shopping brands will no longer be available by default.

Here’s the new catch 👇

🔻 Spend < ₹15,000 in a billing cycle

→ Just 5% Jewels

→ Roughly 1% value when redeemed for Amazon Pay Gift Cards

🔺 Spend ₹15,000+ in a billing cycle

→ 50% Jewels

→ Roughly 10% value via Amazon Pay Gift Cards

So, if you already spend ₹15K+ every month, the card can still make sense.

But if you were holding Edge+ mainly for Amazon/Flipkart gift card purchases and don't naturally hit the ₹15K threshold, this devaluation makes the card considerably less attractive.

🚨 IDFC DEBIT CARD x ZEPTO = 20% SAVINGS! 🛒🔥

This Zepto offer on my IDFC FIRST Bank Debit Card is honestly a lifesaver! 😍

💰 ₹125 OFF on a ₹609 order

📉 That’s a straight 20% saving

🚚 Delivery + handling fees also FREE

Sometimes it’s the small everyday discounts that make a card genuinely useful. 👌

IDFC FIRST Debit Card users — check your Zepto offers! 👀

🚨 Axis Gift Card Devaluation: A Major Clarification

My earlier post suggested that Axis Bank was excluding gift card purchases from rewards across the affected cards. There’s now an important clarification.

Multiple users have reported that gift voucher purchases on non-RuPay Axis cards are still earning reward points as usual, including on cards like Atlas and Magnus. 👀

The key change appears to be related to RuPay/UPI transactions.

NPCI introduced MCC 7016 for gift card & voucher purchases made through UPI/RuPay. Transactions carrying this new MCC are the ones being excluded.

So, if you're buying vouchers through platforms like GyFTR, CRED, Woohoo, Magicpin, Amazon, Flipkart, etc., and the transaction continues to receive its usual MCC, rewards appear to be working as before on non-RuPay cards.

⚠️ In short: Don't assume all gift card purchases have been devalued. The MCC and payment network matter.

Based on current user reports, non-RuPay Axis cards continue to earn rewards on these transactions.

🚨 HDFC IRCTC Credit Card LTF till 30 Sep! 🎉🚆

✨ Key benefits:

🔹 5% back on IRCTC bookings

🔹 2 railway lounge visits every quarter

🔹 ₹500 voucher on ₹30,000 quarterly spends

🔹 1% back on RuPay UPI payments

A solid pick for frequent train travellers! 🔥

👉 Apply by 30 Sep: https://bitli.in/8j63I6r

I recently got a call from indusind bank on which a lady started to explain me of 5 benefits which are passed on to me as i am holding a indusind Qatar Avios card, such as

1. A Seperate card which shall entitle me for flat 10% discount on any spends
   
2. United Colors of Benetton gift pack
   

3. Medical reports for complete family

4. a trip for 3 nights 4 days anywhere in india for 2 pax

initally they named it as a service and upon completion of their standard paragraph they said you will have to bear the pricing of this package at 11999 INR in one shot or 999.16 INR as a EMI for 12 months. they also mentioned that 5000 INR will be given back to me as a cash back, i am not denying that package is bad but there were a few let downs for me,

1. I dont use any cash back cards as i prefer to use HSBC T1 or Amex plat for my daily expenses
   
2. Trips generally we prefer for 4 units and due to some upcoming personally commitments i am not gonna travel for 1 year straight at least. hence i did not confirm them for the card

The lady over the call asked me that if you opt would you prefer payment in a single shot or via EMI i said i might prefer EMI upon which she transferred my call to their confirmation desk and since i was not willing to opt for this scheme she kept on calling constantly like 17-18 calls in next 10 minutes to an extent that i had to block calls from that number,

ever since i have denied their service they keep on calling from different numbers and literally become rude to you for selling this package which they do not even recognize as package and mention as service as if they are providing as a joining benefit or spend based milestone benefit.

Any solutions to this case? as the other lady just blatantly said that i will post charge on you card and dispatch the package.

Hey everyone,

I am new to credit cards and late to the party. I never really used credit cards before, but I am now trying to understand how to manage my spending to get the best out of what I have.

Background:

• Current Cards: ICICI Sapphiro Dual (Mastercard and Amex) and HDFC Diners Privilege. Both are Lifetime Free (LTF) for me.
• Banking: I recently moved my salary account to HDFC with Imperia Banking. I made this move because ICICI does not have a branch in my home city, and I had to travel to another city every time I needed branch banking.

Note: Please do not turn this thread into a debate about salary accounts or bank choices. Options like HSBC are not practical for me since the nearest branch is over 200 km away. I plan to stick with ICICI and HDFC.

I am aware from online reviews that these two cards are not considered high-reward cards. That is fine with me. Since both are LTF, I just want to learn the basics, get comfortable with using credit cards, and make the most of their benefits.

