For an upcoming expense of 15 lakhs, considering your current cards, here are some recommendations for maximizing benefits:
HDFC Infinia: With its
3.3% reward rate, HDFC Infinia remains one of the best cards for large expenses.
Axis Atlas: Consider obtaining a second Atlas card under the name of a family member.
Amex Platinum Charge:
Since you already have Amex Platinum Travel, if you plan to upgrade to a card like the
Amex Platinum Charge Card, it could give you premium benefits for higher spends, such as lounge access, lifestyle benefits, and reward multipliers.
Note: Amex generally provides high-value rewards for curated spends, but do verify acceptance with merchants before using it for interiors.
Standard Chartered Ultimate:
Offers a 3.3% reward rate on general spends, making it a solid alternative for high-value transactions. You can use the points for statement credit or redeem them for premium options.
Axis Magnus: Consider obtaining a Magnus card under the name of a family member.
For spends above ₹1 lakh in a month, you earn 25,000 EDGE points (worth ₹5,000). This is great for large one-time expenses, and the card also offers travel benefits.
Note: Ensure you’re aware of the monthly cap on milestone benefits.
Key Recommendations:
- If your interior expenses can be split into smaller spends across different cards, use Infinia and Atlas to maximize milestone benefits and reward points.
- Consider premium cards like Axis Magnus or Standard Chartered Ultimate for additional benefits on your remaining expenses.
- If Amex is widely accepted by your vendors, an upgrade to Amex Platinum Charge could unlock valuable perks for high spenders.
