I want a mid-range premium credit card. Suggest me

[Ayan37]

For 6 years, I’ve responsibly used basic credit cards (SBI, IDFC, HDFC, BOB, YES, etc.), maintaining a 770+ credit score, 100% on-time payments, and limits up to ₹1.1L. Yet today, despite my spotless record, but at this time my every new application—basic or premium—is rejected without explanation.
Is there something I’m missing? If anyone can guide me or help secure my desired card, I’d be deeply grateful.

 

[akshayhs]

You might be over-leveraged.

 

[IDontThinkSo]

For 6 years, I’ve responsibly used basic credit cards (SBI, IDFC, HDFC, BOB, YES, etc.), maintaining a 770+ credit score, 100% on-time payments, and limits up to ₹1.1L. Yet today, despite my spotless record, but at this time my every new application—basic or premium—is rejected without explanation.
Is there something I’m missing? If anyone can guide me or help secure my desired card, I’d be deeply grateful.

It would have been better if you have shared whats mid-range for you?

For example if you consider Axis Atlas as mid range, you can get it pre-approved if you have an existing Axis card.

But it depends on what is your list of mid-range cards and what is your income, how you have tried getting them earlier and how many active accounts you already have.
Also your highest limit of 1.1L is low for getting higher end cards so maybe start with increasing it.
And 770 for 6 years seems low to me, what is your total limit and its utilisation.
A lot of information is not there to help you better.

 

[Anindya98]

It would have been better if you have shared whats mid-range for you?

For example if you consider Axis Atlas as mid range, you can get it pre-approved if you have an existing Axis card.

But it depends on what is your list of mid-range cards and what is your income, how you have tried getting them earlier and how many active accounts you already have.
Also your highest limit of 1.1L is low for getting higher end cards so maybe start with increasing it.
And 770 for 6 years seems low to me, what is your total limit and its utilisation.
A lot of information is not there to help you better.

Same thought agree with all the points. More info is needed to help him better.

 

[nandhakumarn]

For 6 years, I’ve responsibly used basic credit cards (SBI, IDFC, HDFC, BOB, YES, etc.), maintaining a 770+ credit score, 100% on-time payments, and limits up to ₹1.1L. Yet today, despite my spotless record, but at this time my every new application—basic or premium—is rejected without explanation.
Is there something I’m missing? If anyone can guide me or help secure my desired card, I’d be deeply grateful.

Best kotak zen card

 

[Beyond]

Looking at Indian CCs, there are either normal cc or premier cc, nothing sits in between.
Try for amex if your lifestyle has that kind of spends

 

[Ayan37]

It would have been better if you have shared whats mid-range for you?

For example if you consider Axis Atlas as mid range, you can get it pre-approved if you have an existing Axis card.

But it depends on what is your list of mid-range cards and what is your income, how you have tried getting them earlier and how many active accounts you already have.
Also your highest limit of 1.1L is low for getting higher end cards so maybe start with increasing it.
And 770 for 6 years seems low to me, what is your total limit and its utilisation.
A lot of information is not there to help you better.

my income approx 60k as a self employed. and my cibil score last i checked 777+
i have 5 Unsecured CC, 1 Secured OD, 1 Gold Loan, and 1 Unsecured personal loan.
my lower limit card is 50k and higher limit is 1.1L
my all card total combined limit is 4.5L
my spending per month 20-70k depend month on month usually average spending 20-35k and i paid bill before bill generation so my utilization ratio show my cibil report 0-5%

so i want those mid range cards like regalia gold, Axis atlas, IDFC Wealth etc for better reward and better concierge service

 

[Ayan37]

Same thought agree with all the points. More info is needed to help him better.

Please help me this matter i provide some details as you want.

 

[Anindya98]

my income approx 60k as a self employed. and my cibil score last i checked 777+
i have 5 Unsecured CC, 1 Secured OD, 1 Gold Loan, and 1 Unsecured personal loan.
my lower limit card is 50k and higher limit is 1.1L
my all card total combined limit is 4.5L
my spending per month 20-70k depend month on month usually average spending 20-35k and i paid bill before bill generation so my utilization ratio show my cibil report 0-5%

so i want those mid range cards like regalia gold, Axis atlas, IDFC Wealth etc for better reward and better concierge service

Please help me this matter i provide some details as you want.

My first suggestion will be to get the SBI CB first before getting any more cards.

• Online - SBI CB, HDFC Swiggy & ICICI Apay
• UPI - Yes/AU Kiwi, HDFC TNI LTF
• Travel - Axis Atlas, HDFC RG
• Utility - Airtel Axis
• IDFC Wealth is not worth it, and it is now a basic card after all the devaluation.

Now I will need: Share either monthly or annual spending.
Pls break down your spends and requirements in the mid-range cards you are looking for.
Also, your existing cards have with limit.

example: Grocery - 2K online
Online shopping - 5K