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Which is better Card Rubyx or MMT Signature
- Thread starter mnh007786
- Start date
- Replies 23
- Views 4K
If your current card is LTF, then don't upgrade
I think Rubyx isn't that good that we should pay for it. MMT Signature is the best deal in my opinion. Pay only once and get Visa Signature card with complimentary domestic & international lounge access.
What is the current card that you are upgrading from?
If you hold an account with ICICI, just maintain a good NRV, you should receive better upgrade offers including LTF cards.
If you hold an account with ICICI, just maintain a good NRV, you should receive better upgrade offers including LTF cards.
mnh007786
TF Buzz
I have upgrading offer in HPCL Super Saver Card. And I have also Amazon ICICI Credit Card.
I have a Sole Proprietorship Current Account.
Talk to your RM if he/she on the best card that they can offer you as LTF.
Patil007
TF Legend
I also have upgrade offer.
I have currently ICICI HPCL Coral LTF card which is my first credit card and using since 2016,
So, my question is If I upgrade it to MMT then, will my credit history gets affected? or new card MMT will have start date as 2016 only on card?
Is MMT eligible for ICICI instant discount offers?
If you upgrade your card, it will show the same opening date as previous one. Also, except Apay card, every other ICICI Card is eligible for ICICI Discount offers. So you can go ahead with MMT.
MMT Plat is a good card... you will get 1 domestic lounge access per quarter if you spend Rs.5000 in previous quarter + 1 railway lounge access per quarter..
and the card is basically free as you get 500 MMT Cash which can be used for any bookings via MMT
Lakshya Mahani
TF Ace
Can i use the 500rs balance in train tickets also?
Batmanbaba
TF Legend
If u have a good money moving current account or salary account... U can push for ltf rubyx... Else take mmt signature..... Just pay the joining fees....
Both have their pros and cons. For MMT signature, the pro is cashback once you pay the fee(this was the case 3 years ago, please verify) which you can use in MMT website. The con is it's a co-branded card. May not be eligible for ICICI offers at certain places(usually Amazon Pay cc is notorious for this).
I'd say go for MMT Signature only. It's LTF(with joining fee) and so far I haven't read about it's rejection just for being a co-branded card.
Please make sure it's 'MMT Signature' and not 'MMT Platinum'
As mentioned here, you can push for Rubyx LTF. Or if you have a take home salary of ₹1L per month, Rubyx is LTF by default
SpiesCan'tCatchMe
TF Legend
Nope no railway booking allowed with mmt cash
I dont think so, it can be used for Hotel/Flights afaik.... (Aah Niketan also said the same thing)
I dont think MMT Platinum is not eligible for offers...
Only Apay is rejected and that too only on Amazon (On flipkart or other stores, should work just fine)...
SpiesCan'tCatchMe
TF Legend
Flipkart doesn't give card discount on Amazon card during sales
MMT Platinum has only one domestic airport lounge access per quarter, compared to Signature and Rubyx, which have two. Hence my suggestion.
My friend's Apay ICICI cc was rejected in Croma as well(the offer was 10% off on all products for ICICI CCs above ₹10k/-). He had to borrow my Coral for the same.
Also we get Dreamfolks card with MMT Signature which provides 1 complimentary international lounge & spa session per year.
ohh... I thought only Amazon blocked Apay cards during offers/sales.... good to know that even offers are blocked on Flipkart
Thanks for the info... it seems all companies block Apay card when they have offers....
Total waste of 2500 for that 1 international lounge access per year + spa when I know that anyone can get Regalia/DCP as LTF which would give 12 domestic + 6 international lounge access via PP
Idk what most of the guys say, but MMT Signature card is utter sh*t and no one should get that unless given free.... MMT Plat is good because its technically free..
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