CCcollectors - What are the best Cards to hold today?

[Pr@k]

with all the available information on them lets Remove Magnus/Reserve , Infinia & AMEX Plat Charge from the list.

What are the others cards you hold and would recommend to others.

 

[Wealth is my birth right!]

are you sure upi spends will be counted for fee waiver?

As long as you’re getting rewards lke 1.5% coins then it’s meant that milestone count happens
Again at the same time no one can confirm at this point of time since all are new to neu card and exact picture we know by card anniversary

 

[SiddharthR]

Okay bro thanks for confirming.

I want to pay max life insurance 19k premium but I have only 15k limit.
So can I add 4k in advance in my cc and then pay 19k?

Will they charge me 500 rs as they mentioned in overpay usage?

Can pay 15K only,
As max txn limit is only 15k
No chance of overlimit, txn will be declined automatically

 

[Mritunjay]

As long as you’re getting rewards lke 1.5% coins then it’s meant that milestone count happens
Again at the same time no one can confirm at this point of time since all are new to neu card and exact picture we know by card anniversary

Yeah, makes sense. Let's see what happens.

 

[maverick]

Okay bro thanks for confirming.

I want to pay max life insurance 19k premium but I have only 15k limit.
So can I add 4k in advance in my cc and then pay 19k?

Will they charge me 500 rs as they mentioned in overpay usage?

No idea bro..

 

[Seth]

Can pay 15K only,
As max txn limit is only 15k
No chance of overlimit, txn will be declined automatically

They show over limit use option in app up to 30% but have to enable and it charge 500 rs minimum.

But I am thinking , advance over pay 4k in my card so it becomes 19k in my card and use it for tx.

I see this happens but not sure which cc allows it.

 

[Seth]

No idea bro..

Okay bro

 

[SiddharthR]

They show over limit use option in app up to 30% but have to enable and it charge 500 rs minimum.

But I am thinking , advance over pay 4k in my card so it becomes 19k in my card and use it for tx.

I see this happens but not sure which cc allows it.

That's not possible as u can't transact above your CC limit in one shot.
Anyone please clarify if it's possible or not
@Wealth is my birth right! @Chaitanya-a @Slayer @Life_style

 

[Chaitanya-a]

That's not possible as u can't transact above your CC limit in one shot.
Anyone please clarify if it's possible or not
@Wealth is my birth right! @Chaitanya-a @Slayer @Life_style

I've tried this to pay Herbalife order via Axis Flipkart card but it isn't allowed without enabling overlimit. And enabling it will fetch charges. So not worth it.

 

[Seth]

That's not possible as u can't transact above your CC limit in one shot.
Anyone please clarify if it's possible or not
@Wealth is my birth right! @Chaitanya-a @Slayer @Life_style

It's possible definitely.

Case 1 enabling over use option in axis bank portal , you can use upto 30% more than limit as below tnc




Case 2 overpay in advance and then pay
Ex. overpay 2k so you can use limit+2k for any payment.

But not sure case 2 , usually should be no charge as seen in some articles but don't know about freecharge axis and also they charge it or not.

 

[Seth]

I've tried this to pay Herbalife order via Axis Flipkart card but it isn't allowed without enabling overlimit. And enabling it will fetch charges. So not worth it.

Have you tried by overpaying extra amount in advance without enabling overlimit option?
Would it allows this without charges?

 

[Chaitanya-a]

Have you tried by overpaying extra amount in advance without enabling overlimit option?
Would it allows this without charges?

Yes I've tried overpaying only. But not working. Let me tell you how:

See: In usage control, only max limit is allowed. Even if we add higher amount, it'll follow control conditions which is max set to 15k only.

 

[Wealth is my birth right!]

That's not possible as u can't transact above your CC limit in one shot.
Anyone please clarify if it's possible or not
@Wealth is my birth right! @Chaitanya-a @Slayer @Life_style

Well possible but don’t use unless it’s real emergency
If it’s a month end bank will report 130% utilising of limit to cibil which is adverse I say

 

[sv004]

They show over limit use option in app up to 30% but have to enable and it charge 500 rs minimum.

But I am thinking , advance over pay 4k in my card so it becomes 19k in my card and use it for tx.

I see this happens but not sure which cc allows it.

Buy amazon pay voucher worth 5k then load 5k and clear ur debt then make payment of rest from amazon pay

 

[Deleted member 5552]

I think over limit facility is available only if you don't have enough credit limit and want to use extra limit than available credit limit on your card.

For example, If your total limit is 10k, already spent 8k, now want to spend 5k with the available limit of 2k. Here if you enable the over limit facility, you can finish the transaction without any problem, but you will have to pay the charges for 3k

 

[bdnbje]

all my cards are ltf. but im willing to hold one indusind eazydiner cause i dine a lot but i guess im banned from indusind 🙁

 

[Seth]

Yes I've tried overpaying only. But not working. Let me tell you how:
View attachment 11681
See: In usage control, only max limit is allowed. Even if we add higher amount, it'll follow control conditions which is max set to 15k only.

Sad 😢
Then what happened to your over paid amount , do they refunded after due date or settle if you use?

 

[sv004]

all my cards are ltf. but im willing to hold one indusind eazydiner cause i dine a lot but i guess im banned from indusind 🙁

U can get hdfc times prime i think it also comes with easy diner membership

 

[Chaitanya-a]

Sad 😢
Then what happened to your over paid amount , do they refunded after due date or settle if you use?

They don't refund. It got deducted from my spendings gradually.

 

[Seth]

They don't refund. It got deducted from my spendings gradually.

Okay bro thanks 👍

 

[Wealth is my birth right!]

all my cards are ltf. but im willing to hold one indusind eazydiner cause i dine a lot but i guess im banned from indusind 🙁

Have idfc if u don’t have its ltf
Link in my signature
It too have dining benefits but not upto EazyDiner just try