I have HDFC regalia and I am planning to upgrade, looking out for suggestions.
Axis Magnus
Other than the income criteria, is it still a good option if monthly spend is not more than a 1 lac? Rent payments are now excluded from earning rewards point( correct me if I have wrong understanding).
I am evaluating it for myself and I don't see myself regularly spending more than a lac regularly. It may happen once or twice in a year
No rent is still in. Hitting one lac regardless. The amount of points that stack up is nuts. Really good conversion. Combine with cheq and miles and you really can't get a better deal right now.
Axis Reserve
HDFC Infinia
Amex Card equivalent to the above 2
Don't get Amex, I have it. Half the stores don't accept it. Just good for online shopping
Well then at 40LPA + I think Reserve is a better and achievable compared to the Magnus. I have a Magnus and love the reward system. Grabdeal bonuses make normal shopping better too.
Is HDFC regalia even worth it? I have it and tbh, I end up reaching out for my Axis Flipkart all the time purely cause it gives me 1.5% cashback
It's called No Credit Card ... You got good income focus on saving more than spending ... As humans we make mistakes if we have too many resources for some weird reason ... Let me walk you through a Limus Test ...
Now If you are the person who will pass on thoughts and would not buy in that case...buy any credit card you are getting every credit card is becoming the same thing ..
But if you are latter ... Do not get one ...
Just my take ... 😜
Haa bhai weekdays mai kaam kare paise kamaye aur usko kabhi use bhi na kare ye sochke ki future mai use aayega. Live and let die
Lol .. bhai just my take ... Ofcourse it's your money do what makes you happy.. Credit Cards are more like responsibility than cash available to spend that's all what I wanted to say 😊
I don't have a credit card had one.. even when I was responsible with it but still bought few things which I should have not ...
So for me probably would not get a CC
It’s infinia, that’s all you need!
Could you say it's advantages? The reward system looks very poor
The reward system is the best- 15% on Amazon, Apple etc. 1 RP = 1 Rs on Apple, Tanishq, flights, hotels Welcome and renewal benefits would make your card basically free. In what world is reward system poor? Tell me one card that’s better than this, given spends are < 1 lakh per month
Guys, help me decide a really good credit card between hdfc and icici.
I targeted for regalia, but they won't give it. They are trying to upsell millenia and saying they will upgrade it later based on my spending etc. I haven't checked ...
I got a call from HDFC regarding a credit card. It could be either Regalia Gold LTF or Diner's club Black LTF.
My needs: Just the upcoming Flipkart big billion / Amazon great Indian festival deals. I might do upto 5k per month for groce...
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