Reward Point vs Cashback Card & My journey of cc i have collected so far

[vaibhav111vaibhav111 is verified member.]

 

[souvikdey2002]

My role is also very similar which includes my colleagues as well 😂.

Yes, that part I forget to mention. Includes them as well.

 

[Souvik]

It's a democratic country so we respect everybody's choice.
On a personal note my only motto to take as LTF as possible just to save money.
I have many family members who earns but don't how to get the maximum discounts from any sale(Amazon/Flipkart)
So basically for all of them & off course my own interest directed me to get those but again without giving any money to any bank.

P:S:- So far only one card I took knowingly that I may be charged is Union Bank Rupay Wellness JCB Credit Card. Don't even know whether it will be approved.

True absolutely I make use of my colleagues cards for discounts without having the hassle of actually owning it.

No frills, less baggage life.

 

[souvikdey2002]

Y

True absolutely I make use of my colleagues cards for discounts without having the hassle of actually owning it.

No frills, less baggage life.

Yes, that's what exactly I'm trying to own them.
It's very embarrassing to ask for a Credit Card to somebody even who is my close.

 

[cherryj1988]

When does HDFC give first update on first CC (limit/variant upgrade)

i got my first hdfc limit upgrade after ~8months

 

[cherryj1988]

How much was the upgrade
What about variant upgrade

Wasnt too much. I had millenia with ~1.5L got upgraded to 1.9. Think variant upgrade i can only get after i cross whatever is regalia threshold but honestly for me millenia is better than regalia

 

[007]

Wasnt too much. I had millenia with ~1.5L got upgraded to 1.9. Think variant upgrade i can only get after i cross whatever is regalia threshold but honestly for me millenia is better than regalia

Have heard from here base limit for Regalia is 3 lacs. I have Millenia too, suits me better according to my spends.

 

[AllSeeker]

Have heard from here base limit for Regalia is 3 lacs. I have Millenia too, suits me better according to my spends.

Millennia is also super card for me.

Honestly its limit is also sufficient, if I was not interested in infinia I would not bother to check either LE or Upgrade options either.

 

[Souvik]

Though Millennia has a capping but in terms of cashbacks it's better than Regalia i can say, i hope you have airport lounge access of Millennia too.

 

[007]

Though Millennia has a capping but in terms of cashbacks it's better than Regalia i can say, i hope you have airport lounge access of Millennia too.

Yeah 2 per quarter. Regalia has some international lounge access too, not for Millenia.

 

[007]

Millennia is also super card for me.

Honestly its limit is also sufficient, if I was not interested in infinia I would not bother to check either LE or Upgrade options either.

True, we need to upgrade if we want Infinia someday.

 

[Souvik]

Yeah 2 per quarter. Regalia has some international lounge access too, not for Millenia.

Right the PP is useful if one is travelling abroad