meharshsanghavi
TF Buzz
Hi everyone,
I’m looking for advice on which credit card should be my secondary now that I plan to drop my Amex Platinum Charge (₹35K monthly usage) when it comes up for renewal in August. I don’t find the benefits justifying the fee anymore.
Here’s my current card setup and usage:
Primary Card:
HDFC Infinia – Used as my main card with monthly spending of approx ₹80,000.
Secondary (being discontinued):
Amex Platinum Charge – Around ₹35,000 monthly usage, mainly lifestyle spends. Not renewing.
Other Cards I Use Occasionally:
Amex Platinum Travel – Used mainly for ₹4L annual insurance premium payments for the Taj vouchers.
ICICI Sapphiro – Only for BookMyShow Buy 1 Get 1.
HDFC Biz Black – Floater card for tax payments under Infinia relationship.
IDFC Vistara – For Star Alliance Silver.
BoB Eterna – Currently unused, but considering it again.
Ixigo AU Card – Strictly for 0% forex usage while abroad.
What I’m Considering Now:
Axis Atlas – I enjoy the Points & Miles game and Atlas seems rewarding (especially with the tier benefits). But I’m concerned about frequent Axis devaluations and lack of transparency.
BOB Eterna – Solid value with 3.75% returns as direct cashback in points, LTF for me. More stable than Axis?
My Preferences:
High rewards on travel/dining/lifestyle.
Transparent reward program.
Prefer flexibility (transferable points or good cashback).
Don't want to be hit by surprise devaluations.
Lounge access & travel perks a bonus.
What would you suggest as a good secondary card after Infinia?
Thanks in advance!
I’m looking for advice on which credit card should be my secondary now that I plan to drop my Amex Platinum Charge (₹35K monthly usage) when it comes up for renewal in August. I don’t find the benefits justifying the fee anymore.
Here’s my current card setup and usage:
Primary Card:
HDFC Infinia – Used as my main card with monthly spending of approx ₹80,000.
Secondary (being discontinued):
Amex Platinum Charge – Around ₹35,000 monthly usage, mainly lifestyle spends. Not renewing.
Other Cards I Use Occasionally:
Amex Platinum Travel – Used mainly for ₹4L annual insurance premium payments for the Taj vouchers.
ICICI Sapphiro – Only for BookMyShow Buy 1 Get 1.
HDFC Biz Black – Floater card for tax payments under Infinia relationship.
IDFC Vistara – For Star Alliance Silver.
BoB Eterna – Currently unused, but considering it again.
Ixigo AU Card – Strictly for 0% forex usage while abroad.
What I’m Considering Now:
Axis Atlas – I enjoy the Points & Miles game and Atlas seems rewarding (especially with the tier benefits). But I’m concerned about frequent Axis devaluations and lack of transparency.
BOB Eterna – Solid value with 3.75% returns as direct cashback in points, LTF for me. More stable than Axis?
My Preferences:
High rewards on travel/dining/lifestyle.
Transparent reward program.
Prefer flexibility (transferable points or good cashback).
Don't want to be hit by surprise devaluations.
Lounge access & travel perks a bonus.
What would you suggest as a good secondary card after Infinia?
Thanks in advance!
