Credit Cards

It's a wise decision to make a down payment using credit cards, as they typically offer generous cashback and flexible EMI options for larger expenditures. I have provided a list of some excellent credit cards for you to choose from, based on your specific needs:

HDFC Regalia Credit Card: Rewards points on spending, travel perks and many more 3.75% (45% p.a.) Easy EMI conversion for large purchases. Competitive interest rates on EMI
Link: https://www.hdfcbank.com/personal/pay/cards/credit-cards/regalia-gold-credit-card

SBI SimplyCLICK Credit Card: 2% cashback, 10x rewards points, 11.70% - 14.85% p.a. EMI offers on e-commerce sites like Amazon, Mantra
Link: https://www.sbicard.com/sprint/simplyClick

ICICI Coral Credit Card: Good rewards points, airport lounge access,3.40%- Monthly Interest Rate Flexible EMI tenure options.
Link: https://www.icicibank.com/personal-banking/cards/credit-card/coral-card

Axis FlipKart Credit Card: EMI offers on e-commerce sites, 10.8% to 24% p.a. EMI conversions with low interest rates.
Link: https://www.axisbank.com/retail/cards/credit-card/flipkart-axisbank-credit-card

American Express SmartEarn CC: Good rewards points on spending, 14% per annum Easy EMI plans for large purchases.
Link: https://www.americanexpress.com/in/credit-cards/smart-earn-credit-card/

You can use CRED, Paytm, Amazon Pay, and PhonePe to pay for your credit card bills, and these provide good cashback rewards, discounts, and offers on various brands that you can use later.

Go with the HDFC Diners Club credit card:

It is a reward card that you can redeem while booking flights and hotel stays (upto 10X rewards).

Provides national and international lounge access.

Provides travel insurance coverage.

Experience amazing dining benefits.

As you mentioned, you are earning well, so you can easily get the high credit card limits. As credit card limits mostly depend on your income.

If you can't switch the card, then use this card for your domestic use and apply for another card from another bank that offers better forex rates and travel benefits for your international trips. 
AU Banks have given you the facility of "SwipeUp" for upgrading cards, even from other banks. Niyo Global, Axis Bank Atlas, or certain HDFC/SBI premium cards are very good alternatives for you.

Getting a business credit card is very important for growing your business today. Unlike personal credit cards, these cards focus on covering business expenses and usually offer higher credit limits and better rewards for travel and advertising. They are useful for both small businesses and large companies, and the type of card you choose can impact your liability.

The HDFC Bank Biz Power Credit Card is great for entrepreneurs. It offers excellent benefits for travel, bill payments, and tax management. If you sign up and make one online purchase within 30 days, you can choose between a ₹1,500 Amazon gift voucher or an Amazon Prime membership, plus you'll get a six-month Bisprime subscription. This card is specially designed for self-employed individuals, making it easier to manage business spending.

Key Advantages

• Great Rewards: Earn 4 Reward Points for every ₹150 spent on business expenses. If you spend over ₹25,000 a month on things like income tax, GST, and bills through Payzapp/SmartPay, you can earn 5X Reward Points (up to 5,000 points). For spending on Flipkart, MakeMyTrip, or Amazon via SmartBuy, enjoy 10X Reward Points!

• Travel Perks: Get up to 16 free visits to domestic airport lounges each year (2 per quarter). Spend ₹75,000 to add 2 more visits. Plus, enjoy 6 international lounge accesses yearly with Priority Pass.

• Exclusive Offers: Complete one online transaction in the first month to choose between a ₹1,500 Amazon voucher or a Prime membership plus a 6-month Biz Prime subscription. Reach quarterly spending goals of ₹2.5 Lakhs to earn up to ₹10,000 in annual gift vouchers. Save up to 40% on business travel and software with SmartBuy BizDeals and get 10% off dining too!

• Safe and Valuable: The card offers Zero Lost Card Liability protection. Redeem reward points at a value of up to ₹0.65 per point. Plus, if you spend over ₹4 Lakh in a year, the ₹2,500 annual fee is waived.

