Hi everyone,

I've covered 4 cards network - Rupay, VISA, Mastercard, Amex.

All helps in different discounts based on banks or card network.

On top of that -

\- Jupiter CSB Bank edge+ rupay card helps in 10% cashback on online merchants like Amazon (including now), Flipkart (including minutes), Myntra etc plus on offline stores like croma, zudio, westside etc. Up to 2000 per month, credited as jewels which I converted to 2gm of gold coin. No joining fee and LTF.

\- SBI Cashback visa card helps in general 5% cashback on online shopping after Jupiter cap is reached. Till now I've got all annual  fee waived off.

\- ICICI Sapphire card (Amex and Mastercard) acquired this recently on No joining and LTF based on salary account. Planning to use lounge, BOGO from this. I see ICICI offer good discount on sales and other festive times, so thought 75k in quarter would be spent.

My wife has also got SBI black phonepe rupay credit card which offers 10% cashback on bills, utility and insurances. And 5% on online shopping (i can kill the SBI cashback if this works well as this offers one complementary lounge access in a quarter for free)

Looking for feedback if the choices are right and for better card  recommendations.

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