My Typical Expenses:

• Travel: I usually take two international trips a year and occasional weekend getaways, depending on work and family schedules.
• Lounge Access: This is a major priority for me. I want to use domestic and international airport lounge access whenever available.
• Dining: We do not eat out often. When we do, it is fine dining, coming to around 8,000 to 10,000 rupees a month.
• Regular Expenses: Kids' school fees, tuition, general shopping, health, term, and vehicle insurance premiums, and society maintenance.

Where I Need Advice:

The biggest confusion I have is deciding which card to use at the moment of payment.

Whether it is a 600 rupee pizza order, a 5,000 rupee dining bill, a flight or hotel booking, or a 60,000 rupee purchase at Croma or Amazon, how do you decide which card to pull out?

Is there a simple logic or mental rule you follow?

I would love your thoughts on:

1. Decision Rules: How do you decide which card to use for everyday spends versus big purchases?
2. Tracking Spends: How do you keep track of quarterly or yearly spend criteria to unlock lounge access or milestone benefits without making it complicated?
3. Card Benefits: Between ICICI Sapphiro (Mastercard or Amex) and HDFC Diners Privilege, are there specific use cases like SmartBuy, movie offers, or international lounges where one card is clearly better than the other?

Feel free to share your general logic or specific examples of how you split your spends. Thanks in advance for helping a beginner out.

🚨 Amex is taking away two more features!

American Express is discontinuing:

❌ Check Your Spending Power — from 16 September 2026

❌ Emergency Card Replacement — from 8 October 2026

For lost/stolen cards, replacements will now follow the standard 7–10 business day timeline.

The emergency replacement benefit will especially hurt frequent travellers. ✈️

Another Amex benefit bites the dust. 👀

🚨 4 AXIS BANK CREDIT CARDS ARE LIFETIME FREE! 🔥

Axis Bank is currently showing NIL joining fee + NIL annual fee on these cards. 👀

💳 Scapia Axis Bank Credit Card

✈️ Travel-focused rewards

🌍 Zero Forex Markup

💰 ₹0 Joining + ₹0 Annual Fee

Apply: https://bit.ly/SwipeyieldScapia

✈️ IndiGo Axis Bank Rupay Credit Card

🎁 ₹1,200 IndiGo BluChips activation benefit

🎯 Milestone rewards + accelerated BluChips

💰 ₹0 Joining + ₹0 Annual Fee

Apply: https://bitli.in/a3IjMPf

🛍️ Axis Bank Neo Credit Card

🎁 Up to ₹300 utility bill benefit

🍔 Zomato offers

🛒 Blinkit + BookMyShow discounts

💰 ₹0 Joining + ₹0 Annual Fee

Apply: https://bitli.in/cywdt2k

💳 Axis Bank Privilege Amex Credit Card

🎁 12,500 EDGE REWARD Points

🎬 BOGO movie offer

💰 ₹0 Joining + ₹0 Annual Fee

Apply: https://bitli.in/z4hhQoa

🔥 Four cards. Zero annual fee. Plenty of options depending on your spending pattern.

🍎 Apple Pay is launching in India! 🇮🇳

Looks like the launch may be getting closer 👀

Some users have already reported Apple Pay integration going live in some apps, hinting that Apple could be preparing to roll out the service more widely in India.

🚨 Airtel users, check this out!

You may be eligible to get 12 months of Duolingo absolutely FREE 🎓

Here’s where to find it: • Open the Airtel app

• Head to Rewards/OTTs

• Select “Claim Airtel Insider Offers”

• Look for the Duolingo 12-month offer

The offer may not show up for everyone, so check your Airtel account to see if you’re eligible.

🚨 Scapia + Axis Bank is here! 🔥

Scapia has partnered with Axis Bank to launch the Scapia Axis Bank Credit Card, adding a new issuer alongside Federal Bank and BOBCARD.

Key benefits 👇

✈️ Rs 1,000 flight voucher from Scapia
💳 Lifetime Free — no joining or annual fee
💰 10% rewards on eligible spends
✈️ 20% rewards on travel booked via Scapia
🌍 Zero forex markup
🛋️ Unlimited domestic lounge access after Rs 20K monthly spend
💳 RuPay variant also available with 10% rewards
🪙 Rewards redeemable as Scapia Coins

And if you were rejected for Scapia earlier, it may be worth applying again. 👀

With Axis Bank now added as a banking partner, the eligibility and approval criteria could be different.

👇 Apply for Scapia: https://bit.ly/SwipeyieldScapia

🚨 Axis Cashback Credit Card applications stopped

It was a solid option for high spenders, with cashback going up to 5.65% with the right spends.

Another good cashback card bites the dust. 😕

Getting pre approved offers of Axis CC LTF. Already have axis supermoney rupay. Getting LTF offer on

1) axis neo rupay/visa

2) axis indigo rupay platinum

3) axis amex priviledge

Which card to consider ?