Fees & Other Charges

Joining Fee: ₹2,500 plus taxes. This fee is charged 120 days after the card is issued. Annual Fee: ₹2,500 plus taxes. You can avoid this fee if you spend ₹400,000 (₹4 Lakh) or more in the previous year. Foreign Currency Transaction Fee: 2%. Cash Advance Fee: ₹500 or 2.5%, whichever is higher. Payment Return Charge: 2% of the payment, with a minimum of ₹400. Overlimit Charge: 2.5% of the overlimit amount, with a minimum of ₹550. Rewards Redemption Fee: ₹99. Finance Charges: 3.75% per month or 45% per year. Late payment charges also apply and depend on the statement balance.

Eligibility Criteria

To apply, you usually need to be self-employed, between 21 and 65 years old, and have an annual income tax return of over ₹12 Lakh.

Required Documents

Self-employed individuals need specific documents for HDFC Biz Power Credit Card. Required documents include ITR, GST returns, bank statements, and merchant payment reports. An annual ITR of ₹12 Lakh is preferred but not always necessary. Applying with a lower ITR might still result in approval.

How to Apply

To apply for the HDFC BizPower Credit Card, follow these steps.

Visit the official HDFC website. Click on 'Apply Now'. Provide your mobile number, date of birth, and PAN number. Click on ‘Get OTP’ and enter the received code. Confirm details as requested. Select the HDFC Biz Power Credit Card to finish the application. You can also apply at the nearest HDFC Bank branch.

There is no need to change the card, as you already have the best one. ICICI Diamant CC is a super-premium credit card.

The HDFC Diners Club Black Metal Credit Card is one of the best choices in India for people who want a mix of luxury and great benefits. This stylish metal card offers many perks, making it essential for anyone who spends a lot.

Key Benefits:

If you spend a lot or love to travel, this card is ideal for you.

Welcome Benefits: Spend ₹1.5 lakh in the first 3 months, and you’ll get free memberships to Club Marriott, Amazon Prime, and Swiggy One. Milestone Benefit: Earn 10,000 bonus points when you spend ₹4 lakhs each quarter, with a yearly limit of 40,000 points. Weekend Dining: Earn double points (10 points for every ₹150 spent) at standalone restaurants on weekends. However, you can earn a maximum of 1,000 points in one day. Excluded Transactions: You won’t earn points on rent, government payments, fuel, wallet loads, or EMI payments. Caps: You can earn up to 2,000 points monthly on groceries and 5,000 points daily on insurance.

Reward Earning Structure:

You can earn rewards based on your spending like this:

Earn 5 points for every ₹150 spent in stores. Use HDFC SmartBuy to earn up to 10X points. Get 10X points on igp.com, hotels, and Jockey. Earn 5X points on flights, buses, Zoomcar, and Nykaa. Score 3X points for vouchers, IRCTC, and Imaginet Dresser. Get 2X points when you shop on Flipkart. Plus, you’ll earn 2X points for dining at standalone restaurants on weekends (capped at 1,000 points daily).

Don't forget about the bonus points! You can earn 10,000 points for spending ₹4 lakh each quarter, with a maximum of 40,000 points yearly.

The SmartBuy booking cap is 75,000 points monthly with the metal card. Points for groceries are capped at 2,000 monthly. For insurance, you can earn up to 5,000 points daily.

There are no points earned for rent, government transactions, fuel, wallet loads, or EMIs.

Reward Point Redemption and Value:

Your reward points are valid for 3 years.

When you book through SmartBuy, it’s worth 1 point = ₹1, and you can use points for up to 70% of your booking. You can redeem a total of 75,000 points monthly with SmartBuy.

Points can also be converted to air miles at a rate of 1 mile for every point. Many airline partners are available for transferring miles through internet banking.

If you redeem points for products or vouchers, you’ll get up to ₹0.50 per point. For cashback, it’s ₹0.30 per point, with a cap of 50,000 points monthly.

With the HDFC Diners Club Black Card, you can receive 3.33% back on everything you spend.

