Credit Cards

I am planning to buy a car soon, and for this i want to use a credit card for a down payment to maximize cashback and benefits. So suggest a credit card that allows simple EMI for big purchases. Is there any credit card available that gives me all the benefits?

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 are regularly flying through Air India, then this cost is justified, as it provides benefits to you like reward miles, discounts, lounge access, travel insurance, and many more. 
If you're interested in exploring more options, then Axis Bank Vistara and Citi PremierMiles cards offer flexible rewards with additional benefits like travel insurance, lounge access, offers on dining, shopping, and many more.

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

Thanks for the resolving my doubt. Now tell me what are the documents needed for the procedure of increasing the credit limit on my DCB card?

ICICI offers many types of credit cards to users. These cards are identified by the functions and benefits they provide to users.

Cashback Credit Card: These are the most used credit cards in India. These are used to save money or to take advantage of amazing deals. Each time you use the card, you receive cashback on your purchases with the card every time you use it.

Travel Credit Card: These cards are good for those who travel a lot. These cards provide users with attractive discounts on their flights and hotel bookings. The user gets lounge access and travel insurance also. Users get the air miles as rewards every time they use the card, they receive air miles as rewards.

Fuel Credit Card: Users can use these cards at fuel stations, and they get attractive discounts or cashback every time they refill the vehicle.

Premium Credit Cards: It's the best card for those who spend a lot. And it offers an exclusive benefit to users, like reward points, lounge access, dining discounts, entertainment offers, and many more.

All these cards are used for different purposes, so identify your needs and then apply for the suitable card for yourself.

For food, fuel and online shopping, the HDFC Millennia Credit Card is a good option for you. This card offers cashback in all these categories. It gives you around 5% cashback, 2.5% cashback for online shopping, and 1% cashback for fuel.

Amex is a credit card that gives you good rewards and traveling benefits, airport lounge access, travel insurance, and many more features.

The ForexPlus Card is a prepaid travel card that enables you to load and manage currencies from various countries, thereby making international travel more convenient.

If you regularly travel to the US, an Amex card would be a great choice. Most travelers find that having both cards maximizes the benefits, but it's important to consider your travel habits before making a decision.