dante77 Posted December 29, 2023 Report Share Posted December 29, 2023 I just got mail that I can upgrade from Regalia to Regalia Gold at no cost. Worth it? Quote Link to comment Share on other sites More sharing options...
Snake Posted December 29, 2023 Report Share Posted December 29, 2023 8 hours ago, dante77 said: I just got mail that I can upgrade from Regalia to Regalia Gold at no cost. Worth it? FYF or LTF? I got the upgrade, can move up the ladder in the future Quote Link to comment Share on other sites More sharing options...
dante77 Posted December 29, 2023 Report Share Posted December 29, 2023 50 minutes ago, Snake said: FYF or LTF? I got the upgrade, can move up the ladder in the future No joining fee Quote Link to comment Share on other sites More sharing options...
North Posted January 2, 2024 Report Share Posted January 2, 2024 Happy new year folks. I currently possess an HDFC Regalia Gold (got it LTF with work) and an ICICI Sapphiro (got it LTF under the alumni offer). Decent cards, mostly using the HDFC, ICICI is good for 1+1 on BMS movie tickets. I used the Fi debit card on international trips to save on forex. My family primarily uses the Axis Vistara card (upgraded to Infinite from the Signature) - as it adds towards CV points and vouchers usable on domestic flights. I'd like to put my purchases on a card that give me the best possible rewards and convertable to miles on international air carriers. What card should i be getting or is the HDFC Regalia Gold good for now? Quote Link to comment Share on other sites More sharing options...
sudeepg95 Posted January 4, 2024 Report Share Posted January 4, 2024 On 1/2/2024 at 2:06 PM, North said: Happy new year folks. I currently possess an HDFC Regalia Gold (got it LTF with work) and an ICICI Sapphiro (got it LTF under the alumni offer). Decent cards, mostly using the HDFC, ICICI is good for 1+1 on BMS movie tickets. I used the Fi debit card on international trips to save on forex. My family primarily uses the Axis Vistara card (upgraded to Infinite from the Signature) - as it adds towards CV points and vouchers usable on domestic flights. I'd like to put my purchases on a card that give me the best possible rewards and convertable to miles on international air carriers. What card should i be getting or is the HDFC Regalia Gold good for now? @North If you're eligible for Infinia Metal from HDFC, then do try to get it. You won't get it as LTF, only FYF. But even then, the annual fee of 12500 + GST gets you 12500 Reward points, or if your spends are high, it might even get waived off. Redemption for miles and hotels are in the range of 1 Reward point = 1 Rs. Diners Club Metal is almost as good a card as Infinia, but you may face acceptance issues internationally. For domestic, acceptance issues are practically non existent these days. Eligibility criteria is much lower. Reward rates are lower than Infinia, redemption rate is same. Outside of HDFC, do consider AMEX Platinum Travel Card or AMEX MRCC, assuming you're in a serviceable pin code. Send a DM if you would be happy to use my referral links. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted January 4, 2024 Report Share Posted January 4, 2024 3 hours ago, sudeepg95 said: @North If you're eligible for Infinia Metal from HDFC, then do try to get it. You won't get it as LTF, only FYF. But even then, the annual fee of 12500 + GST gets you 12500 Reward points, or if your spends are high, it might even get waived off. Redemption for miles and hotels are in the range of 1 Reward point = 1 Rs. Diners Club Metal is almost as good a card as Infinia, but you may face acceptance issues internationally. For domestic, acceptance issues are practically non existent these days. Eligibility criteria is much lower. Reward rates are lower than Infinia, redemption rate is same. Outside of HDFC, do consider AMEX Platinum Travel Card or AMEX MRCC, assuming you're in a serviceable pin code. Send a DM if you would be happy to use my referral links. Infinia and DCB are getting devalued, TK/LM/Accor are also going 2:1 from 15th Jan. As for reward rate, the new milestones might make DCB Metal better for particular users. PTCC is decent though. Quote Link to comment Share on other sites More sharing options...
dylanjosh Posted January 12, 2024 Report Share Posted January 12, 2024 Guys any one know a way to add money to Paytm wallet via gift card. Found some sites online like Woohoo but don't know how reliable it is Quote Link to comment Share on other sites More sharing options...