Travel and Lifestyle Benefits:

Get access to over 1,300 airport lounges for free. Enjoy six free golf games every three months. Pay a low 2% fee on foreign spending. Get 10% off dining at more than 35,000 restaurants. Benefit from fast check-ins and help with your luggage at airports. Plus, you have a 24/7 concierge service for all your reservations and assistance needs.

Insurance and Protection:

Air accident insurance of up to ₹2 crore. Emergency hospital coverage abroad for up to ₹50 lakh. Credit liability cover up to ₹9 lakh. Travel insurance covers luggage delays up to ₹55,000. You won’t be responsible for lost cards if you report them quickly.

Other Features:

Get a 1% discount on the fuel surcharge for transactions over ₹400 in India. Use contactless payments for purchases up to ₹5,000. Easily convert large purchases into EMIs. Enjoy up to 50 days of interest-free credit. Add-on cards can be issued for your family members too.

Fees and Other Charges:

The card comes with some fees and charges to keep in mind:

The joining and annual fee is ₹10,000 plus 18% GST, totaling ₹11,800. If you spend ₹800,000 in a year, the annual fee can be waived. Late payments will incur a monthly finance charge of 1.99% (that’s 23.88% yearly). Cash withdrawals will cost you 2.5% of the amount or ₹500, whichever is higher. International transactions will have a 2% markup fee. Going over your limit? That’ll cost you 2.5% of the excess amount or a ₹500 fee. Paying rent with the card? There’s a 1% fee for that. No fees for redeeming your reward points. Late payment charges will vary based on how much is due.

Eligibility Criteria:

If you're thinking about applying for the HDFC Diners Club Black Metal Credit Card, here’s what you need to know:

Occupation: You must be either salaried or self-employed. Age: Most applicants are between 21 and 60 or 65 years old. Minimum Income: This varies depending on your job type.
a) Salaried individuals need a monthly income of at least ₹2.5 lakh.
b) Self-employed people should have a minimum annual income of ₹30 lakh (based on their Income Tax Return).

How to get this card:

Visit HDFC Bank's website. There is a section where you can find the card and click on "APPLY ONLINE." Applying through their official site really increases your chances of getting approved. Good luck!

Overall:

The HDFC Diners Club Black Metal Credit Card is great for big spenders, especially if you enjoy traveling. Yes, the annual fee is higher, but with the welcome offers and travel benefits, it’s definitely worth it. It has better features compared to the regular card, especially for rewards and points. It’s well-regarded and provides good value for those who can meet its spending and income requirements.

For small and medium businesses, keeping track of expenses and managing travel can be pretty tough. That's why the myBiz ICICI Bank Business Credit Card is perfect for this kind of situation. It makes handling your finances way easier and also gives you rewards for every purchase.

Here’s what’s great about this card:

Welcome Benefits

When you get the card, you start off with 500 myBiz cash. You’ll also get discounts on your first five flight bookings over ₹10,000. Plus, there are discounts on your first five hotel bookings, but they need to hit some minimum amounts.

Reward Rates

You earn 3 myBiz cash for every ₹200 spent on hotels. Earn 2 myBiz cash for every ₹200 spent on flights. For international transactions, you get 1.25 myBiz cash for every ₹200. And for domestic transactions, it’s 1 myBiz cash for every ₹200.

How to Redeem Rewards

You can use your myBiz Cash on the MMT myBiz platform. Every 1 myBiz Cash equals ₹1. So, you can use that cash for travel and accommodation right through the app or website.

Milestone Benefits

Spend ₹1 lakh in a year and earn 1,000 myBiz cash. Hit ₹5 lakhs and you’ll get 2,000 myBiz cash. There are bonus rewards for hitting your yearly spending targets.

Airport Lounge Access

Enjoy one free access to a domestic lounge every quarter. Just spend ₹35,000 in the current quarter to keep your access for the next.

Concierge Services

There’s i-Assist available 24/7 to help you with travel, hotel bookings, and more.

