Upcoming Travel expense of approx 2 lac - Which credit card to apply or choose

[nousername]

Hello everyone, I need your suggestions to get clarity and plan on an upcoming expense.

I have a family function in a hotel in next 15 days. Total cost is approximately 2 lac.
I have made advance payment of 10000 and got MCC code - 7011.
Now hotel has given me two options:
1. If I pay remaining amount which will be recorded- I will be charged additional 5%
2. Pay balance in cash without additional charge

I was not inclined for cash transactions but 5% charge is deterrent and will render most of my existing cards useless. Hence, I am thinking of applying for Axis Atlas to effectively get 5% when transferred to Accor.

Listing few current cards which I and wife have. I don’t have travel centric card yet.
Plat travel is making some sense as there is extra reward of 6000 for 2lac spend.

1. Amex - Trifecta and 1 more MRCC
2. Regalia Gold, HSBC Live+,
3. Sbi cashback, Amazon ICICI,

With only financial calculation, none of the card is making sense but with cards around I am trying to extract some sort of other benefits like membership tier upgrade etc which can be used later.

Please suggest and help out if I am overthinking to put this transaction on credit card or have a peace of mind and go with paying cash.

 

[nousername]

I agree. Hope heart wins over the mind for this.

 

[nousername]

Worth a try because it’s a rewarding CC.
Good luck brother.

Let us know if you succeed.

I tried and got plethora of card options till Magnus but not Atlas. Looks like my first card with Axis has to wait.

 

[VasukiVasuki is verified member.]

AFAIK axis has stopped issuing Atlas. First try to get the 5% charges reduced to 2% and then you can use Amex Plat Travel.

Yup that's the bottom line of this thread