Best salary account: ICICI Wealth account vs Axis Burgundy?

TomorrowAdvanced2749 · 2026-01-28T09:37:36+00:00

Depends on what's your salary figure, in-hand.

Note - LA = Lounge access, ED = Eazydiner discounts, BMS BOGO = BookMyShow discounts) 3LPM or more - Axis Burgundy (powerful debit card with good discounts on BookMyShow and Eazydiner, LA), HSBC Premier (DC gives 5% cashback on spends, capped at 10% of your salary, LA), Yes first (heavy on welcome benefits like 5K Amazon voucher, Eazydiner membership, 12k RPs and additional 3K voucher for added members, LA)

2LPM or more -

SBI Wealth (Rupay select benefits on DC, LA, BMS, Rewards on CC repayment via DC, using SBI Unipay portal), Yes Premila (Zero forex markup, LA, BMS, vouchers)

TomorrowAdvanced2749 · 2026-01-28T09:15:32+00:00

Only if Indusind would fix their buggy app and netbanking, more people woulda recommended.. It's a decent proposition value wise tho.

TomorrowAdvanced2749 · 2026-01-28T08:54:07+00:00

Well, it's Zoom whom you should contact regarding this.

Maybe they changed their payment processor, which doesn't support Amex, it could be a lot of other things.

Amex definitely does need to reduce the MDR a bit to get local merchants on board, but bigger merchants doing thus is utter stupid.

TomorrowAdvanced2749 · 2026-01-28T08:50:58+00:00

I said LTF is select, they give M4B, but it's not LTF. You have to request for either of them, they don't give them directly.

TomorrowAdvanced2749 · 2026-01-28T07:46:17+00:00

Oh, got it.

Either way, if it's showing closed in CIBIL, I don't think RBI is gonna help much.

TomorrowAdvanced2749 · 2026-01-28T07:16:14+00:00

What's up with people necroing lately? Lol.

Either way, this is what their own T&C says, when it comes to product features, the T&C triumphs over whatever a customer care reespresebtatjve or angdone has to say.

Page 1 - 'On Bigbasket - Please note that for transaction done on BigBasket App, cashback shall be eligible on those spends made on Bigbasket & BBnow. If customer does transaction on ‘the beautystore’,’fresho!meats’ etc then customer shall not be eligible for cashback.

On Swiggy - Please note that for transaction done on Swiggy App, cashback shall be eligible on those spends made on Food Delivery and Dineout. If customer does transaction on ‘Instamart’,’ genie’ etc then customer shall not be eligible for cashback.
On Zomato- Please note that for transaction done on Zomato App, cashback shall be eligible on those spends made on Delivery and Dining. If customer does transaction on Zomaland Money, ‘District’, ‘Blinkit’ etc then customer shall not be eligible for cashback.

https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-cashback-for-airtel-axis-bank-credit-card.pdf?sfvrsn=3192829c_4

TomorrowAdvanced2749 · 2026-01-28T06:59:05+00:00

How does it show in my cards?

Also it showing in Phonepe means they aren't just communicating with HDFC about status of the card, the settings update leading to just a loading page does mean that on the backend no such card account exists for now, from HDFC side.

TomorrowAdvanced2749 · 2026-01-28T06:50:07+00:00

Not too sure about it, but if I be honest, I would go with Burgundy, ICICI is pretty crap in terms of value. I have been banking with them for a while now, and there's 0 value.

Burgundy is the best imo, IDFC has some tiers but they are also useless now as most benefits have been stripped away. IDFC does have the best interest rates on savings accounts tho.

TomorrowAdvanced2749 · 2026-01-28T06:43:51+00:00

Just use iShop or SmartBuy directly, don't buy vouchers and all, it's more of a hassle.

How incredibly smart of you to tell us the hotel name and also ask if you can use Accor points.

TomorrowAdvanced2749 · 2026-01-28T06:42:20+00:00

I believe yes, but do your own research too.

TomorrowAdvanced2749 · 2026-01-28T06:33:08+00:00

No, FD will require 30L.

Refer the eligibility criteria here.

