- CC decision should be based on which categories we spend, how much, acceptance in our surroundings.
- Then look for cards and apply based on their service availablity and our income.
If all matches and CIBIL in good position, we can get any card without any bank account.
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Btw, premium accounts that required mentioned MAB doesn't have good credit cards.
Ex: IDFC Wealth, AXS Priority, AU Royal etc. all of these cards not good.
And, btw - you definitely loose interest by keeping that in savings account.
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And, I believe in India its 5L not 500k.. According to my knowledge.