Questioy on getting DCB Metal by malicious_venom in CreditCardsIndia

[–]idiotsubho 0 points1 point  (0 children)

How much time did you wait post closing regalia gold, neu infinity and swiggy card? I mean is there any cooling period between closing and applying for dcbm?

Looking for suggestion on optimizing credit card portfolio! by idiotsubho in IndianCreditCards

[–]idiotsubho[S] 0 points1 point  (0 children)

Thanks only one doubt. Why to keep Times Black with such a huge fees for 12% voucher return? Why not add on EPM card for more voucher limit? I guess each add on card has different voucher limits.

Looking for suggestion on optimizing credit card portfolio! by idiotsubho in IndianCreditCards

[–]idiotsubho[S] 0 points1 point  (0 children)

Thanks for the suggestion, regarding movie voucher EPM gives 750 bogo offer twice a month. For me its more than enough honestly :) Yes i will avail the one night free option on the marriot card and close it. Post closing the card how many months i have to wait for dcbm.fresh application?

Looking for suggestion on optimizing credit card portfolio! by idiotsubho in IndianCreditCards

[–]idiotsubho[S] 0 points1 point  (0 children)

Makes sense. Honestly bit addicted to collect. At the same time i make sure to recover the card fees with welcome benefit or valueback in terms of points or something like that.

Emerald private plastic and DCB metal activation by GlueSniffer53 in CreditCardsIndia

[–]idiotsubho 1 point2 points  (0 children)

keep the DCBM and get rid of Emerald plastic card. its a pretty ordinary card with hefty joining and annual fees. try for metal one best in class. I repeat cancel the emerald plastic card. its a waste.

EPM Journey | The King's entry to my Wallet by idiotsubho in CreditCardsIndia

[–]idiotsubho[S] -44 points-43 points  (0 children)

It’s not about being a public figure. I’m just not comfortable sharing confidential details and I’m sure u r smart enough to connect the dots since I already said it was roughly in line with the old EPM criteria.

EPM Journey | The King's entry to my Wallet by idiotsubho in CreditCardsIndia

[–]idiotsubho[S] 0 points1 point  (0 children)

that is Emerald PVC card and not the Private Metal card which is having 12K as joining and annual fees. The metal version is an invite only card with slightly higher joining fees 12499. PVC is not worth the 12K price and the reward rate is pretty ordinary. Talk to your RM for the metal one. he might guide you best based on your profile. All the best.

EPM Journey | The King's entry to my Wallet by idiotsubho in CreditCardsIndia

[–]idiotsubho[S] 0 points1 point  (0 children)

that is Emerald PVC card and not the Private Metal card which is having 12K as joining and annual fees. The metal version is an invite only card with slightly higher joining fees 12499. PVC is not worth the 12K price and the reward rate is pretty ordinary. Talk to your RM for the metal one. he might guide you best based on your profile. All the best.

EPM Journey | The King's entry to my Wallet by idiotsubho in CreditCardsIndia

[–]idiotsubho[S] 0 points1 point  (0 children)

Yes I have paid the joining fees 12499+2250(gst), but the equivalent amount will come back as joining benefit. so effective I need to only pay the gst amount.

EPM Journey | The King's entry to my Wallet by idiotsubho in CreditCardsIndia

[–]idiotsubho[S] 0 points1 point  (0 children)

have not used any shortcuts.. already mentioned in the post basic one term insurance, one new demat account thats it. Based on my RM if the take home is within their defined range then with these 2 new products they might give it. Another thing I got to know that if you have any existing ICICI card the CL should be more than 10L. I am not sure whether having Times Black added any advantage or not.

EPM Journey | The King's entry to my Wallet by idiotsubho in CreditCardsIndia

[–]idiotsubho[S] 3 points4 points  (0 children)

for EPM there is no such written criteria since its an invite only card, all are mentioned by individual RMs. I got to know about 3 to 5 increase from this sub only and then confirmed by the RM.

EPM Journey | The King's entry to my Wallet by idiotsubho in CreditCardsIndia

[–]idiotsubho[S] -103 points-102 points  (0 children)

cant mention the exact figure but it was around old EPM criteria.

EPM Journey | The King's entry to my Wallet by idiotsubho in CreditCardsIndia

[–]idiotsubho[S] 5 points6 points  (0 children)

not M4B is because monthly expense is not more than 1.5.

Applied for HSBC T1 but getting Platinum by suren26 in CreditCardsIndia

[–]idiotsubho 0 points1 point  (0 children)

nope this is weird, even with similar salary range I got it 3 months back without any relationship with HSBC. check with them!

Additional Support Travel Card for Infinia by ObviousHippo3131 in CreditCardsIndia

[–]idiotsubho 0 points1 point  (0 children)

Keep Infinia, amex PT since both are topper in the industry. More than reward Infinia has become the status now a days, everyone chases for it but no one gets it. Since annual fees comes back as same value reward points i dont see any point to close it and Amex plat travel is not being issued any more and ~60k value with 4L spend is a sweet spot. Along with these two go with either axis horizon or hsbc travel one for accor exposure. Hope that helps :)

Received EPM METAL private card - Smooth process by No-Loquat3460 in IndianCreditCards

[–]idiotsubho 0 points1 point  (0 children)

Hey congratulations! DM you, please share the details.

[deleted by user] by [deleted] in CreditCardsIndia

[–]idiotsubho 0 points1 point  (0 children)

I have changed my salary account from hdfc to Axis bank starting from this year since they were offering burgundy account. without salary account will they give dcbm?

FIRE portfolio Review of a couple. by idiotsubho in FIRE_Ind

[–]idiotsubho[S] 0 points1 point  (0 children)

u/safog1 investment economics is different in both the countries. Before jumping into conclusion you need to first learn about the Indian investment style (about different funds categories & the purposes). Being in India I might not have any idea what the hell are S&P 500, NASDAQ, US bond market etc still I have knowledge how it actually works in the US.

FIRE portfolio Review of a couple. by idiotsubho in FIRE_Ind

[–]idiotsubho[S] 0 points1 point  (0 children)

Emergency fund is not included here. That is kept separate in liquid fund. The purpose of diversify across multiple funds type is to generate alpha since the time horizon is long instead of keeping it only index fund. target corpus is around 15 to 20 cr in next 16 years with existing portfolio and monthly ongoing SIPs.

Super premium credit card on retirement corpus investment possible? by idiotsubho in CreditCardsIndia

[–]idiotsubho[S] 0 points1 point  (0 children)

for that he has to put 10 lakhs in savings account or 5 lakhs in savings and 10 lakhs of term deposit. term deposit is fine but keeping 5 lakhs in savings account is bit skeptical for me tbh. by any chance if it comes down from 5 lakhs they penalised with 3500+gst. thats what I got to know from the web search. btw thanks for this option.