Induslnd Credit Card

[saitama]

Hey everyone,

This is my first post here, so please pardon any mistakes!

I applied for an Indusind credit card and have been offered the following options with their respective fees. I’m unsure which one to choose, so I’d love your input!

My Spending and Lifestyle​

• Major expenses: Online shopping on Amazon, Ajio, Myntra, and Utility payments (majorly around 10k pm but can go up to 1L in some months)
• Dining out: Occasional, more frequent in Bangalore, but rare while in my hometown (where I am currently).
• Travel: 2-3 flights a year (Delhi to n fro Bangalore).

IndusInd Card Offers​

• Legend - Lifetime Free (LTF)
• Platinum Visa - LTF
• Platinum Aura Edge Visa - LTF
• EazyDiner IndusInd Bank Credit Card - ₹1,999
• Qatar Airways - IndusInd Bank Avios Visa Infinite - ₹40,000
• British Airways - IndusInd Bank Avios Visa Infinite - ₹40,000
• RuPay Platinum Card - LTF
• IndusInd Bank Pinnacle Credit Card - ₹5,000
  • The fee and image shown are different than what's shown on the website (ss attached)
• EazyDiner IndusInd Bank Platinum Credit Card - LTF

My Current Credit Cards​

• SBI Cashback
• SBI SimplyClick
• HDFC Millenia
• HDFC Swiggy
• BOB Premier
• Airtel Axis
• ICICI Amazon Pay
• ICICI Sapphiro
• PNB RuPay Platinum

I already have a variety of cashback-focused cards and am considering focusing on cards that offer lounge access and priority pass benefits. Do you guys think this is the right approach, or should I be optimizing for something else? Appreciate your thoughts!

 

[Boy 07]

Get Indusind Pinnacle, if you can't manage 50k spends, just transfer money to your account with services like snapay - it will cost you like 590rs. But reward points will cover some of the expense (better if you have hdfc platinum debit card to pay cc bill as it will cover additional cost by giving some reward) -
This card will give you 1 domestic lounge /qtr and
2 international lounge / qtr
Then get 0MAB indusind exclusive account using pinnacle card which will give you exclusive debit card (you can get both mastercard and visa variant) with no charges -
This card will give you 1 "Indian" airport lounge / qtr and 3 BMS BOGO and rewards on paying cc bills

indusind bank declined the application after all process by saying that there are too much enquiries in last 6 months what to do and when i will be able to apply again