Looking for Travel Credit Card Recommendations (70K Salary | 3–4L Annual Spend | Aim: Airmiles)

[BK7]

Hi everyone,

I'm planning to get a travel-focused credit card and would appreciate some suggestions. Here are a few details about my profile:

• Monthly Salary: ₹70,000
• Annual Credit Card Spend: ₹3–4 lakhs (includes insurance and fuel)
• Primary Goal: Accumulate air miles for future travel

A few things to note:

• I’m not eligible for cards like Axis Atlas or HDFC Regalia Gold due to income criteria.
• I don’t mind paying an annual fee as long as the benefits justify it, especially in terms of flight redemptions, lounge access, or milestone bonuses.

I mostly spend on fuel, insurance, and occasional online purchases. I'm open to cards with reasonable annual fees if the benefits (especially airmiles or travel vouchers) are worth it.

Which credit cards would you recommend in my case? I'm looking for something that offers good value and rewards for travel.

Thanks in advance!

 

[Dazzwilliams]

What are your existing cards and limits?

 

[Aniket Sharma]

Hi everyone,

I'm planning to get a travel-focused credit card and would appreciate some suggestions. Here are a few details about my profile:

• Monthly Salary: ₹70,000
• Annual Credit Card Spend: ₹3–4 lakhs (includes insurance and fuel)
• Primary Goal: Accumulate air miles for future travel

A few things to note:

• I’m not eligible for cards like Axis Atlas or HDFC Regalia Gold due to income criteria.
• I don’t mind paying an annual fee as long as the benefits justify it, especially in terms of flight redemptions, lounge access, or milestone bonuses.

I mostly spend on fuel, insurance, and occasional online purchases. I'm open to cards with reasonable annual fees if the benefits (especially airmiles or travel vouchers) are worth it.

Which credit cards would you recommend in my case? I'm looking for something that offers good value and rewards for travel.

Thanks in advance!

Sbi miles elite would be better

 

[BK7]

What are your existing cards and limits?

I am looking for new card for travel purpose to earn miles, existing Icici coral, HDFC Millenia, not getting upgrade option

 

[nh124001]

with 4 lakh of yearly spends for air miles... go for amex platinum travel that's it.. once amex resume issuance...

 

[BK7]

with 4 lakh of yearly spends for air miles... go for amex platinum travel that's it.. once amex resume issuance...

Apologies, but Amex is currently not issuing new cards and there are acceptance issues, so I’d prefer to avoid it.

 

[Aniket Sharma]

Apologies, but Amex is currently not issuing new cards and there are acceptance issues, so I’d prefer to avoid it.

See you already eliminated hdfc & axis, now icici don't have any good cards, idfc mayura you can prefer, sbi aurum or miles elite whatever you can get easily, no doubt amex having acceptability issue, remaining banks doesn't seem to be offering that good.

 

[Dazzwilliams]

I am looking for new card for travel purpose to earn miles, existing Icici coral, HDFC Millenia, not getting upgrade option

Are you holding atleast 1 other credit card (any bank) currently? If yes what's its limit?

Easier way to get Axis Atlas is to initially get a basic card (paid or LTF) from Axis. If you get more than 1L limit, pre-approved offer for Atlas will be generated on its own after a couple of months.

 

[BK7]

Are you holding atleast 1 other credit card (any bank) currently? If yes what's its limit?

Easier way to get Axis Atlas is to initially get a basic card (paid or LTF) from Axis. If you get more than 1L limit, pre-approved offer for Atlas will be generated on its own after a couple of months.

Icici coral - 5L+
HDFC Millenia - 84K

 

[BK7]

See you already eliminated hdfc & axis, now icici don't have any good cards, idfc mayura you can prefer, sbi aurum or miles elite whatever you can get easily, no doubt amex having acceptability issue, remaining banks doesn't seem to be offering that good.

I tried applying for the Regalia card, but HDFC isn’t willing to offer it to me. I might not qualify for the Atlas card due to my salary. I’m open to other card options if banks are willing to offer me one! 😉

 

[Aniket Sharma]

I tried applying for the Regalia card, but HDFC isn’t willing to offer it to me. I might not qualify for the Atlas card due to my salary. I’m open to other card options if banks are willing to offer me one! 😉

First the limit is too low for any good cards in hdfc.

You can also try regalia based on fd