This is my first credit card, and it is just 2 statements(months) old, both paid in full before due date.
I get invited to tech conferences frequently, so I do international flight bookings almost every month or two. However, as I get reimbursed the money at the conference, I'm good.
So, due to that and my international usage, my credit usage was pretty high for both the bill cycles [45% and 52%].
I think I would benefit better from a card with better points conversion. My current card is HDFC' Regalia First. I want to ask for a HDFC Regalia. Is it a good idea to ask them now? Or should I wait for 6 months?