Credit card Suggestion

[PrabhuP]

Below list of few cards i am holding

1. Axis Flipkart LTF
2. HDFC Millennia LTF
3. SBI Cashback Paid

I am planning to get Cards following possibilities,

1. International Lounge access with nominal Card Annual Fee (Prefer LTD 🙂 )
2. Rupay Credit card with better rewards
3. Indian Oil Credit cards

Cards in Mind,

HDFC Regalia
HDFC Indian Oil
Axis Indian Oil Rupay

As i am already Holding 3 Axis cards, Is it better to close the Axis FK(LTF) and go for Axis IOCL Rupay card or get the second card in HDFC IOCL (but if i opt for HDFC IOCL then i dont think i can apply for Regalia?)?

Hope closing Axis Flipkart wont hurt as i am holding SBI CB, HDFC Millennia.

 

[cpkalariya]

Is that through C2C? If yes how to apply for Yes First ?

Both platform will ask for your existing credit cards and maximum limit. But none of them demands actual statement of existing credit card.

 

[4uziaul]

Sorry. I have Pinnacle but I am not aware about minimum spend criteria for lounge access. Please share relative document if available.

I believe there might be some confusion. He might have mixed it up with the Travel Plus Program, which provides 8 Lounge Access passes per year upon payment of 5k. Please note that this benefit is exclusively for International Lounges.

 

[ccgeek07]

Both platform will ask for your existing credit cards and maximum limit. But none of them demands actual statement of existing credit card.

Then income documents?

 

[PrabhuP]

Sorry. I have Pinnacle but I am not aware about minimum spend criteria for lounge access. Please share relative document if available.

Sorry, I got small confusion with IDFC select and IndusInd Legend 🙁

 

[cpkalariya]

Then income documents?

Nope. They are offering cards using your CIBIL history.

 

[ccgeek07]

Nope. They are offering cards using your CIBIL history.

Sorry for many questions.
Can you pls tell the limit required for Yes First and guide the process for applying?

 

[cpkalariya]

Sorry for many questions.
Can you pls tell the limit required for Yes First and guide the process for applying?

I don't know exact limit. But for my LTF application I had 7.5 lakh limit on another card. I think you should try if you have limit of minimum 5 lakh limit on another card. First they offer a paid card, you should resist and try for a LTF card. They will offer LTF card after 2-3 months.

 

[ccgeek07]

I don't know exact limit. But for my LTF application I had 7.5 lakh limit on another card. I think you should try if you have limit of minimum 5 lakh limit on another card. First they offer a paid card, you should resist and try for a LTF card. They will offer LTF card after 2-3 months.

Thanks.
How to apply? Through Agent or Online from YesBank CC portal?

 

[cpkalariya]

Thanks.
How to apply? Through Agent or Online from YesBank CC portal?

I have applied through paisabazaar.

 

[ccgeek07]

Thanks for all the info. But I'm skeptical to use Paisabazaar.

 

[Shrinit Padwal]

Legend card we have to spend 5k in previous month to avail lounge access.

This might be on IDFC cards - haven't seen such spend criteria on IndusInd cards. If anything new came up in June, then I'm not aware. Was this a silent devaluation?