Seeking Suggestions for a Secondary Credit Card

[nakul16]

Hi Everyone,

I have been using the HDFC Infinia credit card for over four years now and previously held the Amex Platinum Charge card for a year. However, I found the annual fee for the Amex card unjustifiable, as I already enjoy Bonvoy Gold Elite status through my stays, aiming for Platinum Elite next year. While I plan to continue using the HDFC Infinia as my primary card, I’m looking for a suitable backup credit card, especially since I take 4–5 international trips per year.

On average, I spend ₹3 lakh approx per month on my credit card. Most of my travel is on Air India, and I am working towards Maharaja Club Gold status. I try to book as many flights as possible using HDFC reward points. I purchase Gyftr gift cards from Smartbuy for everything Amazon/Swiggy.

Currently, I’m considering the HDFC Marriott Bonvoy card and Tata Neu RuPay (primarily for UPI transactions). However, the Marriott Bonvoy card has a 3.3% forex markup, so I’m uncertain about using it over Infinia, even for hotel transactions overseas.

Given these factors, I’d appreciate your recommendations for a secondary credit card that complements my spending and travel habits.

Thank you in advance for your suggestions!

 

[drsel]

HDFC Biz Black to pay 50000 to 56250 Income Tax every month and HDFC Swiggy lifetime free for 10% cashback on Swiggy

 

[nakul16]

HDFC Biz Black to pay 50000 to 56250 Income Tax every month and HDFC Swiggy lifetime free for 10% cashback on Swiggy

Thanks for your suggestion. But I'm not self employed, so I'm not sure with I will be eligible for Biz Black. Will check out HDFC Swiggy card, however using Gyftr for Swiggy Money vouchers on Infinia is great