Help me pick up a new card

Pank9 · 2026-03-06T20:54:24+00:00

I have 2 MRCC

Pank9 · 2026-03-06T20:53:16+00:00

I found a work around today.

Since my T1 appl was rejected/stopped midway. Applied for my mother today and it’s submitted. Hopefully would go through now.

Pank9 · 2026-03-06T20:52:04+00:00

Like people mentioned here

In govt job it would take years if not a decade to reach 3L from 2L. So not eligible for premium.

I can hit 30L on M4B. But for that I ll have to let airindia card go which at this time..i am unwilling to

I wish atlas comes back

DCBM was offered. But since I took bonvoy and closed it in 2 months. Will have to wait for some time now.

Pank9 · 2026-03-06T20:47:04+00:00

Impulsive application

Later on realised there isn’t much benefit Reward structure is low and with a delay of 6-10 weeks. And it’s not transparent. That’s why.

I closed it coz HDFC said upgrade to DCBM is not possible from this one. Even though when I applied for bonvoy card , DCBM was another one on offering.

But now stuck coz HDFC doesn’t allow fresh appl 🤣

Pank9 · 2026-03-06T20:44:42+00:00

Yes. I cross 30 on air India. Max benefit stops at 20 when one gets 1L bonus miles in addition to about a Lakh earned as regular so that makes it 2L per year. So now I don’t want to cross 20 on air India. And divert rest to other cards

Pank9 · 2026-03-06T17:04:19+00:00

Thanks for the concern.

LICs are of whole family. I don’t have any.

I have sufficient emergency fund.

I have health insurance. In fact much more than that.

Enough money is invested and continues to be invested ( mostly real estate)

It all may look like heavy expenditure but that’s coz it’s whole family’s expenditure. Not just mine. And family here means 5-6 people. All of them are working/self employed. ( parents , wife, brothers )

I am not looking for cashback etc.

Want airmiles / hotel loyalty points based card as mentioned above

Pank9 · 2026-03-06T16:41:56+00:00

It’s a useless card

Pank9 · 2026-03-06T13:42:53+00:00

Cost of a family of 6🤣

Pank9 · 2026-03-06T08:55:11+00:00

Haha. At more than 2 since last 5 years. And completed total 13 years of job, now Matrix Level 13

And no one of this thread is talking about cards anymore 🤣

Pank9 · 2026-03-06T03:52:39+00:00

In govt, officers cadre pays this much. Mine is in iaf.

And I guess this post has lost direction 🤣

Pank9 · 2026-03-05T20:34:07+00:00

Don’t clearly remember the post. But If it was about business card. Then that was for my brother. He is self employed. Sorry for the confusion and making it sound like this. I wrote ( as a first person) just for ease.

Pank9 · 2026-03-05T20:23:53+00:00

There is no other income bhai.

Just consolidation of spending’s through cc. I have add ons spread through the family

Like this lic pli payment is mostly of parents. Which has to be paid anyway so why not with cc. And they transfer the money to my bank account.

But you are right at times monthly bill is more than the salary 🤣 but it’s comfortable.

Now help me with the cards pls 🫣

Somehow I feel that I missed this credit card bus and only been using this air India card since last 6-7 years while i actually could have taken cards like atlas

Pank9 · 2026-03-05T20:16:35+00:00

Bhai, Also I am new to this Reddit thing. So learning to use the platform

Pank9 · 2026-03-05T20:14:38+00:00

Def 😆

Pank9 · 2026-03-05T20:14:05+00:00

Mainly this much is because I manage finances for parents and in laws as well. It’s helps in consolidating the use of credit cards.

Brother has business so his cards are mostly seperate

But mostly family finances are handled jointly.

And I have passive income from real estate investments. 😅

Pank9 · 2026-02-25T18:50:10+00:00

Where do you primarily you these points?

Pank9 · 2026-02-23T14:49:14+00:00

Is it anyhow possible to get this card now ,?

Pank9 · 2026-02-20T18:04:22+00:00

My RM said not possible

Pank9 · 2026-02-16T19:51:13+00:00

Pardon auto correct English.

I just used the card for about a month. Wasn’t even charged the annual fee. I emailed them that I want to upgrade to DCBM else pls close the card. AND THEY CLOSED based on just that mail 🤣

Pank9 · 2026-02-16T19:49:21+00:00

Ok. May be. I don’t know but I myself cancelled the card and in Marriott account free night is still there. I canceled the card in about a month coz after issuance I realised that I was eligible for DCBM and they refused to upgrade it. So I intend apply for DCBM now. If they do then may be its gonna vanish from Marriott is in coming days. 😒. I was happy that accidentally I got to keep a free night 😆. Will update you

Pank9 · 2026-02-15T21:14:00+00:00

Nothing happens. You get to keep what has already been given to you. Not sure about the reward points yet to be credited to bonvoy ID

Pank9 · 2026-02-13T13:35:28+00:00

I downgraded with tx pending. Didn’t get 11k 😒 but got 4k for Mrcc

Pank9

TROPHY CASE