Houndini Posted November 28, 2023 Report Share Posted November 28, 2023 15 minutes ago, Snake said: Doc, dis it say no joining fee for your upgrade option? Yes, FYF. 1 Quote Link to comment Share on other sites More sharing options...
AtheK Posted November 28, 2023 Report Share Posted November 28, 2023 2 hours ago, dante77 said: How did you get Sapphiro as LTF? Have salary account with icici from 15 years guess I am earning decent enough as I told my RM few years back that give me a good card or I am moving bank. So have both amazon pay and sapphiro 1 hour ago, Snake said: HNI hone ko mangta Lol. 1 Quote Link to comment Share on other sites More sharing options...
El Tigre Chino Posted November 28, 2023 Author Report Share Posted November 28, 2023 3 hours ago, Snake said: Doc, dis it say no joining fee for your upgrade option? RM has been after my a*s to upgrade to Gold. Told them to F-off so far. It’s FYF & paid after that if you don’t hit the spends. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 28, 2023 Report Share Posted November 28, 2023 Decided to take the gold card, need to climb the ladder, plus I think I can hit the waiver spend limit now :p Quote Link to comment Share on other sites More sharing options...
Hannibal Posted November 28, 2023 Report Share Posted November 28, 2023 4 hours ago, dante77 said: How did you get Sapphiro as LTF? Try applying via ICICI website, provide details and based on profile they will let you know if the card can be offered at LTF. Many people getting offer of LTF now 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted November 28, 2023 Report Share Posted November 28, 2023 41 minutes ago, CardsCrusader said: Try applying via ICICI website, provide details and based on profile they will let you know if the card can be offered at LTF. Many people getting offer of LTF now Yeah galat forum aa gye ho aap. Raasta bhool gye. Quote Link to comment Share on other sites More sharing options...
dante77 Posted November 28, 2023 Report Share Posted November 28, 2023 1 hour ago, CardsCrusader said: Try applying via ICICI website, provide details and based on profile they will let you know if the card can be offered at LTF. Many people getting offer of LTF now Thanks. But CardsCrusader Quote Link to comment Share on other sites More sharing options...
Hannibal Posted November 29, 2023 Report Share Posted November 29, 2023 10 hours ago, KunjanPSD said: Yeah galat forum aa gye ho aap. Raasta bhool gye. Kafi din se tha nahi yaha, started back as started gaming again Quote Link to comment Share on other sites More sharing options...
Krazyniks Posted November 30, 2023 Report Share Posted November 30, 2023 Upgraded to the regalia gold card myself from LTF regalia . Wanted the lounge access without having to convert milestone spend. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 30, 2023 Report Share Posted November 30, 2023 46 minutes ago, Krazyniks said: Upgraded to the regalia gold card myself from LTF regalia . Wanted the lounge access without having to convert milestone spend. Yeah decided to do that s as well 1 Quote Link to comment Share on other sites More sharing options...
dante77 Posted November 30, 2023 Report Share Posted November 30, 2023 Lounge access is given unlimited amount of times by Scapia. Only 5k per billing. Quote Link to comment Share on other sites More sharing options...
AtheK Posted November 30, 2023 Report Share Posted November 30, 2023 HDFC card only for 10% discount on sites now, no other use of Regalia. My RM told me that I am not listed for Private Metal Emeralde card, I have told her to get it done or stop being my RM or I can stop being there customer, let's see how long before she reverts. I can get the normal Emeralde card if i want immediately. 2 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted November 30, 2023 Report Share Posted November 30, 2023 47 minutes ago, dante77 said: Lounge access is given unlimited amount of times by Scapia. Only 5k per billing. Tell me, how long do you expect it to last? Do you seriously think that at 5k billing, Scapia is able to afford unlimited lounge visits? (around 300-500 bucks billed to the bank/visit) Once they hit critical mass, you will see the cutbacks. Just like Niyo, just like Fi, they are burning to gain users. The point of going up the HDFC ladder is to progress towards higher end cards like DCB and Infinia. If you don't do that you won't have anything left when cutbacks come. There are other cards in the market as well but they have gone through severe devaluations, HDFC always wins in the long term. Quote Link to comment Share on other sites More sharing options...
