Episode type: All-Round Cashback Portfolio
Status: Active
Last reviewed: January 2026
What This Episode Is About
Episode 4 of Fantastic 4 focuses on building a reliable, all-round cashback credit card portfolio using cards that are widely available, non-invite-only, and practical for real-world Indian spends.
This episode prioritises simplicity, predictability, and low-effort optimisation over chasing theoretical maximum rewards.
Assumptions
- Monthly spends of approximately ₹30,000–₹50,000
- Preference for direct cashback
- Minimal interest in airline or hotel loyalty programs
- Desire to avoid milestone pressure and invite-only cards
Fantastic 4 — Episode 4 Portfolio
| Role in Portfolio | Credit Card | Primary Use |
|---|---|---|
| Online & Subscriptions | SBI Cashback Credit Card | E-commerce, OTT, online travel, electronics |
| Utility, Insurance & UPI | SBI PhonePe SELECT BLACK | Utility bills, insurance, mobile recharges via PhonePe |
| Tata Ecosystem & Travel | Tata Neu Infinity | Tata brands, BigBasket, flights, hotels |
| Offline & Daily Essentials | HSBC Live+ | Groceries, dining, offline retail |
Why This Combination Works
Each card in this portfolio is used where it is strongest, with deliberate avoidance of overlap. The portfolio works as a system rather than relying on a single do-everything card.
Who This Episode Is For
- Users who want predictable cashback
- Those avoiding premium or invite-only cards
- Cardholders seeking low-maintenance optimisation
Who Should Skip Episode 4
- Airline miles maximisers
- Ultra-premium or invite-only card holders
- Users with heavy international spend
Episode Notes
This portfolio will be revisited if cashback structures change or if card eligibility criteria materially shift.
This page is part of the Fantastic 4 framework. View all Fantastic 4 episodes →