My Credit Card Portfolio for 2025 - Query & Discussion

[Kabir_1112]

How are you able to hold so many premium CCs from multiple banks? Dont they all require TRV or salary?

I think only emeralde, magnus, Dcb might be considered premium? But in terms of rewards emeralde is giving poor return and magnus is also not attractive anymore.

 

[abhiaj_geek]

I think only emeralde, magnus, Dcb might be considered premium? But in terms of rewards emeralde is giving poor return and magnus is also not attractive anymore.

Right, if I think about it, it’s not that difficult. Once we get DCB, we can shift to ICICI and get emeralde. Then shift to Axis or get Magnus based on RV.

 

[Vinay13]

Axis M4B is good considering your high spends..Reward rate shoot up above 1.5L. Axis Atlas is good but both Magnus and atlas has monthly limit. and limit on transferring to accor also. Best redemption option for you is Accor. Axis Olympus for forex is good.
Use DCB for Smartbuy vouchers only.
Can upgrade to amex charge as it will benefit for travel insurance, international spends , elite memberships.
Overall I think you should get 10-12% on 40L of spend

 

[Kabir_1112]

Axis M4B is good considering your high spends..Reward rate shoot up above 1.5L. Axis Atlas is good but both Magnus and atlas has monthly limit. and limit on transferring to accor also. Best redemption option for you is Accor. Axis Olympus for forex is good.
Use DCB for Smartbuy vouchers only.
Can upgrade to amex charge as it will benefit for travel insurance, international spends , elite memberships.
Overall I think you should get 10-12% on 40L of spend

Smartbuy using Dcb has limit for monthly spend? Magnus I might close in coming months as my renewal is coming in June 2025. And upgrade my Horizon to Atlas.

 

[Vinay13]

Smartbuy using Dcb has limit for monthly spend? Magnus I might close in coming months as my renewal is coming in June 2025. And upgrade my Horizon to Atlas.

Yes smartbuy with DCB has 10k point per month limit. upgrade horizon to Olympus (Olumpus is diffucult to get card ) ...take atlas separate. consider magnus for burgundy. And I hope you spends are not business related.

 

[Vinay13]

I would say forget about HSBC premier /ICICI emerald..both have RR of 3% which is shit. Use amex for rent/fuel/insurance

 

[abhiaj_geek]

Smartbuy using Dcb has limit for monthly spend? Magnus I might close in coming months as my renewal is coming in June 2025. And upgrade my Horizon to Atlas.

Yes smartbuy with DCB has 10k point per month limit. upgrade horizon to Olympus (Olumpus is diffucult to get card ) ...take atlas separate. consider magnus for burgundy. And I hope you spends are not business related.

He has DCB pvc which has daily 2500 limit and monthly 7500 limit. Paltry limits.

 

[Kabir_1112]

Yes smartbuy with DCB has 10k point per month limit. upgrade horizon to Olympus (Olumpus is diffucult to get card ) ...take atlas separate. consider magnus for burgundy. And I hope you spends are not business related.

Olympus I asked today with the Axis bank executive and they denied that they are not issuing it for the moment.

 

[Kabir_1112]

I would say forget about HSBC premier /ICICI emerald..both have RR of 3% which is shit. Use amex for rent/fuel/insurance

ICICI emeralde does have a poor reward system really, but only reason I'm holding it is because of good credit limit and 8+ years relation with ICICI bank. HSBC Premier I'm not sure because I did not check what this card offers.

 

[Vinay13]

Olympus I asked today with the Axis bank executive and they denied that they are not issuing it for the moment.

it available for citi bank customers ..upgrade your horizon to olympus.

 

[abhiaj_geek]

ICICI emeralde does have a poor reward system really, but only reason I'm holding it is because of good credit limit and 8+ years relation with ICICI bank. HSBC Premier I'm not sure because I did not check what this card offers.

Emeralde or Emeralde Private

 

[Kabir_1112]

Emeralde or Emeralde Private

Emeralde plastic. I did not check upgrade option for Emeralde private before. I came to know about Emeralde private recently.

