Which card to use post Regalia Gold and Amex Travel milestones

[Indrajeet100]

I had upgraded to Regalia Gold 5months back and have almost done 7.5lacs spend. Deliberately stopped spend as don't need smartbuy flight voucher as of now. Also done 4lacs on Amex Travel due for renewal in March 25. So no more milestones to be achieved. RG has limit of 4lacs only. I tried getting limit enhanced or upgrade - repeatedly denied though I will meet income criteria for atleast DCB. So no point of doing spends in either of these. I have ICICI Emerald Metal, Yes Marquee, IDFC Select and Mayura, Amex MRCC, Tata Neu Infinity, ICICI Amazon and SBI Simply save rupay. Request suggestion on following options-
1. Continue doing spends of RG in hope of getting upgrade.
2. Do all spends on ICICI Emerald Metal and Yes Marquee. Only problem is education spend which is 1.2lacs quarterly and Emerald has celing of 33k for rewards in a month. Best in portfolio was RG which I managed quarterly milestone with education spend and got 1.5k voucher.
3. Shall I add new card like Axis Travel? Will do 1.25lacs education spend per quarter on this in that case and achieve or maybe BoB Eterna Rupay 7.5lacs annual. Will it be better than doing spends on Regalia Gold?
Remaining cards are just for offers. Don't need lounge access either on these cards as IDFC wealth debit is enough for me.

 

[helloworld]

how much further spends you'll do in next 5 months that helps for recommendations, i.e., before rg or plat travel will start another year?

Based on above, your current options: marquee, emeralde private.

1. can try and get dcb, send mails evry two months.
2 / 3. Eterna only milestone works, regular no points, so think 1% point of view rather 3.75%+1%.

Better option Axis Atlas..

- https://www.technofino.in/community/threads/axis-atlas-vs-hdfc-regalia-gold-vs-axis-horizon.26500/

Or can look amex reserv for that education milestone.

- https://www.technofino.in/community/threads/axis-atlas-vs-hdfc-regalia-gold-vs-axis-horizon.26500/

But as always, spending on RG increases your chances to DCB or Infinia, with or without further spends depends on your dealing through mails / person.

 

[ManojGowda]

I had upgraded to Regalia Gold 5months back and have almost done 7.5lacs spend. Deliberately stopped spend as don't need smartbuy flight voucher as of now. Also done 4lacs on Amex Travel due for renewal in March 25. So no more milestones to be achieved. RG has limit of 4lacs only. I tried getting limit enhanced or upgrade - repeatedly denied though I will meet income criteria for atleast DCB. So no point of doing spends in either of these. I have ICICI Emerald Metal, Yes Marquee, IDFC Select and Mayura, Amex MRCC, Tata Neu Infinity, ICICI Amazon and SBI Simply save rupay. Request suggestion on following options-
1. Continue doing spends of RG in hope of getting upgrade.
2. Do all spends on ICICI Emerald Metal and Yes Marquee. Only problem is education spend which is 1.2lacs quarterly and Emerald has celing of 33k for rewards in a month. Best in portfolio was RG which I managed quarterly milestone with education spend and got 1.5k voucher.
3. Shall I add new card like Axis Travel? Will do 1.25lacs education spend per quarter on this in that case and achieve or maybe BoB Eterna Rupay 7.5lacs annual. Will it be better than doing spends on Regalia Gold?
Remaining cards are just for offers. Don't need lounge access either on these cards as IDFC wealth debit is enough for me.

How about adding another platinum travel? Would that fit well for education spends?

 

[nrj1007]

I had upgraded to Regalia Gold 5months back and have almost done 7.5lacs spend. Deliberately stopped spend as don't need smartbuy flight voucher as of now. Also done 4lacs on Amex Travel due for renewal in March 25. So no more milestones to be achieved. RG has limit of 4lacs only. I tried getting limit enhanced or upgrade - repeatedly denied though I will meet income criteria for atleast DCB. So no point of doing spends in either of these. I have ICICI Emerald Metal, Yes Marquee, IDFC Select and Mayura, Amex MRCC, Tata Neu Infinity, ICICI Amazon and SBI Simply save rupay. Request suggestion on following options-
1. Continue doing spends of RG in hope of getting upgrade.
2. Do all spends on ICICI Emerald Metal and Yes Marquee. Only problem is education spend which is 1.2lacs quarterly and Emerald has celing of 33k for rewards in a month. Best in portfolio was RG which I managed quarterly milestone with education spend and got 1.5k voucher.
3. Shall I add new card like Axis Travel? Will do 1.25lacs education spend per quarter on this in that case and achieve or maybe BoB Eterna Rupay 7.5lacs annual. Will it be better than doing spends on Regalia Gold?
Remaining cards are just for offers. Don't need lounge access either on these cards as IDFC wealth debit is enough for me.

I can suggest 2 options for you:
1. get Axis Atlas. It gives points on Education category.
2. Keep doing it on RG and keep trying for DCB/Infinia upgrade.

Personally, I don't trust Axis as they can anytime block your points and ask for invoices.