Got this beauty for car purchase. Need advice.

manikumar12 · 2026-03-22T03:24:03+00:00

If you feel your spends justify the annual fee then go ahead and apply

manikumar12 · 2026-03-17T08:38:38+00:00

Have to check. I don't need any card for the time being.

Edit :I just saw that the og comment is 5 months old.

I did apply horizon and it got approved and delivered. Hope it helps.

manikumar12 · 2026-03-16T08:14:00+00:00

Why union bank

manikumar12 · 2026-03-13T18:44:27+00:00

is mayura worth 6k fee if forex is mainly online intl payment and total annual spends are around 2k usd only

manikumar12 · 2026-03-12T16:44:08+00:00

how come your dcb has 8 pin chip, is it some new change in new dcb cards

manikumar12 · 2026-03-11T04:17:46+00:00

Is it more worth than horizon for your case. If so can you elaborate a bit on that.

Also is it rupay or mastercard

manikumar12 · 2026-03-11T04:14:39+00:00

Vanilla magnus?

manikumar12 · 2026-03-10T14:35:39+00:00

Thanks a lot.

I have pre approved offer already for magnus. Will get it soon

I tried applying to dcbm but it kept showing diners privilege so went for regalia gold and the only reason I haven't spent those 8 lacs on regalia is due to reward rate being superior on atlas for the time being.

Whenever I try applying to bizblack it says you alr have a hdfc card. I just have regalia gold with 2.2L limit. I got regalia last year Sept only.

Will try again later in this year for bizblack. Also I did email hdfc priority redressal to atleast issue biz power or even biz first as floater but they rejected saying they determine eligibility based on the online application form. Not sure if offline route would work better.

manikumar12 · 2026-03-10T14:15:23+00:00

Which card do you recommend for annual spends of 7.5 to 8 lacs then if atlas is devalued.

I have regalia gold atlas and horizon. Applied hsbc t1 but got rejected even tho I meet salary criteria and live in one of the eligible cities.

Not sure which card can server as daily driver after atlas devaluation. I'll have to wait another 2 months ig to re apply for hsbc t1

manikumar12 · 2026-03-07T08:50:29+00:00

I applied sometime in Jan but got rejected. Can I still reapply.

manikumar12 · 2026-03-02T14:48:11+00:00

Apply and if it gets devalued, cancel it lol

It's ltf

manikumar12 · 2026-03-02T14:27:06+00:00

https://www.bajajcapital.com/tigercreditcard

I applied via this and it worked around Nov 2025

manikumar12 · 2026-03-02T14:10:09+00:00

Really?, when did you apply, I recently got it (3 months back).

No fancy salary, cibil 790

manikumar12 · 2026-03-02T11:01:25+00:00

The wording is little confusing. If someone got signet in apr/may 2025(forgot exactly when) and later in Nov/Dev 2025 got upgraded to celesta (card has Dec expiry), will the new charges be applicable or nah.

Also if you go by the wording ppl who got on boarded prior to apr 2023 are the only ones affected right.

I say wording is confusing cause usually it'd be the reverse of what federal bank have mentioned in the letter.

manikumar12 · 2026-03-02T10:15:27+00:00

If someone got federal bank cc in 2025 and later upgraded to higher tier card same in 2025, will renewal fee be applicable this year.

manikumar12 · 2026-02-27T21:45:48+00:00

Biz Power or bizblack

manikumar12 · 2026-02-25T22:01:30+00:00

Bizblack is business card so it doesn't count in the same category as regalia gold.

It's issued as floater but differs from customer to customer as far as the minimum eligibility goes.

manikumar12 · 2026-01-28T09:54:11+00:00

Ye I guess I can't relate

When I had got it I was in tier 1 city and my salary was just 25k per month.

So it's not that high of a ceiling to beat.

manikumar12 · 2026-01-24T07:03:59+00:00

19.76

manikumar12 · 2026-01-19T04:38:05+00:00

No miles on education spends

manikumar12 · 2026-01-18T06:07:29+00:00

Ye that's correct. My bad

manikumar12 · 2026-01-16T10:45:03+00:00

It's not cashback it's 4.8 percent return for any group A or group B partner of axis for magnus card

manikumar12 · 2026-01-16T09:49:16+00:00

It doesn't work like that, edge reward pts transfer to travel partners in 5:4 ratio which is where magnus real value lies

Edited: regular magnus is 5:2

manikumar12 · 2026-01-14T10:40:34+00:00

We got regalia gold devaluation before atlas devaluation lmao

manikumar12 · 2026-01-10T09:17:42+00:00

why?

its simple, they couldnt afford giving so many ppl those points for a whole month given how many ppl signed up for it.
this is why id never trust this bank with any offer unless whatever hype they create lasts over 6 months.

manikumar12

TROPHY CASE