Upgrading to premium credit cards based on spending

[ankitfintech]

Hello everyone,
I have a major spending lined up which I have to complete in a month. The amount is around 15L. The transaction will not fetch me any reward points and it will incur a transaction fee of 0.72% if I use credit card.
Are there guaranteed card upgrades which we can get based on spending? For example we do get upgraded to Infinia if we spend 7.5L in last 6 months.
Are there similar upgrade we can get based on spending which will justify the 0.72% transaction charge.

My current card list -
Hdfc DCB LTF
Axis Magnus Burgundy LTF(based on burgundy bank account)
IDFC Wealth LTF
Icici Saphiro LTF
AU Zenith LTF


@anirban.choudhury @Wealth is my birth right!

 

[Wealth is my birth right!]

Hello everyone,
I have a major spending lined up which I have to complete in a month. The amount is around 15L. The transaction will not fetch me any reward points and it will incur a transaction fee of 0.72% if I use credit card.
Are there guaranteed card upgrades which we can get based on spending? For example we do get upgraded to Infinia if we spend 7.5L in last 6 months.
Are there similar upgrade we can get based on spending which will justify the 0.72% transaction charge.
@anirban.choudhury @Wealth is my birth right!

Maybe ur current card list will add more insights to decide pls

 

[SSV]

Maybe ur current card list will add more insights to decide pls

Very basic and essential question in this context

 

[Wealth is my birth right!]

Very basic and essential question in this context

15l spend definitely a big mdr for bank
Just lets get back a small pie out of it to the best possible

 

[ankitfintech]

@SSV @Wealth is my birth right!
Added current card list in the original question..

 

[SSV]

@SSV @Wealth is my birth right!
Added current card list in the original question..

So, would you want to aim for infinia on the basis of your DCB with the help this planned spend or not?

 

[ankitfintech]

So, would you want to aim for infinia on the basis of your DCB with the help this planned spend or not?

That is one option. I want to explore all other upgrades which are possible and then finalize on the most beneficial one.

 

[SSV]

That is one option. I want to explore all other upgrades which are possible and then finalize on the most beneficial one.

The next best option would be on ICICI Sapphiro..
You would most likely get upgrade offer of Emeralde private metal or Emeralde pvc ltf..
See here for more details

Post in thread 'ICICI Bank Emeralde Private Metal Credit Card Launched' https://www.technofino.in/community...-metal-credit-card-launched.15348/post-693886

Other upgradation options on your CC portfolio are not worth considering at all..

So in summary, your options are : infinia amd emeralde in this order..

1) spending 8L on DCB to get Infinia and ewst on Sapphiro hoping for some sort of push towards to emeralde
2) If you are no3 keen on infikia for some reason rhen spend entire 15L on Sapphiro and there are 90% chances you get emeralde upgrade offer.

 

[Wealth is my birth right!]

@SSV @Wealth is my birth right!
Added current card list in the original question..

It looks nothing more worthy with idfc and Axis Bank since what u hold from them is good enough
So options are dcb to infinia or saphiro to emerald both upgrades u can aim for metal variants
Try to materialize well

 

[ankitfintech]

>Try to materialize well
What are the things I should be taking care and any strategy tips?