Best Credit Card to switch to

[Momo_Scooby]

I was using Axis Magnus as my main card and was getting each month milestone points on that for 1L spent and used those points on international flights and hotels.
But after evaluation, I moved my spent to Diners Black which is LTF, and in the last 4 months, I had spent around 9+Lakhs on that to be eligible for an Infinia card (no success as of now).

I am wondering what should be the best card for me, I like to collect points which I can redeem for hotels or flights and I am okay paying high Annual fees if we can milk those.
I have the below cards with me as of now, I will be closing a few of them, Just wanted to know what card I should go for.

And I do love getting the best airport lounge access

Any help will be highly appreciated.




Axis Magnus - Paid(10000) (credit limit 8.5 lakhs), my wife also has her own Magnus paid version
HDFC Diners Black - LTF (credit limit 6.95 lakhs)
SC Ultimate - Paid(5000) (credit limit 8.5 lakhs)
IndusInd Legend - LTF (credit limit 5 lakhs)
Axis Flipkart - LTF (credit limit 8.5 lakhs)
One Card Metal - LTF (credit limit 7 lakhs)
Axis Neo - LTF (credit limit 8.5 lakhs)
ICICI MMT Signature - One-Time Fee(2500) (credit limit 10 lakhs)
ICICI Amazon Pay - LTF (credit limit 10 lakhs)
ICICI Platinum - LTF (credit limit 10 lakhs)
Kotak League Platinum - Paid (499) (credit limit 10.5 lakhs)

 

[moneynerd]

I am just confused with this Vistara and Air India thing, so not sure if I should get a Vistara credit card. You are talking about Amex Platinum Travel or Charge?

Amex Platinum travel

 

[moneynerd]

I was using Axis Magnus as my main card and was getting each month milestone points on that for 1L spent and used those points on international flights and hotels.
But after evaluation, I moved my spent to Diners Black which is LTF, and in the last 4 months, I had spent around 9+Lakhs on that to be eligible for an Infinia card (no success as of now).

I am wondering what should be the best card for me, I like to collect points which I can redeem for hotels or flights and I am okay paying high Annual fees if we can milk those.
I have the below cards with me as of now, I will be closing a few of them, Just wanted to know what card I should go for.

And I do love getting the best airport lounge access

Any help will be highly appreciated.




Axis Magnus - Paid(10000) (credit limit 8.5 lakhs), my wife also has her own Magnus paid version
HDFC Diners Black - LTF (credit limit 6.95 lakhs)
SC Ultimate - Paid(5000) (credit limit 8.5 lakhs)
IndusInd Legend - LTF (credit limit 5 lakhs)
Axis Flipkart - LTF (credit limit 8.5 lakhs)
One Card Metal - LTF (credit limit 7 lakhs)
Axis Neo - LTF (credit limit 8.5 lakhs)
ICICI MMT Signature - One-Time Fee(2500) (credit limit 10 lakhs)
ICICI Amazon Pay - LTF (credit limit 10 lakhs)
ICICI Platinum - LTF (credit limit 10 lakhs)
Kotak League Platinum - Paid (499) (credit limit 10.5 lakhs)

magnus is definitely great for lounge access but reward rate devaluation has made it subpar in front of options like federal zero forex credit cards (amplifi is the name i guess) & icici coral

 

[GBajaj]

I was using Axis Magnus as my main card and was getting each month milestone points on that for 1L spent and used those points on international flights and hotels.
But after evaluation, I moved my spent to Diners Black which is LTF, and in the last 4 months, I had spent around 9+Lakhs on that to be eligible for an Infinia card (no success as of now).

I am wondering what should be the best card for me, I like to collect points which I can redeem for hotels or flights and I am okay paying high Annual fees if we can milk those.
I have the below cards with me as of now, I will be closing a few of them, Just wanted to know what card I should go for.

And I do love getting the best airport lounge access

Any help will be highly appreciated.




Axis Magnus - Paid(10000) (credit limit 8.5 lakhs), my wife also has her own Magnus paid version
HDFC Diners Black - LTF (credit limit 6.95 lakhs)
SC Ultimate - Paid(5000) (credit limit 8.5 lakhs)
IndusInd Legend - LTF (credit limit 5 lakhs)
Axis Flipkart - LTF (credit limit 8.5 lakhs)
One Card Metal - LTF (credit limit 7 lakhs)
Axis Neo - LTF (credit limit 8.5 lakhs)
ICICI MMT Signature - One-Time Fee(2500) (credit limit 10 lakhs)
ICICI Amazon Pay - LTF (credit limit 10 lakhs)
ICICI Platinum - LTF (credit limit 10 lakhs)
Kotak League Platinum - Paid (499) (credit limit 10.5 lakhs)

Hi @Momo_Scooby ,
Sharing my experience as I was in the same boat wrt the Magnus. I found out about this Magnus card too late and had it for just 8 months before they announced devaluation. I knew it was too good to be true but managed to make hay whilst the sun was shining!
Transfered 2+Lacs points to Accor and MB prior to the devaluation date at 5:4 and cancelled the card prior to the renewal time. (In hind sight, I should asked for a downgrade to Atlas as I realized later card closure affects the available credit /utilization metrics and Credit score. Nothing I needed to worry about but I would have tried out Atlas if they downgraded.
I was looking for a replacement for Magnus for the lifestyle and rewards benefits (I have other LTF cards from ICICI AP, IDFC Wealth and a supplementary HDFC Infinia from my wife).
Was looking for premium cards although I was not happy with any other cards that would suitably compliment the features of my existing cards.
Was considering the Axis Atlas but worried that Axis will continue its devaluation drive,
Received a lucrative offer from Amex for the Platinum Charge card upgrade from my existing Platinum Travel card. After the initial reaction mentally, I came around to the 60K+GST annual fee given all the lifestyle and travel benefits it offers (in addition to lucrative joining bonus). From your message it seems this card might be an option you should consider especially if you can get a lucrative joining bonus too.
I am going to try it out one year at least.
Best wishes.!

