peregrine0falcon
TF Select
Hi guys,
Bear with me for this redundant issue.
I have existing card with Amex ( 2 cards with 4.5 and 4 lakh limit), BOB premier LTF (50k) , SBI cashback (40k limit). I also had money back with 1.32 limit but I closed it (this april only) cause HDFC denied upgrade even with salary slips.
I am maintaining minimum of 10lakhs in savings and hoping to move to imperia from preferred. My account is 4 years old (salary account). Next month forward there will be no salary as I will move to US but will use hdfc debit to pay my card bills. I pay around 40k-1lakh cc bills by my hdfc debit card.
I am maintaining 10lakhs from early april. So hoping that imperia status will be provided by next quarter. Now comes the important question - I need a card which can provide me international lounge access preferably from HDFC. So, how long till I get a preapproved offer for atleast regalia and preferably DCB. I need a card for international lounge access only and after few months a card that can replace my existing IDFC Wow card (completing 1 year this june with 2 lakh limit). My CIBIL is 777 and my history is 5y 7m. I closed my first kotak card 3 years back. So the history is not actually a history. The actual history start from june 2023.
I am not into rewards much but need 1 card for international lounge and net positive rewards for international spends. I am too lazy to figure out when to use which card. I have already crossed 2 lakh milestone on Amex travel in 60 days and use pay with points on Amex ATO 😅😅. Delta flights are way cheaper on Amex ATO. I saved 20k compared to skyscanner etc. Although i have 4 layovers till my destination.
Bear with me for this redundant issue.
I have existing card with Amex ( 2 cards with 4.5 and 4 lakh limit), BOB premier LTF (50k) , SBI cashback (40k limit). I also had money back with 1.32 limit but I closed it (this april only) cause HDFC denied upgrade even with salary slips.
I am maintaining minimum of 10lakhs in savings and hoping to move to imperia from preferred. My account is 4 years old (salary account). Next month forward there will be no salary as I will move to US but will use hdfc debit to pay my card bills. I pay around 40k-1lakh cc bills by my hdfc debit card.
I am maintaining 10lakhs from early april. So hoping that imperia status will be provided by next quarter. Now comes the important question - I need a card which can provide me international lounge access preferably from HDFC. So, how long till I get a preapproved offer for atleast regalia and preferably DCB. I need a card for international lounge access only and after few months a card that can replace my existing IDFC Wow card (completing 1 year this june with 2 lakh limit). My CIBIL is 777 and my history is 5y 7m. I closed my first kotak card 3 years back. So the history is not actually a history. The actual history start from june 2023.
I am not into rewards much but need 1 card for international lounge and net positive rewards for international spends. I am too lazy to figure out when to use which card. I have already crossed 2 lakh milestone on Amex travel in 60 days and use pay with points on Amex ATO 😅😅. Delta flights are way cheaper on Amex ATO. I saved 20k compared to skyscanner etc. Although i have 4 layovers till my destination.
