How to get Amex card without ITR/Salary slip?

[M2222]

Hey

Is it possible to get any Amex card in India without ITR/Salary slip?

 

[yolofino]

Do share that spend method with us! 😁

My father-in-law is an LIC agent and he has tens of people paying premiums every month. He lives in a village.

I pay their premium using my credit cards (if the cashback is more than 1.5%) and they deposit or transfer the same amount in my bank account.

PS - I don't do it more than 1 lakh spend in a month. I can even spend more than 5 lakh every month but I don't do that.

 

[007]

My father-in-law is an LIC agent and he has tens of people paying premiums every month. He lives in a village.

I pay their premium using my credit cards (if the cashback is more than 1.5%) and they deposit or transfer the same amount in my bank account.

PS - I don't do it more than 1 lakh spend in a month. I can even spend more than 5 lakh every month but I don't do that.

Lucky you! 🤣

 

[Paras]

It's kind of unofficially unbanned

????

 

[yolofino]

You can ... You just need to file ITR 3 ... Tax guys can't touch you

I file ITR3 only (since last FY). Paying 0 tax despite good income.

It comes with a downside though. Banks see it as a negligible income because all they see is, "ohh, you have less than 2.5 lakh taxable income".

I have to rely on C2C or pre-approved or bank statement route.

 

[fatehbajwa]

It's kind of unofficially unbanned

🤔

 

[thunderbolt]

It's kind of unofficially unbanned

Please elaborate 🧐

 

[Pramtesh]

Ah ... Then that's something good to know about

I have 16 Banks card. After getting my very 1st card. Rest all 15 were from C2C.

 

[Pramtesh]

Have you applied before?

Yes. C2C gives better limit too.

 

[Pramtesh]

Ah
Do share your portfolio if possible

I have already shared. If you are in VIP lounge category. You will be able to see.

 

[Pramtesh]

Ah
Do share your portfolio if possible

Almost all are LTF. Those which are Chargeable. I get it reversed. Without meeting the yearly spend.

HDFC Infinia
SCB Platinum
ICICI platinum
Yes Exclusive
Citi reward
Indusind Pinnacle
Kotak White & Royale
RBL titanium delight. Fees 750
HSBC platinum
Sbi simply save Fees 500
Onecard
Axis myzone &ACE fees for ACE 500
Bob Eterna
Idfc classic
Au Vetta

 

[theneerex]

Almost all are LTF. Those which are Chargeable. I get it reversed. Without meeting the yearly spend.

HDFC Infinia
SCB Platinum
ICICI platinum
Yes Exclusive
Citi reward
Indusind Pinnacle
Kotak White & Royale
RBL titanium delight. Fees 750
HSBC platinum
Sbi simply save Fees 500
Onecard
Axis myzone &ACE fees for ACE 500
Bob Eterna
Idfc classic
Au Vetta

How do you get the fee waived off for Axis Ace without hitting the spend limit?

 

[moonsmart]

I wish the account aggregator concept catches on and banks give easy access to credit to self-employed people. It's really difficult for non-salaried people to get loans or credit card from banks etc. Even when they can prove their monthly income from bank statement.

Yeah it'll be quite helpful for self-employed people. Fi bank has started offering this feature, although with selected banks as of right now, but they'll be adding more banks soon.

 

[Sanskar]

Almost all are LTF. Those which are Chargeable. I get it reversed. Without meeting the yearly spend.

HDFC Infinia
SCB Platinum
ICICI platinum
Yes Exclusive
Citi reward
Indusind Pinnacle
Kotak White & Royale
RBL titanium delight. Fees 750
HSBC platinum
Sbi simply save Fees 500
Onecard
Axis myzone &ACE fees for ACE 500
Bob Eterna
Idfc classic
Au Vetta

How do you have premium card for LTF

 

[Pramtesh]

How do you have premium card for LTF

Ask Bank. They will make if LTF

 

[Pramtesh]

How do you get the fee waived off for Axis Ace without hitting the spend limit?

Requested on call

 

[Pramtesh]

How without meeting spend criteria?

Everything is possible.

 

[ashwinkashwink is verified member.]

Everything is possible.

Yes 🥰

 

[prc1990]

Almost all are LTF. Those which are Chargeable. I get it reversed. Without meeting the yearly spend.

HDFC Infinia
SCB Platinum
ICICI platinum
Yes Exclusive
Citi reward
Indusind Pinnacle
Kotak White & Royale
RBL titanium delight. Fees 750
HSBC platinum
Sbi simply save Fees 500
Onecard
Axis myzone &ACE fees for ACE 500
Bob Eterna
Idfc classic
Au Vetta

CITI Rewards, how did you make it unconditional LTF? How old your card was when this was converted to LTF?

 

[BigdeBigde is verified member.]

Similar story here, applied for Amex Smart Earn through their website three years back, got a call from one of the executives from the bank who enquired about my annual income and asked me to share my last three months salary slips. Card was approved within 3 days, didn't have to pay the annual fee of 500 even a single time as the spend criteria is just 40k. In fact this year not only I earned 10X reward points from them on my insurance payments but also got a 1500 Rs Gift Voucher from their side (it was a spend based offer for limited users).

This card is worth applying for, the only grievance I have with them is that I haven't gotten any limit enhancement offer from their side yet. Nor received any card upgrade.

Tried reaching their customer care and they asked me to submit my income documents for the LE, didn't share the docs this time as I have been pretty consistent with my payments and a limit of 3 L+ is more than sufficient for me at the moment.

 

[theneerex]

Requested on call

Do you have a high end axis card also? They might treat high end card holders better. None of my requests to convert it to LTF have ever worked out