Looking for alternate card to replace my Rubyx or Second Card

[ryansat13]

I am currently having Icici Rubyx card this is my only CC since last 10 years and in the past i had multiple cards which i closed after i lost my job .

I was not really focused on reward points and value conversion on card spending since couple of years on the Rubyx, before rubyx i was given Intermiles card which i had used those miles for booking tickets and hotels with intermiles , now that jet privilege is shut and most banks has discontinued their partnership with Intermiles and intermiles also stopped giving full redumption and offering only 50 % point redemption for flights .

I am looking for a secondary card or primary card to replace my Rubyx (after 1 year) as this is my only long serving credit card right now

my basic requirements are 10-12 lounge access a year and some good reward points which i can use for travel only , as i was keen on getting Infinia and told by my RM i am not eligible i am looking for splitting that annual fees into 2-3 cards which can give me spend based benefits and fixed lounge access

i have three cards in mind Amex Platina Travel , Axis Atlas and Hdfc Regalia Gold or i should just take the Amex Platinum .

Also closing my Rubyx card how much it will impact my credit score as its longest running card i have .

 

[aniketkr.sharma]

I am currently having Icici Rubyx card this is my only CC since last 10 years and in the past i had multiple cards which i closed after i lost my job .

I was not really focused on reward points and value conversion on card spending since couple of years on the Rubyx, before rubyx i was given Intermiles card which i had used those miles for booking tickets and hotels with intermiles , now that jet privilege is shut and most banks has discontinued their partnership with Intermiles and intermiles also stopped giving full redumption and offering only 50 % point redemption for flights .

I am looking for a secondary card or primary card to replace my Rubyx (after 1 year) as this is my only long serving credit card right now

my basic requirements are 10-12 lounge access a year and some good reward points which i can use for travel only , as i was keen on getting Infinia and told by my RM i am not eligible i am looking for splitting that annual fees into 2-3 cards which can give me spend based benefits and fixed lounge access

i have three cards in mind Amex Platina Travel , Axis Atlas and Hdfc Regalia Gold or i should just take the Amex Platinum .

Also closing my Rubyx card how much it will impact my credit score as its longest running card i have .

Ask icici to convert rubyx to ltf and keep it for doing 2-3 transaction per year, if closed then it will be a huge loss as it carries 10 years of long credit history. If they don't convert it to ltf then ask for ltf card they can convert your rubyx to.

If you are new to hdfc then they might not offer you RG Directly as for new application they hiked eligibility criteria for RG,

You can also try for idfc select or axis Atlas or bob eterna.

 

[ryansat13]

Ask icici to convert rubyx to ltf and keep it for doing 2-3 transaction per year, if closed then it will be a huge loss as it carries 10 years of long credit history. If they don't convert it to ltf then ask for ltf card they can convert your rubyx to.

If you are new to hdfc then they might not offer you RG Directly as for new application they hiked eligibility criteria for RG,

You can also try for idfc select or axis Atlas or bob eterna.

Okay will check with Icici if they offer be Rubyx LTF or not , No i am not new with HDFC - i have 10 year relationship with them as it was my previous company salary account and i have Imperia account currently . yes they have made minimum salary of 1.5 lakh per month now to be eligible for HDFC RG . same card was offered to my colleague 2 years ago when he had salary of 35k .😒

 

[thewittypanda]

I am currently having Icici Rubyx card this is my only CC since last 10 years and in the past i had multiple cards which i closed after i lost my job .

I was not really focused on reward points and value conversion on card spending since couple of years on the Rubyx, before rubyx i was given Intermiles card which i had used those miles for booking tickets and hotels with intermiles , now that jet privilege is shut and most banks has discontinued their partnership with Intermiles and intermiles also stopped giving full redumption and offering only 50 % point redemption for flights .

I am looking for a secondary card or primary card to replace my Rubyx (after 1 year) as this is my only long serving credit card right now

my basic requirements are 10-12 lounge access a year and some good reward points which i can use for travel only , as i was keen on getting Infinia and told by my RM i am not eligible i am looking for splitting that annual fees into 2-3 cards which can give me spend based benefits and fixed lounge access

i have three cards in mind Amex Platina Travel , Axis Atlas and Hdfc Regalia Gold or i should just take the Amex Platinum .

Also closing my Rubyx card how much it will impact my credit score as its longest running card i have .

Observing your requirements for travel and lounge access, combo of Amex Plat Travel and Axis Atlas makes sense. Can also compliment Amex Plat Travel with Amex MRCC. For your other spends if you want you can have Axis Airtel for Utilities, Yes Kiwi for UPI. Should be good then unless you have other requirements.

 

[Axelblaze]

follwing for info