Last Infinity stone for my Cashback CC gauntlet
Man, I'm here to share my credit card journey over the past six months. I waited a long time to post this with how weirdly HSBC ghosts you after the vKYC lol.
I joined this sub in June/July of last year with a very naive question, asking whether my floater card spends would count towards the fee waiver spend for my main card. That single question led me down a whole new path of strategic spending habits, which has made managing my finances so much easier on a moderate salary of 46k per month. I sincerely thank all the card gurus here for opening my eyes to how rewarding a balanced card portfolio can be!
For all the stupid posts and questions in between, this is still my favorite credit card sub.
Coming to my cards. Currently, I hold 6 cards: HDFC Swiggy, Millennia, Amazon Pay ICICI, Kiwi Klick, Airtel Axis, and, finally, the card I wanted the most my HSBC Live+ (I received it randomly on my birthday, truly felt like a gift)
I recently shared my credit card timeline with someone, so I'll just copy-paste it here with a few edits:
Swiggy (LTF): Until the middle of last year, I only had a Moneyback+ card. I saw an LTF offer for the Swiggy card on the app, so I applied and got it. Luckily, right after I received it, the settlement to the credit card statement for cashback was announced. I used it extensively until September, until I was offered a Millennia upgrade on my Moneyback+ FYF.
Millennia (FYF): I used the Millennia card everywhere except Swiggy until I received the Kiwi card in November. The renewal fee will be waived as spending 1 lakh in a year isn’t too difficult. A very cool anecdote btw: I used my moneyback+ to book 20k+ Coldplay tickets on BMS, luckily my cc got upgraded to Millennia before the billing cycle and they gave me 1000 cashback for it ✨ timing was on my side.
Kiwi (LTF): I was on the waitlist, and they eventually offered the card to me through the app. I got it right away, and I mainly use it for UPI payments.
Airtel Axis (Paid): I received a notification on the Airtel app saying I was eligible. I applied and got it. Initially, I didn’t plan on activating it since it had an annual fee, but then I saw it had the highest limit of any card I’ve received, so I decided to activate it. With the welcome voucher, it became effectively FYF. I don’t plan on spending the minimum amount required for the renewal fee waiver, but this card easily gives me 500+ cashback per month, which will cover the fee.
Amazon Pay CC (LTF): I was offered this card just a week ago via the Amazon app. I took it because it’s free. I don’t have much use for it, but I’ll use it if I make any large transactions (over 20k) on Amazon. Otherwise, Millennia is enough.
HSBC Live+ (Paid): This is the only card I’ve ever truly sought out, and it's perfect for my spending habits. I applied for it through the CashKaro app, which will give me 2200 cashback. Then, the card will give me a 1000 voucher if I spend 20k in a month. Essentially, my joining and renewal fees will be covered for almost two years. Also, this card is so clean and beautiful, even the name is on the back.
Regarding cashback, many people rave about the SBI Cashback card, but at this point, it holds no value for me. I already have similar or even better deals with my other cards. Also, getting SBI Cashback card directly means an absolutely shit credit limit, which severely brings down the cashback potential each month.
Okay, that's all folks! Thank you again! Keep helping others and sharing new tricks for maximizing rewards. I'm going to take a break from applying for any more cards for a long time and just enjoy the benefits of the ones I have.
Man, I'm here to share my credit card journey over the past six months. I waited a long time to post this with how weirdly HSBC ghosts you after the vKYC lol.
I joined this sub in June/July of last year with a very naive question, asking whether my floater card spends would count towards the fee waiver spend for my main card. That single question led me down a whole new path of strategic spending habits, which has made managing my finances so much easier on a moderate salary of 46k per month. I sincerely thank all the card gurus here for opening my eyes to how rewarding a balanced card portfolio can be!
For all the stupid posts and questions in between, this is still my favorite credit card sub.
Coming to my cards. Currently, I hold 6 cards: HDFC Swiggy, Millennia, Amazon Pay ICICI, Kiwi Klick, Airtel Axis, and, finally, the card I wanted the most my HSBC Live+ (I received it randomly on my birthday, truly felt like a gift)
I recently shared my credit card timeline with someone, so I'll just copy-paste it here with a few edits:
Swiggy (LTF): Until the middle of last year, I only had a Moneyback+ card. I saw an LTF offer for the Swiggy card on the app, so I applied and got it. Luckily, right after I received it, the settlement to the credit card statement for cashback was announced. I used it extensively until September, until I was offered a Millennia upgrade on my Moneyback+ FYF.
Millennia (FYF): I used the Millennia card everywhere except Swiggy until I received the Kiwi card in November. The renewal fee will be waived as spending 1 lakh in a year isn’t too difficult. A very cool anecdote btw: I used my moneyback+ to book 20k+ Coldplay tickets on BMS, luckily my cc got upgraded to Millennia before the billing cycle and they gave me 1000 cashback for it ✨ timing was on my side.
Kiwi (LTF): I was on the waitlist, and they eventually offered the card to me through the app. I got it right away, and I mainly use it for UPI payments.
Airtel Axis (Paid): I received a notification on the Airtel app saying I was eligible. I applied and got it. Initially, I didn’t plan on activating it since it had an annual fee, but then I saw it had the highest limit of any card I’ve received, so I decided to activate it. With the welcome voucher, it became effectively FYF. I don’t plan on spending the minimum amount required for the renewal fee waiver, but this card easily gives me 500+ cashback per month, which will cover the fee.
Amazon Pay CC (LTF): I was offered this card just a week ago via the Amazon app. I took it because it’s free. I don’t have much use for it, but I’ll use it if I make any large transactions (over 20k) on Amazon. Otherwise, Millennia is enough.
HSBC Live+ (Paid): This is the only card I’ve ever truly sought out, and it's perfect for my spending habits. I applied for it through the CashKaro app, which will give me 2200 cashback. Then, the card will give me a 1000 voucher if I spend 20k in a month. Essentially, my joining and renewal fees will be covered for almost two years. Also, this card is so clean and beautiful, even the name is on the back.
Regarding cashback, many people rave about the SBI Cashback card, but at this point, it holds no value for me. I already have similar or even better deals with my other cards. Also, getting SBI Cashback card directly means an absolutely shit credit limit, which severely brings down the cashback potential each month.
Okay, that's all folks! Thank you again! Keep helping others and sharing new tricks for maximizing rewards. I'm going to take a break from applying for any more cards for a long time and just enjoy the benefits of the ones I have.