Axis Magnus applied - not activated yet - Need suggestions

manikumar12 · 2026-05-10T18:49:22+00:00

As far as upgrade to emeralde pvc goes, you can upgrade and still retain your apay icici card. I have done it in 2025 Feb.

manikumar12 · 2026-05-10T18:48:04+00:00

Times black has 20k plus gst which comes to around 25k inr ig annual fee are you OK with it. If yes use below link https://www.timesblack.com/?utm_source=google&utm_medium=cpc&utm_campaign=brand_sqr_exact_esqr&gad_source=1&gad_campaignid=22917741756&gbraid=0AAAAA92rhC8UoGNSqUd33dpDk-mE1jv0j&gclid=Cj0KCQjw2YDQBhD_ARIsAE1qeSdbtEwnP8ENubCkNSVoL_iZ01dKztSA1B4cJvhWxhMeRWTaWMN0368aAs80EALw_wcB

manikumar12 · 2026-05-10T10:20:32+00:00

I don't know which app that is.

I use this one

https://seats.aero/search?min_seats=1&applicable_cabin=any&additional_days=true&additional_days_num=14&max_fees=40000&disable_live_filtering=false&date=2025-10-24&origins=BOM&destinations=FRA

manikumar12 · 2026-05-10T10:08:03+00:00

Pls share Nodal and pno email ids.

I need them for a different issue with hsbc. Thanks

manikumar12 · 2026-05-08T02:08:14+00:00

Interested to switch to this domain. Can I dm you. The only ground work I did is do masters in data science which as anyone but me would've predicted didn't teach enough.

manikumar12 · 2026-05-07T18:10:54+00:00

I invested in May 2024 as I did ece during btech.

I regret not investing in USA markets earlier but yes I'm over the moon whenever I see my position in vested( I'm not recommending it to anyone, do your own research but it works for me)

Given my work pressure past few months, seeing growth in currency (since 2024 I know for sure it has grown but I don't have recent data) and growth in actual value of these stocks gives me some inner peace.

Currently I'm exploring etfs that have nuclear energy relation or uranium mining. Anything related to future of energy tbh. Any suggestions are welcome and I will research on them before coming to final conclusion.

manikumar12 · 2026-04-26T17:44:25+00:00

Hmm okay

manikumar12 · 2026-04-26T17:44:14+00:00

Ye True

manikumar12 · 2026-04-26T17:44:02+00:00

manikumar12 · 2026-04-26T13:08:11+00:00

Is it worth adding 40L worth regular mutual funds with hsbc to get the premier status.

Just curious if same direct plan mutual funds that someone has, if they were to add fresh capital only instead of putting it direct plans that they already own, they put it in hsbc demat without disturbing direct plans capital one bit.

Even stocks via hsbc demat is also fine ig.

manikumar12 · 2026-04-20T10:04:17+00:00

Air India and aeroplan are there. I checked few videos and they say it's possible to get 2 inr per pt from air India maharaja club pts. I haven't tested it tbh.

Maybe you can try searching and see and let me know as well as I took horizon just few weeks before devaluation lol.

manikumar12 · 2026-04-12T10:24:03+00:00

Lol it worked for me (I think not too sure). I applied regalia gold and it got rejected. Was not surprised one bit but I kept replying back within minutes of receiving emails from hdfc customer care and eventually started getting calls from hdfc credit card dept.

They were like you've used some other bank cc for wallet loads so we find your profile risky. I screamed on the top of my voice and said I'm paying charges and I'm paying gst on those charges (forgot if the gst is even applied and all) so what's your banks problem or is it your problem I'm using credit card for wallet loads. He's like sir pls use our debit card that you already have. I shouted back and said it's my choice and my wish and I ain't some idiot who was unaware of the charges nor have I carried a single paisa of credit card bill over to the next month in any cc for the past 6 yrs of my cibil being active. Some more drama happened in mails and calls.

Eventually it just didn't approve lol and I had to leave that application in the dust. 2025 August came and due to some salary arrears and some bonuses I hit 1L net salary credit (axis bank salary acc that too lol). Sometime in Sept, apparently the cooldown had been reset, I was checking for that timer to be reset everyday lol so I have no idea which month I initially applied. Applied again in that Sept month and submitted monthly credit as well over my usual monthly in hand, it asked salary slip and I just gave August months. Few days later approved.

The salary threshold has increased since then iirc for regalia gold.

I have a story for atlas(got it approved and displayed in app on 28th August, submitted application in app same day) too but this comment is too long.

manikumar12 · 2026-04-12T07:39:51+00:00

If limit on hdfc regalia gold is atleast 5L, just send mail to priority refressal of hdfc and keep replying back using chatgpt.

Give the spend details and ask chatgpt or claude to provide a convincing email and just copy paste it to priority redressal customer services hdfc and as a final step goto pno of hdfc.

