Hi everyone,
I’m looking to optimize or upgrade my current credit card setup and would love your suggestions based on my spending profile:
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Annual Spend: Approx. ₹7 lakhs
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Travel Spend: ₹1.5 lakhs (solo traveler)
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Current Cards:
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ICICI Rubyx
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Amazon Pay ICICI
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HDFC Swiggy Credit Card
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I’m mainly looking for a card that offers:
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Better travel rewards (especially flights/hotels or lounge access)
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Decent cashback or reward rate on general or lifestyle spending
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Possibly airport lounge access (domestic + international)
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Low to moderate annual fees with waiver options
Not a heavy user of dining or fuel offers. Prefer transparency in reward structure and low effort redemption.
Questions:
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Should I consider upgrading from ICICI Rubyx to Sapphiro or switch to another bank?
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Would something like HDFC Regalia, Axis Magnus, or SBI Prime/Elite be a better fit?
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Any recommendations for a good travel card that aligns with ₹1.5L/year travel?
Thanks in advance for your help!
