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Need suggestion to optimize my credit card portfolio
- Thread starter Nishan11
- Start date
Good to have both cards. Will help in maximizing the points.
aniketkr.sharma
TF Premier
Next plan is to request for manual LE after few months.
After that I will play the infinia game 😂
@BVC @Deepak_Shetty @aniketkr.sharma @helloworld
Hdfc is ultra fast. Can see card on app. Added it. Have to wait for delivery to get full card details.
Hdfc is ultra fast. Can see card on app. Added it. Have to wait for delivery to get full card details.
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aniketkr.sharma
TF Premier
Yeah after upgrade message they instantly generate card and maybe tomorrow it will be on your doorstep
Yes, once application is processed they are very fast, but to process application they take lot of time sometimes. You are on the better side.
technoswan
TF Buzz
I would refrain from giving specific advice but please consider this general advice. Hope you find it helpful.
Given you are a HNI.
1. Keep all banks non branded core card if they cost you below ₹600 Annual. {For offers plus every brand have automatic insurance for card holder}
2. keep atleast one card for each network.{Visa, master, rupay (assume Ammex as network itself, they have their own ecosystem)} They all have travel insurance, luggage theft assistance etc.
3. You can just buy lounge access at airport so don't get too carried away for this offering.
Only you know which is beneficial to you based on your emotional and usage pattern.
Good luck. hope this advice finds you well.
Given you are a HNI.
1. Keep all banks non branded core card if they cost you below ₹600 Annual. {For offers plus every brand have automatic insurance for card holder}
2. keep atleast one card for each network.{Visa, master, rupay (assume Ammex as network itself, they have their own ecosystem)} They all have travel insurance, luggage theft assistance etc.
3. You can just buy lounge access at airport so don't get too carried away for this offering.
Only you know which is beneficial to you based on your emotional and usage pattern.
Good luck. hope this advice finds you well.
Thank you. Yes I will keep this in mind & optimize my card portfolio accordingly.
helloworld
TF Legend
1. Isn't it applies for only 1 card even if we have multiple cards? Also, not all of them provides accident insurance.
2. Have to book travel tickets using that card (Closing suggestion because of low rewards not advisable to spend for insurance with those low rewards)
technoswan
TF Buzz
1. I wasnt referring to accident insurance. Visa master have missing luggage by airline, passport theft etc covered, you just have ask cc if you are covered. they can arrange something for you, you wouldnt be stranded abroad without any of your stuff. I am not sure about accident insurance though. I have second hand experience of family member who's bag with passport got stolen, I advice him to tell cc customer care about it. CC paid for week's stay until got copy temp passport issued by embassy.
2. I dint advice on closing any ltf. You could have bought tickets with other card but still theft insurance applies. Airline luggage missing not covered if bought from other card. But If you want de-clutter thats personal choice. I knew someone having 75core+ turnover business only having some amex and vistara, he closed all cc exept this two. Even closed HDFC biz. He wanted simple spend tracking and reaching milestones.
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