MakeMyTrip myBiz Privileges

No booking fees for hotels, whether domestic or international. No rescheduling fees on special fare domestic flights. Get free meals on those special fare domestic flights. There are discounts on booking fees for one-way and round-trip tickets. Lower cancellation fees for domestic flights. Access to top hotels at good prices. A mobile workflow to help manage your corporate travel rules.

Financial Perks

The joining fee is just ₹500 + GST, and there’s no renewal fee after the first year. It’s a great deal for long-term business use. You earn myBiz cash on multiple purchases, which can be used on MMT myBiz. Earn big with 3 myBiz cash for every ₹200 on hotels and 2 myBiz cash for every ₹200 on flights. You get 1.25 myBiz cash for international transactions and 1 myBiz cash for domestic ones. Plus, you get a bonus of 1,000 myBiz cash for spending ₹1 lakh annually, and 2,000 for ₹5 lakhs. There's a 1% waiver on fuel surcharges at petrol pumps.

Fees and Charges

Joining Fee: ₹500 + GST for new cardholders. Renewal Fee: No fee after the first year. Rewards Redemption Fee: Just ₹99 when you redeem rewards. Foreign Currency Markup: A 3.50% fee on international transactions. Interest Rates: The monthly rate is 3.67%, which is about 44% annually. Fuel Surcharge: You get a 1% waiver on fuel purchases, with a monthly limit. Cash Advance Charges: It's a 2.5% fee or a minimum of ₹300.

Final Thoughts

The myBiz ICICI Bank Business Credit Card is a solid option for entrepreneurs who want to keep a tight grip on their costs and make the most out of their savings, especially when it comes to travel and lodging. It’s definitely a handy tool to help your business grow!

India's wealthy folks just got an exciting new option with the launch of the Axis Bank Primus Credit Card. This invite-only card is made for Ultra High Net Worth Individuals (UHNWIs) and is all about bringing a new level of luxury and exclusivity to the Indian premium credit card scene. Axis Bank is already known for its super-premium cards like Axis Burgundy Private and Axis Reserve, and now they're teaming up with Visa to roll out this high-end offering.

Targeting India's Affluent Elite

Axis Bank launches the Primus card for India's wealthy elite. India's GDP is around $3.5 trillion, with rising millionaires. Expected 1.63 million millionaires by 2026, showing strong demand. Millionaire net worth increased by 58.4% in five years. Primus card targets a small group of high-net-worth individuals. Initially available in Delhi and Mumbai for exclusivity and style.

Exclusive Perks:

Axis Bank Primus Credit Card offers exclusive luxury and lifestyle privileges.

1. Welcome and Renewal Benefits:

New cardholders get a ₹40,000 gift card or 25,000 Axis EDGE Miles. 25,000 EDGE Miles equals 1,25,000 partner points for travel savings. Renewal offers ₹20,000 ITC voucher or 15,000 EDGE Miles. Choose welcome benefit on the application form within 15 days. A Primus Lifestyle Relationship Manager helps after application approval.

2. Unforgettable Culinary Journeys: Cardholders get special access to over 10,000 restaurants worldwide. This includes hard-to-get tables and last-minute reservations at Michelin-starred places and the top 50 restaurants in the world. This benefit sets our card apart from other premium credit cards.

3. Curated Global Events: You can get invited to special art gallery tours, big sports events, private restaurant takeovers, unique fashion experiences with personal shoppers, exclusive product launches, and concerts. These events are usually not open to everyone.

4. Travel Redefined: The card provides personalized travel plans, including special activities like flying safaris and ski trips, along with access to private jets.

5. Luxury Hotel Access: Cardholders can stay at top hotels around the world at special rates. They also enjoy free perks like room upgrades, in-room Wi-Fi, breakfast, food and drink credits, VIP status, and late checkouts. Plus, if they book at least two nights at over 900 luxury hotels, they get one night free.

6. World-Class Concierge Service: Cardholders have access to a concierge service that helps with their specific needs and arrangements.

7. Unlimited Golf Privileges: Primary and additional cardholders can play unlimited free rounds of golf and take lessons at domestic clubs. They also get four free international rounds of golf when they bring a guest.

