pythonlover
TF Select
Got an offer for paid Emeralde in iMobile. I hold 4 cards with ICICI bank [MMT Visa Signature (man this card is useless!), Amazon Pay, Sapphiro (LTF, Alumni offer, Limit of ICICI with 3L) & RuPay Coral (paid)].
I have a regular 10000 MAB savings a/c. Interestingly my salary is much less than required threshold for Emeralde (much much less). I don't have any big relationship, just some small FD. My annual expense is hardly around 1.5 lakh and I don't travel much. But I can afford this card and it is very tempting for me right now. I know that I will never get any such offer for Infinia or DCB from HDFC (I have Millennia LTF with meagre 50000 limit), so this may be the only shot for a premium card for me (though it is paid and not that great card) for a long time. Also I may have to travel a lot in next 2-3 years after I change my job (may be I won't get the offer that time). I will also get limit enhancement for sure and may use this card to apply for other bank's credit cards.
The drawbacks are that reward rate is low and it is paid (however, I have heard this card is very rare to get LTF or even FYF). What do you people suggest? Also is there some reward point or bonus against joining fee & annual fee? Emeralde website shows none. Also if someone has link for Emeralde annual returns, please post it here. Thank you.
I have a regular 10000 MAB savings a/c. Interestingly my salary is much less than required threshold for Emeralde (much much less). I don't have any big relationship, just some small FD. My annual expense is hardly around 1.5 lakh and I don't travel much. But I can afford this card and it is very tempting for me right now. I know that I will never get any such offer for Infinia or DCB from HDFC (I have Millennia LTF with meagre 50000 limit), so this may be the only shot for a premium card for me (though it is paid and not that great card) for a long time. Also I may have to travel a lot in next 2-3 years after I change my job (may be I won't get the offer that time). I will also get limit enhancement for sure and may use this card to apply for other bank's credit cards.
The drawbacks are that reward rate is low and it is paid (however, I have heard this card is very rare to get LTF or even FYF). What do you people suggest? Also is there some reward point or bonus against joining fee & annual fee? Emeralde website shows none. Also if someone has link for Emeralde annual returns, please post it here. Thank you.