💳 My Credit Card Journey: From OneCard to SBI Octane & Infinity

1️⃣ OneCard (Visa) – My very first card. Used it heavily when starting out. Simple rewards, transparent interface — great for beginners.

2️⃣ ICICI Amazon Pay Card – Got it after two attempts. Became my primary card for offline and Amazon spends.

3️⃣ ICICI RuPay Card – Switched to RuPay for UPI payments, keeping ICICI for day-to-day offline transactions. Not using now.

4️⃣ Axis MyZone Card – Taken mainly for an offer; used occasionally.

5️⃣ HDFC Millennia Card – Excellent LTF card for offers, milestones, and cashback. Still one of the best for general spends.

6️⃣ HDFC Pixel Play Card – Joined next for 1% UPI cashback; became my primary UPI card for a while.

7️⃣ Axis SuperMoney Pro Card – Later shifted to this for 3% UPI cashback. Took over as my main UPI card.

8️⃣ HDFC Tata Neu Infinity Card – Once the SuperMoney Pro UPI cap was reached, I started using Infinity for bills and high-value spends. Currently my main card.

9️⃣ SBI Octane Credit Card (Paid) – Latest addition to my wallet, focused purely on fuel benefits. Even though it’s not LTF, it’s totally worth it for the surcharge waiver and accelerated rewards on fuel spends.

🧠 Thoughts

From OneCard to SBI Octane, every upgrade has been strategic — no random cards, no unnecessary fees. Now I’ve got a balanced portfolio covering every spending category: UPI, fuel, online, offline, and bills, with almost all cards LTF.

It’s not about having many cards — it’s about using each one smartly.