How many credit cards do you have?

G

gourav

Herald
With different cards offering different benefits, every once in a while, I feel like applying for a new card. But I already have 3 and am wondering if having too many has any downsides. Of course, managing the bills is one, and I'm quite annoyed by it sometimes since there's no good aggregation/automation platform. But I think I can manage if I fall into the routine.

So how many credit cards do you have? (especially aimed at people whose expenses with credit cards are more than 50k a month).
 
Theres already one threads which sums up all CC discussions..

"Do you have XYZ Credit Card?" Thread

This thread has been opened for people who want to ask if another member has a specific bank credit card as they themselves don't have and wish to buy a product wherein using that particular bank card may result in more savings. For example, during the Big Billion Days or the Flipkart sales...
techenclave.com techenclave.com
 
nRiTeCh said:
Theres already one threads which sums up all CC discussions..

"Do you have XYZ Credit Card?" Thread

This thread has been opened for people who want to ask if another member has a specific bank credit card as they themselves don't have and wish to buy a product wherein using that particular bank card may result in more savings. For example, during the Big Billion Days or the Flipkart sales...
techenclave.com techenclave.com
Click to expand...
That serves a completely different purpose. There is this recommendation thread -

Credit card recommendations?

2% I got 1%. Paid amount on apollo pharmacy via amazon pay wallet (arrived at amazon.in payment page, paid by entering card details) Got sms confirmation that amount added to amazon pay and amount deducted from Amazon wallet. :rolleyes: Are there any specific merchants on which we get 2% or any...
techenclave.com techenclave.com
 
gourav said:
With different cards offering different benefits, every once in a while, I feel like applying for a new card. But I already have 3 and am wondering if having too many has any downsides. Of course, managing the bills is one, and I'm quite annoyed by it sometimes since there's no good aggregation/automation platform. But I think I can manage if I fall into the routine.

So how many credit cards do you have? (especially aimed at people whose expenses with credit cards are more than 50k a month).
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Can you disclose which cards you're holding?
 
Slayer69 said:
Can you disclose which cards you're holding?
Click to expand...
Sure, why not.
I have HDFC Millennia, ICICI Amazon, and Flipkart Axis. Only ICICI is lifetime free.

I got Millennia only 2 months ago. My usage of ICICI CC has gone down significantly after getting it as Millenia offers straight to account cashback, making it better for small purchases.

I've been thinking of applying for SBI or IndusInd cards as they have good offers on MMT, which I use frequently.
 
gourav said:
Sure, why not.
I have HDFC Millennia, ICICI Amazon, and Flipkart Axis. Only ICICI is lifetime free.

I got Millennia only 2 months ago. My usage of ICICI CC has gone down significantly after getting it as Millenia offers straight to account cashback, making it better for small purchases.

I've been thinking of applying for SBI or IndusInd cards as they have good offers on MMT, which I use frequently.
Click to expand...
Apply for SBI Cashback - personally would choose SBI over Millenia because Millenia cashback calculation is incorrect many times recently
Cashback card not eligible for instant discounts on e-com sites
Cashback card gives 5% on most of the merchants compared to select few for Millenia

Have a personal agenda against HDFC for gatekeeping their CCs

IndusInd Legend you can get for instant discounts and it's always issued as LTF nowadays

And considering yours spends are high then I recommend more expensive cards
 
Sure, why not.
gourav said:
I have HDFC Millennia, ICICI Amazon, and Flipkart Axis. Only ICICI is lifetime free.

I got Millennia only 2 months ago. My usage of ICICI CC has gone down significantly after getting it as Millenia offers straight to account cashback, making it better for small purchases.

I've been thinking of applying for SBI or IndusInd cards as they have good offers on MMT, which I use frequently.
Click to expand...
Any option to get Millenia ltf?
 
Slayer69 said:
Have a personal agenda against HDFC for gatekeeping their CCs
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Lol, not a big fan of any of these banks. But I have salary account with HDFC and have owned this card for 8 years. Just upgraded I'm cashback to Millenia 2 months ago. This is also the only card I have which has a high credit limit.
nRiTeCh said:
Any option to get Millenia ltf?
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I have their salary account and have owned the card for ages. Still need to meet spend limit to get annual fee waiver. So far it's never been a problem as I had only one card till a year and half ago. Will have to monitor now.
 
gourav said:
Lol, not a big fan of any of these banks. But I have salary account with HDFC and have owned this card for 8 years. Just upgraded I'm cashback to Millenia 2 months ago. This is also the only card I have which has a high credit limit.
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Which bank would you prefer out of the ones which can service you?
 
gourav said:
Sure, why not.
I have HDFC Millennia, ICICI Amazon, and Flipkart Axis. Only ICICI is lifetime free.

I got Millennia only 2 months ago. My usage of ICICI CC has gone down significantly after getting it as Millenia offers straight to account cashback, making it better for small purchases.
Click to expand...
I'm considering millenia as it's being offered ltf but i don't have an account with them. Do they give cashback details for each transaction in their statement mail?
 
rockstah said:
Do they give cashback details for each transaction in their statement mail?
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No
Slayer69 said:
Which bank would you prefer out of the ones which can service you?
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Based on feedback I see here and on Reddit, all I can say is your experience will not be the same as mine. Different people praise one bank over the other.

Mostly, you don't need to deal with the bank personally these days, everything happens online. So you don't need to worry a lot. People do tend to have a more positive opinion of ICICI over HDFC. Personally, my experience isn't all that bad. Apart from my 1-year long struggle to get my CC address changed, everything else has gone smoothly.
 
Slayer69 said:
Apply for SBI Cashback - personally would choose SBI over Millenia because Millenia cashback calculation is incorrect many times recently
Click to expand...
SBI Card has the worst customer support among all major credit card companies in India. If you think Millennia cb calculation is incorrect then wait till you see sbi card calculations & reversals.
 
guest_999 said:
SBI Card has the worst customer support among all major credit card companies in India. If you think Millennia cb calculation is incorrect then wait till you see sbi card calculations & reversals.
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I've used the cashback card since it was first launched and have always received correct amount of cashback on all MCCs
 
Slayer69 said:
I've used the cashback card since it was first launched and have always received correct amount of cashback on all MCCs
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CB card was launched with much fanfare but as expected the sever misuse already started its downfall starting with monthly cb limit reduction from 10k to 5k. You probably use it on major known ecomm platforms like amazon/fk/myntra etc but ppl already started complaining about various travel portals incorrectly calculating cb as "travel-railway" category a few weeks back 7 the situation is only going to get worse.
 
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