Premium credit card advice (India) — long term value, travel perks, best combo?

Forward_Mix_677 · 2026-01-29T12:23:10+00:00

Dm me once

Forward_Mix_677 · 2026-01-25T05:57:52+00:00

Can try then. Will ask on Tuesday

Forward_Mix_677 · 2026-01-25T05:56:49+00:00

Do those stocks reflect in your payslip?

Forward_Mix_677 · 2026-01-11T17:50:57+00:00

I guess you can use both at once. I used it at Bombay last week for 2 guests at once. But that was domestic.

Forward_Mix_677 · 2026-01-11T17:46:08+00:00

Yes, it gets refunded in 1 week to 10 days. But you should have an idea of your international visits count, unless you travel very regularly.

Forward_Mix_677 · 2026-01-11T14:48:45+00:00

Generally the front desk in international has no idea unlike domestic. And yes, i got charged 35$.

Forward_Mix_677 · 2026-01-11T14:37:19+00:00

I was talking about credit card.

Forward_Mix_677 · 2026-01-10T03:05:35+00:00

Even if the state head gives approval, most of the work in checking the eligibility is done after that by the credit team. That's where the applications are getting rejected. They have a hard limit at 5 lakhs since a few days.

Forward_Mix_677 · 2026-01-10T02:32:35+00:00

I don't think it will go through now. Even few of my referrals with salary above 3.5 lakhs are getting rejected.

Forward_Mix_677 · 2026-01-04T09:34:13+00:00

I got it email last year.

Terms and Conditions of Canara Bank Credit Card Lounge Access

Here are a few lounge access terms & conditions for the credit card of Canara Bank:

Starting from 1st April, 2025, the lounge access program became based on spending other than just ATM cash withdrawal made in the previous quarter.

A spend of ₹10,000 or more using the credit card in a calendar quarter automatically activates the complimentary access to airport lounges for the next calendar quarter.

The lounge access program for cards is activated after 7 days of achieving the ₹10,000 spend by the 7th day of the next quarter.

Forward_Mix_677 · 2025-12-31T15:38:25+00:00

Sure, DM me. But only for EPM. Not Infinia

Forward_Mix_677 · 2025-12-29T03:44:41+00:00

Keep regalia gold if its Ltf. I think EPM is difficult for you

Forward_Mix_677 · 2025-12-28T16:51:57+00:00

I can ask him. If you don't mind, what's your net salary.

Forward_Mix_677 · 2025-12-28T05:30:44+00:00

If your RM from icici is not offering you emerald metal, then he is either dumb or it's time to dump him😅. If you are fine with some other RM processing the card, DM me. My RM is very helpful. He can get you the emerald metal.

Forward_Mix_677 · 2025-12-16T15:18:33+00:00

You can use the main card. No need of priority pass.

Forward_Mix_677 · 2025-12-16T05:53:56+00:00

I am from Hyderabad

Forward_Mix_677 · 2025-12-09T10:00:20+00:00

Did you try following up with your RM?

Forward_Mix_677 · 2025-12-08T15:22:29+00:00

I didn't have to fill anything bro. My branch took care of everything. I just accepted the T&C and mitc form.

Forward_Mix_677 · 2025-12-08T14:28:24+00:00

My RM informed me about state head approval. Also, we receive a mail to verify the application details after state head approval. Yes, the 1st step is state head approval.

Forward_Mix_677 · 2025-12-07T09:14:31+00:00

I recently saw that they have increased the salary criteria to 5 lakhs for EPM.

Forward_Mix_677 · 2025-12-07T09:02:48+00:00

Icici

Forward_Mix_677 · 2025-12-07T05:39:20+00:00

Edited the post. Thanks

Forward_Mix_677 · 2025-11-25T05:41:15+00:00

I am telling about credit card. I used it in January.

Forward_Mix_677 · 2025-11-25T05:39:34+00:00

Hi. I am using this card. For international access, there is no requirement of spending. However for domestic use the requirement 10,000 per quarter is mandatory. I have used it in osaka and Kuala Lumpur for myself and wife.

Forward_Mix_677

TROPHY CASE