montsa007 Posted July 4, 2022 Report Share Posted July 4, 2022 I happen to have multiple cards, let me sum them up for you. Amex : Good reward catalogue, garbage acceptance offline. Onecard : Looks extremely premium, reward catalogue is okayish but you can pay from points, its lifetime free ICICI Amazon : Lifetime free, 3% for non prime & 5% for prime members SBI FBB : Garbage, want to cancel it Axis Flipkart Card : Hard to get, excellent cashback on Flipkart (5% no cap) and Myntra & 1.5% on all offline purchases Zomatio Edition Card : Invite only (I guess?), 5% cashback on all food purchases &1 or 1.5% on rest spends (Great if you eat out a lot), combine this with zomato pro plus and you'll save a ton of cash Hope this helps Quote Link to comment Share on other sites More sharing options...
sjx Posted July 4, 2022 Report Share Posted July 4, 2022 Looking to get a SBI CC over the 90% of FD criteria. Does the SBI CC work on international websites with or w/o otp? and would it work for xbox gamepass here? Thanks! Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted July 4, 2022 Report Share Posted July 4, 2022 16 minutes ago, sjx said: Looking to get a SBI CC over the 90% of FD criteria. Does the SBI CC work on international websites with or w/o otp? and would it work for xbox gamepass here? Thanks! With otp. Should work for gamepass (i used it before new rbi mandates.) Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted July 11, 2022 Report Share Posted July 11, 2022 On 6/21/2022 at 8:03 AM, LordSpymaster said: I'm thinking of upgrading my ICICI Rubyx, and I guess Sapphiro is the next one. Since I use ICICI's cards for max stuff, might get it. My Rubyx's limit is anyways around 7L.... Got the Sapphiro as a LTF. Plan to close my Rubyx now. Quote Link to comment Share on other sites More sharing options...
abhi90 Posted July 11, 2022 Report Share Posted July 11, 2022 2 hours ago, LordSpymaster said: Got the Sapphiro as a LTF. Plan to close my Rubyx now. How did you get Sapphiro as a LTF? Was it offered? Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted July 11, 2022 Report Share Posted July 11, 2022 16 minutes ago, abhi90 said: How did you get Sapphiro as a LTF? Was it offered? Nope. I went and asked. Initially they refused, but then said they have tie ups with some companies to offer this as a LTF. Mine was on that list. Plus my Rubyx was a LTF as well. Quote Link to comment Share on other sites More sharing options...
abhi90 Posted July 11, 2022 Report Share Posted July 11, 2022 17 minutes ago, LordSpymaster said: Nope. I went and asked. Initially they refused, but then said they have tie ups with some companies to offer this as a LTF. Mine was on that list. Plus my Rubyx was a LTF as well. Oh! Did you ask on the tollfree? Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted July 11, 2022 Report Share Posted July 11, 2022 3 hours ago, abhi90 said: Oh! Did you ask on the tollfree? Nah, went to the branch. They connected me to some higer up in the CC department for my city. Spoke to him and got it. 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted July 11, 2022 Report Share Posted July 11, 2022 Hotel bookings on Smartbuy are a good deal. Booked a night and got 13% RR on Regalia. For DCB and Infinia, it would be around 33%. Citi PM to Prestige trick would have landed around 7% RR. Obviously, on other spends like Flights, Electronics, Citi will win out or if you go pass the daily bonus RP limit on Smartbuy but for this use case, nice deal. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted July 19, 2022 Report Share Posted July 19, 2022 Upgraded to DCB ? Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted July 19, 2022 Report Share Posted July 19, 2022 Why the anger though? Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted July 19, 2022 Report Share Posted July 19, 2022 2 minutes ago, LordSpymaster said: Why the anger though? Redemption. Not anger. 1 Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted July 19, 2022 Report Share Posted July 19, 2022 I had gone and asked for an upgrade on my Diner's to DCB. The branch manager said I should get a call back from the CC person. HDFC also sent me an email saying I have some upgrade available, but that page never loads lol. Planning to press them for this if I can get it as LTF (My existing Diner's is LTF via the college alumni scheme). Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted July 19, 2022 Report Share Posted July 19, 2022 2 minutes ago, LordSpymaster said: I had gone and asked for an upgrade on my Diner's to DCB. The branch manager said I should get a call back from the CC person. HDFC also sent me an email saying I have some upgrade available, but that page never loads lol. Planning to press them for this if I can get it as LTF (My existing Diner's is LTF via the college alumni scheme). You have Diner's Privilege? Just send a mail to the grievance, for you, it should be pretty smooth. The page should load in netbanking, either it would be card upgrade or credit enhancement but for LTF DCB, best is to send Grievance a mail asking for upgrade under Premier Institute Alumni program. 1 Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted July 19, 2022 Report Share Posted July 19, 2022 1 hour ago, KunjanPSD said: You have Diner's Privilege? Just send a mail to the grievance, for you, it should be pretty smooth. The page should load in netbanking, either it would be card upgrade or credit enhancement but for LTF DCB, best is to send Grievance a mail asking for upgrade under Premier Institute Alumni program. Yes Privilege. Sure, I'll check with them, but want to give the branch a chance 1st. Quote Link to comment Share on other sites More sharing options...
Snake Posted July 19, 2022 Report Share Posted July 19, 2022 I just got a credit limit upgrade a good amount. But still on regalia Quote Link to comment Share on other sites More sharing options...
SuperT Posted July 19, 2022 Report Share Posted July 19, 2022 (edited) 9 minutes ago, Snake said: I just got a credit limit upgrade a good amount. But still on regalia If it’s around 8 lakhs then wait for a couple of months and then apply for an upgrade for infinia. Edited July 19, 2022 by SuperT 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted July 19, 2022 Report Share Posted July 19, 2022 10 minutes ago, SuperT said: If it’s around 8 lakhs then wait for a couple of months and then apply for an upgrade for infinia. It has been increased to 10L now. Anything less than 9.5L and you will asked for an FD equalling to 120% of the shortfall or income proof to potentially increase limit. 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted July 19, 2022 Report Share Posted July 19, 2022 21 minutes ago, Snake said: I just got a credit limit upgrade a good amount. But still on regalia If it's your only card then stick to it. You will hate DCB for acceptance issues. Plus I took it because it's LTF via alumni program, for 10k+gst fees, wouldn't touch it and wait for Infinia only. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted July 19, 2022 Report Share Posted July 19, 2022 Now I only need to expedite my Prestige's application, then I will be sorted. Quote Link to comment Share on other sites More sharing options...
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