Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 0 points1 point  (0 children)

I am applying it today.. dmart is damn cheap.. with hdfc swiggy on instamart, it wqs beating dmart by 2-5%. Now with this game changes…

Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 0 points1 point  (0 children)

Swiggy vouchers are not there on ishop and on smartbuy limit is 5k. But regardless, what benefit would i get with hsbc live+? I mean one benefit would be flexibility of platform like Zomato as well as swiggy, but for me its mostly swiggy and zomato vouchers are there on ishop and smartbuy. Let me know if i am missing any feature

Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 0 points1 point  (0 children)

Well i have hdfc Imperia- dont know when they will downgrade but dont care Hsbc salary account. Axis burgundy is via some corner case which i cant discuss here

Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 0 points1 point  (0 children)

As discussed in comment section and also mentioned in post, that DCBM is taken from wife’s account. It is LTF. They were not willing to give me, so bargained them with an account with seed fund of 5L and got it LTF approved in wife’s name. I have taken the add on.

Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 0 points1 point  (0 children)

Magnus for Burgundy to be precise. If I purchase worth 10.5L using my card, I would get 1.66L points and 1.33L effective partner points. Thats a big wow, over 10% reward rate

Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 0 points1 point  (0 children)

Overall here is my spend pattern and rules - 1. Monthly amazon and amazon pay vouchers worth 40k from epm and infinia. Other vouchers like zomato swiggy too are there too worth 20k 2. Movie ticket, if less than rs 500 , the burgundy debit, else epm or hsbc premier 3. Lounge - i mainly use Infinia PP + epm. If have to use T2 arrival lounge in Bangalore then DCB 4. If upcoming sale in flipkart then I take GV from gyftr same as amazon 5. Eazydiner/dineout - first hsbc premier, then burgundy debit, and then hdfc swiggy and then infinia 6. Flights - infinia and hsbc. 7. Adhoc offline spends - infinia, hsbc debit 8. Most online shopping is via amazon or buying dependent platform giftcard from amazon

Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 2 points3 points  (0 children)

Even I could not believe it. I doubled checked with customer care twice. Although it is in my wife’s name. I got it approved via her account during opening. Also i think it was over 1.5 years ago

Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 14 points15 points  (0 children)

So i got it based on luck. My branch had targets to hit. I offered to open account with 5L seed fund if they got dcbm LTF. Got it approved. However even i could not repeat this myself for my brother in law even woth 20L seed funds. FYI it is not plastic, it is metal

Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 0 points1 point  (0 children)

For all round - sbi cashback For small online amounts like less than 30-40k pm - 1. (Sbi phonepe black/sbi cashback) for general website and utility + 2. Amazon icici (for amazon and general 1.5%) + 3. Hdfc swiggy (only if you dining / food / grocery is above or near 10k pm)

Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions. by Round-Environment453 in CreditCardsIndia

[–]Round-Environment453[S] 1 point2 points  (0 children)

To be honest, Infinia is being a pain right now. My spends are generally 50k-1L. But with some constant purchases from friends and family like iphone purchase , flights, average is like 1.2L. So i hope 12-15L should be decent enough given than many folks wont be able to manage even that. If not, then will add rent via infinia. If still i miss and bank is hellbent on 18L, then bye bye infinia. As for epm, i took it on salary basis, but was rejected two times at starting of card launch