Suggest me a card pretty please!

[nitz19arg]

New to this forum and mind=blown by all the useful information available here.
Members, can you please suggest a good CC to me?

Current salary: 2.4l per month
Current cards :
Axis magnus: 8l cc limit
HDFC regalia first 11.5l cc limit (have this since 10+ years)
HSBC platinum 3l cc limit
Current cibil: 805

Spend habit:
Because I done impulsive online spendings in past and later found myself in situations that I always spend more than I wish, I now generally refrain from using CC for normal day to day spendings. Now I usually only use my CC for any travel booking or high value transactions (2k+) eg. Dining, fuel, high value online shopping etc. On average, total spending is close to 4-5 lakhs every year.

Expectation from next CC:

1. I want to keep only 1 CC going forward and do not mind paying a fee every year (~ 10k), but there should be some benefit/coupon/points for paying this fee.
2. Good number of lounge visits is a must, even for add on cards. (my parents frequently use magnus add-on cards)
3. Dining benefits (through easydiner, dineout or similar)

 

[Anindya98]

I would suggest you go for HDFC Infinia. Req HDFC bank as your existing card limit is already 11.5L. Add-on Members also get unlimited lounge access in India & Globally.
Use this portal to calculate your maximum return based on your spending criteria.

HDFC Bank Infinia Credit Card

v.hdfcbank.com

 

[nitz19arg]

I would suggest you go for HDFC Infinia. Req HDFC bank as your existing card limit is already 11.5L. Add-on Members also get unlimited lounge access in India & Globally.
Use this portal to calculate your maximum return based on your spending criteria.

HDFC Bank Infinia Credit Card

v.hdfcbank.com

I spoke to HDFC RM, she told me best I can get is Regalia Gold. Infinia is invite only and she cannot do anything.

 

[Anindya98]

I spoke to HDFC RM, she told me best I can get is Regalia Gold. Infinia is invite only and she cannot do anything.

I think you have some existing relationship/ Salary Account in HDFC based on your limit. Better directly talk with the BM or email the grievance team reading your request that you have been a loyal customer of HDFC for the last 10+ years go back and fourth with them. Surely they will upgrade you to Infinia.

 

[girish3456]

New to this forum and mind=blown by all the useful information available here.
Members, can you please suggest a good CC to me?

Current salary: 2.4l per month
Current cards :
Axis magnus: 8l cc limit
HDFC regalia first 11.5l cc limit (have this since 10+ years)
HSBC platinum 3l cc limit
Current cibil: 805

Spend habit:
Because I done impulsive online spendings in past and later found myself in situations that I always spend more than I wish, I now generally refrain from using CC for normal day to day spendings. Now I usually only use my CC for any travel booking or high value transactions (2k+) eg. Dining, fuel, high value online shopping etc. On average, total spending is close to 4-5 lakhs every year.

Expectation from next CC:

1. I want to keep only 1 CC going forward and do not mind paying a fee every year (~ 10k), but there should be some benefit/coupon/points for paying this fee.
2. Good number of lounge visits is a must, even for add on cards. (my parents frequently use magnus add-on cards)
3. Dining benefits (through easydiner, dineout or similar)

2.4l per month. Voila

What will you do with such a big salary per month

 

[girish3456]

I would suggest you go for HDFC Infinia. Req HDFC bank as your existing card limit is already 11.5L. Add-on Members also get unlimited lounge access in India & Globally.
Use this portal to calculate your maximum return based on your spending criteria.

HDFC Bank Infinia Credit Card

v.hdfcbank.com

Even HDFC DCB is good. It gives unlimited domestic and international airport lounge access to primary and add-on card members

 

[Beyond]

SBI cashback, get it now when you have less number of cards active

 

[anirban.choudhuryanirban.choudhury is verified member.]

New to this forum and mind=blown by all the useful information available here.
Members, can you please suggest a good CC to me?

