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Credit Card - Help & Recommendations


El Tigre Chino
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Amazon Pay ICICI - LTF - I have this one.

Emeralde Private - Most sought after card that's probably the most rewarding premium card in India today - 12500 - Invite only, need prior relationship to be eligible apparently.

 

There are a few other cards like Saphirro, Coral etc., however, there are just better cards out there.

 

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14 hours ago, LordSpymaster said:

Sapphiro is good only if it is LTF. ICICI bank offers that for many firms if you're employed by them. 

 

Link: https://campaigns.icicibank.com/credit-card/empaneledCompanies/index.html

Wow! How did you know this? I just applied. I thought I would never apply any more CCs but LTF for ICICI card, I needed it since lot of offers are not applicable on Amazon Pay ICICI. I am eligible and my company was listed there. I hope it truly is LTF. 

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1 hour ago, dante77 said:

Wow! How did you know this? I just applied. I thought I would never apply any more CCs but LTF for ICICI card, I needed it since lot of offers are not applicable on Amazon Pay ICICI. I am eligible and my company was listed there. I hope it truly is LTF. 

It is, been having it for sometime.

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8 hours ago, dante77 said:

Wow! How did you know this? I just applied. I thought I would never apply any more CCs but LTF for ICICI card, I needed it since lot of offers are not applicable on Amazon Pay ICICI. I am eligible and my company was listed there. I hope it truly is LTF. 

Yes it should be LTF. I have Sapphiro for about 3+ years now and have only used if it there an offer on ICICI's card that is not available elsewhere, or if I want the BMS BOGO. 

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On 3/6/2025 at 8:45 AM, LordSpymaster said:

Sapphiro is good only if it is LTF. ICICI bank offers that for many firms if you're employed by them. 

 

Link: https://campaigns.icicibank.com/credit-card/empaneledCompanies/index.html

I have sapphiro offer but 3500 annually n 6k joining fee. Apart 500 bms ticket, don't see much value or am I missing something?

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17 minutes ago, hope said:

I have sapphiro offer but 3500 annually n 6k joining fee. Apart 500 bms ticket, don't see much value or am I missing something?

For salaried individuals, check if you are eligible from the dropdown. It has all company names. 

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5 hours ago, dylanjosh said:

Anyone with an hdfc credit card willing to help me purchase a phone from Flipkart please? 

 

I was all ready to buy then realised my hdfc Swiggy card doesn't count lol 

Sure. I can help. Let me know the details. 

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There is a HDFC to Maharaja Club Transfer bonus, I'm still weighing if worth it and how much to transfer over?

I have a Regalia Gold though, wish it was one of the cards with a better ratio. Anyone else doing it?

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On 3/6/2025 at 8:45 AM, LordSpymaster said:

Sapphiro is good only if it is LTF. ICICI bank offers that for many firms if you're employed by them. 

 

Link: https://campaigns.icicibank.com/credit-card/empaneledCompanies/index.html

 

On 3/7/2025 at 6:10 PM, dante77 said:

Got a call from ICICI. Everything went smooth, guy says no KYC required. They're giving me dual variant Master card plus Amex version. Since all other cards I have are VISA. I am ok. 

Despite the fact that everything went smooth and I easily met all their criteria. ICICI rejected my application :doh:Reason is one liner, Details entered by me are inconsistent :doh:

 

Went online and saw LinkedIn posts under ICICI, hundrests of users are waiting from January or more to get the card and no word from them. They all said, it's Scam, pulled credit info and then nothing. WTF! A big company like ICICI does that too! 

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  • 2 weeks later...

Anyone have the Marriot Bonvoy HDFC card? have applied, the free night benefit is good enough for me to get it.
but also - looking to book 4 nights at a Marriot, in Baku Azerbaijan. USD/local currency transaction. Should I book it with my forex card, making no points or use this card?

Couldnt find relevant forex info anywhere. @KunjanPSD any idea?

 

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9 minutes ago, North said:

Anyone have the Marriot Bonvoy HDFC card? have applied, the free night benefit is good enough for me to get it.
but also - looking to book 4 nights at a Marriot, in Baku Azerbaijan. USD/local currency transaction. Should I book it with my forex card, making no points or use this card?

Couldnt find relevant forex info anywhere. @KunjanPSD any idea?

 

You are anyway paying fx charges when loading your forex card. So why not just pay the forex charges on Bonvoy and get something in return?

That's assuming you don't have a better card like Axis Atlas or Amex Plat Travel where you can work towards your milestone as well.

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15 hours ago, KunjanPSD said:

You are anyway paying fx charges when loading your forex card. So why not just pay the forex charges on Bonvoy and get something in return?

That's assuming you don't have a better card like Axis Atlas or Amex Plat Travel where you can work towards your milestone as well.


I have the Fi debit card, so no forex markup as long as I keep 50k in the a/c. 
The exchange rate is also close to actual. So I could use that, or I could use the Bonvoy card and pay the forex charges. Just trying to understand whats better. 
at 3.5% plus GST, it would be an additional 1500 rupees on a 35K Marriot booking. at 8 points per 150 rupees, i'd get 1800 points. I guess i'll take the 300 point advantage?

Am considering getting the Axis Atlas, but that I was planning for the next year as we close out the Axis Vistara card. 

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