Salary Rs.1.4LPM. Looking for suggestions to optimize my credit card portfolio.
Current cards:
HDFC Millennia (LTF)
SBI Cashback (all online purchases where there's no instant discount)
Airtel Axis (utility bills + Airtel recharge)
ICICI Amazon Pay (offline spends like pharmacy/hospital, Amazon purchases when applicable)
Jupiter Edge CSB Plus (Amazon Pay vouchers, Flipkart, and other voucher-based spends)
Monthly spends:
Rent via UPI (PG, so no credit card option)
₹15k–25k/month at pharmacies & hospitals (parents use my card)
₹10k–12k every 2 months on Indigo flights back home
For flights, I usually book directly on Indigo using SBI Cashback (or via Goibibo/MMT if the discount is better).
I'm planning my first international trip (likely Dubai) later this year and expect to travel more going forward.
Need suggestions on:
A good card for domestic + international lounge access.
A better card for pharmacy/hospital offline spends.
A better option for recurring Indigo flight bookings.
Is there anything in my current portfolio that's redundant or worth replacing?
Thanks!
Posted Jun 27, 2026, 10:31 AM UTC