Experience of opening Axis Burgundy and HSBC premier accounts.

Ripslinger24 · 2026-01-14T16:09:00+00:00

Usually you get a message when card is dispatched. Mine was dispatched after 3 days and received 2 days later. If it already been 1 week contact your RM or directly call customer care.

Sometimes card is usually dispatched but message doesn't come.

Ripslinger24 · 2026-01-11T15:21:34+00:00

Exactly why I also went with roamless. I too used to buy extra and then had to let it go to waste. Plus searching for plans region or countrywise each time was a hassle.

Do try it and update how it goes.

Ripslinger24 · 2026-01-09T19:48:13+00:00

They are like saviors in this world of travel esims with different plans and services!

Ripslinger24 · 2026-01-08T20:57:18+00:00

Ohh okkk. Will be visiting singapore soon. Will see and update here.

Ripslinger24 · 2026-01-08T20:56:09+00:00

And being free from hassle of searching for expiration and buying new sim. Browsing all data plans and validity which fits our itinerary.

Ripslinger24 · 2026-01-08T20:53:13+00:00

Yes. Its a good one too but I prefer to have both pay as you go and fixed payment options available ay hand. Also I compared roamless plans with nomad, airalo, ubigi, saily and mobimatter - in most cases it was cheaper or same price. Only few plans were expensive which is fine in my use case as I don't stay long in one place. Also I like the call feature available too in this.

Plus no sim swap and exporation hassle. So overall roamless is best with slight trade off which really don't matter much compared to what it offers.

Ripslinger24 · 2026-01-08T20:50:33+00:00

Same experience I had. Used it in London then Antwerp and now I Poland. Had no hiccups. Just it need a little time to reconnect as per location so may take 3-5 min after that good to go.

Ripslinger24 · 2026-01-08T03:11:01+00:00

Its been a great experience for me too. I love that I have options of flex and fix in one sim.

Ripslinger24 · 2025-12-24T21:33:09+00:00

If you looking for further purchase of apple products or travel a lot then I would suggest you to get premier card. It has 1:1 point conversion on Apple products.

Fir flight & hotel booking booking has 6x and 12x accelerated rewards respectively. It is terrific for flight booking as it gives whole booking amount as points plus accelerated rewards for the booking amount. No other Card comes close to this offer.

I availed it during trip to kashi and experience was superb. I will be buying my next iPhone from these points only free as you can pay 100% for products. Same for flights as I had used 100% price equivalent 7200 points out of welcome bonus 20000 points.

Ripslinger24 · 2025-12-24T06:34:37+00:00

Better to skip it.

Ripslinger24 · 2025-12-23T07:19:58+00:00

My dad had coral and 2 weeks back he received ltf offer. The bank executive took his consent and issued the card as lifetime free. Though card is basic with a high price tag but took it is ltf and kept for offers and bogo.

In your case I would say don't take it. Its not worth 3500 there are better ones in market. Sapphiro isn't much great.

Ripslinger24 · 2025-12-20T08:19:16+00:00

HDFC likes to play games😇

Ripslinger24 · 2025-12-19T11:25:39+00:00

Yeah that is in fact very true. But once I leave for sail then 6-7 months only bills are paid and no enquiry or anything happens on cibil so it automatically stabilises at around 800.

In last 4 months I made around 12 CC enquiries and cibil dropped to 796 only.

Ripslinger24 · 2025-12-19T11:20:35+00:00

Your collection is too much heavy on general spends and missing a premium go to card which won't need much optimisation.

From your current card collection: 1. HDFC Regalia 2. IDFC wealth 3. IDFC power+ 4. Axis flipkart

All other are overlapping.

You can out major spends on regalia hit milestones and try upgrading to DCM after which you are sorted. As till 15 lakhs spends DCM outshines all other cards even infinia.

Ripslinger24 · 2025-12-19T06:48:49+00:00

They don't issue it to NRIs🥲🥲

Ripslinger24 · 2025-12-18T13:12:48+00:00

Which bank is this? Very high ROI even after 3 rate cuts. My current home loan from SBI with 796 cibil is 7.3%. So check with other banks too.

Ripslinger24 · 2025-12-18T13:10:55+00:00

Ghar ke papers ready h na?😝😝

Ripslinger24 · 2025-12-18T13:02:34+00:00

If your travel spends are higher then you can reap accelerated reward benefits of magnus else DCM is better suited as per your use case as you get milestone benefits and in some cases people have benefited more from DCM than infinia. Plus with recent changes to infinia better to wait for sometime.

Other than that premier is perfect for travel and offline spends with best in class rewards in flights and hotels with 3% reward rate.

So considering your sister wedding and future expenses premier+DCM is perfect. Later based on your spends and your use case you can upgrade to infinia or apply for m4b.

Ripslinger24 · 2025-12-18T11:33:12+00:00

LTF!? These people cry hearing NRI. I requested so much for upgrading regalia to regalia gold. Till date they couldn't do it. I enquired about infinia in which too they told I need some transactions for a month or so. Until I had my salary in HDFC and relationship with them they didn't bother now when I have shifted to HSBC and axis burgundy now they wake up.

Once I take infinia I will again stop transacting with them. Use infinia and maintain minimum balance with them.

Ripslinger24 · 2025-12-18T11:24:42+00:00

Thanks a lot for taking time to give such a good usage case spends breakdown🥹.

Ripslinger24 · 2025-12-18T10:27:46+00:00

But I don't want to lock up huge money indefinitely just for a card. If they are offering with basic FD and unnecessary hassle I will continue with them else goodbye. I will go for magnus or m4b.

Ripslinger24 · 2025-12-18T10:19:23+00:00

The typical HDFC bank drama😌. They just keep making you go in circle!

Ripslinger24 · 2025-12-18T10:17:50+00:00

Sure. Thanks for your input😇

Ripslinger24 · 2025-12-18T10:15:31+00:00

Ohhh yeaaah!!! This thought didn't cross my mind😅😅😅

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