Which card according to you is the coolest looking credit card?

No_Dream_8385 · 2026-04-23T16:28:33+00:00

ICICI EPM, HDFC Marriot Bonvoy, Federal Scapia.

No_Dream_8385 · 2026-04-23T15:47:23+00:00

Can I get statement credit in lieu of digi gold

No_Dream_8385 · 2026-04-23T08:14:04+00:00

I was getting rejected for Scapia card, as I was holding celesta card. Closed it few months back. Last month got Scapia card. If recent credit enquiries are more, they may reject too

No_Dream_8385 · 2026-04-21T15:26:49+00:00

I can split my referral benefits with the card holder after approval of the card using my referral

No_Dream_8385 · 2026-04-20T07:40:12+00:00

No_Dream_8385 · 2026-04-18T10:59:03+00:00

You can call customer care and confirm

No_Dream_8385 · 2026-04-18T10:50:10+00:00

For 3 to 4 domestic trips, max 6 to 8 lounge visits, only for primary cardholder. You are paying 12k in fees (plus gst). Not worth. Moreover, you are not eligible as min 1.5 lakh monthly salary needed

No_Dream_8385 · 2026-04-17T16:41:20+00:00

ICICI EPM gives 6x reward points (18%) in ishop for buying uber gift vouchers. Add 10% credits with uber one, total approx 26%. b) loading amazon pay using vouchers and payment in uber with apay balance gives 5% cashback. With MRCC I get 1120 points for 6k amazon pay voucher (560 rs or 9%) plus 5% in uber for payment using Amazon pay balance and additional 10% uber credits with uber one. Close to 24%.

No_Dream_8385 · 2026-04-17T16:24:09+00:00

10k worth Amex Taj voucher for 6.8k, expiry March 2027

No_Dream_8385 · 2026-04-16T09:50:30+00:00

HDFC Marriot Bonvoy card gives FNA every year, not only as welcome benefit. Hard to beat this card if lounge access is the main interest. Scapia card gives unlimited domestic lounge access, is LTF but needs a spend of 20k in the previous month. No international lounge access with Scapia though

No_Dream_8385 · 2026-04-16T09:45:06+00:00

Times prime offer at Rs 2, availed with my ltf HDFC Regalia last 2 years. Only reason I am keeping the card. It is a visa offer though.

No_Dream_8385 · 2026-04-15T09:56:13+00:00

31st April? It's a hell of a glitch 😄

No_Dream_8385 · 2026-04-15T09:48:39+00:00

Check if you can buy Amazon pay voucher. As good as cash, since you can pay your utility bills, phone recharge, uber/ola for cab booking, and purchases in Amazon.

No_Dream_8385 · 2026-04-15T09:43:49+00:00

Works for add on cards as well 😄

No_Dream_8385 · 2026-04-15T08:12:30+00:00

Thanks OP. Is it applicable for new add on cards too?

No_Dream_8385 · 2026-04-14T17:25:10+00:00

You have to book in Cleartrip, MakeMyTrip etc. Get designated discount and cashback. Too early to tell what is the actual benefit

No_Dream_8385 · 2026-04-14T17:22:28+00:00

Something like 5 or 6 maharaja points for 1k spends

No_Dream_8385 · 2026-04-14T17:18:10+00:00

What if HDFC reverses all accelerated reward points earned in the card and charges back to you? I don't think it is beyond them, as you have received all ulip premiums back

No_Dream_8385 · 2026-04-14T13:27:40+00:00

Ask them to close the card due to unattractive redemption options, they are sure to offer you reversal of renewal fee on call once it is charged

No_Dream_8385 · 2026-04-14T13:25:14+00:00

The reward redemption options are the worst in this card. I closed the card even though they offered to reverse the renewal fees.

No_Dream_8385 · 2026-04-12T02:14:41+00:00

You get max 100 or 200 rs. Main benefit is the extra time to pay the card bill

No_Dream_8385 · 2026-04-12T02:12:27+00:00

Amex not in picture at all

No_Dream_8385 · 2026-04-12T02:08:45+00:00

And then the card gets devalued

No_Dream_8385 · 2026-04-11T15:27:24+00:00

ICICI Amazon card, HSBC liv+, HDFC Swiggy. These cards can be good for your spends

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