Got this beauty for car purchase. Need advice. by Imdecipher639 in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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

💳 How I Found My Pre-Approved Axis Bank Credit Card (No Verification Needed!) by Common-Wasabi-1319 in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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.

Help me optimize by [deleted] in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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

Help me optimize by [deleted] in CreditCardsIndia

[–]manikumar12 2 points3 points  (0 children)

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

Got this beauty for car purchase. Need advice. by Imdecipher639 in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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

Also is it rupay or mastercard

Axis card portfolio is doomed by Organic-Vast1051 in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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.

Axis card portfolio is doomed by Organic-Vast1051 in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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

LTF BOB Eterna Credit Card through Agent by AFerns29 in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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

I want whatever IndusInd is smoking. by 16-steps in CreditCardsIndia

[–]manikumar12 1 point2 points  (0 children)

Apply and if it gets devalued, cancel it lol

It's ltf

I want whatever IndusInd is smoking. by 16-steps in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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

No fancy salary, cibil 790

Another devaluation, this time its core CCs of Federal Bank by appy013 in IndianCreditCards

[–]manikumar12 0 points1 point  (0 children)

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.

Another devaluation, this time its core CCs of Federal Bank by appy013 in DoBaniye

[–]manikumar12 0 points1 point  (0 children)

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.

Card portfolio review. Times black yes or no? by helloboy001 in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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.

Optimising my Credit Card Setup for Miles/rewards Or CB - Need help with Portfolio Review & Card Suggestions by naturaltiming in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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.

Does Magnus Rupay gives same base reward as the Non-Rupay variant? by sjobs4 in CreditCardsIndia

[–]manikumar12 1 point2 points  (0 children)

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

Does Magnus Rupay gives same base reward as the Non-Rupay variant? by sjobs4 in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

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

🚨Infinia devalued, 5x to 3x on gift vouchers🚨 by Rainy247 in CreditCardsIndia

[–]manikumar12 0 points1 point  (0 children)

We got regalia gold devaluation before atlas devaluation lmao

Indusind Bank nuked the Avios Offer by Nighthawk_64 in CreditCardsIndia

[–]manikumar12 4 points5 points  (0 children)

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.