card_explorer
TF Buzz
Hi all,
I have been using Axis Vistara Infinite as my primary card for last 1.25yr. I'm planning to close the card this yr (my card renews around new year, so I got the Vistara Gold for this year).
I'm trying to figure out what card I should get next. I try to route all transactions through CCs and have a monthly spend in the range of 60-80k per month (sometimes it reaches upto 1L but that's not too common).
I also have some big purchases planned in next few months (~2L total) so I want to try for a premium card that can give good rewards on that. LTF isn't a requirement for me, although I don't want to take a bad deal *cough* Emeralde *cough*
My current set of cards:
ICICI is my main bank account. I asked my ICICI RM about Emeralde private metal, and he said that I'm not eligible (the card requires an ITR of 75L or monthly salary of 6.5L), but offered me paid Emeralde stating that benefits are similar.
What card would give good returns on my spends?
I guess Inifinia would suit my use, but based on other discussions here, I don't think I'll get it anytime soon. Is HDFC DCB my best option?
PS: I've been generally disappointed with the service quality with ICICI (unhelpful and unresponsive RM and poor resolution of recent support cases). So I'm also considering moving my money to a different bank. I don't want a FD linked CC, but I'm mentioning this to ask if I can use this situation while applying for a card? I want to move ~15L-16L out of ICICI.
I have been using Axis Vistara Infinite as my primary card for last 1.25yr. I'm planning to close the card this yr (my card renews around new year, so I got the Vistara Gold for this year).
I'm trying to figure out what card I should get next. I try to route all transactions through CCs and have a monthly spend in the range of 60-80k per month (sometimes it reaches upto 1L but that's not too common).
I also have some big purchases planned in next few months (~2L total) so I want to try for a premium card that can give good rewards on that. LTF isn't a requirement for me, although I don't want to take a bad deal *cough* Emeralde *cough*
My current set of cards:
- Axis vistara infinite: 8.2L limit
- ICICI Coral LTF: 9.8L limit
- ICICI Amazon pay: 9.8L limit (shared with coral)
ICICI is my main bank account. I asked my ICICI RM about Emeralde private metal, and he said that I'm not eligible (the card requires an ITR of 75L or monthly salary of 6.5L), but offered me paid Emeralde stating that benefits are similar.
What card would give good returns on my spends?
I guess Inifinia would suit my use, but based on other discussions here, I don't think I'll get it anytime soon. Is HDFC DCB my best option?
PS: I've been generally disappointed with the service quality with ICICI (unhelpful and unresponsive RM and poor resolution of recent support cases). So I'm also considering moving my money to a different bank. I don't want a FD linked CC, but I'm mentioning this to ask if I can use this situation while applying for a card? I want to move ~15L-16L out of ICICI.
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