 

[Kabir_1112]

I'm really confused if given an option should I go for Infinia or continue with Diners black plastic LTF??

 

[abhiaj_geek]

I'm really confused if given an option should I go for Infinia or continue with Diners black plastic LTF??

Best option is to go for EPM. But that is really hard to get.
You can upgrade to infinia in most cases. Given you have dcb, it means you earn well. And most likely your earning and spends are both going to increase in future, especially after marriage. Spends easily cross 7-8Lpa for an upper middle class life once you get married and live in a big city.

 

[Kabir_1112]

I'm really confused if given an option should I go for Infinia or continue with Diners black plastic LTF??

Can try for spend of over 8 lacs in 6 months. If this is done. Should I ask for Infinia upgrade or continue With DCB PVC LTF??

 

[Kabir_1112]

Cancel:
ICICI Emeralde (if not LTF)
SBI Vistara Prime
SC Ultimate
Axis Magnus
Axis Horizon
Axis Miles and More
Amex Reserve

Upgrade any Axis Card to Axis Atlas.

Spend 4lk on Amex Plat Travel (spends which do not get rewarded on any of your other cards)

Route all of your Gyftr/Utilities spends through HDFC DCB. And foreign spends via the DCB through Global Value Program

All of your other spends on Axis Atlas

The perfect 3 Card collection. Might also add Axis Neo/MyZone as a LTF UPI card if you need one.

Amex MRCC is also something you can consider for 20k every month.

In the future you could also consider Axis Olympus for your forex spends.

Cancel:
ICICI Emeralde (if not LTF)
SBI Vistara Prime
SC Ultimate
Axis Magnus
Axis Horizon
Axis Miles and More
Amex Reserve

Upgrade any Axis Card to Axis Atlas.

Spend 4lk on Amex Plat Travel (spends which do not get rewarded on any of your other cards)

Route all of your Gyftr/Utilities spends through HDFC DCB. And foreign spends via the DCB through Global Value Program

All of your other spends on Axis Atlas

The perfect 3 Card collection. Might also add Axis Neo/MyZone as a LTF UPI card if you need one.

Amex MRCC is also something you can consider for 20k every month.

In the future you could also consider Axis Olympus for your forex spends.

Have closed SC ultimate and Sbi vistara prime.
Icici emeralde pvc have spent almost 8 lakh in 5 months but they are not replying to me for Emeralde private(applied via RM 1 month back and they are saying it takes time for approval) and also not providing me LTF for pvc.
Axis magnus I'm planning to cancel this year before renewal in Nov 25 and same for Amex platinum reserve.

 

[Kabir_1112]

Axis M4B is good considering your high spends..Reward rate shoot up above 1.5L. Axis Atlas is good but both Magnus and atlas has monthly limit. and limit on transferring to accor also. Best redemption option for you is Accor. Axis Olympus for forex is good.
Use DCB for Smartbuy vouchers only.
Can upgrade to amex charge as it will benefit for travel insurance, international spends , elite memberships.
Overall I think you should get 10-12% on 40L of spend

I checked for Axis M4B it needs an account and minimum TRV and then only can apply for it. Planning to close Axis Magnus in Nov this year before renewal or asking them to close Magnus and give me Atlas in exchange. Recently closed SC ultimate and Sbi Vistara Prime and very soon will be closing Amex platinum reserve too.
Still confused if I should continue with DCB plastic LTF or ask for Infinia upgrade as DCB has lounge access without additional requirement of priority pass and also it's LTF. I can ask for Infinia upgrade via email based on spending requirement.

 

[Kabir_1112]

it available for citi bank customers ..upgrade your horizon to olympus.

Not possible for Olympus as they are not interested to give this card I guess instead of horizon. They can only give me Atlas instead of Horizon.
I did not go ahead with Infinia as my spend on Smartbuy is not much and my Diners Black plastic is LTF.
Magnus and Amex reserve I have closed and now mostly using 3 cards for most of my spends [Diners Black plastic, emeralde plastic and Horizon]