u/Expensive-Win6902

Age 35

Cibil score 781

1.7 L net salary

I've icici salary account and Sapphiro credit card.

Got Hsbc live plus last month.

Planning to get sbi phonepe black and kiwi with neon.

Is this ok?

Or shall I switch to hdfc for regalia or pls give some other suggestion.

No flight booking and lounge access not required.

Yearly spend will be 6 to 8 lakhs.

Hi I've been using my friend's hdfc infinia for flight tickets. I'll get 13% discount on total price. Shall I continue doing this or shall I get atlas or some other cards which will reward me better. My yearly spend on air tickets will be 3 L.