Unlocking Maximum Rewards: A 4+ Card Strategy Guide
Assuming that you have the following cards — Infinia, Atlas, Vistara Infinite, Amex Trifecta (Platinum travel, Gold charge card, MRCC), the high level strategy is as follows:
- HDFC Infinia: Voucher purchases and Smartbuy booking
- Axis Atlas: Travel bookings and general spending till spend sweet spot
- Axis Vistara Infinite: General spending till spend sweet spot
- Amex Platinum travel: General spending till spend sweet spot
- Amex Gold and MRCC: Amazon Pay Powerplay
To execute this strategy, you need to simply follow two simple steps
- Monthly voucher power up
- Card rotation
Monthly voucher power-up
Fix a day in a month to purchase the vouchers that you use the most and then keep these cards away for the rest of the month as you would not need them. For example, I typically do the following:
- Amex Gold: 6 transactions of Rs. 1000 each to buy Amazon Pay gift card
- Amex MRCC: 4 transactions of Rs. 1500 each to buy Amazon Pay gift card
- Amex Platinum travel: Any additional Amazon pay gift card that I need to buy after exhausting my HDFC Infinia Limit
- HDFC Infinia: typically 30–50k worth of vouchers in a month
- Any additional Amazon pay gift card if needed
- Amazon pay gift voucher
- Swiggy money voucher
- Zomato gift card
- Myntra gift card
- Nykaa gift card
- Additional need based voucher
The Amazon Pay Powerplay — what do I do with so many gift cards ?
Load my Amazon Pay wallet to pay for insurance, utilities, uber, other online payments (for shopping on Amazon, I use Amazon gift voucher)
Card rotation
The only card that you will need to keep in your wallet should be one of Axis Atlas, Axis Vistara Infinite or Amex Platinum Travel depending on how much amount you have spent on the card. If you are carrying Amex Platinum Travel card then you should carry one more visa card (since Amex acceptability could be an issue). For e.g.
- Annual spend of <Rs. 20 lakhs: 7.5 lakhs on Atlas -> 7.5 lakhs on Vistara -> 4 Lakhs on Amex Platinum Travel
- Annual spend of Rs. 20+ lakhs: -> 7.5 lakhs on Atlas -> 7.5 lakhs on Vistara -> 4 Lakhs on Amex Platinum Travel -> 7.5 lakhs on Atlas -> 3.5 lakhs on Vistara
- Any additional spends — use Axis Atlas or Infinia
As a best practice, save your card details (and remember the CVV code) on Swiggy , Zomato, Eazydiner since they typically offer good discounts on Axis cards and Infinia.
