Hi, My First post is here on CC-Community.
Currently I am having 5 LTF Credit Cards.
ICICI Apay- For Retail Spend including Shopping of Lifestyle & Supplements with Apay additional cashback along with 5% of CC.And Grocery from Amazon Now which is giving total approx 18-19% cashback currently in Apay Wallet. My oldest card since launched. [Limit- 7.2L]
Jupiter Plus - Buying Apay Voucher of worth 6K/Month to pay my Mobile Postapid/Electricity/Wifi Bill. And using for UPI Transaction worth 1% Cashback. Currently making Redeemption of Rewards as CC Bill adjustment but planning ahead to Air India Miles comversion. [Limit-5L]
BOB Eterna- Basically took for Positive Forex Transaction & additionally going on offer on travel website & other offers. Have achieved welcome bonus too. [Limit-2L]
BOB HPCL- Got as additional virtual card for LTF too for Fuel Cashback. Shared Limit from BOB Eterna.
HDFC Swiggy- Basically Used for sometimes dining to ensure 10% Cashback or Food/Instamart whenever required along with 5% Cashback on App like Yes Madam, Apolo, Tata 1 mg extra. [Limit-1.5L]
> Getting Rejection of HSBC Liv Plus, They are not providing any rejection reason. FYI- I applied in Jan 2026 when I wasn't having both BOB Card. Any suggestion/tips on which this card can be approved easily.My pin code is in servicable area too. Will try applying again in July/Aug.
> Should I take Kiwi Card with Membership or should stick to Jupiter where Air India Maharaja converison is happening with 6 Jewels to 1 Point.
Cards which I want in future:
1st Option
ICICI EPM Private- Not eligible as of now but want to get it in next 1/2 year as I want a simple card where my motive will to make redemption in Air India Miles with 100% Reedemption in Flight Travel.
2nd Option
HSBC Premier- Will switch my salary account when eligible to get this card which is one of best India's premium credit card now.
Not Interested in DCB Metal since saw many user complaining about it acceptance issue in India/Aborad both & I don't like tracking things/quarter to qualify for bonus rewards. Sometimes user do exceeds expense due to pressure/greedness of quaterly based spending.And Infinia is also not suitable which is forcing 18L/year as min spends.
Not Interested in Axis Env too as its too unpredictable which do heavy devaluation frequently.
Summary
> Salaried Employe here.Heavy Amazon Spender. My daily/monthly basis almost 90% Transactions are here only.
> I m doing max spends on ICICI Card only so that credit limit can reach to 10L & can help in getting EPM Private.
> Currently no Expense in Fuel/Education. My all daily required app is covered with 5-10% Cashback except govt transaction lile IRCTC/Namo Bharat.
> Interested in Air Miles only as Hotel Redeemption is too dicy & recent Axis devaluation proved it.
> 4/5 Domestic Trip in India mostly on mountain where UPI/Cash is accepted only. 1 International Trip within 2 years mostly hence interested in Maharaja Air Miles progg which recently got revalued.
Am I on right path to get ICICI EPM Private? As I want to take my home loan in 1/2 year through ICICI as having salary account there for last 7/8 yrs.
If I get fail to get it then will move salary account to HSBC only.
Kindly share your valuable input here, Thanks.