Suggest LTF Creditcard primarily for movie, offline and utilities

[Raghav2006]

Hello everyone.
Please suggest me some LTF credit card for ITR of 14l.
Current credit cards are-

Rubyx LTF 4.3l
Apay LTF 4.3l (shows seperately in onescore but not sure if limit is shared)
Tata Neu Plus LTF 2l
Kotak League LTF 2L

Also please provide me with information if HDFC saving max can be opened online as I am looking to open it for LTF offer to regalia gold (priority pass is needed) and credit card bill payment 1%.

Thanks

 

[Kumar93196]

Au lit card

 

[Raghav2006]

Au lit card

Sir, looking only for LTF, no free cards as usage is minimal.

 

[Raghav2006]

@vaibhav111 @SSV please help guys

 

[Kumar93196]

Sir, looking only for LTF, no free cards as usage is minimal.

Than go for idfc.

 

[Raghav2006]

Than go for idfc.

Which card and how to get it?

 

[hellobois]

Some good LTF cards -
1. AU LIT
2. IDFC First Select or lower variant
3. HSBC Platinum

Apply from 3rd party apps like Cashkaro, gromo and get additional benefits like 1000-2000 on credit card application.

Send me 500 after every approval 😀

 

[Kumar93196]

Check your Dm

Which card and how to get it?

 

[Raghav2006]

Some good LTF cards -
1. AU LIT
2. IDFC First Select or lower variant
3. HSBC Platinum

Apply from 3rd party apps like Cashkaro, gromo and get additional benefits like 1000-2000 on credit card application.

Send me 500 after every approval 😀

Haha, will check for Lit and Platinum.
Tried IDFC online last year and month as well. It does enquiry on cibil and still offers only Wow card. Even though employer is listed as LTF cards with all major banks like ICICI, HDFC, AXIS and AU

 

[vaibhav111vaibhav111 is verified member.]

Hello everyone.
Please suggest me some LTF credit card for ITR of 14l.
Current credit cards are-

Rubyx LTF 4.3l
Apay LTF 4.3l (shows seperately in onescore but not sure if limit is shared)
Tata Neu Plus LTF 2l
Kotak League LTF 2L

Also please provide me with information if HDFC saving max can be opened online as I am looking to open it for LTF offer to regalia gold (priority pass is needed) and credit card bill payment 1%.

Thanks

pls give a example how much you be spending in a month an estimate or big spend around the corner then on which product/ service so we can help out and don't get fixated with LTF, take paid cc if it work for you cause of MCC should be eligible hence it will give better reward to your spending.
regarding hdfc saving you already took co-branded first so chance of ltf could be very slim. look out for 1% cashback on bill payment and on which variant it applicable or start with cause i have imperial so I'm not sure from which saving variant it start from or which saving variant is eligible.

 

[vaibhav111vaibhav111 is verified member.]

my bad didn't read some of replied so only ltf and that too for movies, offline and utilities then for with idfc cc, cause it fits in your criteria.

 

[Raghav2006]

my bad didn't read some of replied so only ltf and that too for movies, offline and utilities then for with idfc cc, cause it fits in your criteria.

Sir I tried IDFC last month and year as well only offered Wow secured.
Credit score is 780+ no defaults and credit utilisation is under 5%.
And for HDFC account I saw on forum that Saving max account requires 25k balance only and gives free debit card with 1% back till 750rs.

 

[Raghav2006]

P

Ok sir.
Expenses are around 10-15k a month UPI different expenses. 4-5k average utilities and offline tap to pay 4-5k atleast restaurant, food shops. Apparel not fixed take above 5k and wifi is paid per annum on the wifi company’s app it self.

Plus occasional amazon flipkart purchases and some swiggy zomato each month(not considerable amount).

 

[Raghav2006]

This year there is gonna be some gold purchases from tanishq upwards of 3-4L hence looking for ways to upgrade to tata neu infinity both ltf and paid will work or some other card can provide better value for offline tanishq?

 

[vaibhav111vaibhav111 is verified member.]

This year there is gonna be some gold purchases from tanishq upwards of 3-4L hence looking for ways to upgrade to tata neu infinity both ltf and paid will work or some other card can provide better value for offline tanishq?

interesting then amex plat with 4L could be good option then cause you want LTF and it will beFYF and get 40,000 MR point and redeemed for amazon and close the cc if 5k annual fees is asked for next year, just trying to honest and look for axis atlas too but it 5k with joining/welcome offer though these two are the best with idfc vistara could be i think jewellery mcc will not be considered in both so amex plat travel would be only option.

 

[Raghav2006]

interesting then amex plat with 4L could be good option then cause you want LTF and it will beFYF and get 40,000 MR point and redeemed for amazon and close the cc if 5k annual fees is asked for next year, just trying to honest and look for axis atlas too but it 5k with joining/welcome offer though these two are the best with idfc vistara could be i think jewellery mcc will not be considered in both so amex plat travel would be only option.

How much will be the expected return on AMEX?
And how will I receive it?

 

[vaibhav111vaibhav111 is verified member.]

How much will be the expected return on AMEX?
And how will I receive it?

in percentage wise spending 4 lakhs and in exchange 40,000 MR point equivalent to 20,000 taj GV. or add mrcc too after 3 weeks and go for gold collection where 18MR will get you 6k amazon voucher or myntra 7k voucher, it best value it for Transfer points to a participating loyalty program.

 

[pxg]

interesting then amex plat with 4L could be good option then cause you want LTF and it will beFYF and get 40,000 MR point and redeemed for amazon and close the cc if 5k annual fees is asked for next year, just trying to honest and look for axis atlas too but it 5k with joining/welcome offer though these two are the best with idfc vistara could be i think jewellery mcc will not be considered in both so amex plat travel would be only option.

AmEx does not allow gold/jewellery swipes unless the card is 6 months old so please keep that in mind. You can try buying tanishq vouchers but not sure if those work for high value txns.