Need suggestion as an NRI

Card Recommendation

Need suggestion for credit cards as an NRI living in Europe. CCs here have almost 0 reward rate. I already have HDFC DCB and Axis Samsung Infinite. DCB has very limited acceptance, so not being used a lot. Even Amazon here is not accepting DCB.

Primarily using Axis samsung infinite for now. Since I held magnus in the past, the miles ratio is 5:2 for me. After forex charges deduction, net reward rate is around 1.9%, as opposed to DCB, where it can be around 2.2% with GVP. I have axis samsung infinite renewal coming up in May, so planning to close it as the fees won't be justified.

The major monthly expense if house rent, where anyways cc can't be used. Other regular spends will be less than a lakh. Looking for recommendation based on that. My thought is to close Axis samsung infinite and get FD based HDFC infinia. Open to other suggestions.

Posted Apr 6, 2026, 1:31 PM UTC

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