Need recommendation for next credit card- mainly for UPI small spends
Cibil: 763 (credit history: 2 yrs+ due to amazon pay later)
credit cards (since Dec 2025): axis neo,airtel, amex privilege(latest); hdfc swiggy ornge; roarbank; idfc first millennia (all LTF except axis airtel)
Age: 37
Monthly: 1 lakh+, salaried
Monthly expenses: Telecom & postpaid~1.3k airtel black, food/groceries/shopping- 16k, fuel~1k, local travel~2k, other expenses(optional)~3k online+offline
Yearly expenses: bsnl mobile recharge~2k (84 days pack 4 times), insurance~50k, domestic flights~ 20-30k occassionally
Background- My cc history started in Dec 2025 when I got axis neo after airtel card was rejected. Got the axis airtel anyway in June 2026(after devaluation) and have been using it since, getting 500+ cashback every month. But it turns out effectively I'm getting only 2.7%. Also tracking the base category spends is tough. So thinking to get a dedicated card for airtel black bill(can be paid only in airtel app).
Preferences for Credit Card Features: 1. Rupay cc for food/groceries offline for small spends(<100 rs) that gives atleast more than 1% what I currently get from axis airtel(only for >100 rs) 2. A dedicated card for airtel black bill(can be paid only in airtel app).3. Planning to get amazon icici cc since I'm amazon prime customer and use amazon
Reward preference- mostly cashback
Lounge access reqd- no (currently got it covered by debit cards)
P.S.- I got 5 hard enquiries in last 6 months(after 4 Apr). Planning to apply hsbc rupay cashback cc and amazon icici cc tomorrow.(5 Oct). Please give your suggestions if I should wait more or apply tomorrow