New Super Premium/Premium Credit Card recommendation

[slimshady]

Do credit cards in western countries like USA do provide such good reward system as seen in Infinia, Atlas and M4B?
Or is India getting such benefits because we are at nascent stage of CC. So each year as we grow, the CC gets devalued

From what I have seen, they actually have better rewards. Even the mid-tier cards are pretty good.
But there are too many factors that must be taken into account for this, so not as straight forward as one would imagine.

 

[slimshady]

just get it via pre-approved method.

To do that, Atlas must be pre-approved, which it is not. Hence I applied in the first place

 

[Beyond]

Do credit cards in western countries like USA do provide such good reward system as seen in Infinia, Atlas and M4B?
Or is India getting such benefits because we are at nascent stage of CC. So each year as we grow, the CC gets devalued

The same struggle everywhere-



Though US / EU cards has high joining and annual fees compared to India

 

[drabhishek90]

Strange. there was a YouTube video with Axis CC head who said that since a bunch a people in India try to monetise and do illegal transactions like False rent payments, so we had to devalue our cards.
Doesn’t it happen in western countries?

From what I have seen, they actually have better rewards. Even the mid-tier cards are pretty good.

 

[slimshady]

Strange. there was a YouTube video with Axis CC head who said that since a bunch a people in India try to monetise and do illegal transactions like False rent payments, so we had to devalue our cards.
Doesn’t it happen in western countries?

My personal view is that in India we tend to bend the rules to extract as much as possible from a product, which is not necessarily the case in all countries.

 

[drabhishek90]

My personal view is that in India we tend to bend the rules to extract as much as possible from a product, which is not necessarily the case in all countries.

Could be. Let’s see what others have to say in this matter. I’m a novice for foreign CC

 

[drsel]

Could be. Let’s see what others have to say in this matter. I’m a novice for foreign CC

Foreign credit cards do not have better rewards structure and to make it worse, they are really really expensive

 

[drabhishek90]

Foreign credit cards do not have better rewards structure and to make it worse, they are really really expensive

That’s what I thought. This is the future of indian CC market.

 

[Dobbiee]

The same condition was with me a year earlier, then RM suggested to upgrade for regalia gold and then ask for upgrade as I had only 2.1 lacs limit on millennia, I took the upgrade to Regalia Gold with increase in limit to 3 lacs and spend 6 lacs till now in 5 months will approach to grievance next month for upgrade to dcb as they aren't listening now, i tried 4 days ago but they are rejecting every request now.

First criteria to upgrade to DCB would be credit limit of minimum 5 lacs on your current card.
HDFC wont move without it. Try for that first.

 

[aniketkr.sharma]

First criteria to upgrade to DCB would be credit limit of minimum 5 lacs on your current card.
HDFC wont move without it. Try for that first.

I asked to upgrade my limit, I also made a fixed deposit of 2.5 lakhs so that 80% of it will minimum fulfill my credit limit criteria, but they still not preferring that and rejected the request.

 

[Anupama_Jha]

I asked to upgrade my limit, I also made a fixed deposit of 2.5 lakhs so that 80% of it will minimum fulfill my credit limit criteria, but they still not preferring that and rejected the request.

They deserve only such type of customers.

Post in thread 'SBI Recognised as the Best Bank of 🇮🇳'

Dec 11, 2024

Check out this. Exclusively crafted for @HumorSimpson and @anonymuos

• Anupama_Jha

 

[Beyond]

I asked to upgrade my limit, I also made a fixed deposit of 2.5 lakhs so that 80% of it will minimum fulfill my credit limit criteria, but they still not preferring that and rejected the request.

You specifically asked for lien and still they refused it! HDFC must be floating in FDs then... 😳

They deserve only such type of customers.

Post in thread 'SBI Recognised as the Best Bank of 🇮🇳'

Dec 11, 2024

Check out this. Exclusively crafted for @HumorSimpson and @anonymuos

• Anupama_Jha

HDFC is very sensitive towards its #1 position among card issuer. The moment it starts to leg behind... it opens the flood gates, and these type of customers get in.

