Good to know. Heard about 60L limit on ICICI credit card for the first time (non charge).
More than 20L spends will get you 35k worth of vouchers (Taj, Luxe, Postcard hotels) on renewal fees payment. For 35L you can call and negotiate for more. You can call anytime, but better to call before...
Has anyone used Freecharge for 60-70K+ value transactions? I used for 3k today and it worked fine, but I have upcoming bills of 2-3L towards end of month
Short answer - No. No is also due to the fact that you are asking this question
Detailed answer - depends on your smartbuy voucher usage it is 5x on Infinia vs 3x on DCB... do the math yourself and you will get answer. Also limit of Infinia smartbuy is higher
Other considerations - Infinia...
Why do you want to avoid Infinia? It is the best card for these spends you have mentioned
Do both spends on Infinia … single spend on gold and 2.5l split into 1.5 and 1 for Insurance
Other good option is Amex Plat Travel which u don't have
Agree with @Anindya98 - There are people with 40-50K MAB and earning 50K points per month via DC cc bill pay... lot of times, they pay cc bills of friends relatives etc. to reach close to 50k per month points.
Bank is not wrong in blocking such users to be honest. Demanding ITRs is fine, since...
080 T1 at Bangalore accepts Infinia... I use it every time...
If you have doubts, please check dreamfolks web access by adding Infinia and lounge will show up...
Yes jumping to conclusions without verifying
Atlas has 2 extra exclusions ... Insurance and Jewellery... Rest all exclusions are same.
IDFC DC is good suggestion, especially wealth DC... however IDFC CCs are only noise, not much use
First year on Atlas is 8 international lounge visits irrespective of spends.... second year onwards it is 8 if spends cross 7.5. Below 7.5 it is 4 visits
Atlas has guest access... It is actually better card for guest access.. In the initial years, Atlas offers 8 international lounge accesses, which effectively makes 4 guest access if you travel 4 times, or even 7 guess access if you travel once. Magnus also has only 4 guest accesses
Infinia is...
Don't depend on any guides... pls do your research by searching Axis Axis Atlas on this forum and visiting the threads. Also you can refer to some latest youtube videos from channels such as spendwisely, cardacademy etc.
In general, use card everywhere to get 4% mile returns ... use on direct...
Except Infinia, most of other cards you have are little useless, may be with exception of Amazon Pay and FK Axis (both of which can be replaced by SBI Cashback)
Axis Atlas is definitely one card that will fit your goals, along with it Amex Plat Travel is good (not the trifecta... I personally...