Advise for a new credit card!

[dinersblackpro]

Hi everyone. Looking for advice for a new credit card? I have:


Diners black - 25 lakhs limit.


Axis Magnus and Vistara - combined limit of 4.5 lakhs


SBI air india - closed it today as too many issues with transferring reward points to air india


RBL - 4.5 lakhs limit. Stopped using after devaluation


Amex platinum charge - don’t use it much as reward rate isn’t great.

My issue is diners black isn’t accepted everywhere (BharatNxt for instance) so I’m always maxed out on the Magnus.

I need another visa/mastercard that will come with a high limit. SBI Air India is a rewarding card but its not worth the hassle of dealing with SBI cards.

Any card I’m missing that you would recommend?

Many thanks!

 

[WhoU]

Upgrading diners to Infinia or getting LE on Magnus can be considered.

 

[beingmohit]

If you need another card (i.e, you cannot upgrade your DCB, or increase limits on your Axis cards), you can go with Amex Plat Travel, or SCB Ultimate. You can even check out the SBI Vistara cards.

 

[phagocyte536]

with 25L limit you should really push for an infinia upgrade, threaten to close DCB - they might budge

You can consider reserve but not sure what kind of limits they provide

 

[dinersblackpro]

I don't see an issue in converting to Infinia.. I actually like DCB for its monthly benefit and annual benefits.
Reserve the problem will be the shared limit with the other Axis cards.
Ive burned my hands with SBI so not going back to them.

 

[beingmohit]

I don't see an issue in converting to Infinia.. I actually like DCB for its monthly benefit and annual benefits.
Reserve the problem will be the shared limit with the other Axis cards.
Ive burned my hands with SBI so not going back to them.

I don't think the limit of Reserve should be shared. I had 2 Axis cards with separate limits when I applied for Magnus. Now, I have three of them, each with its own individual limit.

 

[phagocyte536]

I don't see an issue in converting to Infinia.. I actually like DCB for its monthly benefit and annual benefits.
Reserve the problem will be the shared limit with the other Axis cards.
Ive burned my hands with SBI so not going back to them.

Infinia has higher reward rate for smartbuy travel booking, vouchers etc. They will more than compensate the DCB's monthly and annual benefit.
Also you never know, maybe the rumoured galaxia upgrade will be easy if u shift

 

[dinersblackpro]

I don't think the limit of Reserve should be shared. I had 2 Axis cards with separate limits when I applied for Magnus. Now, I have three of them, each with its own individual limit.

Its shared for me and Ive fought my battles with Axis on this. I had independent limits and then once I got Magnus they combined them all.

 

[dinersblackpro]

Infinia has higher reward rate for smartbuy travel booking, vouchers etc. They will more than compensate the DCB's monthly and annual benefit.
Also you never know, maybe the rumoured galaxia upgrade will be easy if u shift

Maybe Infinia it is!

 

[anirban.choudhuryanirban.choudhury is verified member.]

Axis Reserve if the annual charges are fine as you already hold plat charge
otherwise upgrade to Infinnia
Is your DCB LTF ?

 

[dinersblackpro]

Annual charges are fine but I dont have too many foreign transactions, so does Reserve make sense then or is it as good as Magnus?

DCB is lifetime free. I don't mind paying annual fees as the rewards far outweigh any charges - even for Plat Charge.

 

[anirban.choudhuryanirban.choudhury is verified member.]

Annual charges are fine but I dont have too many foreign transactions, so does Reserve make sense then or is it as good as Magnus?

DCB is lifetime free. I don't mind paying annual fees as the rewards far outweigh any charges - even for Plat Charge.

Yeah even without forex spends reseve seems good , as the base reward is higher than Magnus so accelerated points on gyftr and grabdeals is also higher , plus you get other card features as well like separate PP for add-on , golf benefits , 2 nights stay plus with accor membership , extra airport meet & greet with luxury chauffeur airport pick and drop

 

[gurubhai]

Infinia has higher reward rate for smartbuy travel booking, vouchers etc.

Travel is same. Only Instant Vouchers/Apple imagine and FK.
Refer https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=