Credit Card for Offline Spend

[JoshuaJebaraj]

Hello, folks!

I currently hold the HDFC Millennia, ICICI Coral, and Amazon Pay credit cards. All of these cards are lifetime free (LTF). I am looking for a good credit card to use for spending between 2 to 4 lakhs in the upcoming month, primarily for offline purchases such as shopping and buying jewelry.

I’ve already reached the 1-lakh milestone on the HDFC Millennia card, so I don’t think it would be wise to spend more on it. I live in a Tier 2 city, so AU Bank, IndusInd Bank, and IDFC credit cards are not serviceable here.

Could you please suggest a credit card that would provide good benefits for such spending?

For context, I am self-employed with an ITR of 8 lakhs and a CIBIL score of 782.

 

[drsel]

Atlas for 4% return on everything online and offline
and 10% return on direct hotels & direct airlines, both online and offline

 

[AlgoTrader]

time to add an amex

 

[sidpsidp is verified member.]

Could you please suggest a credit card that would provide good benefits for such spending?

1.Atlas- if you want to redeem for Accor ( & ready to dance at the whims of axis).

2.Yes reserv- try to acquire reserv ltf& take 3x subscription (3500+gst).

3. Millenia- what is your cl? If >3L, you can try to upgrade Millenia to rg by putting all your spends on millenia. If you travel regularly, rg>millenia. But before putting all your spend on millenia ask them how much do you need to spend to upgrade to rg.
4. Many tier2 cities are serviceable for au/indusind even amex. You can clarify through agents. @BestBanker @deep@vie

 

[JoshuaJebaraj]

1.Atlas- if you want to redeem for Accor ( & ready to dance at the whims of axis).

2.Yes reserv- try to acquire reserv ltf& take 3x subscription (3500+gst).

3. Millenia- what is your cl? If >3L, you can try to upgrade Millenia to rg by putting all your spends on millenia. If you travel regularly, rg>millenia. But before putting all your spend on millenia ask them how much do you need to spend to upgrade to rg.
4. Many tier2 cities are serviceable for au/indusind even amex. You can clarify through agents. @BestBanker @deep@vie

No My CL is less than 3L . So I can't upgrade to the RG. But I'll try for axis atlas

 

[sunit123]

Scapia is giving 2% on offline spend...I am okay to redeem for air tickets...Any other catch here or is it good for offline spend

 

[drsel]

Scapia is giving 2% on offline spend...I am okay to redeem for air tickets...Any other catch here or is it good for offline spend

It's not good enough

 

[sunit123]

It's not good enough

Any suggestion of LTF card for offline spend...I already have amazon pay ICICI