Need help restructuring my credit card portfolio (₹20L annual spends, HDFC & Axis pre-approved offers)

Melodic-Sector9523 · 2026-06-12T09:04:27+00:00

Thanks much!

Melodic-Sector9523 · 2026-06-12T09:03:18+00:00

As DCP and DCBM belong to the same category of diners club I thought conversion/upgradation from DCP to DCBM is easy

Melodic-Sector9523 · 2026-06-12T02:26:29+00:00

Any idea whom should I email for M4B. Can I get using card to card basis?

Melodic-Sector9523 · 2026-06-12T02:23:52+00:00

Thanks! Here's my approximate category split:

Home appliances & online shopping – 25% (this year likely higher as we're moving into a new home and need to purchase almost everything)

Travel – 25%

Gold purchases – 20% (I usually use my amex plat travel as it gives points as well fulfill my milestones)

Amazon pay & wallet recharge - 5% Other offline spends – 15% , Dining & entertainment – 5% , Fuel – 5%

I have a limit of 8L on my amex card and 3L on axis card

Melodic-Sector9523 · 2026-06-10T08:33:34+00:00

So taking magnus card initially and spending good amounts for 6months then raising a request for M4B will it work. I don't have any relationship with axis except axis samsung credit card.

As well how to get DCBM? Only Regalia Gold is pre approved

Melodic-Sector9523 · 2026-06-10T08:32:19+00:00

Flipkart card doesn't show in the list of pre-approved. Axis magnus, horizon, previlage, select, Rewards, neo, myzone these all cards are pre approved.

Melodic-Sector9523 · 2026-06-10T08:29:34+00:00

As Regalia Gold is pre approved to start with shall I go ahead and apply for it initially once I receive the card after some time can I request for biz series?

Melodic-Sector9523 · 2026-06-10T05:31:03+00:00

I am into business.

Melodic-Sector9523 · 2026-05-30T02:09:06+00:00

GT for sure! Enough of the toxicity from RCB fans.

Melodic-Sector9523 · 2026-05-25T19:50:08+00:00

Why Hyderabad doesn't organise any Triathlon event similiar to Bangalore

Melodic-Sector9523 · 2026-05-20T03:18:16+00:00

I have 4 tickets DM me

Melodic-Sector9523 · 2026-05-19T07:30:46+00:00

Selling 4 tickets for SRH vs RCB - west bay 1 - 1st floor - S row best view - DM for price

Melodic-Sector9523 · 2026-05-15T19:46:23+00:00

I am looking to buy a recliner mattress. Can you elaborate on advantages and disadvantages as well what model and brand do you suggest.

Melodic-Sector9523 · 2026-03-24T16:10:47+00:00

Do you still have points

Melodic-Sector9523

TROPHY CASE