AtheK Posted November 30, 2023 Report Share Posted November 30, 2023 26 minutes ago, KunjanPSD said: Tell me, how long do you expect it to last? Do you seriously think that at 5k billing, Scapia is able to afford unlimited lounge visits? (around 300-500 bucks billed to the bank/visit) Once they hit critical mass, you will see the cutbacks. Just like Niyo, just like Fi, they are burning to gain users. The point of going up the HDFC ladder is to progress towards higher end cards like DCB and Infinia. If you don't do that you won't have anything left when cutbacks come. There are other cards in the market as well but they have gone through severe devaluations, HDFC always wins in the long term. Eventually all LTF cards will loose Lounge access. Scapia might continue for sometime, how many users actually travel daily, I am sure if there are those users they are already holding super premium cards. I foresee maybe spending moved up from 5k to maybe 10K or 15K, which is still not too tough these days. Your point is valid get a super premium card and then stick to that one card, hence my push for the metal emeralde card. Also going forward even DCB and Infinia might not come as LTF but maybe at a discounted price. Quote Link to comment Share on other sites More sharing options...
abhi90 Posted November 30, 2023 Report Share Posted November 30, 2023 1 hour ago, AtheK said: Eventually all LTF cards will loose Lounge access. Scapia might continue for sometime, how many users actually travel daily, I am sure if there are those users they are already holding super premium cards. I foresee maybe spending moved up from 5k to maybe 10K or 15K, which is still not too tough these days. Your point is valid get a super premium card and then stick to that one card, hence my push for the metal emeralde card. Also going forward even DCB and Infinia might not come as LTF but maybe at a discounted price. DCB/ Diners doesn't even work at most of the places online like razorpay or internationally, and tap-to-pay doesn't work for diners card 99% unless it's a specific model of HDFC POS machines. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted November 30, 2023 Report Share Posted November 30, 2023 15 minutes ago, abhi90 said: DCB/ Diners doesn't even work at most of the places online like razorpay or internationally, and tap-to-pay doesn't work for diners card 99% unless it's a specific model of HDFC POS machines. @CardsCrusader Yaar kuch kro inn logo ka Quote Link to comment Share on other sites More sharing options...
Houndini Posted December 1, 2023 Report Share Posted December 1, 2023 11 hours ago, KunjanPSD said: Tell me, how long do you expect it to last? Do you seriously think that at 5k billing, Scapia is able to afford unlimited lounge visits? (around 300-500 bucks billed to the bank/visit) Once they hit critical mass, you will see the cutbacks. Just like Niyo, just like Fi, they are burning to gain users. The point of going up the HDFC ladder is to progress towards higher end cards like DCB and Infinia. If you don't do that you won't have anything left when cutbacks come. There are other cards in the market as well but they have gone through severe devaluations, HDFC always wins in the long term. Lounge access is over rated unless international. Premium plaza had trash food, Encalm has trash food, and now Amex has also outsourced their lounge to Encalm. Its just trash masquerading as premium product. Air India lounges have gone to the gutter. Vistara is not even operating most of their lounges. Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 1, 2023 Report Share Posted December 1, 2023 Exactly buy kfc zinger burger combo at a decent price and idle time Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted December 1, 2023 Report Share Posted December 1, 2023 59 minutes ago, Bird Bird Bird said: Lounge access is over rated unless international. Premium plaza had trash food, Encalm has trash food, and now Amex has also outsourced their lounge to Encalm. Its just trash masquerading as premium product. Air India lounges have gone to the gutter. Vistara is not even operating most of their lounges. I don't think the focus of the conversation was bottom of the barrel lounges. Scapia or any other LTF/entry level card is not going to provide access to any of the decent lounges. A lounge which caters to such cards will become a langar. The whole point was about going up the card ladder so that you can get Premium CCs which provide better rewards and benefits. Premium Lounge access was just one of the benefits (with Priority Pass) ex: Dubai, BKK etc. So many people on IVG have posted about their international travels recently, it's not uncommon. If something has to be judged by the worst case scenario of one benefit, might as well give up all of your Credit cards or just pay up for the business class. Quote Link to comment Share on other sites More sharing options...
SuperT Posted December 1, 2023 Report Share Posted December 1, 2023 10 hours ago, abhi90 said: DCB/ Diners doesn't even work at most of the places online like razorpay or internationally, and tap-to-pay doesn't work for diners card 99% unless it's a specific model of HDFC POS machines. This is a paint point on DCB for sure if you go to any Asian country it will not work at any POS. In India online it is an issue at times but POS is a non-issue now, atleast in metros. But DCB is a great card and as Kunjan mentioned HDFC has been consistent over the years and Infinia/DCB are arguably the best cards in India, there have been awesome cards like Magnus etc but they get devalued in under one year or so. The whole point of HDFC cards is to hold on to them put decent spends and reach DCB/Infinia. Quote Link to comment Share on other sites More sharing options...
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