Suggest me the best Credit Card

[sahilsinghania]

With so many credit cards in the market and a recent intro to credit card points.

I am confused about which card to use when and which is best so please guide me.

Goal- To collect enough points to travel.
Cards we own




My monthly expense is around 70K per month with some yearly expense




Goal- To collect points to travel I don't mind adding new cards.
PLEASE GUIDE ME.

@TechnoFino @Subhankar @ashwink

 

[Tejo]

With so many credit cards in the market and a recent intro to credit card points.

I am confused about which card to use when and which is best so please guide me.

Goal- To collect enough points to travel.
Cards we own

View attachment 30650


My monthly expense is around 70K per month with some yearly expense

View attachment 30654


Goal- To collect points to travel I don't mind adding new cards.
PLEASE GUIDE ME.

@TechnoFino @Subhankar @ashwink

For utility and miscellaneous use Airtel card.

Buy vouchers in hdfc smartbuy gyftr ... 5% cb and shopping ..... similar for traveling using gv or smartbuy for booking tickets.

 

[sahilsinghania]

For utility and miscellaneous use Airtel card.

Buy vouchers in hdfc smartbuy gyftr ... 5% cb and shopping ..... similar for traveling using gv or smartbuy for booking tickets.

Airtel card has a monthly cap of 300 rs for utility

 

[helloworld]

With so many credit cards in the market and a recent intro to credit card points.

I am confused about which card to use when and which is best so please guide me.

Goal- To collect enough points to travel.
Cards we own

View attachment 30650


My monthly expense is around 70K per month with some yearly expense

View attachment 30654


Goal- To collect points to travel I don't mind adding new cards.
PLEASE GUIDE ME.

@TechnoFino @Subhankar @ashwink

Check Axis atlas, and Amex cards and let us know whether it will fit to your intended redemption or not. Will recommend similar cards.

Problem here is, you listed basic cards that might be due to not much credit card user or don't have enough income (ofcourse in 2nd case we can't do much since we can't get cards) but if its first and have sufficient income we might list you some cards, which not sure at what range can you get the cards.

How about a card which says 4L min. limit on existing card or 16L annual income? Can you apply that one without any issues. It really helpful to those whoever reading this can suggest best cards within that range.

Do check below thread for some idea:

Informative Threads

You can fine all informative threads here.

www.technofino.in

 

[sahilsinghania]

Check Axis atlas, and Amex cards and let us know whether it will fit to your intended redemption or not. Will recommend similar cards.

Problem here is, you listed basic cards that might be due to not much credit card user or don't have enough income (ofcourse in 2nd case we can't do much since we can't get cards) but if its first and have sufficient income we might list you some cards, which not sure at what range can you get the cards.

How about a card which says 4L min. limit on existing card or 16L annual income? Can you apply that one without any issues. It really helpful to those whoever reading this can suggest best cards within that range.

Do check below thread for some idea:

Informative Threads

You can fine all informative threads here.

www.technofino.in

I have existing card limit of 4.8L and annual income of 36L

 

[simplegarv]

I have existing card limit of 4.8L and annual income of 36L

Hi,
Get the below mentioned Cards :
1. Amex MRCC
2. Amex Gold Charge
3. Amex Travel Card
Tip : Spent 7.15L from these cards first.

4. Axis Atlas : Must use for all the travel expense and try to hit the 7.5L milestone.
5. Axis Vistara Infinite : For IT payments.

And your points game will get some sorted 🙂

 

[helloworld]

Hi,
Get the below mentioned Cards :
1. Amex MRCC
2. Amex Gold Charge
3. Amex Travel Card
Tip : Spent 7.15L from these cards first.

4. Axis Atlas : Must use for all the travel expense and try to hit the 7.5L milestone.

And your points game will get some sorted 🙂

OP has IT payment of 8L. If that time occurs, I don't think Atlas live that long and AMEX not sure can handle limited acceptability.

OP can try HDFC - DCB or Infinia (if has good rapo with RM/BM) using that income along with Plat. Travel.

 

[simplegarv]

OP has IT payment of 8L. If that time occurs, I don't think Atlas live that long and AMEX not sure can handle limited acceptability.

OP can try HDFC - DCB or Infinia (if has good rapo with RM/BM) using that income along with Plat. Travel.

Then he can get Axis Vistara Infinite CC.

 

[SubhankarSubhankar is verified member.]

With so many credit cards in the market and a recent intro to credit card points.

I am confused about which card to use when and which is best so please guide me.

Goal- To collect enough points to travel.
Cards we own

View attachment 30650


My monthly expense is around 70K per month with some yearly expense

View attachment 30654


Goal- To collect points to travel I don't mind adding new cards.
PLEASE GUIDE ME.

@TechnoFino @Subhankar @ashwink

As of now, the best option you have is Axis Atlas. The only good earning Axis card which isn't excluded in utility. For 12L, you'll also get 2 milestones of Atlas. 3 more lakhs and another milestone.

Though the current state of Axis is pretty bad, any card at any time can get devalued. For backup, I'd suggest upgrading the Regalia card to DCB if you have that limit and the bank is allowing the Business card to convert into a personal card. DCB doesn't have any business variant.

The suggestion is solely based on your requirement "travel"

 

[sahilsinghania]

As of now, the best option you have is Axis Atlas. The only good earning Axis card which isn't excluded in utility. For 12L, you'll also get 2 milestones of Atlas. 3 more lakhs and another milestone.

Though the current state of Axis is pretty bad, any card at any time can get devalued. For backup, I'd suggest upgrading the Regalia card to DCB if you have that limit and the bank is allowing the Business card to convert into a personal card. DCB doesn't have any business variant.

The suggestion is solely based on your requirement "travel"

Thanks for the suggestions.