Turd Turd Turd Posted January 12, 2024 Report Share Posted January 12, 2024 3 hours ago, dylanjosh said: Guys any one know a way to add money to Paytm wallet via gift card. Found some sites online like Woohoo but don't know how reliable it is Woohoo is reliable. Purchased a lot of gift cards from them. 1 Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted January 13, 2024 Report Share Posted January 13, 2024 Anyone using or know someone who is using a Amex Gold Charge Card? Looking for user experiences and reviews... Quote Link to comment Share on other sites More sharing options...
Hannibal Posted January 13, 2024 Report Share Posted January 13, 2024 4 hours ago, LordSpymaster said: Anyone using or know someone who is using a Amex Gold Charge Card? Looking for user experiences and reviews... What user experience? Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted January 13, 2024 Report Share Posted January 13, 2024 5 hours ago, CardsCrusader said: What user experience? Around how much do you use it, has anyone tried getting the 2nd year fee waived, etc. Quote Link to comment Share on other sites More sharing options...
Hannibal Posted January 14, 2024 Report Share Posted January 14, 2024 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 1 Quote Link to comment Share on other sites More sharing options...
dante77 Posted January 14, 2024 Report Share Posted January 14, 2024 Got Federal Bank Celesta banking. Is there any decent CC they provide for LTF? Need to get one for my wife with her name. Quote Link to comment Share on other sites More sharing options...
taskmaster7486 Posted January 15, 2024 Report Share Posted January 15, 2024 Which ICICI card can i get for offers? Something that is LTF probably? Quote Link to comment Share on other sites More sharing options...
sudeepg95 Posted January 15, 2024 Report Share Posted January 15, 2024 1 hour ago, taskmaster7486 said: Which ICICI card can i get for offers? Something that is LTF probably? Amazon Pay ICICI is an amazing card. Alternatively, If you were looking for core cards, then follow this: Sapphiro > Rubyx > Coral > Platinum (LTF) (Most rewarding -> Least rewarding) (Most difficult to get LTF -> Easier to get LTF) ICICI paid cards aren't worth the charges they're asking for. Whichever one you can get as LTF would be ideal. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted January 15, 2024 Report Share Posted January 15, 2024 I always had the ICICI cards as LTF. Began with Coral, then Rubyx, and now a Sapphiro, all LTF. Got the Coral when they came to my college and offered the card, never looked back since! Sapphiro has been best for the 1+1 on BMS for me, up to INR 500 per ticket is free which is pretty damn good! Quote Link to comment Share on other sites More sharing options...
taskmaster7486 Posted January 15, 2024 Report Share Posted January 15, 2024 14 hours ago, sudeepg95 said: Amazon Pay ICICI is an amazing card. Alternatively, If you were looking for core cards, then follow this: Sapphiro > Rubyx > Coral > Platinum (LTF) (Most rewarding -> Least rewarding) (Most difficult to get LTF -> Easier to get LTF) ICICI paid cards aren't worth the charges they're asking for. Whichever one you can get as LTF would be ideal. Thanks. My use case for them is to use it only on sales. Amazon ICICI cards dont give the instant discount of 10% on Flipkart and other sites. Platinum seems better and maybe i can work my way up. 1 Quote Link to comment Share on other sites More sharing options...
silv3rgunn3r Posted January 16, 2024 Report Share Posted January 16, 2024 4 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted January 16, 2024 Report Share Posted January 16, 2024 53 minutes ago, silv3rgunn3r said: Burgundy welcome kit doesn't include a CC. Burgundy welcome includes a debit card and basis upon whether they were able to print your name on it or not, they either include it or send it later. Useless Reddit thread. 2 Quote Link to comment Share on other sites More sharing options...
silv3rgunn3r Posted January 17, 2024 Report Share Posted January 17, 2024 10 hours ago, KunjanPSD said: Burgundy welcome kit doesn't include a CC. Burgundy welcome includes a debit card and basis upon whether they were able to print your name on it or not, they either include it or send it later. Useless Reddit thread. Oho Lol ya useless thread indeed. But what a waste of a welcome kit then. It's all just unnecessary documentation that like 5% of them even go through lol. Quote Link to comment Share on other sites More sharing options...
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