All card stacks
🦊Curated card combo · 2 cards
The Solo Builder card combo
Indian freelancer or solo SaaS builder, $0-50/mo SaaS spend, optimising for zero recurring fees on the cards.
Combined annual fee
Free
Estimated annual savings
≈ ₹8,000/yr
Cards in combo
2
You're running on free-tier infrastructure ([Vercel](/tools/vercel) Hobby, [Supabase](/tools/supabase) free, [Resend](/tools/resend) free) and the SaaS bills you do have are small. Don't pay annual card fees. This combo gives you a no-fee online cashback card + a no-fee everyday card. Combined annual fee: ₹0.
The combo
IN
SBI Card
SBI Cashback
Card 1 · Online + SaaS spend
SBI Cashback
SBI Card
Zero joining + zero annual fee waiver at low spend. 5% flat on all online merchants, covers AWS, your tools, SaaS subscriptions.
IN
Axis Bank
Axis ACE
VISA
Card 2 · Daily + UPI
Axis ACE
Axis Bank
Zero annual fee, 2% on UPI utility bills, 4-5% on dining and groceries. Daily spend without thinking about the card.
Tradeoffs & pitfalls
The honest stuff, what nobody on the issuer's marketing page will tell you.
- 01Neither card has lounge access. If you fly 4+ times a year, add a third card with lounge benefits (RBL World Safari is a no-annual-fee option for the first year).
- 02Both cards are entry-tier. As your USD SaaS spend approaches $300/mo, you'll want to add a 2%-forex card (Diners Black or Magnus).
- 03SBI Cashback online cashback caps at ₹5K/mo. Hard cap, no overflow.
Other card stacks
🧠
AI Startup Founder
Indian founder spending $1K+/mo on AI APIs (Anthropic, OpenAI, Pinecone, Vercel) plus normal India SaaS bills.
🛠️
Indie SaaS Founder
Indian bootstrapped founder, 1-3 person team, with a mix of USD-billed dev tools and INR-billed Indian SaaS.
🏢
Enterprise B2B Founder (US)
US-based or US-LLC founder selling enterprise SaaS, with significant business spend across software + travel + advertising.
🌐
Cross-Border Founder
Indian founder with US revenue + US LLC + Mercury account, plus India-domestic personal spend. Two-currency life.