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

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