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HDFC Preferred | Axis Burgundy | ICICI | Which is the Best for getting Credit Card?

  • Thread starter Thread starter Abhi21
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A

Abhi21

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Hi to all TF community Members,
I am happy to join this community as it was and is helpful in creating a good/perfect credit card portfolio. I started following this community for past few months and I never knew that Techno YT channel has a community too.

My card portfolio
SBI Simply click (1 yr and 8 months old)
Waived free by spend milestone
SBI cashback (4 months old)
Both shared limit of 1.1L
Extracted returns 2.5% in SimplyCLICK

Axis Privilege ( 1 month old) limit - 1.4L
Paid one. Covered with welcome benefits
Upgraded from neo recently (9 months)
Already pre-approved offer for Atlas
Extracted returns 2%

Yes bank first prosperity card ( 4 months) (closed) limit - 35k
along with Virtual Rupay

Closed bec they said it's LTF but it's ain't so raised complaint then got 2k worth points. Redeemed and closed it.

HDFC Tata neu infinity FYF (7 months old)
Limit - 1.5L
Extracted returns 3.3% overall (2.5L spends till date)

RBL Shoprite (1 month old) FYF
Degraded from Cookies (4 months old)
Limit 45k
Degraded bec 5000 min spends required to wave off monthly fee.
Kept for offers

IDFC classic LTF (4 months old)
75k - limit
Kept for offers

INDUSIND eazydiner LTF
50K - Limit
Kept for offers.
(normal eazy diner not that signature one)

CIBIL - 771
Payments - Excellent
Utilization - Excellent
Mix portfolio - good (no secured loans yet)
Enquiry - 51 (Dont know how) - Fair

Enquiry isn't much of an issue in future I know though
I am running a business With ITR of 5-6 Lac. I have accs with SBI SB (15+ yrs) n Current (8yrs)

Recently opened HDFC current account (3 months back) for POS machine.

Now my query,
Which road is good
HDFC - infinia
AXIS - Magnus
ICICI - Emeralde

My HDFC is a new branch in my location. And the BM is new too shifted from Axis. He is a good guy and trying ways to help me in getting Regalia gold but he is communicating with Upper tier guys, imperia account RM from other branch and also with credit card team.
He said to open Savings account with preferred banking so that after 3-6 months I can get Regalia gold. I pushed him yesterday to cofirm else won't open the account. He is pushing them to confirm details so that we can move ahead.

When I have good BM, I am facing shitty experience with HDFC email escalation team. Past one month, I kept on escalatng for either conversion of Tata neu infinity to LTF or core one for regalia gold. Both rejected now asked for Millinea atleast.
I don't see any pre approved offers yet.
So close my Tata card or finish off 50k n use it for next year.. It won't be useful it I got hold to Regalia gold or atlas for sure.

ICICI Apay card keeps rejecting.. You know why. Self employed 😂

No idea abt banking stuff

Axis I have read in forums that it's way more shitter than HDFC.

So confused to either get atlas and move ahead with Axis road or start a new road with ICICI or HDFC with preferred banking. I can only reach by spend Milestone and others but not with ITR.
Let me know your feedback and I am here to help other members with the knowledge n experience I gained in these close to 2 years.
 
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Anupama_Jha said:
Get HDFC INFINIA first. The most stable premium card in market.
Click to expand...
Then I should go ahead with opening preferred banking tom along with cancellation of tata neu infinity credit bec of co - branded issue and Mr. Aniketkr.sharma suggested the same.
 
Ok then. I went to bank today. BM spoke to an experienced guy from credit card team. He said ask customer first to close Tata neu. Which implies HDFC won't provide core card easily untill you hold co branded card as your first one. He said open preferred acc n 3 months time I may start seeing Regalia gold card. Closed my card now. Preferred acc under process..
 
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Guys need advice..
After all the hussle and tussle for a month, HDFC agreed to convert my tata neu infinity (1.5L limit) to Millennia (I asked for Regalia Gold though) FYF. So should I take it however I want Regalia gold.
Note : today I have opened preferred savings acc with them.
My question is should I accept it and then acc to spends wait for LE and once I hit 3L limit and with good amount of spend I upgrade to Regalia gold or should I deny the request and close Tata card and wait for pre-approved Regalia gold / push BM for Regalia gold?
 
Abhi21 said:
Guys need advice..
After all the hussle and tussle for a month, HDFC agreed to convert my tata neu infinity (1.5L limit) to Millennia (I asked for Regalia Gold though) FYF. So should I take it however I want Regalia gold.
Note : today I have opened preferred savings acc with them.
My question is should I accept it and then acc to spends wait for LE and once I hit 3L limit and with good amount of spend I upgrade to Regalia gold or should I deny the request and close Tata card and wait for pre-approved Regalia gold / push BM for Regalia gold?
Click to expand...
No no, just take the Millenia ASAP
 
Abhi21 said:
So you mean to say Regalia gold offline me try karna is kinda tedious..
Take Upgrade path step by step. Right?
Thank you for your speedy response bro.
Click to expand...
As your limit isn't 3lakh, so they aren't offering you regalia gold.


Base limit should match to get the expected cards.

3 lakhs --> Regalia Gold
5 lakhs --> DCBM
8 lakhs --> Infinia


Due to Recent hike in criteria's this may also go upward.

For current as i feel when trying to get DCBM

12 lakhs --> Infinia
8 lakhs --> DCBM
 
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