DinJo Posted August 10, 2023 Report Share Posted August 10, 2023 I'm still looking for sbi free credit card 1 Quote Link to comment Share on other sites More sharing options...
icestrok Posted August 11, 2023 Report Share Posted August 11, 2023 22 hours ago, KunjanPSD said: I know, I can easily do 25k APay a month and do 3L and the rest 1L could be miscellaneous but I am not a Marriot person so I prefer airmiles more and hence if I can get 10% from Magnus+ on Apay, that would be enough for me with Infinia. MB is good for deals like the recent Masai Mara for 90k/5D stay. Still deciding. What exactly is apay? Is it Amazon pay ? How do you guys use it to pay stuff off. I normally average around 40k for all the bills n purchases, but I normally just do the net banking stuff. Trying to understand how a credit card would help. As of now I have a hdfc regalia, Citi indianoil and Amazon icici Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted August 11, 2023 Report Share Posted August 11, 2023 1 hour ago, icestrok said: What exactly is apay? Is it Amazon pay ? How do you guys use it to pay stuff off. I normally average around 40k for all the bills n purchases, but I normally just do the net banking stuff. Trying to understand how a credit card would help. As of now I have a hdfc regalia, Citi indianoil and Amazon icici Amazon icici will fetch you 2% on most utility bills and 5% on amazon purchases(If you are a prime member). the 2-5% cashback will be transferred to your amazon pay balance within a week of your statement generation.. 1 Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 11, 2023 Report Share Posted August 11, 2023 4 hours ago, icestrok said: What exactly is apay? Is it Amazon pay ? How do you guys use it to pay stuff off. I normally average around 40k for all the bills n purchases, but I normally just do the net banking stuff. Trying to understand how a credit card would help. As of now I have a hdfc regalia, Citi indianoil and Amazon icici You need to get Plat Travel atleast. Buy 25k Apay voucher and use it to pay your utility bills. If you need more, then get another card. You can get upto 10% return in form of Marriot points or airmiles. This is specifically for people looking to travel or stay instead of getting cashback points. Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 11, 2023 Report Share Posted August 11, 2023 Applied for Plat Travel. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted August 12, 2023 Report Share Posted August 12, 2023 The fee is 45K right? Is that worth it for you? Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 12, 2023 Report Share Posted August 12, 2023 1 hour ago, LordSpymaster said: The fee is 45K right? Is that worth it for you? Plat Travel. Fee is 5k/year. Post referral it becomes first year free. You are confusing it with Plat Charge. Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 12, 2023 Report Share Posted August 12, 2023 All miles transferred out of Axis. Doesn't matter how bad Axis's tech/customer care was, looking at the miles balance, they gave a once in a life opportunity. Now, hopefully, some decent availability opens up. In current scenario, almost no availability to US J except maybe AI. Quote Link to comment Share on other sites More sharing options...
0verlord Posted August 12, 2023 Report Share Posted August 12, 2023 please suggest the best credit cards with annual fees around 5,000 Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 12, 2023 Report Share Posted August 12, 2023 12 minutes ago, 0verlord said: please suggest the best credit cards with annual fees around 5,000 Need to know a bit about your spend level and pattern. You can DM if you don't want to put any more information on public threads. Quote Link to comment Share on other sites More sharing options...
harsh1387 Posted August 13, 2023 Report Share Posted August 13, 2023 On 8/11/2023 at 11:18 PM, KunjanPSD said: Applied for Plat Travel. Good. I applied MRCC for wife and Smartearn for me. If experience goes good with Amex will upgrade then. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted August 13, 2023 Report Share Posted August 13, 2023 Just now, harsh1387 said: Good. I applied MRCC for wife and Smartearn for me. If experience goes good with Amex will upgrade then. Remember to sign up the MRCC for both offers i.e., 1K bonus points on 20K monthly spends and 1k bonus in 4 transactions of 1500 each per month. If you don't get the offer email, then out some spends on the card and reach out to Amex Chat. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted August 13, 2023 Report Share Posted August 13, 2023 22 hours ago, KunjanPSD said: Plat Travel. Fee is 5k/year. Post referral it becomes first year free. You are confusing it with Plat Charge. Got it. Can you explain what benefits you're targeting from it? I keep thinking about upgrading my MRCC, but never found a good fee/reward ratio yet. Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 13, 2023 Report Share Posted August 13, 2023 45 minutes ago, LordSpymaster said: Got it. Can you explain what benefits you're targeting from it? I keep thinking about upgrading my MRCC, but never found a good fee/reward ratio yet. Quite simple. Buy 25k Apay vouchers per month i.e. 3L/yr. Do another 1L spend. Preferably on Gyftr. Total 4L. Yields 64k MR points and 10k Taj Voucher. Reward rate you can calculate based upon airmiles/MB points value. Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 13, 2023 Report Share Posted August 13, 2023 It's a possibility that I don't spend 4L on Plat Travel, since I already have Infinia and might get Magnus+. Have eyes on Atlas as well. But FYF doesn't hurt. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted August 13, 2023 Report Share Posted August 13, 2023 17 hours ago, 0verlord said: please suggest the best credit cards with annual fees around 5,000 Wont make sense to pay that much fee unless you are in the airmiles game. Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 13, 2023 Report Share Posted August 13, 2023 (edited) 48 minutes ago, rushab oswal said: Wont make sense to pay that much fee unless you are in the airmiles game. Maybe he wants to be in it. I am looking to make a redemption for this November/December. Will post about it, maybe then people will be more open to it. Also, it's airmiles or hotel points, accor/ITC/MB. Edited August 13, 2023 by KunjanPSD Quote Link to comment Share on other sites More sharing options...
hazard12345 Posted August 13, 2023 Report Share Posted August 13, 2023 Any banks offering non otp authentication process ? Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 13, 2023 Report Share Posted August 13, 2023 1 hour ago, hazard12345 said: Any banks offering non otp authentication process ? I don't think why you even want that unless you are overseas. Even then, OTP doesn't require a travel pack. You can try to register for verified by visa for a constant PIN setup but it's touch and go with every bank. Quote Link to comment Share on other sites More sharing options...
hazard12345 Posted August 13, 2023 Report Share Posted August 13, 2023 5 minutes ago, KunjanPSD said: I don't think why you even want that unless you are overseas. Even then, OTP doesn't require a travel pack. You can try to register for verified by visa for a constant PIN setup but it's touch and go with every bank. yup, overseas. i do get connection for my indian sim. But from time to time dont get any otp. It is usually when i need it the most. Quote Link to comment Share on other sites More sharing options...
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