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My Assuptions for 2026. Predicting good year for HSBC cards. Axis will continue its unpredictable behaviour. HDFC might inforce stricter regulations. Infinia-mild to moderate devaluations.(hoping there should not be any). ICICI might try to jump up its game in transfer partners.

Two days ago I ordered Amazon ICICI fastag, After reading this, I am worried. Lets see how it goes.

Ok. Good insight. Point noted.

Finally, someone from Marriott. @PrinceHeart your opinion is sound. One heads up though, I guess,most probably, I will never be able to achieve any status on night spend based criteria.

So, please roughly guide me. For 50K to 60K Accor points, can I make a descent 4 to 5 star international hotel redemption for one week? As a first trip, I want to go to Abudhabi, Qatar or Oman. Then later years,if possible, Japan, Europe, Thailand. This is fresh start, so I don't have any...

Yes. I agree, Accor makes more sense. But this value proposition will continue or not, thats my dilemma. Now eveyone is accor focussed, they might pull the plug anytime. @drsel @Vinay13 @nikhilesh71

Year 2026 is on the verge. And I am all excited to be part of Hotel chain. But I am confused to choose between Accor and Marriott. I am at a point where I have to make choice between the two, to be a loyalist of the one. First I will explain my current situation. My work is a busy schedule , I...

I am giving a shot to HSBC Premier rather than M4B. Lets see how it shape up.

Apart from Premier,is there a compulsion to have a salary account with them to get any other credit card?

For me,HSBC premier CC makes more sense. I dont have monthly spends of more than 1 lac/ month. I occassionally travel. Yearly also I dont have spends of 2-3 lacs in any months. So M4B doesn't make sense for me. I tried Axis Atlas, but they declined my application. So for me if I have to...

Same offer. But waiting for gold charge application to start.

Marriott transfer bonus is expected or not?

Great news. I will try to get Gold charge. Hopefully I will get.

How to get Bizblack if I am holding Infinia?Is it possible? I am self emplyed professional.

Get HDFC regalia gold as of now. Then climb up to Infinia slowly. I think you can try bizblack also. When Amex lifts application pause, get Plat travel(provided all things remain good). Personally I don't like Axis, very notoriuos for cards approvals. SBI Miles elite is also option, but earn...

Self emeplyed are not eligible for HSBC CC. Atleast they rejected me stating this. Axis Atlas has paused new apllications.

Is HSBC allowing Credit cards to Self employed doctors?

Yes. It does increase. But I am trading for reward points that I earn. Fir me it's ok to pay little extra .

Have you thought of Changing premium frequency to Quarterly. I guess, we can change before 7 days of premium renewal. Such way you can split payment and plan to stack up Apay properly and pay later. PS. My yearly premioum of all my combined insurence come around 3 lacs. I have changed all my...

I did applied for Atlas 14 days ago. But yesterday got message that card is declined due to internal policy. I am in serach of next alternative. Primary goal is travel card with milestones for regular spends(non acccelareted) for 5 to 7 lacs per year. Already have INFINIA, Amex plat travel...