• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

What card am I missing?

  • Thread starter Thread starter gabzvee
  • Start date Start date
  • Replies Replies 21
  • Views Views 644

gabzvee

TF Select
Hi guys,

This is quite a chill thread as compared to the usual ones I've posted here.
I wanted to know if my Credit card collection is enough from a practical pov or should I get a few more 😛

I have:
AMEX MRCC 2.3L
BoB Onecard 1.44L
APay ICICI 1L
SBI SimplyClick 55k
Yes Bank Finbooster (Bank bazaar Cobranded) 40k

Would it make sense to get an HDFC, IndusInd, Kotak, Axis, HSBC or any other card?
I've been getting the LTF IndusInd legend offer but I don't think it's worth it..
Was asking since different cards are useful for different sales and offers.

I have a 780 Cibil and salary approx 75k/m (So I don't qualify for the nicer Hdfc cards like Neu Infinity and Regalia Gold), should I try Millenia?

Or any other recommended cards that would be a good addition to the collection?
- I'm looking to use them on Sales, most spending is online, little offline restaurants, clothing and
 
Definitely get the HDFC Millennia card, as it will cover your utility payments with at least a 5% return, which is still decent.

(Utility payments as in buy amazon GV then pay through amazon)

And it works for sales too! So a win-win for you plus, it will open a door for you to Smartbuy portal.

You can easily get that card, your salary is more than enough.
 
Hi guys,

This is quite a chill thread as compared to the usual ones I've posted here.
I wanted to know if my Credit card collection is enough from a practical pov or should I get a few more 😛

I have:
AMEX MRCC 2.3L
BoB Onecard 1.44L
APay ICICI 1L
SBI SimplyClick 55k
Yes Bank Finbooster (Bank bazaar Cobranded) 40k

Would it make sense to get an HDFC, IndusInd, Kotak, Axis, HSBC or any other card?
I've been getting the LTF IndusInd legend offer but I don't think it's worth it..
Was asking since different cards are useful for different sales and offers.

I have a 780 Cibil and salary approx 75k/m (So I don't qualify for the nicer Hdfc cards like Neu Infinity and Regalia Gold), should I try Millenia?

Or any other recommended cards that would be a good addition to the collection?
- I'm looking to use them on Sales, most spending is online, little offline restaurants, clothing and
Try for SBI Cashback
 
Definitely get the HDFC Millennia card, as it will cover your utility payments with at least a 5% return, which is still decent.

(Utility payments as in buy amazon GV then pay through amazon)

And it works for sales too! So a win-win for you plus, it will open a door for you to Smartbuy portal.

You can easily get that card, your salary is more than enough.
Got it, was about to apply for it but heard rumours that if you get a Millennia then it's difficult to upgrade to Regalia/Regalia Gold...
 
Got it, was about to apply for it but heard rumours that if you get a Millennia then it's difficult to upgrade to Regalia/Regalia Gold...
I disagree, many people gradually upgrade to more premium cards over time. You can find multiple examples in the forum, and the most important thing is that money speaks the loudest.

Once you have a good credit limit (CL), you can seek upgrades. Btw, Regalia is trash (in my opinion), go for Regalia Gold if you ever decide to upgrade in the future.
 
I disagree, many people gradually upgrade to more premium cards over time. You can find multiple examples in the forum, and the most important thing is that money speaks the loudest.

Once you have a good credit limit (CL), you can seek upgrades. Btw, Regalia is trash (in my opinion), go for Regalia Gold if you ever decide to upgrade in the future.
Millennia over Tata Neu Plus?

Millennia LTF is possible? Whats the best way to apply?
 
Hi guys,

This is quite a chill thread as compared to the usual ones I've posted here.
I wanted to know if my Credit card collection is enough from a practical pov or should I get a few more 😛

I have:
AMEX MRCC 2.3L
BoB Onecard 1.44L
APay ICICI 1L
SBI SimplyClick 55k
Yes Bank Finbooster (Bank bazaar Cobranded) 40k

Would it make sense to get an HDFC, IndusInd, Kotak, Axis, HSBC or any other card?
I've been getting the LTF IndusInd legend offer but I don't think it's worth it..
Was asking since different cards are useful for different sales and offers.

