What is your preference for choosing a credit card???

Important Point is basis on Reward Rate:) 

1) Learn to calculate reward rate from Reward points and cashback

2) Convert Reward Points or Cashback to Reward Rate (i.e % percentage per 100 rupees, eg: 1% for Rs.100 or 2.5% for Rs.100)

3) "No joining fee or no renewal fee" are good to consider buttt if you have good reward rate, you can still pay that joining fee/renewal fee and get it LTF converted later by showing spends to customer care so not big deal

4) UPI Enabled no use, all will give virtual addon cards dont even bother getting it , UPI reward rate is very less

2 Credit Cards :: Upi Enabled With Cashback And Online/Offline Cashback Card And Later Ask CC For LTF Conversion If Paid

• No Joining Fee / Annual Fee
• 
  
• Reward Points
• 
  
• Cashback ( Not sure what exactly you mean by cashback? Any example will be great to differentiate b/w reward points and cashback)
• 
  
• UPI Enabled ( As already have UPI enabled CC)




• 
  
• 
  




• 
  

SBI Card - First apply SBI Cashback Credit Card (1001% recommended), 2nd credit card is SBI Simplyclick CC. Some people also want SBI Card only for ecom discount offer then you can also try RuPay variant Simplysave, RuPay BPCL and RuPay IRCTC but first try SBI Cashback Credit Card.

Axis bank - if you have a high net worth then choose Axis Atlas credit card, otherwise Axis Airtel credit card or any LTF Axis Myzone RuPay or LTF Axis Neo RuPay CC or LTF Indianoil RuPay (dnt choose Visa/mastercard variant for Myzone/Neo/Indianoil). Axis bank easily issue total 3 credit cards.

ICICI - First apply Amazon ICICI Credit Card and LTF Coral Visa Credit card and then you will get soon get pre-approved LTF RuPay variant Coral CC on your imobile/net banking. Apply All these 3 cards.

Note - No cibil hit or additional statement for pre-approved LTF RuPay variant Coral CC. So no harm to apply and no headache to handle multiple statement.

Indusind Bank - Existing credit card holders apply additional (2nd credit card) pre-approved LTF RuPay Platinum CC or first time user also try LTF RuPay Platinum CC.

BOB - Choose LTF Easy RuPay or LTF premium RuPay variant credit card, also try Snapdeal card (high net worth user try BOB Eterna)

Yes bank - Existing credit card holders apply additional (2nd credit card) pre-approved LTF RuPay CC or Apply Yes bank RuPay ACE Credit card, if Yes bank offer you LTF.

HDFC bank - choose Millennia credit card and then apply Tata neu RuPay variant credit card. If HDFC bank offer you Moneyback+ or Freedom card or business moneyback then choose RuPay variant (but highly recommended try first card, Millennia credit card only)

Also note - you can also apply 2nd card, HDFC virtual RuPay credit card paid version because HDFC will offer you card/UPI spend based offer and first time also offer Rs500 Amazon gv etc but apply non-business variant virtual RuPay credit card.

All other PSU banks - highly recommended only choose RuPay variant credit cards. Some PSU banks offer additional benefits on RuPay variant CC for high net worth users.

AU bank - Existing credit card holders apply additional (2nd credit card) pre-approved LTF RuPay Instapay CC, Call AU customer care and apply.

Reward rate is the only factor I consider as of now, and by reward rate I mean miles transfer ratio.

I often go on vacations and these reward points help avail great stays for me.

My go to cards right now are DCB metal, Axis Atlas and amex platinum. 

• No Joining Fee / Annual Fee
• UPI Enabled (If Not then Rewards Should be Strong Enough to Hold the Card)
• Cashback Card I like to Hold and Not Reward Points Card