Suggest me a credit card

[Karthxck]

Hello People,

I'm a 21-year-old frequent traveller with 1 year of credit card experience with nearly 800 credit score.

I hold HDFC Milennia, Virtual Rupay, Swiggy (₹1.3L shared limit), and Axis Neo (₹58k limit) cards.

My relationship with HDFC spans 4 years, including a savings account and a ₹10k FD maturing soon. I earn ₹40k per month and typically spend ₹50-60k per billing cycle, having spent over ₹10 lakhs in the past year.

I was rejected for an Amex card and am now seeking a travel-focused credit card to accumulate rewards over time.

Ideally, I'd like a card with strong reward rates, like the Diners Club Black, but more accessible for my profile.

Please don't suggest basic cards as I already have decent cards, nor the super-premium cards where I won't get accepted.

Also, I’m open to suggestions on adding or removing any cards from my current list.

 

[vaibhav111vaibhav111 is verified member.]

Hello People,

I'm a 21-year-old frequent traveller with 1 year of credit card experience with nearly 800 credit score.

I hold HDFC Milennia, Virtual Rupay, Swiggy (₹1.3L shared limit), and Axis Neo (₹58k limit) cards.

My relationship with HDFC spans 4 years, including a savings account and a ₹10k FD maturing soon. I earn ₹40k per month and typically spend ₹50-60k per billing cycle, having spent over ₹10 lakhs in the past year.

I was rejected for an Amex card and am now seeking a travel-focused credit card to accumulate rewards over time.

Ideally, I'd like a card with strong reward rates, like the Diners Club Black, but more accessible for my profile.

Please don't suggest basic cards as I already have decent cards, nor the super-premium cards where I won't get accepted.

Also, I’m open to suggestions on adding or removing any cards from my current list.

axis atlas but it won't be approved cause 40k x 12 = 4.8L and i think for axis atlas you need more CL or ITR not sure though. travel card like vistara would have recommended but not sure if idfc is accepting new application so try apply via idfc app even though if it available then apply for core idfc cc first and then apply idfc vistara was it would get rejected if you apply directly. not sure about the age limit so check on that too.

 

[Karthxck]

Any final verdict on what should I do?

axis atlas but it won't be approved cause 40k x 12 = 4.8L and i think for axis atlas you need more CL or ITR not sure though. travel card like vistara would have recommended but not sure if idfc is accepting new application so try apply via idfc app even though if it available then apply for core idfc cc first and then apply idfc vistara was it would get rejected if you apply directly. not sure about the age limit so check on that too.