Couples’ Card Coordination for Shared + Personal Goals

Two incomes, double the chaos—unless you choreograph spend lanes.

Signal: Couples tagging expenses to “Shared” (Axis Magnus/)/)/)), “Partner A fun” (Amex MRCC/)/)/)/)), and “Partner B fun” (SBI Cashback) typically squeeze ₹1 lakh+ annual value without fights.

Framework

Bucket	Card	Owner
Household & travel	Axis Magnus/)/)/)	Either with higher limit
Groceries + EMI	SBI Cashback	Partner A
Dining + gifts	Amex MRCC/)/)/)/)	Partner B

Operating Rhythm

1. Monthly finance date—review statements, decide redemptions.
2. Tag every expense in Splitwise/Notion to avoid “who paid” debates.
3. Issue add-on cards with low limits when parents/in-laws visit.

Shared Dashboard Columns

• Card name & owner
• Limit / utilization %
• Due date & autopay status
• Renewal fee + waiver target
• Rewards balance + planned redemption

Review this dashboard at the start of each month; mark any action items (limit bump requests, downgrade decisions).

Conflict Avoidance Tips

• Define “solo splurge” thresholds (e.g., anything under ₹5k doesn’t need discussion) but log them for transparency.
• Use separate virtual cards for subscriptions so cancellations don’t disrupt household bills.
• If one partner travels more for work, agree on how reimbursements are reinvested (e.g., miles fund joint vacations).

Next Steps

1. Build a shared dashboard (Airtable) with card details, due dates, renewal fees.
2. Agree on utilization guardrails; if one card crosses 40%, shift spend to the other.
3. Use rewards for experiences you both value—makes the system sticky.