Need suggestion on Credit Card

[pankajRaj]

Hi Everyone,

I'm following community since few weeks. Please read my credit card journey and give suggestions.

Few months back when coming back from diwali had flight tickets from Lucknow. Wanted to try Lounge but none of my cards worked there.

I had ICICI APay, Platinum, HDFC Moneyback, and Axis my zone card. Limits were also around 1.5L in every cards approx.

Came back to my location did research and got to know that we should always accept limit increase, and card updates. i never updated my cards or limit.

In Axis App got LE now 5.5. got upgrade offer for Atlas and Select. Unfortunately opted for Select due to limited knowledge. didn't researched enough till then to chose Atlas then.

HDFC now LE to 3.35, Upgraded to Millenia.

Also got Ixigo AU LTF.

Last week in Pune airport my AU and Select CC worked in Lounge. and me and wife was happy lol. this was our first time in airport lounge.

so right now i hv
Icici A pay, Platinum and Coral Rupay. 7.5L
hdfc millenia 3.35
Axis Select 5.5
Au ixigo 7.5

i checked in Icici was getting Emeralde but got to know from community its shitty card.
Also getting offered Sapphiro dual LTF.

In Yes also tried to check for Marquee (😆)
getting Reserv FYF.

I seriously aspire to get some premium cards. please suggest future roadmaps and should i get any current cards Reserv FYF or Sapphiro dual variant LTF

Please also guide on future roadmaps for any other premium variants in above banks?

Also probably after this year's ITR filling will try for Bizblack in wife's name from her FnO income. She doesn't hv any credit history. will hdfc give that? she will be clearing the ITR criteria.


My ITR : 22L+ Salaried
Wife ITR : 32L+ Self employed (Fno trading)

Total spends : 7 to 9 L approx (guess)




Thanks in advance.
apologies for long post.

 

[Vasuki]

Hi Everyone,

I'm following community since few weeks. Please read my credit card journey and give suggestions.

Few months back when coming back from diwali had flight tickets from Lucknow. Wanted to try Lounge but none of my cards worked there.

I had ICICI APay, Platinum, HDFC Moneyback, and Axis my zone card. Limits were also around 1.5L in every cards approx.

Came back to my location did research and got to know that we should always accept limit increase, and card updates. i never updated my cards or limit.

In Axis App got LE now 5.5. got upgrade offer for Atlas and Select. Unfortunately opted for Select due to limited knowledge. didn't researched enough till then to chose Atlas then.

HDFC now LE to 3.35, Upgraded to Millenia.

Also got Ixigo AU LTF.

Last week in Pune airport my AU and Select CC worked in Lounge. and me and wife was happy lol. this was our first time in airport lounge.

so right now i hv
Icici A pay, Platinum and Coral Rupay. 7.5L
hdfc millenia 3.35
Axis Select 5.5
Au ixigo 7.5

i checked in Icici was getting Emeralde but got to know from community its shitty card.
Also getting offered Sapphiro dual LTF.

In Yes also tried to check for Marquee (😆)
getting Reserv FYF.

I seriously aspire to get some premium cards. please suggest future roadmaps and should i get any current cards Reserv FYF or Sapphiro dual variant LTF

Please also guide on future roadmaps for any other premium variants in above banks?

Also probably after this year's ITR filling will try for Bizblack in wife's name from her FnO income. She doesn't hv any credit history. will hdfc give that? she will be clearing the ITR criteria.


My ITR : 22L+ Salaried
Wife ITR : 32L+ Self employed (Fno trading)

Total spends : 7 to 9 L approx (guess)




Thanks in advance.
apologies for long post.

Get shappiro ltf .

Idfc wealth ( lounge available for small airport too)
Even idfc wealth dc is good

 

[pankajRaj]

Get shappiro ltf .

Idfc wealth ( lounge available for small airport too)
Even idfc wealth dc is good

Thanks. applied for Sapphiro duo LTF