Best Credit Card for Frequent Travel with Family? Need Advice!

[Momo_Scooby]

Hello everyone,


I recently upgraded my DCB LTF to Infinia, and I truly appreciate all the insights this community has shared. It has been a great help!


I have been using the Amex trifecta for myself and Amex Travel & Gold for my wife, but I am realizing that managing the renewal fees and optimizing spending for points on these cards might not be something I can keep up with consistently.


I would love to get a great credit card for my wife that offers excellent lounge access when we travel. If the rewards system is a little easier to manage than Amex, that would be a big plus! I’m comfortable with something like SmartBuy, and any suggestions that make rewards redemption more seamless would be greatly appreciated.


Our goal is to travel the world frequently with our newborn, so any recommendations that align with this would mean a lot. Also, if you have any suggestions for adding some good cards to my portfolio, I’d be more than happy to hear them.


I truly appreciate the time and expertise of this amazing community. Thank you in advance for your help!


FYI, after closing all 5 Amex cards, I have the following cards
HDFC Infinia Paid (credit limit 9 lakhs)
IndusInd Legend - LTF (credit limit 5 lakhs)
Axis Flipkart - LTF (credit limit 8.5 lakhs)
One Card Metal - LTF (credit limit 10 lakhs)
Axis Neo - LTF (credit limit 8.5 lakhs)
Axis My Zone - LTF (credit limit 5 lakhs)
ICICI MMT Signature - One-Time Fee (credit limit 10 lakhs)
ICICI Amazon Pay - LTF (credit limit 10 lakhs)
ICICI Platinum - LTF (credit limit 10 lakhs)
Kotak White - LTF (credit limit 10.5 lakhs)

 

[jk51]

Hello everyone,


I recently upgraded my DCB LTF to Infinia, and I truly appreciate all the insights this community has shared. It has been a great help!


I have been using the Amex trifecta for myself and Amex Travel & Gold for my wife, but I am realizing that managing the renewal fees and optimizing spending for points on these cards might not be something I can keep up with consistently.


I would love to get a great credit card for my wife that offers excellent lounge access when we travel. If the rewards system is a little easier to manage than Amex, that would be a big plus! I’m comfortable with something like SmartBuy, and any suggestions that make rewards redemption more seamless would be greatly appreciated.


Our goal is to travel the world frequently with our newborn, so any recommendations that align with this would mean a lot. Also, if you have any suggestions for adding some good cards to my portfolio, I’d be more than happy to hear them.


I truly appreciate the time and expertise of this amazing community. Thank you in advance for your help!


FYI, after closing all 5 Amex cards, I have the following cards
HDFC Infinia Paid (credit limit 9 lakhs)
IndusInd Legend - LTF (credit limit 5 lakhs)
Axis Flipkart - LTF (credit limit 8.5 lakhs)
One Card Metal - LTF (credit limit 10 lakhs)
Axis Neo - LTF (credit limit 8.5 lakhs)
Axis My Zone - LTF (credit limit 5 lakhs)
ICICI MMT Signature - One-Time Fee (credit limit 10 lakhs)
ICICI Amazon Pay - LTF (credit limit 10 lakhs)
ICICI Platinum - LTF (credit limit 10 lakhs)
Kotak White - LTF (credit limit 10.5 lakhs)

Should have Atlas if travelling is one your primary goals through cards.

 

[sourpai]

Except Infinia, most of other cards you have are little useless, may be with exception of Amazon Pay and FK Axis (both of which can be replaced by SBI Cashback)

Axis Atlas is definitely one card that will fit your goals, along with it Amex Plat Travel is good (not the trifecta... I personally don't prefer doing x4 or x6 transactions per month... it is a pain for too little gain)

Between Infinia + Atlas + Amex Plat Travel you can cover 10L+7.5L+4L = ~22L worth of annual spends with good rewards including some exclusion categories such as Insurance + Fuel + Jewellery + Tax etc.

 

[Momo_Scooby]

Should have Atlas if travelling is one your primary goals through cards.

Thanks a lot 👍

 

[Momo_Scooby]

Except Infinia, most of other cards you have are little useless, may be with exception of Amazon Pay and FK Axis (both of which can be replaced by SBI Cashback)

Axis Atlas is definitely one card that will fit your goals, along with it Amex Plat Travel is good (not the trifecta... I personally don't prefer doing x4 or x6 transactions per month... it is a pain for too little gain)

Between Infinia + Atlas + Amex Plat Travel you can cover 10L+7.5L+4L = ~22L worth of annual spends with good rewards including some exclusion categories such as Insurance + Fuel + Jewellery + Tax etc.

Yes, other than infinia everything is kind of useless, amazon I use for save and subscribe items for my monthly subscription on products on Amazon.

I do feel like the infinia + atlas + Amex travel will be a good option.

I have not explored atlas much, will do that thanks 🙏

 

[Momo_Scooby]

Should have Atlas if travelling is one your primary goals through cards.

By any chance, would you happen to know of any links or resources that have a detailed and updated review or usage guide for the Axis Atlas card? If you could share them, I’d really appreciate it!

 

[Momo_Scooby]

Except Infinia, most of other cards you have are little useless, may be with exception of Amazon Pay and FK Axis (both of which can be replaced by SBI Cashback)

Axis Atlas is definitely one card that will fit your goals, along with it Amex Plat Travel is good (not the trifecta... I personally don't prefer doing x4 or x6 transactions per month... it is a pain for too little gain)

Between Infinia + Atlas + Amex Plat Travel you can cover 10L+7.5L+4L = ~22L worth of annual spends with good rewards including some exclusion categories such as Insurance + Fuel + Jewellery + Tax etc.

By any chance, would you happen to know of any links or resources that have a detailed and updated review or usage guide for the Axis Atlas card? If you could share them, I’d really appreciate it!

 

[sourpai]

By any chance, would you happen to know of any links or resources that have a detailed and updated review or usage guide for the Axis Atlas card? If you could share them, I’d really appreciate it!

Don't depend on any guides... pls do your research by searching Axis Axis Atlas on this forum and visiting the threads. Also you can refer to some latest youtube videos from channels such as spendwisely, cardacademy etc.

In general, use card everywhere to get 4% mile returns ... use on direct airline hotel websites to get 10% mile return.... exclusion category includes Insurance, Utilities, Govt, Jewellery, Tax. Best use case for edge miles is to transfer to Accor hotels

3L milestone gives 3000 extra miles and 7.5L milestone gives another 3000 extra miles. 1 Edge mile = 2 hotel / airline points