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jatinkrmalik

jatinkrmalik

TF Select
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Update: Here's my updated cc portfolio ‼️


We can't really have a forum without allowing members to share their credit card portfolios and talk about their favourite credit card. 😎

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I will go first, here's my collection, from least used to most used.

Slice Pay card
Amazon Pay ICICI bank card
Citi Cashback card
IDFC First Select card
AMEX Membership Rewards card
HDFC Diners Club Black card
Onecard Metal card
Axis Magnus card

cards.jpeg
 
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anirbanm said:
Some Indusind CC has 2.2L as joining charge. Some CC has 90K (some Indusind CC) and of course 50K (Axis, probably Magnus).
Click to expand...
Actually Indusind is not being considered in the Top Players in India.
It is always ICICI, HDFC, SBI, Axis and some other private players so I really don't about them very well.
 
anirbanm said:
Ah, that's great!

4000 might not be a huge amount, but it's kind of a mental satisfaction to get such a CC converted to LTF.
Click to expand...
I do agree, for me even 400 is an amount I would not like to pay to any bank to use their Credit Cards either in Premium or Super Premium Category.
I would like to use my 10+ years of Payment History instead.
But yes off course it is a kind of mental satisfaction to ultimately convince them to make my existing card to a LTF which is a Super Premium category card according to them.
 
anirbanm said:
That might be true ... But as some here told ... I feel Indusind is kinda like 'paisa feko maze dekho' kinda 😂 ... Whatever that means as in cards with such high joining fees etc.

Who really knows why Indusind CCs are not that popular like ICICI, HDFC, Axis, SBI etc.
Click to expand...
Mostly because of the offers.
How many times you have seen in Amazon Great Indian Sales & Flipkart Big Billion Days 10%-15% instant discount has been offered in Indusind CC's??
It is always SBI, Axis, ICICI or HDFC & Citi sometimes. 90% game is restricted between them, 10% for the rest.
 
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anirbanm said:
That might be true ... But as some here told ... I feel Indusind is kinda like 'paisa feko maze dekho' kinda 😂 ... Whatever that means as in cards with such high joining fees etc.

Who really knows why Indusind CCs are not that popular like ICICI, HDFC, Axis, SBI etc.
Click to expand...
Indusind has terrible customer support too, even their premium card services are dodgy, they also recently downgraded lot of their cards. I feel what indusind does is make big promises but deliver very little. See CC users in India are unlike US, here it's less than top 1%, this top 1% is also very picky.

Unless you are card collector like people here, you will very likely not get to point where Indusind is there in pocket. More or less, indusind fails to attract both premium customers as well as average ones. Banks like HDFC, Axis and even SBI does that very well. I also feel if ICICI had not launched amazon pay, they were in danger of getting wiped in CC business too. Axis made far too much progress.
 
AllSeeker said:
Indusind has terrible customer support too, even their premium card services are dodgy, they also recently downgraded lot of their cards. I feel what indusind does is make big promises but deliver very little. See CC users in India are unlike US, here it's less than top 1%, this top 1% is also very picky.

Unless you are card collector like people here, you will very likely not get to point where Indusind is there in pocket. More or less, indusind fails to attract both premium customers as well as average ones. Banks like HDFC, Axis and even SBI does that very well. I also feel if ICICI had not launched amazon pay, they were in danger of getting wiped in CC business too. Axis made far too much progress.
Click to expand...
ICICI is too much strict while issuing Credit Cards, specifically for their GemStone Collection. I don't know what they think of themselves while doing some annual charges weaver or raising a dispute. Also the Customer care people are too much arrogant while serving us.

All these reasons are pulling the Credit Card business down together. And yes, if Amazon Pay hadn't been happened, they would have in real danger of wiping out from the game.
 
garvit3692 said:
Just followed a simple trick , which is only applicable on SBI 😂 , and i never got any pre-approved offer LE and i never gave any income doc. For limit increase.
Click to expand...
Dear Garvit, Plz share the trick with everyone, so that same can be helpful for all community members, or you can choose to DM me 🙂
 
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