Best Upgrade to HDFC Regalia Gold?
I had applied for DCBM but got declined stating the employer is not recognised. However it’s a public company in India with different registered name on salary slips. Now I am looking for more powerful alternative. I currently hold Regalia Gold and recently starting maximising rewards points via PayZapp app / coupons
Request to recommend card for my profile. Sharing more info about me
Cibil: 800+
Age: 30
Monthly Income and Employment status: ~3L & Salaried
Monthly Expenses & Spending Patterns: ~1L
Top 5 Monthly spend categories and Top 5 Annual spend categories:
Monthly: Grocery apps, Amazon, Food outlets, offline Shopping , Uber, Petrol
Annual: International travel (flight + Hotel) , Income tax, & other same as above
Reward Preference (Cashback or Reward Points): Aspire to use point for international travel be it hotel or flight ticket (I have heard about people funding business class tickets through point but at present I just want to start accumulating points )
Lounge Access Required: yes
Note- I already have SBI cashback CC
Total limit sanctioned : 6L (Regalia gold) + 3.4 (SBI Cashback)
Edit: Please suggest some long term solutions, if feasible. I am not looking for quick wins and also OK to optimise spending. Yes, I do ko want to own more than 2-3 cards