Looking for Super Premium LTF CC based on a high salary

[Tenet]

Hello All

Currently, I have Axis Magnus and Axis Select as unconditional LTF because of my net salary. I use Amazon so got Amazon Pay CC.

1) My Net Salary is about 5.2lakhs per month and gets deposited into Axis. I can switch the bank but my company only has a tie-up with Axis.
2) I have savings of about 50 lakhs in my Axis bank that I can move to a different bank.
3) I spend about 1 lakh in expenses per month with 10-15k per month in fuel.


I looked into the three below but not sure if any of them offer LTF. Kindly suggest super premium CCs that are available as LTF conditionally/unconditionally.

1) ICICI Bank Emeralde Private Metal Credit Card.
2) Kotak White Reserve Credit Card
3) HDFC INFINIA Credit Card Metal Edition


Thanks

Update - I searched everywhere for CC info but have to say this is the best community. Thanks for your quick replies.

My Axis account is salary account and it is burgundy level. I have HDFC NRE/NRO accounts.

 

[vaibhav111vaibhav111 is verified member.]

Hello All

Currently, I have Axis Magnus and Axis Select as unconditional LTF because of my net salary. I use Amazon so got Amazon Pay CC.

1) My Net Salary is about 5.2lakhs per month and gets deposited into Axis. I can switch the bank but my company only has a tie-up with Axis.
2) I have savings of about 50 lakhs in my Axis bank that I can move to a different bank.
3) I spend about 1 lakh in expenses per month with 10-15k per month in fuel.


I looked into the three below but not sure if any of them offer LTF. Kindly suggest super premium CCs that are available as LTF conditionally/unconditionally.

1) ICICI Bank Emeralde Private Metal Credit Card.
2) Kotak White Reserve Credit Card
3) HDFC INFINIA Credit Card Metal Edition


Thanks

I spend about 1 lakh in expenses per month, with 10-15k per month in fuel. You can get a premium card from any of the options you mentioned, either FYF or paid, and get a reversal because you would be spending 12 lakhs + 15k x 12, so why worry about LTF?

The three options are:

1. ICICI Bank Emeralde Private Metal Credit Card.
2. Kotak White Reserve Credit Card.
3. HDFC INFINIA Credit Card Metal Edition.

All three require an existing relationship for LTF, which you didn't mention. Jumping directly to any premium credit card would be difficult without help from an RM. If you have an existing relationship, you can still get INFINIA. Visit an HDFC branch, let them know you can deposit 20-30 lakhs, and request INFINIA LTF only. Deposit the rest in ICICI Bank. However, there isn't any LTF offer currently available for the Emerlade metal card

 

[D₹V]

2) Kotak White Reserve Credit Card

Easy Peasy!!

Kotak White is being offered LTF to anyone out there, just open an account (even 811 0 MAB), they'll easily offer you white LTF in few months.

I know many who got this even with 2-3L.

And this card is just average.

 

[D₹V]

HDFC INFINIA Credit Card Metal Edition.

Great Choice!

But hard to get LTF. As with 60 Lac ITR, you can easily & direct get Infinia (chargeable) without opening any account with them.

Just visit any nearest branch & apply with income proofs.

LTF is possible if you're lucky. In recent incidents, I've seen Infinia or Millennia (mine) was processed LTF even after showing priced tag while applying. I believe there is some short of process/code error.

Even if it's chargeable you'll get joining/renewal benefits worth annual fees paid i.e. 12500 points excluding GST. Can't predict about future if it devaluates but great valueback for now.

Hope it helps 🤞.

 

[Ankur dhanda]

Add HSBC Premier also to the list if Kotak and ICICI are there.

 

[vaibhav111vaibhav111 is verified member.]

Add HSBC Premier also to the list if Kotak and ICICI are there.

yeah HSBC metal one! do that this too

 

[gamersgzb]

Hello All

Currently, I have Axis Magnus and Axis Select as unconditional LTF because of my net salary. I use Amazon so got Amazon Pay CC.

1) My Net Salary is about 5.2lakhs per month and gets deposited into Axis. I can switch the bank but my company only has a tie-up with Axis.
2) I have savings of about 50 lakhs in my Axis bank that I can move to a different bank.
3) I spend about 1 lakh in expenses per month with 10-15k per month in fuel.


