Credit Card Portfolio + Bank Account Optimization

[cardCurious]

[Need Advice]
Looking to restructure and optimize my LTF credit card portfolio and banking relationship based on current usage. Need suggestions for next best LTF cards and path to super-premium cards in the future.

📌 Profile​

• Age: 23
• Monthly Salary: ₹1.75+ LPM ( <1 payslip of this salary; previously ~₹1LPM)
• CIBIL: ~780 (stagnant for a while; no loans so far)

🏦 Bank Accounts​

• HDFC Bank (Salary Account - Preferred, likely to be upgraded to Imperia soon)
• SBI Savings Account

💳 Current Cards (All LTF)​

ICICI:

• Coral
• Sapphiro (Dual Variant – Alumni)
  • Shared Limit: ₹3L
  • Usage: BMS BOGO, flight offers, occasional sales

HDFC:

• Swiggy
• Millennia
  • Shared Limit: ₹1L
  • Swiggy: Food, groceries, dineout
  • Millennia: Utility bills, general spends

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💸 Monthly Spend Pattern​

• ₹15K–₹20K → Food / Groceries / Dining
• ₹10K–₹15K → Online shopping / BookMyShow
• ₹5K–₹10K → Bills / Utilities
• Domestic Travel: ~6–8 flights/year (may increase gradually)

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🔍 Plans & Considerations​

• Planning to add a Rupay LTF credit card to earn rewards on UPI spends
  • Currently considering Tata Neu Infinity (Rupay)
  • Open to better LTF alternatives
• Exploring if I can add a travel-oriented LTF card(despite limited travel)
  • Use case: ~6–8 domestic flights per year
  • Would appreciate suggestions on which card to choose and how to get it LTF
• Currently focused on LTF-only cards
• Want to position myself for future super-premium cards (HDFC Infinia, Axis Magnus, etc.)

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❓ What I Need Help With​

1. Best LTF Rupay cards for UPI rewards?
2. Any smart LTF additions based on current spending?
3. Is HDFC worth continuing as primary bank for future offers and upgrades?
4. Tips to improve CIBIL score from 780 to 790+ (no loan history yet)?
5. How to build eligibility for super-premium cards down the line?
6. Which travel-oriented LTF card can complement my portfolio with low travel (~6–8 flights/year)?
7. I work for a big MNC, are there any exclusive credit card offers similar to alumni benefits offered to college graduates?

 

[Anindya98]

1. Best LTF Rupay cards for UPI rewards?

Yes Kiwi / Tata Neu Infinity

1. Any smart LTF additions based on current spending?

Airtel Axis -> Utility, Scapia Card for Travel & Lounge Access

1. Is HDFC worth continuing as primary bank for future offers and upgrades?

yes

1. Tips to improve CIBIL score from 780 to 790+ (no loan history yet)?

Keep using your card and make repayments on time.

1. How to build eligibility for super-premium cards down the line?

Increasing usage and income with time

1. Which travel-oriented LTF card can complement my portfolio with low travel (~6–8 flights/year)?

Federal Scapia(LTF) -> Axis Atlas(Paid), considering LTF's primary objective.

Special suggestion get the SBI CB before getting more cards. It will be difficult afterwards.

 

[cardCurious]

get the SBI CB before getting more cards. It will be difficult afterwards.

I already have hdfc millennia and swiggy cards, shall i still apply for sbi cb? Also can i get it LTF?

 

[Anindya98]

I already have hdfc millennia and swiggy cards, shall i still apply for sbi cb?

Yes, SBI CB has fewer restrictions and high capping for monthly CB. Up to 1L per month.

Also can i get it LTF?

In the 2nd or 3rd year.