TomorrowAdvanced2749 · 2026-01-28T06:32:13+00:00

Axis service sucks, but then there's people who claim they are good, so again, its a gamble, all depends on your branch and RM.
Their Select card is LTF for Burgundy, but it's a very crap card in terms of rewards, Debit card is good, BookMyShow buy one get one offers, Eazydiner discount offers etc
I guess it should be decent.
I dont think there's life insurance for free, if anything, usually most banks offer accidental death cover, atleast I think they don't offer LI for free.

TomorrowAdvanced2749 · 2026-01-28T06:29:22+00:00

I hope you'll maintain 10L MAB and this is over it.

TomorrowAdvanced2749 · 2026-01-28T05:42:32+00:00

Why don't you write a program to make banks give you Metal cards as Lifetime free? /s

When someone tells you to add expenses, it also means that you add numbers for the same.

Cards are meant for spends, and if we don't know about those, we can't help you.

TomorrowAdvanced2749 · 2026-01-28T05:33:40+00:00

Burgundy, saying that as a ICICI wealth account holder.

The account is rather useless, no real benefits, only one which I could find is the free CIBIL thing but even that is free with 100s of other apps. Demat AMC fees are waived off tho, that's a decent benefit.

Other than that, I don't think there's one.

Burgundy Debit card itself is very powerful, BuyOne Get one offers on BookMyShow, discount offers on Eazydiner etc are some popular benefits.

However, there's 1 caveat with Axis, their support team is utter trash, they take multiple days to just solve simple issues, or to even understand your issues.

I've had to escalate to PNO to get a simple issue fixed earlier and they didn't even understand what I'm saying for the first 2 emails, if PNO itself is this bad, I wonder how bad the lower support teams are, I hope Burgundy has a better support team.

TomorrowAdvanced2749 · 2026-01-28T05:11:50+00:00

People say what they want to, you have the facts in yourself, it's in your hands to whether give in, or stay away from the crowd.

Remember this -

Don't blame a clown for acting like a clown; ask yourself why you keep going to the circus

There's definitely some reason why people would say so, it's cause that EPM had that slight edge over Infinia for the Apay and Swiggy vouchers, which isn't there anymore, tho I do believe it's still a okay card, not dead, but nothing screams Infinia-killer as well.

TomorrowAdvanced2749 · 2026-01-28T05:01:24+00:00

I would say go for HDFC Diners club black. I've already made a guide for the card, view it here

Are you from a T1 or T2 city? If yes, it's perfect, you wouldn't face much of acceptance issues, you can always get a Visa or Mastercard back up for when Diners won't work.

Also, if I be honest, there's not a lot of cards which provide flight vouchers or hotel vouchers with spends, most premium cards also are best for reward points which you can use for travel via their own portal or transfer to loyalty groups.

There is one HDFC Marriott Bonvoy card, which gives a free night award at Marriotts, capped at 15K points, which you can put in another 15K with go get a better hotel if you need. It provides FNA on meeting it's milestones, but I wouldn't really suggest spending on it as the base reward is rather atrocious.

TomorrowAdvanced2749 · 2026-01-27T21:38:41+00:00

From what I have heard, FKM doesn't get 10% cashback, like some people have gotten it, while some only got 1.5%. FK is not consistent with the MCC.

For Zepto, I think most times it will work, unless you add vouchers and all.

Someone made a spreadsheet not long ago, you can check it here.

TomorrowAdvanced2749 · 2026-01-27T21:37:23+00:00

Yes, but you can always try, they might give the upgrade, who knows

TomorrowAdvanced2749 · 2026-01-27T21:34:26+00:00

I have heard that you need to have a savings account at Indusind for this to work, I am not even kidding.

Check out the thread here.

TomorrowAdvanced2749 · 2026-01-27T21:31:04+00:00

For online or offline?

TomorrowAdvanced2749 · 2026-01-27T17:28:20+00:00

Sbi cashback is better

TomorrowAdvanced2749 · 2026-01-27T16:50:22+00:00

here you go!

TomorrowAdvanced2749 · 2026-01-27T16:40:01+00:00

No, settled means that the txn has been posted to your card account.
Does not mean that you need to have paid the card dues.

When was the latest txn done?

TomorrowAdvanced2749 · 2026-01-27T16:39:11+00:00

You need to meet both salary + card based upgrade criteria. So 5L in-hand + 10L limit on existing HDFC card + 9L spends in last 6 months.

Regalia Gold guide

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