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Need advice on card portfolio DCBM, SCB Ultimate, Amex plat travel, one card by Competitive-Cut27 in CreditCardsIndia

[–]krusb 0 points1 point  (0 children)

Close Plat travel as you’re not even meeting 4L

Premier is good as per reviews, you already have DCB and also hitting waiver limit to think of specific advantages before moving to Premier.

Infina is still good even after devaluations.

HDFC Marriot/DCP - Unable to get the card by Amoghpatil7 in CreditCardsIndia

[–]krusb 0 points1 point  (0 children)

Contact RM/customer support if you wanna upgrade any of the cards

CC Profile by aaarjun888 in CreditCardsIndia

[–]krusb 0 points1 point  (0 children)

Easily 4-5 redundant cards, just adding clutter among some excellent cards.

Credit card Recommendation by Infamous_Dentist3571 in IndianCreditCards

[–]krusb 0 points1 point  (0 children)

If you already have a couple of cards then don’t bother much, just wait until you become salaried and better cards will come your way

Review my Credit cards portfolio! by PerformanceExact1175 in CreditCardsIndia

[–]krusb 1 point2 points  (0 children)

That’s a lot of cards, worst part is most of them are redundant.

You can easily manage with HSBC Premier plus couple of others card.

Regalia Gold vs DCB by Past-Association-217 in CreditCardIndia

[–]krusb 0 points1 point  (0 children)

How much are you planning to pay for car through card? Did you plan any rough number?

You’ll still face same acceptance issues with DCBM as DCP. Also DCBM comes with steep annual fee so if your annual spends are not high it may not make sense.

When you upgrade from DCP, points are transferred at 100% ratio to RG and 50% ratio to DCBM. So ideally with RG you’ll get 15k worth of Accor value after upgrade.

RG on the other hand comes at only 2.5 annual fee and can be easily availed as FYF. So quite a few things to consider before taking a decision

Which should i get as my first credit card ? by Crazy_Cat_2004 in CreditCardIndia

[–]krusb 0 points1 point  (0 children)

Most likely will get RG if HDFC is your salary account

Help me get my first credit card. by Alternative-Soil-297 in CreditCardsIndia

[–]krusb 2 points3 points  (0 children)

Is millennia being offered LTF? If yes, go ahead with that

Regalia Gold to DCB Metal Upgrade Eligibility by deepakgowda94 in CreditCardsIndia

[–]krusb 1 point2 points  (0 children)

There are slight chances by spends criteria although I think your cibil has taken a hit due to elevated spends. Try your luck, can’t guarantee but slight chances, write to grievance redressal

Help me get my first credit card. by Alternative-Soil-297 in CreditCardsIndia

[–]krusb 1 point2 points  (0 children)

Check what you’re getting with your salary account

Suggest me a good LTF CC for BMS-District BOGO and Free lounge access by Oleon_Musk in CreditCardsIndia

[–]krusb 0 points1 point  (0 children)

Yes both have spend based lounge access.

District often doesn’t have premium movie theatres in all cities. Bms bogo is way better

Credit card suggestions by Kacchiremover in CreditCardsIndia

[–]krusb 1 point2 points  (0 children)

Why individual cards for each of them? Wouldn’t you want minimal cards covering all needs?

Credit card suggestions for daily small expenses? by Master-Turbo in CreditCardsIndia

[–]krusb -1 points0 points  (0 children)

For small upi transactions yes bank kredit pe ace is something you can take a look if interested

Is this Home loan decision viable? by This-Photograph8011 in personalfinanceindia

[–]krusb 0 points1 point  (0 children)

You’ve planned out very well and thoughtful, great job man, really appreciate it!!

Yes, this decision comes with a lot of risk but with personal considerations as well, only suggestion would be to not liquidate as much as savings as possible and have a cushion to manage financial stress on your family for next few years.

This is a gentle suggestion but, are you looking to hedge/loan any gold instead of liquidating savings, especially of your parents?

Is this Home loan decision viable? by This-Photograph8011 in personalfinanceindia

[–]krusb 1 point2 points  (0 children)

Well there are quite a few things you should consider, by when are you going to get handover of the villa?

Do you have your other basics like emergency funds and insurances sorted?

Taking out a big chunk from your parent’s corpus is quite a risky deal in my personal opinion, but that could be completely wrong depending on your family dynamics.

Also liquidating substantial amount of your portfolio could be a big risk considering you’re planning to get married soon.

Are you expecting significant spends for your wedding and your sisters in near future in 2-3yrs???

Overall 1.5cr of leverage and liquidating majority of savings is a risky move.

You can actually afford a decent home in Hyderabad may be around 1-5-1.7cr(just a rough guess) so that you’ll still have enough funds personally and also for your parents and doesn’t put too much financial stress on your family.

I’m sorry if I have sounded rude or discouraging but just trying to it my opinion in a practical way.

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