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Something that struck me as odd is that 'Education' spends are rewarded with EM for the Axis Atlas card. The Horizon card (roughly a level below Atlas) and the Olympus card (a level above Atlas) both have 'Education' spends on their exclusions list. This seems strange - particularly given the...

I searched but can't find a thread on the first point: 1. Is Infinia or Atlas better for points to be transferred to Krisflyer? I am guessing that Infinia will win if the points are through SmartBuy and the Atlas will win otherwise - is this correct? 2. What is a good way to divide up spends...

Based on advice here and elsewhere, I applied for and received the Atlas card yesterday (perhaps with a day to spare if applications are actually closing). I got the Atlas because I can clearly put 7.5 L on it in a year (if I make it my main card and include EDU spends which are 'counted') but...

Axis seems to have the following policy: if you receive a new credit card from them, you must wait 90 days before applying for another one (and a 3-card limit in total). I know this is true from my netbanking account (and phone-banking as well). Question: does the cooling off period apply to...

Hello all I have an Infinia and am looking for help/advice whether to use just that or add an Axis Atlas card: I have about 12-15L of spends in 1 year. I spend about 2L on smartbuy-gyftr vouchers each year (but could/should 'up' it to 3L). That leaves ~9L of non-accelerated spends which is...

I am considering getting the Axis Atlas card - to generate travel points for a family trip in a year or so (uncertain where, when and how). My understanding is that Atlas 'accelerated reward points' come from hotel stays or airline tickets. I don't do too much of either - stays are rare and...

I have an Infinia which I use for most spends (online, offline & Gyftr vouchers). For the offline part - including school fees etc - I am thinking of adding a second card, one focused on travel rewards. I am confused between the Axis Atlas and Amex Plat travel (when Amex re-opens). My confusion...

I buy a (mandatory) Amazon 10K voucher each month from Gyftr using my Infinia card. I now realize that I may not be using Gyftr enough... For example, there are Swiggy & Zomato vouchers on Gyftr which I don't buy - this is because I hold a few LTF cards that give 'cash' discounts on these apps...

I'm new to RuPay & HDFC Tata-Neu cards. I shop on BigBasket so the Rs. 1500 voucher from Gyftr using Infinia is obviously a good thing to use. After the 1500 cap is where I am confused: (1) buy Amazon vouchers from Gyftr and then use these vouchers to buy a BigBasket gift certificate from...

I currently have a couple of Axis LTF cards (Neo, MyZone), a LTF Amazon ICICI card, an AMEX MRCC and a HDFC Infinia plastic (paid) card. The Infinia is my main card. I applied for the MRCC in 2023 and was using it exclusively for Amazon vouchers (4 x 1500) each month. With the recent...

Is anyone aware of whether HDFC plans to introduce ITC as a partner for points transfer? With the Magnus devaluation, it would be very helpful if HDFC points could be transferred to ITC. I am also interested in transfer to Bonvoy - but not interested in the new HDFC-Marriott card so I am hoping...

i rarely spend in USD using my credit card. i have a few purchases to make on amazon.com (to ship within the united states). Between a magnus, infinia and scb ultimate, which would be the best card for this purpose? (these purchases do not affect my meeting the magnus milestone). from my...

I searched the forum but could not find this information. I have an Ultimate card (for the past 6 months) but no bank-account with SC. I wish to close the card account but cannot see such an option on their mobile app or netbanking site. How do I close down the card account? (I hope a branch...

Question as a relatively new user: I used the Ultimate card for Rs. 3000 petrol at a HP/BP pump and was charged ~Rs. 3030 - I assumed this was the fuel surcharge. Today, I purchased Rs. 3000 petrol at an IOCL pump and was charged exactly Rs. 3000. Could someone please explain this apparent...

I have never flown internationally using credit-card points. I usually fly either Lufthansa or Emirates and since I am new to airmiles-through-points, I was hoping for some advice. I know that HDFC cards allow points transfer to KrisFlyer - which I understand is Singapore airlines. (1) Can I...

I realize this is a comparison between an entry level card and a premium card but I am confused I recently got the SCB Ultimate card. So far, I have used the Axis Ace for utilities at 5% and at 2% for offline spends. I do not want two paid Visa cards. If I were to give-up the Axis Ace card...

I am new to this informative forum. I request advice. I have a HDFC account with a paid DCB with a CL of 8L and spends of about 7L in the last 7 months. I asked HDFC (Priority.Redressal) for some options and they offer (1) a LTF DCB (under an ongoing 'alumnus offer') or (2) a FYF Metal...