8. Airport Services: Enjoy a one-way 'Meet & Assist' or 'Fast Track Immigration Service' at airports worldwide. You also get one free luxury airport transfer for each trip at selected airports.

9. Unlimited Lounge Access: Primary and add-on cardholders can access airport lounges for free, both domestically and internationally, through Priority Pass. You also get 24 guest visits each year (12 for domestic lounges and 12 for international lounges).

10. Complimentary Companion Airfare: Frequent travelers can get free companion airfare when they buy first or business class tickets from certain airlines. Some rules apply, like purchasing tickets at regular prices and starting and ending your journey in the same country where the card was issued.

11. Taj Epicure Membership: You will receive a Taj Epicure membership each year, giving you discounts on dining, hotel stays, and spa services.

12. Rewards Programme:

Earn 1 EDGE Mile for every ₹100 spent, no exclusions. Rewards include fuel, rent, insurance, and utilities. High spenders get quarterly bonus miles: ₹20 Lakh to ₹30 Lakh: 15,000 bonus miles. ₹30.1 Lakh to ₹50 Lakh: 25,000 bonus miles. Above ₹50 Lakh: 35,000 bonus miles. Best value: 1 EDGE Mile = 5 Partner Miles. Transfer miles to many travel partners like Air India and Marriott. Minimum of 500 EDGE Miles needed to redeem. High spending needed for maximum return (over ₹1.2 crore).

Other Features:

Lost card cover up to ₹25 Lakh. 1% fuel surcharge waiver on transactions between ₹400 and ₹10,000.

Fees & Other Charges:

Joining fee is ₹5 Lakh, or ₹5.9 Lakh with GST. Previous joining fee was ₹1,80,000. Annual fee is ₹3 Lakh, or ₹3.54 Lakh with GST. Previous renewal fee was ₹1,80,000 + GST. Interest rate is 1% monthly, about 12.6% annually. This is one of India's lowest credit card interest rates. No late payment fees or over-limit penalties. No foreign exchange charges or dynamic currency fees. No fees for rent transactions, which is rare. No redemption fees for reward points. No cash withdrawal fees abroad, just 1% interest on withdrawals. Fuel surcharge waived for transactions between ₹400 and ₹10,000. Annual fee must be paid regardless of spending.

Eligibility Criteria:
The Axis Bank Primus Credit Card is invite-only and not publicly available.

It's aimed at Ultra High Net Worth Individuals (UHNWIs) in India. Designed for the growing number of millionaires in India. Offered to a select few high-net-worth individuals in Delhi and Mumbai. Appeals to wealthy elite with tastes for style and exclusivity. Not suitable for middle-class people; focuses on High Net Worth Individuals (HNIs). Ideal for frequent travelers and luxury spenders. Good for those paying high rent, like ₹2.5 Lakh or more yearly.

Conclusion:
The Axis Bank Primus Credit Card is an exclusive card for wealthy individuals seeking a premium lifestyle. It benefits frequent international travelers and luxury lovers, despite its high fees. The card offers unique perks, low interest rates, and no foreign exchange charges, making it appealing for the ultra-rich. For those who can use its rewards wisely, it provides great value and could compete well with cards like the City Ultima.

The American Express Platinum Charge Card is all about luxury, ease, and top-tier service. It's perfect for anyone who loves a premium lifestyle and wants smooth travels. Unlike regular credit cards, you’ll need to pay off your balance in full every month, and there’s no fixed spending limit—this promotes responsible spending. This card isn't just a piece of plastic; it’s a symbol of status that gives you access to exclusive perks, especially if you're someone who travels a lot.

So, What Makes This Card Special?

The American Express Platinum isn’t your typical credit card. There’s no preset credit limit, so you can spend as needed, but you must pay off the total by the due date. This is great for big spenders who want more flexibility without the worry of limits.

Is This Card for You?

This card is for a very specific crowd. If any of these sound like you, the Platinum Card could be just what you need:

The Elite Individual: People see it as a status symbol, so if you're after exclusive benefits and want to be part of an elite club, this could work for you.

