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Sad reality

No point in increasing spends for points rewards or anything else if you're happy with your lifestyle. Premium credit cards should not be the motivation for higher salary.

60k per month is around 7L per year, and you can try getting into eco-system if you're interested in luxury stays. Otherwise you can try for axis atlas also, which gives good value for air miles or Accor points

Rather than salary account, open a wealth savings account

It's not sad realization, rather you are doing good. Ye sab credit card and points moh maya hai.

Dukh iss bat ka jada hai ki premium acc na mila🤣🤣🤣🤣🤣🤣🤣
Ki salary kam hai?

Ge an HDFC Classic (1 lakh credit per month) or Preferred Salary account (1.5 L). Then use the debit card and Payzapp UPI. After a few months you will get vredyt card offer. Just take millennia when you get it. Then use it regularly. You will gradually get better offers in course of time even with these expenses

I m fool took tata neu+