 

[aniketkr.sharma]

You specifically asked for lien and still they refused it! HDFC must be floating in FDs then... 😳

Yes, maybe they are flooding with fds but there are few customers who want to make there unsecured card to half secured, i think some of them don't even read our emails they are just sending generic replies with rejection.

I may need to go for escalations to pno

 

[theXfactor]

Strange. there was a YouTube video with Axis CC head who said that since a bunch a people in India try to monetise and do illegal transactions like False rent payments, so we had to devalue our cards.
Doesn’t it happen in western countries?

In our country, a good no. of people are less honest but more loyal while in western countries it's the other way round.

 

[aniketkr.sharma]

In our country, a good no. of people are less honest and more loyal while in western countries it's the other way round.

200% right western never depends and move on with there honesty

 

[puneri.jaws]

Is Axis Magnus worth getting for 2025? (with no Burgundy status)
>>>without burgundy no. Go for atlas

- Is Samsung Axis Bank Infinite worth getting as a paid card? (I might be upgrading my Samsung phone in Jan/Feb)
>> festive seasson will provide almost similar offers. So no point of paying for this card. Go for it only if LTF

- Is SBI Aurum worth trying?
>> Clear No
- Is ICICI Emeralde worth trying? (or Private Metal)
>>Emeralde PVC card >> clear no
>> Emeralde Metal>> movie + Lounge those are stand out benefits of this card.. iCIC just have Air india as miles partner then for rewards yatra, Easemytrip or Apple or Tanishq.
You alrey have card for Lounge.
if you gonna use easemytrip, yatra, Apple or tanishq vouchers or Air india loyalty program then only Go for Emeralde Metal. Just for movies it is not worth paying gst of 2250₹ as you getting annual fees back as rewards.
I am closing my Metal Card in 2-3 days

- Any other card I should look at based on the
context above?
>> keep trying for Infinia. Till time get Regalia Gold LTF. And keep using Regalia gold with atlas. Depends on your total spends and card rewards monthly capping.

Would you be willing to share how you got your emeralde metal card?

 

[Shubham330]

Would you be willing to share how you got your emeralde metal card?

I was holding Sapphiro with 9.2 L limit and had offer of paid Vanilla Emeralde card.

So I called my RM to try for Emeralde Metal insted of Emeralde PVC.
But after 15 days of trying she said it's not possible.

So I upgraded to PVC card insted. But as i was having 9.2L limit got call upfront for upgrade to Metal which i accepted and I got it.


But in accordance with my spends. It was useless to me so i closed it in Nov 2025.

Will take it again if icici adds more miles partner than Air india.

 

[pgarg24]

I was holding Sapphiro with 9.2 L limit and had offer of paid Vanilla Emeralde card.

So I called my RM to try for Emeralde Metal insted of Emeralde PVC.
But after 15 days of trying she said it's not possible.

So I upgraded to PVC card insted. But as i was having 9.2L limit got call upfront for upgrade to Metal which i accepted and I got it.


But in accordance with my spends. It was useless to me so i closed it in Nov 2025.

Will take it again if icici adds more miles partner than Airtel india.

I too have an option available on the app to upgrade from sapphiro to pvc emerald.. but would prefer to have metal emerald.. not upgrading since pvc is chargeable and sapphiro is LTF under alumni offer..

When you upgraded to pvc was it on chargeable basis too? I have 6L limit on sapphiro right now..

 

[Shubham330]

I

I too have an option available on the app to upgrade from sapphiro to pvc emerald.. but would prefer to have metal emerald.. not upgrading since pvc is chargeable and sapphiro is LTF under alumni offer..

When you upgraded to pvc was it on chargeable basis too? I have 6L limit on sapphiro right now..

It was chargable. Metal upgrade doesn't come through app as it's invite only card. Check with RM or any branch persone if you dont have rm

 

[pgarg24]

I

It was chargable. Metal upgrade doesn't come through app as it's invite only card. Check with RM or any branch persone if you dont have rm

I discussed with rm and they said u need to have 5cr trv for metal😂😂
For metal upgrade you got a call when u upgraded to pvc right? Was it just after pvc upgrade or u have to wait for some time before that call was triggered?