Hi Guys, I would appreciate some help regarding the following. I currently have the below-listed credit cards, and I am looking at getting a super premium credit in the next 2-3 months.
- I have a pre-approved offer for Axis Magnus.
- I am interested in getting HDFC Infinia or DCB, but I do not think I can get it because I tried to get it via my RM by showing my payslips, and the fact that my TRV is above Rs. 30L including family accounts (parents bank with the same branch as well) has not helped, even though they gave Imperia banking status because of that while my account balance is much lower than the qualifying amount of Rs. 10L MAB. I am thinking of trying again to get Infinia/DCB by giving an ultimatum to the BM in June once I have the ITR for this year as that should be high enough (because HDFC does not understand any other language). Just showing my payslips will not help since a lot of my pay is via bonuses and RSUs.
- I am also considering getting SBI Aurum and ICICI Emeralde.
For banking relationships, I have an account with Axis, ICICI, and HDFC banks. None of them have a super high balance as most of it ends up getting invested.
In 2024, my spending via CCs is between Rs. 25L-30L. This might not be consistent every year though, 2023 was much lower, and I doubt 2025 will be as high as 2024. I got the AmEx Platinum Charge via the 135k bonus offer, but I don't see any point in renewing it, might get it if they again have a similar offer, but 135k will be less for 2025, need something close to or above 150k to tempt me again considering I will not have as much travel in 2025 as in 2024. So I will be canceling it by the end of this month or early next month.
I was using AmEx Platinum for lounge access everywhere, but before that for simplified lounge access, I got the Zenith+ since it offers 4 visits per quarter for both domestic and international lounges. (might cancel it if the benefits change or if they make lounge access conditional)
I don't have a problem keeping this card for another 2 years until I get a card with better lounge access because the annual fee is essentially just the GST of Rs. 900.
My Credit Cards:
- American Express Platinum Charge Card (canceling in early Jan 2025)
- American Express Platinum Travel Card
- American Express Membership Rewards Card (essentially LTF due to hitting the milestone)
- Flipkart Axis Bank Credit Card
- AU SF Bank Zenith+ Credit Card (for no conditions lounge access)
- HDFC Millennia Credit Card (LTF)
- Tata Neu Infinity Rupay HDFC Credit Card (LTF) (for UPI transactions)
- OneCard South India Bank Credit Card (LTF)
- Amazon Pay ICICI Credit Card (LTF)
- UNI NX Wave Yes Bank Credit Card (LTF) (for 0% forex)
What do you suggest I should do? Which card should I get next? I don't think I am eligible for the luxury invite-only cards right now. And I don't think I can park Rs. 30L in Axis Bank to get the Burgundy status. I am ok with paying the annual fees for a good Super Premium credit card because I don't believe anything good comes for free.
Considering all the context I have provided above,
- Is Axis Magnus worth getting for 2025? (with no Burgundy status)
- Is Samsung Axis Bank Infinite worth getting as a paid card? (I might be upgrading my Samsung phone in Jan/Feb)
- Is SBI Aurum worth trying?
- Is ICICI Emeralde worth trying? (or Private Metal)
- Any other card I should look at based on the context above?
- I have a pre-approved offer for Axis Magnus.
- I am interested in getting HDFC Infinia or DCB, but I do not think I can get it because I tried to get it via my RM by showing my payslips, and the fact that my TRV is above Rs. 30L including family accounts (parents bank with the same branch as well) has not helped, even though they gave Imperia banking status because of that while my account balance is much lower than the qualifying amount of Rs. 10L MAB. I am thinking of trying again to get Infinia/DCB by giving an ultimatum to the BM in June once I have the ITR for this year as that should be high enough (because HDFC does not understand any other language). Just showing my payslips will not help since a lot of my pay is via bonuses and RSUs.
- I am also considering getting SBI Aurum and ICICI Emeralde.
For banking relationships, I have an account with Axis, ICICI, and HDFC banks. None of them have a super high balance as most of it ends up getting invested.
In 2024, my spending via CCs is between Rs. 25L-30L. This might not be consistent every year though, 2023 was much lower, and I doubt 2025 will be as high as 2024. I got the AmEx Platinum Charge via the 135k bonus offer, but I don't see any point in renewing it, might get it if they again have a similar offer, but 135k will be less for 2025, need something close to or above 150k to tempt me again considering I will not have as much travel in 2025 as in 2024. So I will be canceling it by the end of this month or early next month.
I was using AmEx Platinum for lounge access everywhere, but before that for simplified lounge access, I got the Zenith+ since it offers 4 visits per quarter for both domestic and international lounges. (might cancel it if the benefits change or if they make lounge access conditional)
I don't have a problem keeping this card for another 2 years until I get a card with better lounge access because the annual fee is essentially just the GST of Rs. 900.
My Credit Cards:
- American Express Platinum Charge Card (canceling in early Jan 2025)
- American Express Platinum Travel Card
- American Express Membership Rewards Card (essentially LTF due to hitting the milestone)
- Flipkart Axis Bank Credit Card
- AU SF Bank Zenith+ Credit Card (for no conditions lounge access)
- HDFC Millennia Credit Card (LTF)
- Tata Neu Infinity Rupay HDFC Credit Card (LTF) (for UPI transactions)
- OneCard South India Bank Credit Card (LTF)
- Amazon Pay ICICI Credit Card (LTF)
- UNI NX Wave Yes Bank Credit Card (LTF) (for 0% forex)
What do you suggest I should do? Which card should I get next? I don't think I am eligible for the luxury invite-only cards right now. And I don't think I can park Rs. 30L in Axis Bank to get the Burgundy status. I am ok with paying the annual fees for a good Super Premium credit card because I don't believe anything good comes for free.
Considering all the context I have provided above,
- Is Axis Magnus worth getting for 2025? (with no Burgundy status)
- Is Samsung Axis Bank Infinite worth getting as a paid card? (I might be upgrading my Samsung phone in Jan/Feb)
- Is SBI Aurum worth trying?
- Is ICICI Emeralde worth trying? (or Private Metal)
- Any other card I should look at based on the context above?
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