Self-employed with ITR of 28Lac : Need help to get premium credit card : Infinia /Biz black /EPM

[slow-traveller-007]

Hi everyone,
I have been self-employed for the past 1.5 years in software consulting, with an ITR of ₹28L, GST registration and CIBIL score is 800+.

Previously, I held the Axis Magnus card, but I closed it after 2 years once it was devalued. Currently, I hold the one card, Scapia card and the ICICI Sapphiro card-LTF .

I have my salary account with ICICI for the last 9 years, and despite monthly credits of over ₹4L (pre-tax), my RM is not supporting my request for an EPM, stating I’m not eligible.

I also tried reaching out to the ICICI contact via Twitter, but didn’t get any success for EPM.

Most of my spending is on flights, hotels, subscriptions, and advance tax since I travel solo quite often.

Does anyone have a contact or recommendation for applying to a premium credit card?

Thanks in advance for your help!

 

[ash_m]

Yes, you should go for BizBlack and Regalia Gold.

You can try moving up the ladder from RG, though it may take some time and a lot of back & forth with their grievance cell for upgradation.

 

[Credit_Cards]

Hi everyone,
I have been self-employed for the past 1.5 years in software consulting, with an ITR of ₹28L, GST registration and CIBIL score is 800+.

Previously, I held the Axis Magnus card, but I closed it after 2 years once it was devalued. Currently, I hold the one card, Scapia card and the ICICI Sapphiro card-LTF .

I have my salary account with ICICI for the last 9 years, and despite monthly credits of over ₹4L (pre-tax), my RM is not supporting my request for an EPM, stating I’m not eligible.

I also tried reaching out to the ICICI contact via Twitter, but didn’t get any success for EPM.

Most of my spending is on flights, hotels, subscriptions, and advance tax since I travel solo quite often.

Does anyone have a contact or recommendation for applying to a premium credit card?

Thanks in advance for your help!

Take ULIP, they will offer you every card out there

 

[slow-traveller-007]

Take ULIP, they will offer you every card out there

No ULIP 😅. I’ll give the Biz Black card a try first. If that doesn’t work out, I’ll go for the Regalia.

 

[NikTravelEnthusiast]

How to get Bizblack if I am holding Infinia?Is it possible? I am self emplyed professional.

 

[slow-traveller-007]

How to get Bizblack if I am holding Infinia?Is it possible? I am self emplyed professional.

I think it is possible as a floater card. I read a few posts regarding the same on this platform.

V

Post in thread 'Any one with HDFC Biz Black Metal Card?'

Oct 3, 2024

Team,

I'm salaried, but also have a rental income on which I pay gst (around 52K) and file returns and also pay advance tax(75k to 100k) every quarter for total income. Only 25% of my annual income is salaried while rest is rental income. I

I have HDFC Infinia, Tata Neu Rupay and Swiggy card (took in July 24). All share a combined limit of 15L.

Am interested in Biz Black card and tried to apply online initially and it showed a message that I recently applied for a card. Assuming it's Swiggy card, how long should I wait before trying again. Later approached my branch manager.

He...

• Venkata Ramesh C V

 

[Kabir_1112]

BizBlack is a good option. Later can try for DCB M as floater for upgrade to Infinia later.
HSBC very difficult for self employed and almost impossible.

 

[slow-traveller-007]

BizBlack is a good option. Later can try for DCB M as floater for upgrade to Infinia later.
HSBC very difficult for self employed and almost impossible.

Yes, I am checking for the BizBlack card only, as last year's ITR was 31L. Maybe I will qualify based on last year's ITR.
I will update here once I receive any update from HDFC. Meanwhile, thanks for the recommendations.

 

[Wealth is my birth right!]

Yes, I am checking for the BizBlack card only, as last year's ITR was 31L. Maybe I will qualify based on last year's ITR.
I will update here once I receive any update from HDFC. Meanwhile, thanks for the recommendations.

Floor limit of biz black 5l and with ur ITR above 30 u can

 

[sanarora]

Thanks for your reply!
Do you have any other recommendations based on my profile?

cant u arrange for payslips for the 4L..??

 

[INN]

How to get Bizblack if I am holding Infinia?Is it possible? I am self emplyed professional.

You will be able to get it, I did. Refer my post for details.

 

[slow-traveller-007]

cant u arrange for payslips for the 4L..??

No, I raised an invoice for the same, but I do not have payslips, and it is difficult for me to arrange them.

 

[BobbyN]

I noticed it is listed on their website, and I even tried applying through my Axis Bank account by filling in all the details. However, on the card selection page, the Atlas card does not appear as an option. 😭

That is what is happening. My axis guy has not replied since asking him to find out about atlas applications being stopped.

 

[Kabir_1112]

That is what is happening. My axis guy has not replied since asking him to find out about atlas applications being stopped.

Via email I did check 2 days back and the reply was that you can apply online and on TF there are people who did receive the approval for Atlas within this week. It might be a good idea to try.