Seeking the Best Premium Card for US Expenses

[ElectricLight]

I am seeking a credit card to handle my expenses in US, and as I'm leaving in approximately 45 days, I need to acquire this card as soon as possible. My plan is to route my transactions through this card and settle all expenses from India. Lounge Access would be an added benefit.

I currently hold an HDFC Imperia account & Moneyback card (70K limit). I don't have any upgrade offers. In terms of Credit History, my Experian score is 850, CIBIL is 780. As a student, I don't have a personal income source. I'm open to securing the card with a FD of up to 15 Lakhs or improving the NRV by switching banks if necessary.

Thanks, I await your recommendations!​

 

[saurabhduasd]

Zolve credit card may check, it builds your US credit history and no LRS hassle

 

[luciferlucifer is verified member.]

Zolve credit card may check, it builds your US credit history and no LRS hassle

Zolve does not gives cc to B1/B2 visa holders i think

 

[ElectricLight]

Zolve credit card may check, it builds your US credit history and no LRS hassle

Appreciate your advice, I've been in the US for 14 months, using a Zolve card with a $2500 limit. Even though the experience hasn't been entirely satisfactory (I will share mine at some point), it has, on the brighter side, helped in building my credit score.

Based on my understanding of the LRS, it doesn't apply until I exceed 7L, so I plan to keep my personal expenses within that limit. For education, the rate will be 5% for amounts exceeding 7L. I believe choosing the right credit card could potentially soften the blow of this tax.