Bank Account for getting credit card offer by maintaing MAB?

[Anonymous_]

I opened a Kotak 811 full KYC account and maintained more than 50K MAB for 1 year and they offered me lifetime free credit card. Earlier I had no credit history. So my question for experts here is does this method work in other banks and if yes what bank I should go for next? Thanks in advance.

 

[suhailmz]

Yeah currently holding 11 cards out of which 10 are LTF and only 1 is paid which is axis ace

Wow, what all LTF do you hold? Mind sharing?

 

[Parag]

Yeah currently holding 11 cards out of which 10 are LTF and only 1 is paid which is axis ace

Please share your ltf card portfolio.

 

[RajBlr]

Aur leke kya karega re baba
Yeh sab bhi kachra hi hai ek bhi kaam ka nahi hai.
Abhi sirf coral ka upgrade mila toh hi lunga woh bhi LTF

Warna filhal toh dusre banks ko loot raha 😬

True, after Magnus

My Infinia is in rest and comes back alive once in a while (add-on is being used)
Kotak being used for their Quarterly rewards of 1600payback for 1000x3months in a Quarter
Citibank and Myzone AXIS LTF for Swiggy discounts
Legend RIP, already, will swipe-in when the not used message comes in after 3months


But what is in ICICI Coral though? I see some Spa and haircut benefits or so in one of their top-end cards

 

[TheTrickySid]

Wow, what all LTF do you hold? Mind sharing?

Please share your ltf card portfolio.

 

[TheTrickySid]

But what is in ICICI Coral though? I see some Spa and haircut benefits or so in one of their top-end cards

Nothing special, I just need coral/rubyx for railway lounge access.

 

[RajBlr]

Nothing special, I just need coral/rubyx for railway lounge access.

Gotcha

 

[Anonymous_]

I am going for HDFC Savings Max, this bank has very positive reviews everywhere. Read lots of threads but can't come to a conclusion on which DC though - Easyshop Platinum or Millennia. My CC bills are not that much so inclined towards Millennia for cashback on wallet loading and Smartbuy Amazon. Would that be right decision?

 

[Strange]

I really have no idea just maintained some decent balance with frequent transactions.
Account was opened in June-22 last week and got pre approved offer in 10th October-22.
And this is how my current ICICI portfolio looks like after 3 months.
View attachment 8924

How did you get HPCL Coral as LTF?

 

[Patil007]

I really have no idea just maintained some decent balance with frequent transactions.
Account was opened in June-22 last week and got pre approved offer in 10th October-22.
And this is how my current ICICI portfolio looks like after 3 months.
View attachment 8924

If you have HPCL Coral LTF then Platinum if of no use, you can close that.

 

[TheTrickySid]

How did you get HPCL Coral as LTF?

Pre approved offer

 

[TheTrickySid]

If you have HPCL Coral LTF then Platinum if of no use, you can close that.

Ya ik that platinum is of no use, it's only for sake of collection and adding a LTF card in the list.

Also I've seen platinum and apay getting more frequent LE than other card, this also is the reason for not closing platinum.

 

[Patil007]

Ya ik that platinum is of no use, it's only for sake of collection and adding a LTF card in the list.

Also I've seen platinum and apay getting more frequent LE than other card, this also is the reason for not closing platinum.

If LE offers are there and if it is old card then better to keep to apply other cards using C2C.

 

[Strange]

Pre approved offer

So, this is your first card?

 

[TheTrickySid]

So, this is your first card?

Yes, got on 10 oct 2022

 

[TheTrickySid]

If LE offers are there and if it is old card then better to keep to apply other cards using C2C.

Obviously I will never close LTF card's 😁

 

[bbiswas]

What's the mab you maintain

i have normal 10k variant account and I maintain almost 30k.

 

[bbiswas]

I really have no idea just maintained some decent balance with frequent transactions.
Account was opened in June-22 last week and got pre approved offer in 10th October-22.
And this is how my current ICICI portfolio looks like after 3 months.
View attachment 8924

You have such a lucky person...I just want platium cc only a 10k limit and My RM told me that you need 1.20 lakhs CC limit for the C2C application. I have 1.10 lakhs SBI CC 1 year old. I have no idea How to get ICICI CC in C2C basis?

 

[bbiswas]

What's the mab you maintain

around 30k

 

[Bhushan]

Ya ik that platinum is of no use, it's only for sake of collection and adding a LTF card in the list.

Also I've seen platinum and apay getting more frequent LE than other card, this also is the reason for not closing platinum.

You said that you have 2 Icici cards. One is Amazon Pay & another is Platinum. Want to know that are they with different limit or with the sharing limit. Can we get two ICICI cards with different limit?

 

[TheTrickySid]

You said that you have 2 Icici cards. One is Amazon Pay & another is Platinum. Want to know that are they with different limit or with the sharing limit. Can we get two ICICI cards with different limit?

I have 4 ICICI cards all with same shared limit.
ICICI bank doesn't have seperate limit concept.