Here’s my setup 
Spends:
Profile:
Looking for:
Should I continue with Flipkart Axis despite downgrades?
And which card suits better — Axis Super Money, YES ACE, or SBI Select Black?
- Flipkart Axis (₹500/yr) – Using since 11/22. Mostly for Flipkart/Myntra sales. Degraded multiple times — not sure if it’s worth keeping since I’m a Flipkart Black member.
- Axis Amex Privilege – New, NIL fee, shared limit. Not used yet.
- HDFC Freedom Rupay (LTF) – Can upgrade to Rupay Millennia (₹1K fee from 2nd year).
- SBI Cashback (₹999/yr, waived @₹2L) – Main card for Amazon/Flipkart/Myntra/ online spends/ recharges
- Kotak Rupay League (LTF) – Not using lately.
Spends:- ~₹40K/year on insurance (5% cashback via SBI Cashback)
- Mostly online spends
- Friends also use my cards — helps me hit fee waiver targets
Profile:- Salary: ₹98K/month
- CIBIL: 786
Looking for:- Credit card with cashback on UPI (Axis Super Money – 3%, YES Bank ACE – 2%)
- Or SBI Select Black (10% on utilities/insurance)
Should I continue with Flipkart Axis despite downgrades?And which card suits better — Axis Super Money, YES ACE, or SBI Select Black?