hannibal09

Case 2. Cap is on bonus points only NVM, didn't saw it was answered

AFAIK you can call Prestige line and can upgrade without any timeline. However you need to have PM with min 3 Lac limit. Going by recent experience, PM is being issued with limit in range of 1 lac. So you will need to send documents to their head office to limit increase. Getting limit increase is not easy with Citi. Regarding fee, it will be on pro-rata basis. Prestige fee will levied and PM fee will be reversed.

Axis Atlas, Magnus I know of. Others have to check They get added as Authorised user however in personal experience untill you get your own card or loan, cibil score doesn't show

There are many buying groups of whatsapp where you can sell your vouchers at some discount. You can try them

Call Prestige line at +91-22-49181050, 1-800-419-1050, one of group member got rejected so he called these numbers and got Prestige.

Citi mention 4 Primermiles for PM and 4 air miles for Prestige, Hence confusion. No one know for sure how things will be after merger. As per one person having good relationship with axis in my cards group, Axis will offer Reserve to Citi Prestige customers and Atlas to Premiermiles. Edge rewards on Reserve could be converted to edge miles. Axis will try his best to retain Citi customers and Citi have one of the highest per card spends. Take either PM or Prestige as long as you can get it, I don't see any harm SC Ultimate is one of the good card have almost no exclusions for earning points however AFAIK SC Ultimate points can be transferred to BA avios only at very poor ratio.

Prestige and Premiermiles are league apart. They both have different rewards structure. Check my tweet. Mods: if twitter link is against forum rules, please delete the post and I will keep that in mind

Taken any BNPL or pay later product? Dmi Finance is usually Paytm pay later

Yes they are still offering. Even they are running additional 4-5k cashback or voucher offers for new card members. Its best time to take Citi Cards.

Sorry for late reply Axis Atlas is coming up as good option. Citi Premiermiles is also a good option. Both have 2 airmiles for every ₹100 spend and many transferable option. If your profile is good then you can call Citi Prestige line and ask them if you can get Prestige, if they say yes, apply for Premiermiles and if they say know, apply for Prestige. This will ensure you get best conversion to Miles. I had posted a twitter thread on using Citi points, you can check that out too.

There are not many blogs on India but you can read beginners guide on Frequentmiler.com, Onemileatatime.com etc. You can also check twitter as lot many people are sharing about miles now days. Combination of HDFC DCB/Infinia, Citi Premiermiles/Prestige, Amex Platinum Charge/Travel/MRCC At the time of Singapore, I had enough miles in Jet Airways but it got closed during Europe trip. So used other ways. Stayed were mostly on Marriott properties Keep Regalia just so that you can upgrade to higher category cards from HDFC You can take Citi Premiermiles now as they are running promotion of cashback of 3k/4k on spending some amount within 2-3 months. You will get 10000 Premiermiles as signup bonus, which can be transferred to airlines as 5000miles. If you profile is good, you can try upgrading to Citi Prestige and thses 10000 Premiermiles converts to 4500 Prestige points which are equal to 18000 airmiles. With 2000 more miles you can have retrun economy ticket to Honkong, London, Sri Lanka and few other countries for these much miles. It may be overwhelming and confusing at start, but not so difficult to understand.

You are missing a lot. Apart providing convenience and bank offers, major use of cards is rewards. People have bought Mac book pro from rewards, Travel in biz or first class for free and myself have done 2 international trip to Singapore & Europe on points. Do regularly check how much reward you have before they expire

Whats annual spend like? If it's around 6 lac+ you might consider HSBC Visa platinum, you miss out on HDFC 5X but you get 3.3% rertun on all spends. Also you can transfer these points to Singapore KrisFlyer or British Airways Avios. If those are not your cup of tea then transfer to Taj Innercircle which means Tata neu. You can buy almost anything from there

Axis is like Chinese products, Chale to channd tak, warna sham tak So once it fails, you won't find resolution easily. Even tough for Co branded cards

Try following things, it might help you get credit limit enhancement 1. Activate autopay from HDFC Bank account to credit card, even minimum amount due is ok 2. Keep some good amount of fund, in lacs for a quarters in account 3. Take a jumbo/insta loan of minimum ammount ot whatever you need 4. If not already, upgrade account to preferred or imperia Above methods have helped few people, but not sure shot way though. My RM got me DCB even when I was not earning half of required income. My wife got Infinia even when she is home maker with no income. So HDFC hai to mumkin hai 😂