Hannibal

If you hold Platinum Charge thne fee get waived off else you might get 10k MR points against fee paid. Mostly use for completing monthly milestones and 5X gyftr vouchers

What user experience?

@NorthWith Niyo you can withdraw from ATM as well use anywhere. However do note that they will deduct extra 20% as TCS and will refund after 12 days if overall spend doesn't exceed TCS threshold limit. However their system is very good in deducting money but no so in retuning. Had to escalate. My startagy is to use Niyo for cash withdrawal and CC for all other uses. Also ATM withdrawal charges are by bank and will mostly shown in ATM screen

Kafi din se tha nahi yaha, started back as started gaming again

Try applying via ICICI website, provide details and based on profile they will let you know if the card can be offered at LTF. Many people getting offer of LTF now

This will answer most of your queries https://creditcardz.in/scapia-credit-card-review-2023/

If your monthly spends are more than 50k+ and doing/planning 1 international trip in 2 years then having miles cards help you offset part of travel expenses and even allow you experience luxury for fraction of cost. Based on your credit limit, you can ask for upgrade to DCB too.

Showing 48k to me, both the time. Even with offer coming to 43k

How 35k🤔