borg
TF Select
amazon icici is ltf and probably one of the best cards out there , i have swiggy ltf and idfc wealth ltf too, i guess i will close mayura at before renewal
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IDFC First Bank Mayura Super Premium Credit Card & Ashva Premium Credit Card (Both Metal Cards) Launched
- Thread starter BVC
- Start date
yes nothing good only okish for 1 yr anyways that too i dont feel worth for 1st yr also if u have better cards for bms and 0% forex
helloworld
TF Legend
IMO, when it comes to credit cards, >0% rewards is always better than 0%, especially when dealing with mark-up fees (foreign transaction fee)! 
I wanted to share some tips for those of you who frequently travel or make purchases from international websites. You might already know that many credit cards charge a foreign transaction fee (usually 4.13%) whenever you buy something in a different currency. Unfortunately, these fees can eat into any rewards or cashback you’re hoping to earn.
There are credit cards that still provide positive rewards...
I wanted to share some tips for those of you who frequently travel or make purchases from international websites. You might already know that many credit cards charge a foreign transaction fee (usually 4.13%) whenever you buy something in a different currency. Unfortunately, these fees can eat into any rewards or cashback you’re hoping to earn.
There are credit cards that still provide positive rewards...
: )
helloworld
TF Legend
icici is never ltf, it indirectly tied to prime subscription which requires from 400 to 1500 annual subscription. without it, its like many other cards with nominal 1% to 2%.
Bhai itna bhi nafrat mat karo kisi se ki kuch bhi bolne lago!!😤😤
Everyone knows that ICICI AMAZON PAY CC is the best LTF.😑😑
And Prime Subscription everyone now a days getting complementary with Postpaid/ CC. Most of the people are not buying it!!
And if you still have any doubt refer this below thread by Founder:
And everyone will agree yours (or even mine) knowledge is nothing compared to him!!😤😤
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helloworld
TF Legend
Bhai itna bhi nafrat mat karo kisi se ki kuch bhi bolne lago!!😤😤
Everyone knows that ICICI AMAZON PAY CC is the best LTF.😑😑
And Prime Subscription everyone now a days getting complementary with Postpaid/ CC. Most of the people are not buying it!!
And if you still have any doubt refer this below thread by Founder:
And everyone will agree yours (or even mine) knowledge is nothing compared to him!!😤😤
as you see fit. each has their own perception, for me amzn prime not a need but for some its a need. Varies based on people, and I still stand that its a meagre or low value life time free card (without prime subscription), and the value only rises with prime subscription and that need additional spend (I considered that as equivalent to annual fee).
Same AU Lit, as LTF its useless card but with only subscription it shines (and I call with subscription its semi-premium card because it needs around 4k annually to get best ever rate)..
and if technofino or you say its best ever LTF card, I do not agree because it takes annually 4k+ fee to become "best".
Same with Yes Reserv, if you got as paid or LTF it doesn't matter because without subscription fee 'its an useless card", the real value comes with "annual subscription".
It depends on perspective and need, as said its my view and I still stand that "amazon pay icici as LTF is meagre card and value only shines with prime subscription".
Now if you use that prime subscription other ways that is the business we're talking about where people considered it as normal behavior rather extra spend.
I verified mobile plans with or without prime, and it takes extra to provide prime, its never complimentary for me, do share any such offer that really has no difference between with or without prime. I, personally do not consider it as complimentary.
Just like you, I shared my view.
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fradela
TF Premier
Actually, you are not getting actual 5% cashback. Cashback should come in the form of Amazon Pay.Bhai itna bhi nafrat mat karo kisi se ki kuch bhi bolne lago!!😤😤
Everyone knows that ICICI AMAZON PAY CC is the best LTF.😑😑
And Prime Subscription everyone now a days getting complementary with Postpaid/ CC. Most of the people are not buying it!!
And if you still have any doubt refer this below thread by Founder:
And everyone will agree yours (or even mine) knowledge is nothing compared to him!!😤😤
Only applicable for Amazon.
However, HDFC Swiggy LTF gives actual 5% cashback. Applicable for all online spends.
Everything that you said could be your view and everyone is fine with it.
But you can't suppress the fact or ignore the most important point - "Prime membership nowadays most of the people gets complementary with Mobile Postpaid benefit or as Credit Card benefits or other ways)😤😤
Now assume and consider you are not paying even a single penny for Prime Subscription. Then what will be your thoughts??
I think whatever you have will become totally irrelevant!!😑😑
And how the hell Amazon Pay CC takes 4k+ fee annually??🤔🤔
Kuch bhi!!
Frankly speaking either you are confused or you are making me confused!!😁😁
Bro it's actual 5% cashback. And cashback is coming in ...... ( Your 2nd line)
So what are you trying to say??🤔🤔
Wrt Swiggy - whatever you said is correct.... where we have discussed or argued about Swiggy CV?? I haven't!!😑😑
(and FYI - I have seen posts where people were getting 1% cashback instead of 5 or 10 but I am not bothered about this CC as it not in my list)
btw mayura me woh airport pick up and drop and meet and greet hai ya sab removed?
helloworld
TF Legend
thats for AU LIT..
All I'm trying to say, someone taking our money in different way than we thought, we need to aware where our rupee goes.
Some says, "subscription", "part of a plan" etc. as their marketing benefit, but at the end we're paying extra to get that benefit.
If you're not paying extra, then definitely its a benefit that you can enjoy without any worries. Good to know.
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helloworld
TF Legend
thats part of visa infinite benefit and exist for all visa infinite cards. its not complimentary like earlier magnus or reserv, its a discount based service provided by Visa.
unlike other banks idfc advertised as their benefit and people thought its complementary like Magnus but in the end its Visa service provided to its "Infinite" card holders. Like you'll get 10% or 20% discount.
To avoid confusion they removed (last when I check last month), but its always there on Visa website.
Attached Screenshot for your proof!!
And Airtel and Vodafone postpaid plan gives Prime. Now a days even Prepaid recharge are also providing.😑😑
These are very basic thing/knowledge and everyone knows here!!🤔🤔
I am surprised you are not aware or INTENTIONALLY TRYING to be a noob.
Bass kar Bhai kitna mislead karega.
Ab comparison karle Amazon Pay CC.😤😤
Chal GN!!😀😑
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helloworld
TF Legend
You're right apologies. Indeed amazonpay ICICI is truly LTF card.
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Even though you pay joining fees for these cards, both Ashva and Mayura cards have some decent value for 1 year. That’s the summary of the total thread.
Everything’s depends on individual case. I am saying overall.
See the first year fees is covered with cashback and reward points. So you lose basically GST and redemption fees. I have used BMS 1+1 every month and recently used 0% forex markup on international txns. Coming to form factor atleast 10 people loved it watching the card (Mayura) and asked which bank card and all. As many times discussed this card is only better for holding 1 year and there is no point in spending milestone spends.
Finally after closure you can keep the card as collectible. Sometimes cards has to be collected for their form factor. Finally depends on every individual choice and approach.
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