Net Income: ₹13.5 LPA
Current Cards:
Background:
I’m new to credit cards and don’t have deep knowledge yet. My idea is to start simple and then gradually upgrade within these two banks.
I do know about some premium cards like Axis Atlas or HDFC Marriott Bonvoy, but I’m not sure I can utilise them fully right now.
Ask:
Given my income, spend pattern, and preference to stay within HDFC + Axis, what’s the best upgrade path or card strategy I should follow for the next few years? Any pitfalls to avoid?
Current Cards:
- HDFC MoneyBack+ (LTF, recently taken)
- Considering Axis Airtel Credit Card (to start relationship with Axis)
- Stick to HDFC + Axis ecosystem
- Keep only 2 credit cards in the long run and upgrade them over time
Background:
I’m new to credit cards and don’t have deep knowledge yet. My idea is to start simple and then gradually upgrade within these two banks.
I do know about some premium cards like Axis Atlas or HDFC Marriott Bonvoy, but I’m not sure I can utilise them fully right now.
Ask:
Given my income, spend pattern, and preference to stay within HDFC + Axis, what’s the best upgrade path or card strategy I should follow for the next few years? Any pitfalls to avoid?