I looked into the three below but not sure if any of them offer LTF. Kindly suggest super premium CCs that are available as LTF conditionally/unconditionally.

1) ICICI Bank Emeralde Private Metal Credit Card.
2) Kotak White Reserve Credit Card
3) HDFC INFINIA Credit Card Metal Edition


Thanks

First of all you should upgrade magnus to magnus for burgundy based on salary 3L+ or AQB 10 L+ ...
REFER to magnus for burgundy thread

Axis Magnus - Rumor with burgundy axis magnus could be LTF (by Sep 2023 it should be official by axis i think you never know though)

Just received confirmation from bank officials that they will provide Magnus LTF for Burgundy customers from Sep 1st onwards

www.technofino.in

 

[D₹V]

yeah HSBC metal one! do that this too

Kindly move this thread to premium cards or suggest card forum if he can also see the thread there.

 

[Quantum]

I have Axis Magnus

Is it Magnus for Burgundy LTF?

2) I have savings of about 50 lakhs in my Axis bank

I assume your account is at least Axis Burgundy.
With the info shared in your post, your Axis Magnus should be a Magnus for Burgundy.
If it isn't, then you must be already qualified for LTF Magnus for Burgundy, might have received some notification from Axis, and high chances are that you already have it.
But it's not clear in absence of Magnus for Burgundy word in your post.
Do get it upgraded if you don't have any plans to close this card anytime soon.

 

[D₹V]

Is it Magnus for Burgundy LTF?

I assume your account is at least Axis Burgundy.
With the info shared in your post, your Axis Magnus should be a Magnus for Burgundy.
If it isn't, then you must be already qualified for LTF Magnus for Burgundy, might have received some notification from Axis, and high chances are that you already have it.
But it's not clear in absence of Magnus for Burgundy word in your post.
Do get it upgraded if you don't have any plans to close this card anytime soon.

Bhai post create karne ke baad kidhar gaya, police abhi pata laga rahi hai.

 

[Tenet]

I spend about 1 lakh in expenses per month, with 10-15k per month in fuel. You can get a premium card from any of the options you mentioned, either FYF or paid, and get a reversal because you would be spending 12 lakhs + 15k x 12, so why worry about LTF?

The three options are:

1. ICICI Bank Emeralde Private Metal Credit Card.
2. Kotak White Reserve Credit Card.
3. HDFC INFINIA Credit Card Metal Edition.

All three require an existing relationship for LTF, which you didn't mention. Jumping directly to any premium credit card would be difficult without help from an RM. If you have an existing relationship, you can still get INFINIA. Visit an HDFC branch, let them know you can deposit 20-30 lakhs, and request INFINIA LTF only. Deposit the rest in ICICI Bank. However, there isn't any LTF offer currently available for the Emerlade metal card

I have HDFC NRE/NRO saving accounts. I can open ICICI and Kotak bank accounts if needed just to start the ball rolling.

 

[Tenet]

Easy Peasy!!

Kotak White is being offered LTF to anyone out there, just open an account (even 811 0 MAB), they'll easily offer you white LTF in few months.

I know many who got this even with 2-3L.

And this card is just average.

Kotak white and white reserve are different So are you talking about the regular one?

 

[Tenet]

First of all you should upgrade magnus to magnus for burgundy based on salary 3L+ or AQB 10 L+ ...
REFER to magnus for burgundy thread

Axis Magnus - Rumor with burgundy axis magnus could be LTF (by Sep 2023 it should be official by axis i think you never know though)

Just received confirmation from bank officials that they will provide Magnus LTF for Burgundy customers from Sep 1st onwards

www.technofino.in

My axis bank account is burgundy level and then I got the Select and Magnus. Do I still need to do this or is it same thing?

 

[D₹V]

Kotak white and white reserve are different So are you talking about the regular one?

My bad. I talked about regular one, I'm sorry.

 

[D₹V]

My axis bank account is burgundy level and then I got the Select and Magnus. Do I still need to do this or is it same thing?

You should ask bank if it is 'Burgundy for Mangnus'?