Help Me Upgrade: From ICICI Sapphiro to a Proper Miles CC
CIBIL Score: 780
Age: 26
Income & Employment:
- ₹2 LPM (salaried)
Monthly Spend Overview:
- ₹50–60k on credit cards (travel, shopping, dining, groceries, etc.)
- Rent: ₹27k (not on CC)
- ~₹15k via UPI (bills + small expenses)
Spending Patterns:
- Travel: 3–4 trips/year (1–2 international, 2–3 domestic)
- Shopping: ₹5–10k/month
- Groceries: ~₹5k/month
- Dining/going out/hobbies: ~₹5k/month
Reward Preference:
- Reward points (prefer airline miles)
- Flexible airline partners preferred (not tied to a single airline; excluding Air India)
Lounge Access:
- Yes (important)
Current Cards:
- ICICI Sapphiro
- ICICI Coral
- Previously held SBI Air India Platinum (closed due to poor customer service)
What I’m Looking For:
- A card optimized for airline miles / travel rewards
- Strong customer support (priority after bad SBI experience)
Posted Apr 5, 2026, 10:05 AM UTC
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