The Frequent Traveler: If you’re often on the go and enjoy luxury hotels, this card gives you sweet perks and savings during your travels.

The Big Spender: If you usually rack up a ton of expenses each year, the benefits could really add up for you.

Tech-Savvy Travelers: If you need quick help with travel arrangements, last-minute bookings, or anything travel-related, the 24/7 concierge service has your back.

In a nutshell, if you’re ready to splurge a bit for better services and smoother travels, this card could be a great fit.

What You Get with This Card:

The American Express Platinum Charge Card is designed for those who appreciate a touch of luxury and travel often. Here’s a quick rundown of what you get:

1. Card Features:

No Set Spending Limit: Spend what you need and pay it off later. Perks That Make You Feel Special: This card is often viewed as a symbol of status. 24/7 Concierge Service: Need help planning an event, making dinner reservations, or booking a golf tee time? Just ask, and they’ll handle it.

2. Welcome and Renewal Perks:

Get hotel and resort vouchers worth up to ₹60,000. A free Times Ace Membership grants access to 40+ streaming services and magazines. Refer a friend and earn 10,000 bonus points! Join and start with 125,000 Membership Reward Points that you can transfer to Marriott Bonvoy. Initial card value could hit ₹96,000 with all those joining perks. Spend ₹20 Lakh yearly to snag renewal vouchers worth up to ₹35,000. The annual fee may be waived if you meet the spending requirements.

3. Travel Perks:

Access to over 1,300 airport lounges worldwide. Includes exclusive lounges like American Express and The Centurion Lounge in big cities. Free Priority Pass Lounges when traveling internationally (they might cost in India). Access to Delta Sky Club when flying Delta. Lounge access is available for both primary and supplementary cardholders. Get great deals with airlines like Air India and Emirates.

4. Insurance and Protection:

Air Accident Cover of ₹5 Crore when you buy tickets with the card. Overseas Medical Insurance up to US$50,000 for your first week of travel (plus, five trips a year). Baggage Loss Insurance that covers up to ₹50,000 for lost bags. Purchase Protection for items lost or damaged within 90 days. Additional travel services like private charters and meet-and-greet help.

5. Hotel Perks:

Enjoy complimentary elite hotel memberships without the typical requirements. Marriott Bonvoy Gold Elite Status: Room upgrades, points bonus, late check-out, and welcome gifts. Hilton Honors Gold Elite Status: Room upgrades, bonus points, free breakfast, and a free night when staying five nights. Discounts at Taj hotels and other luxury hotel memberships.

6. Fun and Lifestyle Perks:

Get exclusive invites to VIP events like concerts and award shows. Enjoy up to 50% off at 1,800+ premium restaurants in India. Free golf games and lessons at tons of courses. Special movie offers where you can buy one INOX ticket, get another free each month (up to ₹500). Instant cashback of up to ₹8,000 on Apple products bought through their stores or website.

7. Rewards Program:

Earn 1 Membership Reward Point for every ₹40 spent on most purchases. Get 3x points on international spends and up to 20x points at premium brands. Points never expire and can be redeemed for cool stuff or travel bookings.

Fees:

Joining fee is ₹60,000 plus 18% GST, totaling ₹70,800. Annual fee is ₹66,000, which can be waived with spending. Add-on card costs ₹10,000 plus taxes. Cash advance fees are 3.5% of the amount, with a minimum of ₹250.

Eligibility:

Minimum age to apply is 18. Salaried individuals need an annual income of ₹25 Lakhs or more, while self-employed folks need ₹15 Lakhs. A solid credit history and a bank account are must-haves. Available in select cities like Delhi, Mumbai, and Bangalore.

To wrap it all up, the American Express Platinum Charge Card is a fantastic option if you’re ready to make the investment and fully utilize its benefits. It makes a statement, delivers an amazing experience, and is a powerful tool for those who enjoy luxury travel and lifestyle. Experts give it a strong 4 out of 5 stars, especially for its outstanding service and perks!