Axis Bank Credit Card

Hey @Myra-Kapoor

When you're deciding between co-branded hotel points (like Atlas/Accor) and a fixed-value portal for your domestic flights, the answer really comes down to your specific travel patterns. If hotel stays dominate your travel, stick with Atlas.

However, if frequent flights are your priority, the fixed-value portal offers much better flexibility and more reliable rewards because you avoid all those annoying limitations on availability and the blackout restrictions that co-branded programs are famous for.

@Vedik_AA
Missing a credit card payment often results in a late fee and can lower your credit score right away. Interest on the unpaid balance begins to accumulate each day. Missing one payment usually won't significantly impact your credit limit or benefits, but consistently missing payments can decrease your limits and rewards.

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.