Looking for Suggestions for my New Credit Card

[randomaiguy]

Dear Technofino members, I am new to technofino community and requesting some help on applying for my first credit card. I have an annual CTC of 36L. I read the post related to guidelines and summarized the following as my spending categories and cards I am holding. I am also open to suggestions if I need to discontinue a card and apply a new one.

Amazon - 5k
Flipkart - 10K
Swiggy/Zomato - 5K
Fuel - 10K (Using Axis bank Indian oil card)
Offline Grocery - 10K
Bills - 6k
Insurance - 5L/Year
Airline Tickets - 2L/Year
Hotel - 50k/Y

Preferred Redemption - Miles or Points for Tickets

Existing Cards
Indian Oil Axis bank - Use for Fuel only + Lounge Access
Tata Neu HDFC Card - For Big Basket, 1MG (Got couple of weeks ago)
Kotak Zen Rewards Card - No annual fee, keeping it for lounge access without any cost

 

[subham23]

Looks like total spent around 10L/Y, go for HDFC Diners Black to redeem flight/hotels

 

[randomaiguy]

Looks like total spent around 10L/Y, go for HDFC Diners Black to redeem flight/hotels

The HDFC Bank RM is saying for Diners Black one needs 2.5L per month in hand salary.

 

[subham23]

The HDFC Bank RM is saying for Diners Black one needs 2.5L per month in hand salary.

Alternatives are HDFC Regalia Gold, Axis Atlas or AMEX Platinum Travel.

 

[cardgenie]

There is no single card to fit everything...here are the best cards for your use case

For swiggy, flipkart go for hdfc swiggy as you are spends are 15k in that category... gives 10percent on swiggy and 5percnt on flipkart

For Offline groceries : hsbc live+ paid Card but it's no BS card gives 10 percent on online and ofline groceries and dining ( cab be used in dmart, jiomart, Spencer's, more etc)

your insurance spends are huge so you can go for some milestone based cards like amex platinum or axis atlas which takes care of your travelling too

 

[pythonlover]

I think @cardgenie is right, however Atlas gives no reward for insurance spend nor is it counted in milestone. But a single card will not be suitable for your spends. I think a combo of Axis Atlas / Regalia Gold and Amex Plat Travel will be perfect. Use Plat Travel for insurance spends and the other card for all other spends. But I think you should push for DCB-M instead of Atlas or Regalia Gold.