Infinia metal, that’s the best out there.

Business Development Manager

Product Manager

Generalist

I use regalia but aspire to use black metal or infinia one day

Regalia has gone bad bro, it doesn't even have lounge benefits anymore. Change it up if you can, I switched to ICICI Sapphiro.

Software Developer

Finance Consultant

Get HDFC Diners Black or Infinia (if you are eligible)

Whats the eligibility criteria for Infinia?

Axis Magnus Burgundy, convert your salary account to Axis burgundy and get that credit card LTF.

Bruh, I got Burgundy, and was already holding Magnus (shit now). Even then they aren’t offering Magnus Burgundy (LTF).  
  
 How did you get yours?

You missed the train. It was LTF for a few months for Burgundy. 
 Now it is ₹35k + GST a year, no concessions to anyone

Software Engineer

I got a Citi card on my first job and kept it ever since. Change is such a pain. The bank changed its business strategy but I refused to change by Cc. 😂

Consultant

AMEX Platinum. Probably made a mistake though. They barely have anything in offers and if you want to stay somewhere, it's all 45k per night kinda places. Thinking of switching to Infinia.

Growth Manager

People earning 50l, why use a credit card would be apt question.  
 Howamy points do you think you can accumulate by eating out? And booking a few tickets a quarter?

It’s not just that, everything I spend on including Swiggy, Uber, Amazon, bigbasket, tickets etc gives me 5x points through the HDFC smartbuy platform. If you use a good card smartly it’s easy 10% savings on almost everything you do.

Investor

PS: I use infinia and the point redemption value is good so that obviously makes the biggest difference.

HDFC Infinia. The best out there unless you need a specific type of card (Travel, etc). Been using it for years, nothing beats the experience. Would still be nice to have movie tickets though.

Infinia, DCB, magnus burgundy. All 3 are good in that order

Strategy & Operations

I see my friends booking tickets and hotels using points. My credit card offers are so hidden in the app and nothing attractive

Welcome to Personal Finance's Private Community

People earning 50lpa+, which credit card do you use?

People earning 50lpa+, which credit card do you use?- Grapevine

I'm 24 and haven't started using a credit card yet. I don't even have one. Am I going right or wrong??

Credit card

Founder

I have HDFC regalia and I am planning to upgrade, looking out for suggestions.

Which credit card will be worth it when you are earning 40+ lpa?

Any suggestions on which credit card should I apply?

Data Analyst

We're curious about your payment preferences! Do you find yourself reaching for your credit card more often than cash or other payment methods? Share your thoughts and reasons below!

Do you use credit cards for most of your purchases?

Is there any expert here who can suggest things. I have a lot of areas of improvement. Investment, offers, banks etc. So if you're an expert in these topics please contact me or comment here.

I need a lot of help in finance.

Software Analyst

Spend around 10k on flights, 10k on dining out+swiggy, utility bills around 5k, shopping around 10k. Good credit card recos. I would love to get flight redemption points.

Credit Card Recos Grapeviners

Quantitative Research

Considering the ongoing devaluation of credit cards across the banks which one is the best?

Which credit card do you use?

Thread to discuss credit cards what all basic, specific and premium cards you hold and what are your credit limit on that card.

Credit Card Mega Thread: Which Credit Cards do you have and What are the Limits?

Looking to get 2 different credit cards.

What would be a good credit card 

1.) for grocery/swiggy/retail spend ?

2.) for Travel points (Not a big fan of lounge access) the ones that yield maximum points or complimentary tickets help.

TIA

Best credit card to have at a good yearly fee

Please tell good credit cards for the above criteria, if y’all suggesting hdfc, which one in it?

Credit cards for someone with ~1lakh income

Always wondered how it happens
Have been using credit cards for some time, never found as much in rewards. What can a novice change in his cards?

Folks who say they get free flight tickets from credit cards, how do you do it?

There are certain cards which help you get free tickets(not entirely free though) 
  
 Most famous ones are Vistara cobranded cards. 
 Eg Sbi Vistara Prime Card 
  
 You get the card at annual fees of Rs3500 
 With this you get 1 Vistara Premium Economy Ticket which would easily cost 8-10K INR if you were to book by paying 
  
 Additionally you get more Premium Economy tickets each time you hit a spend milestone. 
  
 1.5lakh spends in a year - 1 more ticket 
 3lakh - another ticket 
 4.5 Lakh- another ticket 
 8 Lakh - another ticket 
  
 In addition you get 1 upgrade voucher using which you can upgrade your ticket from category X to category Y. This is via the Vistara Silver Tier Membership which is complimentary with the card. It also gives 5kg addition baggage allowance 
  
 There are more such cards in market like idfc vistara, axis vistara (business class variant as well)

Corporate Strategist

I currently have these cards:
1. OneCard(mainly for their partner offers)
2. Amazon Pay ICICI(for payments on Amazon and bill payments)
3. Axis Vistara Platinum(I use this for most payments to meet milestone benefits for flight vouchers)
4. IDFC First Wealth(Mainly because it is lifetime free, offers good lounge benefit, 1.25% cashback on online spends and BOGO on Paytm movies)

My main problem is with Axis Vistara. Insurance payments now can't be used for fulfilling milestone benefits but a good chunk of my spends are for insurance.

Please suggest a good credit card for Rs. 4L yearly spends. I'm mainly looking for airline benefits.

Need Credit Card Suggestion

I was checking my credit card rewards and realised that HDFC gives 4 points for every Rs150 spent. 

Now I have a decent amount of credit card expenses every month but the majority of my transactions are less than 150. I spend a lot buying snacks, soft drinks and energy drinks from a shell store near my office. 

Is there a way like using any buy now pay later product and then pay that from my credit card?
Or 
Is there any credit card which can give a similar level of benefits and also account for small transactions as well? 

Additional question: How is the Rupay or one credit card?

Credit card suggestions

Data engineer

Anybody got a LTF (life time free) card in last 1 year? Please share your journey? Any other high-end popular LTF card?

People earning 50lpa+, which credit card do you use?

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