Suggest the Right Credit Card

[manwithahead]

Folks: I have one credit card - Diners Club Black, but have started to feel it's not that rewarding; and have started looking for a new one. Some research tells me that Axis has some good CCs now and then there's Amex.

Can this community help make some recommendations on what might be the most suitable CC for me. I am sharing my CC expense habits below:

Yearly CC expenditure - 10L (so ~75-80K monthly). Expense types:
- Shopping (clothes, electronics) - 4.4L
- Travel (flights, hotel stays) - 2.4L
- Zomato, Swiggy, Food - 1.5L
- Petrol - 25K

 

[saucy]

Howmuch is offline?
Prima facie - you'd get excellent deals on the premium cards.
Find out about Amex Platinum, axis magnus, and Infinia/diners black.

Diners black should be a no brainer, and you should also be able to get some lifetime free offers.

Amex is good for travel and mostly online spends. If you want the best customer service and experience, I'd say amex all the way

 

[phagocyte536]

Magnus all the way, also see if you can get to DCB/Infinia in the HDFC ecosystem

 

[manwithahead]

Magnus all the way, also see if you can get to DCB/Infinia in the HDFC ecosystem

I have DCB right now (sry, didn't make that clear). Have had it for 3 years I think. And want to know if it really is still among the best.

 

[manwithahead]

Howmuch is offline?
Prima facie - you'd get excellent deals on the premium cards.
Find out about Amex Platinum, axis magnus, and Infinia/diners black.

Diners black should be a no brainer, and you should also be able to get some lifetime free offers.

Amex is good for travel and mostly online spends. If you want the best customer service and experience, I'd say amex all the way

I have DCB right now (sry, didn't make that clear). Have had it for 3 years I think. And want to know if it really is still among the best.

Thanks for recommending Amex - my biggest expenses are travel and online spends indeed. Do you think it would have better RPs/rewards than DCB/ Infinia? I want to keep either of the two since both DCB and Amex would have minimum expense requirement.

By offline - do you mean offline expenses? maybe 2.5-3L annual

 

[saucy]

It's good for online shopping - smartbuy.
How much return are you getting?

 

[anirban.choudhuryanirban.choudhury is verified member.]

For travel
You can consider Axis Atlas for online spend you can consider sbi cashback
Or if you want to enter airmiles game , then take Magnus

 

[manwithahead]

It's good for online shopping - smartbuy.
How much return are you getting?

SB is the biggest let down since Amazon dropped out. I don't shop on Flipkart ever.