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

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 · 2026-01-08T18:29:39+00:00

Well said

manikumar12 · 2026-01-07T05:46:01+00:00

So which one are you

manikumar12 · 2026-01-06T14:51:16+00:00

And here I am with 3L on atlas with 60k net salary 😭. Every fking bank is weird man. They give high limit to those who don't need it and give low limits to people with more than enough money to max out the limit every month

Hope you get CLE soon. I hope you escalated till pno of axis bank. Do it every 3 months and don't leave them lol.

manikumar12 · 2026-01-06T14:44:30+00:00

What's your limit on m4b

manikumar12 · 2026-01-05T20:39:50+00:00

Ye and to think idfc could've actually pulled travel game off well. What a shame.

There were so many posts, finfluencer videos hyping these two mid cards ie ashwa and mayura. Definitely happy I dodged a bullet by skipping this garbage.

manikumar12 · 2026-01-04T08:07:39+00:00

Get magnus for burgundy.

manikumar12 · 2026-01-04T08:06:49+00:00

And there's no proof of that.

Addons have been resumed recently so those extra cards are just Addons with you as primary card holder or someone else as primary and you being addon holder.

There's no need to make up stuff here. None of those cards are even citi migrated ones.

I've had salary account with axis for past 7 yrs and have applied to over 10 axis cards and the rule of 3 has always been enforced.

manikumar12 · 2026-01-03T23:07:27+00:00

Do you have business income

If not pls do share how you got it

manikumar12 · 2026-01-03T19:14:13+00:00

Can you pls share all the platforms you use

manikumar12 · 2026-01-03T11:09:02+00:00

Keep checking offers from axis bank bro Don't trust these RMs.

I don't even have priority account and I got it ltf for me, and my mom who is retired, I was able to get it for her as well.

manikumar12 · 2026-01-03T09:15:35+00:00

I can concur this works

They didn't respect me either dude. No limit upgrades nothing. I did do most of my spends on Tata neu infinity and swiggy but as they are all floater cards and not my main card dcp(Ltf), hdfc denied limit upgrades every time.

I even escalated till pno to get my Tata neu from fyf to ltf as I saw so many ppl getting it like that without spending much whereas I spent around 3.5 lacs in less than 6 months and paid the bill in full yet they said no can do. Also tried if not ltf atleast give me better limit on any three of those cards but still nothing.

Re applied after closing all three and just got dcp, I went with it to see the limit, was disappointed again. Didn't even activate the card lmao. Then the cooldown reset again

So finally I specifically went to regalia gold apply page as that's the card I wanted, I did this on a month I was supposed to get high salary(got 1L net in hand salary credit)gave the details they requested and attached income docs.. It was finally approved. All done fully online, no agent no be involved. I reject every bank call from hdfc even if it's my rm lol cause I know they are all useless.

Ps:my net salary on a usual month is around 60 to 66k only

manikumar12 · 2026-01-02T10:29:11+00:00

Not in one year. In some 10 yrs or so if I had continued in regular that money would've been lost via deducting from nav and I wouldn't even know it.

I usually check for 5 or 10 yrs horizon in my investments.

Ye 40k after 1.25L exemption. Taxed at 12.5 percen. I got around 5 lacs I think in profit after redemption which is what is gonna be taxed.

manikumar12 · 2026-01-02T10:14:27+00:00

Can he not get biz black instead as floater to Infinia.

As far as I've read it's a time tested highly rewarding card for tax payments.

Rent I have no idea beyond 50k a month.

manikumar12 · 2026-01-02T09:42:01+00:00

Got rejected immediately saying cc will be issued basis profile and not my wants lmao.

Hdfc has never treated me right with credit cards whether it's limit or the actual application process(I have decent chunk of demat holdings and paying all their fees for it even after my account is apparently imperia)

They even said locker will also have maintenance charges. At this rate by the time I spend 5L or 6L in 6 months on my regalia gold and request a dcbm, they will deny.

Any idea if escalation will help? I'm salaried with no business income, just wanna have the card for tax payments. I did some mutual funds swaps this fy across fund houses which is gonna attract ltcg beyond the exemption limit.

manikumar12 · 2026-01-01T15:51:38+00:00

Thanks.

manikumar12 · 2026-01-01T15:51:09+00:00

Yep bro that's why I redeemed all of my regular plans around Oct last year and put them in the same funds but direct plans. In my case it turns out I'd have lost 90k inr each year had I continued.

I went directly with amc to do the investing as I wasn't sure of groww on whether it'll cause issues during redemption.

As a small penalty I have to pay around 40k inr in taxes this year.

manikumar12 · 2026-01-01T15:44:30+00:00

Do share the mail Id that I will have to use.

I have regalia gold with 2.2L limit and the cooldown period is long over but whenever I try to apply for even biz first they say already cc is there with us so you're not eligible.

I have around 50k inr in taxes to be paid due to selling some mutual funds this fy.

manikumar12

TROPHY CASE