Current salary: 2.4l per month
Current cards :
Axis magnus: 8l cc limit
HDFC regalia first 11.5l cc limit (have this since 10+ years)
HSBC platinum 3l cc limit
Current cibil: 805

Spend habit:
Because I done impulsive online spendings in past and later found myself in situations that I always spend more than I wish, I now generally refrain from using CC for normal day to day spendings. Now I usually only use my CC for any travel booking or high value transactions (2k+) eg. Dining, fuel, high value online shopping etc. On average, total spending is close to 4-5 lakhs every year.

Expectation from next CC:

1. I want to keep only 1 CC going forward and do not mind paying a fee every year (~ 10k), but there should be some benefit/coupon/points for paying this fee.
2. Good number of lounge visits is a must, even for add on cards. (my parents frequently use magnus add-on cards)
3. Dining benefits (through easydiner, dineout or similar)

Since you didn't mention, whether you want a airmiles card or voucher cashback card

I assume you are looking for a card which offers lifestyle benefits + options for vouxher Redemption of points.

You can opt for Yes Marquee
Strong online reward rate of 4.5%
Good online forex reward rate
Fees 10k
Well compensated with vouchers

6 domestic lounge access per quarter sharable with add-ons

Unlimited international lounge for primary + addon

Golf benefits

Bogo benefits on BMS

15% off on dining through Yes dining Programe on partnered restaurants.


Another option is upgrade your regalia gold to Infinia.
Except BMS you will get everything else.

 

[Anindya98]

SBI cashback, get it now when you have less number of cards active

He needs lounge benefits for both Primary & add on so Cashback SBI is out of the question

 

[Itachi_UchihaItachi_Uchiha is verified member.]

ICICI emeralde private will be a good choice. 3% reward rate with offers like BOGO in BMS, Spa, unlimited domestic and international lounges (for add ons as well). Also, you get vouchers worth the joining fee.. you can consider this!!!

 

[Anindya98]

ICICI emeralde private will be a good choice. 3% reward rate with offers like BOGO in BMS, Spa, unlimited domestic and international lounges (for add ons as well). Also, you get vouchers worth the joining fee.. you can consider this!!!

Can you share the ICICI Emerald rewards structure and how to maximize the benefits?

 

[Itachi_UchihaItachi_Uchiha is verified member.]

Can you share the ICICI Emerald rewards structure and how to maximize the benefits?

I don’t own the card myself but I just happened to read about it somewhere in TF. That’s why posted it here. Maybe someone here in the community who uses the card can help you…

 

[nitz19arg]

ICICI emeralde private will be a good choice. 3% reward rate with offers like BOGO in BMS, Spa, unlimited domestic and international lounges (for add ons as well). Also, you get vouchers worth the joining fee.. you can consider this!!!

Thank you for this suggestion. I see this is a newly launched card. And it pretty much matches my expectation. Just one dout, do i get the welcome benefits every year on repaying the yearly fee?

Also, I dont have an ICICI account, should I reach out to bank directly asking for this card?

 

[nitz19arg]

Since you didn't mention, whether you want a airmiles card or voucher cashback card

I assume you are looking for a card which offers lifestyle benefits + options for vouxher Redemption of points.

You can opt for Yes Marquee
Strong online reward rate of 4.5%
Good online forex reward rate
Fees 10k
Well compensated with vouchers

6 domestic lounge access per quarter sharable with add-ons

Unlimited international lounge for primary + addon

Golf benefits

Bogo benefits on BMS

15% off on dining through Yes dining Programe on partnered restaurants.


Another option is upgrade your regalia gold to Infinia.
Except BMS you will get everything else.

Thank you for suggestion.
yes Marquee has a cap on add on card lounge visit, so it may not suit me.

Infinia: i reached out to my RM but she was unable to see me eligible for Infinia.

 

[Anindya98]

Infinia: i reached out to my RM but she was unable to see me eligible for Infinia.

Email the bank or reach out to your BM he can get you Infinia based on your usage & relationship with the Bank