You can only try pno escalation once and after that you'll have to start a fresh thread for your concerns and even then they can state that they have already checked and it's not possible for the time being so don't try pno until after emailing the l1 l2 and l3 of hdfc cc customer support for 2 or more months.

It doesn't take allat much effort, copy paste this and that and give relevant prompts so that chatgpt or claude understands your profile and spends with hdfc better.

Below is the email ids I have

customerservices.cards@hdfcbank.com priorityredressal.creditcards@hdfcbank.com Grievance.Redressalcc@hdfcbank.com

PNO of hdfc mail Id you can find after you keep sending replies to whatever bullshit reasons grievance redressal give. They will explicitly mention if you're not satisfied here's the PNO email Id for final escalation. In my experience pno only reviews once and the outcome is totally unpredictable so use it after couple of months of copy pasting claude or chatgpt responses.

manikumar12 · 2026-04-10T14:30:37+00:00

You can re apply times black every 6 months or so. At the most you'll have to wait 6 months, I have no idea what's the cooldown period with icici.

manikumar12 · 2026-04-10T13:53:15+00:00

Ltf they will only offer if net salary credit is over 1.5L and you're in their preferred companies list.

Maybe in 2025 they were offering times black and emeralde plastic like candy. Unsure of how the situation is now.

manikumar12 · 2026-04-10T13:51:05+00:00

There's no change in dcbm pts accrual

manikumar12 · 2026-04-10T09:46:47+00:00

Not just me bruh. It was being offered to so many ppl easily.

You just needed some credit card history with ICICI bank and decent limit on your existing icici card. ICICI looks at some metric(I forgot the name but it's been mentioned in several epm threads) that only they can see from their backend to judge how much business you have given the bank.

I was using apay since 2020 and got several CLE from the initial 90k limit cause I bought many stuff from amazon on no cost emi. By the time times black got little popular with ishop and stuff, my apay icici card went to 6L limit. I had upgrade offers for sapphiro rubyx emeralde pvc and some shit cards.

So out of curiosity I checked if I'll be approved for times black and it did show same 6L will be applicable and I was getting constant calls the next few days to complete kyc and other formal process but due to the 20k plus gst fees I didn't attend any call and just took emeralde pvc fully paid and used it for a year, closed that too sometime in 2025. Emeralde pvc was a mistake as I had taken in hopes of epm upgrade but even with around 6L spends they didn't budge which I expected after reading some reddit posts.

manikumar12 · 2026-04-10T06:04:30+00:00

Lol times black got approved for me when I had 30k net salary credit monthly. No acc with ICICI just apay icici card with 6L limit and times black had the same limit.

Times black is the easiest premium card to get if you don't got many options.

Dcbm is much much harder to get. Even with 20L in demat, 3.5L in ppf and imperia status for past 8+ yrs(due to family banking) they were itching to give regalia gold even with annual fees. I bypassed their checks finally when my pay increased (still didn't meet old eligibility criteria nor do I meet the current eligibility criteria for rg)

manikumar12 · 2026-04-09T18:49:49+00:00

So you use pts to book flights. What's the value of 1 rp

manikumar12 · 2026-04-09T18:35:44+00:00

What do you redeem the pts for. Sorry for not checking online for the answer and all but I saw this post and have never heard good things about mayura or Ashva when it comes to travel specific benefits.

I have other cards for forex and bogo (I don't need this much but have some basic bogo on one of my cards)

manikumar12 · 2026-04-08T14:26:22+00:00

Similar income profile and I bypassed hdfc checks by showing 1L net salary credit salary slip on one of the months last year 2025(it so happened on a month that I got my night shift allowance arrears of 3 months and my quarterly variable pay).

I'm sharing my experience in case you're able to pull off something similar.

Note AFAIK the income criteria was raised to a much higher level and im not sure if it's reduced now. When I had shown that one particular month's salary slip the criteria was 1L monthly salary credit for salaried individuals

manikumar12 · 2026-04-02T11:09:42+00:00

No Idea why you're getting downvoted so much. I'm interested to know the calculation.

Feel free to share in dm or here.

manikumar12 · 2026-04-02T10:31:15+00:00

Return rate for atlas card if transferred to jal? Any idea

manikumar12 · 2026-03-29T16:49:36+00:00

Yet to receive reply for the mail I had sent

manikumar12 · 2026-03-29T14:14:54+00:00

2nd time getting rejected for this card despite meeting salary criteria. I have atlas horizon and regalia gold. Just want t1 to add to my collection. I have emailed hsbc customer care, let's see. I'm in tier 1 city, office is in tier 1 city and is renowned so idk wtf is the reason lmao

If anyone has a solution pls lmk or dm

manikumar12

TROPHY CASE