 

[GBajaj]

Their higher variants are wealth and wealth private..
Wealth private requires a very high relationship value.
That results in Only Wealthy CC..
Have a look at this wealth CC.. I don’t think it directly competes with dcb/ infinia

Yes, Wealth CC reward rates are not comparable to Inifinia/DCB. Side note: IDFC's interface/online experience is so much better than HDFC!! IDFC is Gen Z vs HDFC is Milenial (pun) generation!!
As an LTF card, I find it is reasonable card with many unique benefits like free Road Side Assitance, no cap rewards on government/tax payments, offers that can get you >2.5% etc.

 

[Riya]

I was using Axis Magnus as my main card and was getting each month milestone points on that for 1L spent and used those points on international flights and hotels.
But after evaluation, I moved my spent to Diners Black which is LTF, and in the last 4 months, I had spent around 9+Lakhs on that to be eligible for an Infinia card (no success as of now).

I am wondering what should be the best card for me, I like to collect points which I can redeem for hotels or flights and I am okay paying high Annual fees if we can milk those.
I have the below cards with me as of now, I will be closing a few of them, Just wanted to know what card I should go for.

And I do love getting the best airport lounge access

Any help will be highly appreciated.




Axis Magnus - Paid(10000) (credit limit 8.5 lakhs), my wife also has her own Magnus paid version
HDFC Diners Black - LTF (credit limit 6.95 lakhs)
SC Ultimate - Paid(5000) (credit limit 8.5 lakhs)
IndusInd Legend - LTF (credit limit 5 lakhs)
Axis Flipkart - LTF (credit limit 8.5 lakhs)
One Card Metal - LTF (credit limit 7 lakhs)
Axis Neo - LTF (credit limit 8.5 lakhs)
ICICI MMT Signature - One-Time Fee(2500) (credit limit 10 lakhs)
ICICI Amazon Pay - LTF (credit limit 10 lakhs)
ICICI Platinum - LTF (credit limit 10 lakhs)
Kotak League Platinum - Paid (499) (credit limit 10.5 lakhs)

Whoaa!!! 80+ lakh limit.... You must be having hell of a credit score

 

[Dragon_slayer]

I have shifted most of my spending to Axis Vistara Infinite from Magnus

 

[Momo_Scooby]

Hi @Momo_Scooby ,
Sharing my experience as I was in the same boat wrt the Magnus. I found out about this Magnus card too late and had it for just 8 months before they announced devaluation. I knew it was too good to be true but managed to make hay whilst the sun was shining!
Transfered 2+Lacs points to Accor and MB prior to the devaluation date at 5:4 and cancelled the card prior to the renewal time. (In hind sight, I should asked for a downgrade to Atlas as I realized later card closure affects the available credit /utilization metrics and Credit score. Nothing I needed to worry about but I would have tried out Atlas if they downgraded.
I was looking for a replacement for Magnus for the lifestyle and rewards benefits (I have other LTF cards from ICICI AP, IDFC Wealth and a supplementary HDFC Infinia from my wife).
Was looking for premium cards although I was not happy with any other cards that would suitably compliment the features of my existing cards.
Was considering the Axis Atlas but worried that Axis will continue its devaluation drive,
Received a lucrative offer from Amex for the Platinum Charge card upgrade from my existing Platinum Travel card. After the initial reaction mentally, I came around to the 60K+GST annual fee given all the lifestyle and travel benefits it offers (in addition to lucrative joining bonus). From your message it seems this card might be an option you should consider especially if you can get a lucrative joining bonus too.
I am going to try it out one year at least.
Best wishes.!

What joining bonus are we calling lucrative here? Can I get the said lucrative joining bonus for a fresh card as well?

 

[Momo_Scooby]

I have shifted most of my spending to Axis Vistara Infinite from Magnus

Not exactly sure about the whole Air India and Visata situation so I'm not much aware whether switching to Vistara is good as of now or not

 

[Momo_Scooby]

Whoaa!!! 80+ lakh limit.... You must be having hell of a credit score

Cibil: 806 and Experian: 842, actually limit is increased to 1.1cr

 

[GBajaj]

What joining bonus are we calling lucrative here? Can I get the said lucrative joining bonus for a fresh card as well?

135K MR Points. Typically given to existing Amex holders. Fresh card may offer just 45K Taj vouchers (previously they gave option of 100K MR points. No more).

 

[Momo_Scooby]

135K MR Points. Typically given to existing Amex holders. Fresh card may offer just 45K Taj vouchers (previously they gave option of 100K MR points. No more).

So for a fresh card Maex charge card doesn't make sense for me. just 45k taj voucher for 71k fee. 135K MR points are really good.

 

[GBajaj]

So for a fresh card Maex charge card doesn't make sense for me. just 45k taj voucher for 71k fee. 135K MR points are really good.

True. Unless you receive some good offer through referral (referrer gets good incentive if you follow their link but unsure if you would receive any better offer.

 

[Dragon_slayer]

Not exactly sure about the whole Air India and Visata situation so I'm not much aware whether switching to Vistara is good as of now or not

Nothing to worry about. Vistara already clarified everything goes on as it is for Vistara. If merge happens then it just adds to the benefits

 

[Riya]

Cibil: 806 and Experian: 842, actually limit is increased to 1.1cr

Your CUR limit is more than my total credit limit