Anyone else completely lose track of which card to use where? I think I've been losing money for months
Okay so I have 4 cards — HDFC Millennia, Amazon Pay ICICI, SBI Cashback, and Axis Flipkart. Each one is "best" for something different and I genuinely cannot remember which is which anymore.
Last week I bought a ₹12k laptop on Amazon using my Millennia card. Got 1% back. Then realized two days later the Amazon Pay ICICI would've given me 5%. That's ₹480 I just lit on fire because I couldn't be bothered to check.
Then there's the points sitting around. I have like 4,200 ICICI points, some Axis EDGE points I forgot existed, and HDFC reward points I've never redeemed because the SmartBuy interface gives me a headache. Pretty sure half of them are about to expire.
Genuine questions for the sub:
- How do you actually keep track of which card to use where? Spreadsheet? Memory? Vibes?
- Do you actively redeem your points or do they just rot?
- Has anyone tried any of those US apps (MaxRewards, CardPointers, etc.) for Indian cards? Do they even work?
Feel like there should be a simple Indian app for this but I can't find anything that isn't trying to also be a payment app or sell me a new card.