Which card to apply for; for using post 1L in Magnus

[isatyajeet]

It's only been 3 months with Magnus. I made a post initially, when I was wondering if I should get this card or not, I wasn't sure because I thought I won't be able to utilise it to its fullest. Thanks to this community, I made the right choice. I'm reaching the milestone every month. No, I'm not spending unnecessary just to reach to the milestone. I have it under control. I am also learning new things about Miles game every day!
But I am using Magnus post 1L as well, because I don't have any other good card. Limit for Magnus is 5L. I also have a LTF Regalia, which is only 6 months old, but the limit is not much, 2.3L, so I'm not expecting to get Infinia any time soon. Then I have a LTF IndusInd Legend, which is just useless for me, and then I have an Amazon Pay card.

Which card should I add in my small portfolio? I have read posts similar to this, and people recommended Reserve a lot. The thing is, although I am reaching 1L milestone easily, and I am sure I'll be able to reach it many more times in upcoming months, I still can't justify the Joining fees of Reserve. It's a great card, with great lifestyle benefits, but I don't have that lifestyle, not right now.

Thanks!

 

[kkk]

Dear @kkk ,
You are absolutely right in understanding what I am trying to convey but as per my experience till now I know that if we qualify for the annual fee waiver, the process that happens is that first an annual fee including gst is charged then either in the same statement or in next statement it is shown as reversed.
So according to my philosophy the Axis system will send an alert to Thriwe that annual fee is paid, but thriwe will not come to know when it is reversed, so according to that logic, we must be getting a Tatacliq voucher even after meeting Annual fee waiver.
Note: I maybe completely wrong in this logic as I have not been using this card since a year and neither confirmed this from customer care.
I would highly request a knowledgeable and experienced Magnus card holder to comment on this topic who has some real clarity.

That would be hacky way I guess. as per T&C,

 

[CVR]

That would be hacky way I guess. as per T&C,
View attachment 10163

There are people who are getting the card first year free and still getting the tata cliq voucher so if you hit the 15 lakh spends and get fee reversed i think you will get tata cliq voucher

 

[kkk]

There are people who are getting the card first year free and still getting the tata cliq voucher so if you hit the 15 lakh spends and get fee reversed i think you will get tata cliq voucher

Hmm, lets hope it works when it's renewed.

 

[ChurningNoob]

I would Say

Magnus + Atlas (In case of no overseas spending)

Magnus + Reserve (In case of high overseas spending)

Magnus + Atlas + Reserve .... for 30L+ Spending


Further,
For more benefit

Read ATLAS as (Atlas for Offline & Hotel + SBI Cashback for all online)

Atlas is of no use if there are not much travel or hotel bookings

 

[rayhan12]

Dear @kkk ,
You are absolutely right in understanding what I am trying to convey but as per my experience till now I know that if we qualify for the annual fee waiver, the process that happens is that first an annual fee including gst is charged then either in the same statement or in next statement it is shown as reversed.
So according to my philosophy the Axis system will send an alert to Thriwe that annual fee is paid, but thriwe will not come to know when it is reversed, so according to that logic, we must be getting a Tatacliq voucher even after meeting Annual fee waiver.
Note: I maybe completely wrong in this logic as I have not been using this card since a year and neither confirmed this from customer care.
I would highly request a knowledgeable and experienced Magnus card holder to comment on this topic who has some real clarity.

I have received the 10k voucher and my Magnus is FYF.
I have not claimed the voucher yet.

 

[ronnie147]

Not sure. Standard chartered is very strict with issuing cards. I had manhattan and upgraded to ultimate. So the trick is apply low end card, apply for limit increase and then apply ultimate via online portal

If you have DCB or infinia and apply for SC ultimate using C2C, is it easy or same issue?

 

[RewardsAlert]

That would be hacky way I guess. as per T&C,
View attachment 10163

@kkk
I personally would not consider it a hacky way but as a loophole in their system as we are not forcing them/doing something unethical for procuring that Tatacliq voucher even after reaching the annual fee waiver, but it is their poor system that is trained in such a way that annual fee first needs to be charged then get reversed to the card account. So it's a one sided win for the consumers like us, and a opportunity cost for the people who were only concerned for spending 12L and letting go of the remaining 3L to achieve the waiver. Now that this topic is enlightened, more people would be encouraged to spend 1.25L pm or 15L annually in order to receive 8.8% value back on the additional 3L spent. Thanks for sharing your opinion.

 

[Avijeet]

Atlas is of no use if there are not much travel or hotel bookings

Yes agree .... but Travel gives the max value .... in comparison to vouchers ...

Totally depends on your need ....