How to upgrade card from Aura to Vistara Explorer?

[hs23]

Please suggest the best way to upgrade from Aura to Vistara Explorer with 10K joining fee. I need zero forex card for 15L annual International spends. My Aura card has only 30k limit, I have sent ITR to Indus bank for limit enhancement.

I also have RBL World Safari but RBL team is not providing LE till card is 6 months old. RBL Reward rate is 2.25% on 7.5L spends but very difficult to make these spends using 27K limit they have given me.

I have applied for DCB LTF card as well but I don't want to pay 2.36% forex fee for 3.33% reward who is actual value is only 3%, if we consider that RP is profitable mainly on flights only and many cards are offering 10% discounts on flights. I know that using GV I can get 1% discount but it has cap of 1L/ month and I need to spend 5L/ month.

I not willing to get Burgundy account at this time for Magnus 5:4 transfers using Samsung card 15RP/100.

 

[Akashn]

Indusind ka bhi batao
RBL ka bhi batao
HDFC ka bhi batao
Axis ka bhi batao

Jokes apart,
Try Scapia card.. they usually match your highest limit on cibil
or fd based idfc wow card
or try some debit cards like indie or sbm niyo global

 

[hs23]

Indusind ka bhi batao
RBL ka bhi batao
HDFC ka bhi batao
Axis ka bhi batao

Jokes apart,
Try Scapia card.. they usually match your highest limit on cibil
or fd based idfc wow card
or try some debit cards like indie or sbm niyo global

Scapia rejected my application even though I didnt have any Federal bank card. I then got one card with 1.18% forex but cannot recover fees using 1% rewards.

Not willing to put 2L FD to get Wow card card with 2L limit.

I already have Indie and Niyo SBM. Indie will attract 20% TCS post 7.5L spends, and SBM- I dont trust this bank for high value transactions. Biggest disadvantage is that the CC bill can be paid using only SBM savings account and there is high chances of account freeze.

 

[D₹V]

Please suggest the best way to upgrade from Aura to Vistara Explorer with 10K joining fee. I need zero forex card for 15L annual International spends. My Aura card has only 30k limit, I have sent ITR to Indus bank for limit enhancement.

I also have RBL World Safari but RBL team is not providing LE till card is 6 months old. RBL Reward rate is 2.25% on 7.5L spends but very difficult to make these spends using 27K limit they have given me.

I have applied for DCB LTF card as well but I don't want to pay 2.36% forex fee for 3.33% reward who is actual value is only 3%, if we consider that RP is profitable mainly on flights only and many cards are offering 10% discounts on flights. I know that using GV I can get 1% discount but it has cap of 1L/ month and I need to spend 5L/ month.

I not willing to get Burgundy account at this time for Magnus 5:4 transfers using Samsung card 15RP/100.

For DCB.

Save 1% on international spends

See Thread 'HDFC Bank Global Value Back Program: Save On International Spending' https://www.technofino.in/community...program-save-on-international-spending.18356/

 

[hs23]

For DCB.

Save 1% on international spends

See Thread 'HDFC Bank Global Value Back Program: Save On International Spending' https://www.technofino.in/community...program-save-on-international-spending.18356/

I already said it - I know that using GV I can get 1% discount but it has cap of 1L/ month and I need to spend 5L/ month.

 

[D₹V]

@xywowowvw is invited here 😛

 

[Deleted member 11974]

pata nahi aise situations mein hamesha mein hi kaise aage aajata hoo

 

[Deleted member 11974]

Please suggest the best way to upgrade from Aura to Vistara Explorer with 10K joining fee. I need zero forex card for 15L annual International spends. My Aura card has only 30k limit, I have sent ITR to Indus bank for limit enhancement.

I also have RBL World Safari but RBL team is not providing LE till card is 6 months old. RBL Reward rate is 2.25% on 7.5L spends but very difficult to make these spends using 27K limit they have given me.

I have applied for DCB LTF card as well but I don't want to pay 2.36% forex fee for 3.33% reward who is actual value is only 3%, if we consider that RP is profitable mainly on flights only and many cards are offering 10% discounts on flights. I know that using GV I can get 1% discount but it has cap of 1L/ month and I need to spend 5L/ month.

I not willing to get Burgundy account at this time for Magnus 5:4 transfers using Samsung card 15RP/100.

for any LE you need to show income proof
if that happens well and good otherwise go for fd back 0 forex ccs
if banks would issue those to you

 

[vijay.vj]

Please suggest the best way to upgrade from Aura to Vistara Explorer with 10K joining fee. I need zero forex card for 15L annual International spends. My Aura card has only 30k limit, I have sent ITR to Indus bank for limit enhancement.

I also have RBL World Safari but RBL team is not providing LE till card is 6 months old. RBL Reward rate is 2.25% on 7.5L spends but very difficult to make these spends using 27K limit they have given me.

I have applied for DCB LTF card as well but I don't want to pay 2.36% forex fee for 3.33% reward who is actual value is only 3%, if we consider that RP is profitable mainly on flights only and many cards are offering 10% discounts on flights. I know that using GV I can get 1% discount but it has cap of 1L/ month and I need to spend 5L/ month.

I not willing to get Burgundy account at this time for Magnus 5:4 transfers using Samsung card 15RP/100.

May be spend 15k and get Pinnacle credit card & open exclusive saving account with indusind. Once linked, you would get 0 MAB.
Else open exclusive with 1L IP but 1L MAB needed.

You will get exclusive signature DC which gives 0% forex mark up + rewards on debit card international spends.
1 point is 35 paisa or 70 paisa, dont remember.

 

[elite34700]

IndusInd has stopped issuing vistara explorer cards. Also, LE can now only happen on payslips, they stopped LE and card applications on ITR and even if they take ITR basic cards are only being issued for now. C2C LE usually is stopped at 5 L but now that’s also not possible due to risk weight increase. Weird IndusInd policies.

 

[ajitshukla19]

Are you sure ?
I got the LE based on C2C few days back only

 

[imdjay]

Are you sure ?
I got the LE based on C2C few days back only

Can you explain what steps you followed?
I am also planning to reach them for LE on a C2C basis.

 

[elite34700]

Are you sure ?
I got the LE based on C2C few days back only

Did you submit C2C LE request before announcement of increased risk weightage ?

 

[ajitshukla19]

Did you submit C2C LE request before announcement of increased risk weightage ?

Yes submitted on first week of November and got increased on second week

 

[elite34700]

Thats the catch. Abhi nhi ho rha hai , i expected 8L for my C2C LE but it didnt happen after a long conversation they pushed to 6 on heritage metal.