Thanks for the thread but could you give me any suggestions based on credit profile I mentioned above ?
Do read the thread again and provide all relevant details before asking for suggestions. Without knowing your spending pattern and whether you can achieve the milestones/fee waivers for these cards, it’s difficult to give accurate advice.
thinking of taking a premium card
My advice is that even a basic card can provide premium-level benefits if you use it wisely in areas where it delivers the most value. For example, the basic HDFC Millennia can give up to a 6% return after fees if used properly. On the other hand, a premium card can essentially become basic if you don’t spend enough to waive the fees or accumulate enough points to redeem.
For instance, with the premium Axis Atlas card, if you only spend ₹2 lakh, it might end up giving a negative 1% return—meaning you're losing money even after spending that much.
Don’t focus on the card being premium just on paper. Instead, analyze your actual spending habits to determine if you truly need a premium card.
I'm more of a travel person but I get cashback from Amazon pay ICICI card for flight bookings
These two goals contradict each other. If you're primarily a travel person, your preferred redemption should ideally be in miles, not cashback. As mentioned earlier, after reading the thread, you should determine whether you want rewards in miles, cashback, or vouchers. You can’t get the best of all worlds, because diversifying your spends across too many cards dilutes your returns and prolongs the time needed to redeem points.
For example, with the SC Ultimate card, you need to spend ₹3 lakh to redeem a ₹10k Marriott voucher. The longer it takes to hit ₹3 lakh, the longer it takes to redeem that voucher. Using one card consistently can help you redeem rewards faster. Spreading your spending across multiple cards makes it slower, and by then, the Marriott offer might no longer be available.
Rewards credit cards work best with frequent, focused spending. The faster you accumulate points, the better the reward rate.
I already have Axis Ace, Icici A-pay, Swiggy Hdfc, Neo, Kotak Indian oil, Dbs credit cards.
I already have 2 credit cards from axis bank (Ace & Neo) now I'm getting premium axis bank credit card offers like Privilege, Rewards, Select, Samsung Infinite & Altas.
Since you already have two Axis Bank cards (Ace and Neo), and now you’re being offered premium Axis cards like Privilege, Rewards, Select, Samsung Infinite, and Atlas, here’s some advice:
Without knowing your exact spending habits or preferences for redemption, it’s difficult to recommend a specific card. If you just ask for suggestions without context, the easiest answer would be, "apply for whatever you like," because I don’t have enough information about your spending patterns, preferred redemptions, or needs.
If your focus is travel, you're already earning 2% cashback with the ICICI Amazon Pay card. You won’t get a significantly better return with Axis Privilege, Rewards, Select, or Samsung Infinite.
The Atlas card requires at least ₹5 lakh in spending to deliver a decent return. Check out the thread below for more insights that may help you shortlist cards:
Privilege vs. Select (both are generally not recommended):
https://www.technofino.in/community/threads/axis-privilege-vs-axis-select.25922/
Atlas spend requirement details:
https://www.technofino.in/community/threads/axis-atlas-vs-hdfc-regalia-gold-vs-axis-horizon.26500/
Apologies if this isn’t a spoon-feeding answer, but providing detailed information will help you make a better decision. I hope you understand.
Anyway, if you still want a direct answer, then I’d say go for the
Atlas, but as mentioned earlier, if your spending is low, you might end up paying Axis more than you gain in rewards.