I have a 780 Cibil and salary approx 75k/m (So I don't qualify for the nicer Hdfc cards like Neu Infinity and Regalia Gold), should I try Millenia?

Or any other recommended cards that would be a good addition to the collection?
- I'm looking to use them on Sales, most spending is online, little offline restaurants, clothing and
Try getting Axis Flipkart card.. good for axis offers and flipkart sales.. good starting card then gradually move up the chain in axis
 
Millennia over Tata Neu Plus?
Yes, because millennia is a core card of HDFC. If you take Tata Neu Plus first which is a cobranded card. Getting your hands on core hard will be a nightmare. Although, it's possible but not so easy.

Millennia LTF is possible? Whats the best way to apply?
I'm not sure about LTF. However, I would advice you to open an HDFC account, in which opt for Saving Max variant.

While applying for bank, mark yourself in "salary" category instead of "self-employed". After couple of months you will start getting pre-approved offers. Getting Millennia LTF is easiest from this way.
 
Go for HDFC Millennia or Tata Neu as many have suggested
Try for SBI Cashback or Axis Airtel for most of your online expenses and good offers from time to time
 
Definitely get the HDFC Millennia card, as it will cover your utility payments with at least a 5% return, which is still decent.

(Utility payments as in buy amazon GV then pay through amazon)

And it works for sales too! So a win-win for you plus, it will open a door for you to Smartbuy portal.

You can easily get that card, your salary is more than enough.
how exactly to do that i have milenia
 
Got it, was about to apply for it but heard rumours that if you get a Millennia then it's difficult to upgrade to Regalia/Regalia Gold...
it's the opposite. getting a core hdfc card (specifically millennia) and putting your spends on it is a good way to get regalia gold, even fyf sometimes
 
Yes, because millennia is a core card of HDFC. If you take Tata Neu Plus first which is a cobranded card. Getting your hands on core hard will be a nightmare. Although, it's possible but not so easy.


I'm not sure about LTF. However, I would advice you to open an HDFC account, in which opt for Saving Max variant.

While applying for bank, mark yourself in "salary" category instead of "self-employed". After couple of months you will start getting pre-approved offers. Getting Millennia LTF is easiest from this way.
Ok, maintaining one more Savings account sounds like a pain, I guess I'll apply directly on their website

Go for HDFC Millennia or Tata Neu as many have suggested
Try for SBI Cashback or Axis Airtel for most of your online expenses and good offers from time to time
Done, will apply for Millennia then!
With Axis, why Axis Airtel and not Flipkart or MyZone? (I rarely use Flipkart btw) Axis Airtel or Axis Flipkart will let me use all of the Axis-specific offers?

it's the opposite. getting a core hdfc card (specifically millennia) and putting your spends on it is a good way to get regalia gold, even fyf sometimes
Done deal!
 
Hi guys,

This is quite a chill thread as compared to the usual ones I've posted here.
I wanted to know if my Credit card collection is enough from a practical pov or should I get a few more 😛

I have:
AMEX MRCC 2.3L
BoB Onecard 1.44L
APay ICICI 1L
SBI SimplyClick 55k
Yes Bank Finbooster (Bank bazaar Cobranded) 40k

Would it make sense to get an HDFC, IndusInd, Kotak, Axis, HSBC or any other card?
I've been getting the LTF IndusInd legend offer but I don't think it's worth it..
Was asking since different cards are useful for different sales and offers.

I have a 780 Cibil and salary approx 75k/m (So I don't qualify for the nicer Hdfc cards like Neu Infinity and Regalia Gold), should I try Millenia?

Or any other recommended cards that would be a good addition to the collection?
- I'm looking to use them on Sales, most spending is online, little offline restaurants, clothing and
Try for HSBC CB(Live+) .May be worth to save in online/offline groceries ,restaurants, Sweet shops
 
Back
Top