Axis Atlas Credit Card
Eligibility & Fees:
- Income Requirement: ₹1 lakh per month
- Annual Fee: ₹5,000 + GST
Rewards:
- Sign-Up Bonus: 2,500 Edge Miles
- Earning Rates:
- 2 Edge Miles for every ₹100 spent
- 5 Edge Miles for every ₹100 spent on hotels, airlines, and Axis Travel Edge portal
Milestone Bonuses:
- 2,500 miles for spending ₹3 lakhs
- Additional 2,500 miles for spending a cumulative ₹7.5 lakhs
- Another 5,000 miles for spending a cumulative ₹15 lakhs
Benefits:
- International and domestic lounge access
Why Use This Card?
- Travel Rewards: Earn up to 42,500 miles in the first year with ₹15 lakhs spend. Miles are transferable to partners like Accor, Marriott, Vistara, and more.
- Redemption: Use miles for hotel stays or international flights. Note: Ensure you avoid categories that don’t earn points, such as jewellery and insurance.
HDFC Infinia Credit Card
Eligibility & Fees:
- Invite-Only: Contact your bank’s relationship manager for application
- Annual Fee: ₹12,500 (waived on spending ₹10 lakhs)
Rewards:
- Base Reward Rate: 3.3% on all spends
- Additional Benefits:
- Complimentary Club Marriott membership for the first year
- Complimentary nights (2+1) and buffet (1+1) at participating ITC hotels
- Unlimited complimentary golf games
- Unlimited lounge access in India and abroad
- 5x rewards on travel spends
Why Use This Card?
- High Reward Rate: Earn up to 16.5% in rewards when booking flights on the SmartBuy portal. Redeem points at 1 rupee per point on the SmartBuy portal.
- International Spend: Enjoy a 2% forex markup and 1% cashback up to ₹1,000 per month on international spends. Effective reward rate is 2.3% on ₹1 lakh spend.