You should check the foreign currency rate displayed, go to google and find the equivalent INR rate. Now change currency to INR and then compare that with google converted earlier rate. Then you will find a good amount of difference.
Some websites may have equal rates or close to equal rates...
I am surprised no one responded to this!!
Whenever you select INR currency in foreign location, it will add up 4-5% markup on it and convert to INR value on PoS.
So your net expense on Atlas will be 1.77% + 4% = ~5.8% when selecting INR currency ... It is totally loss making proposition...
Yes possible. Any GST paid using Biz Black via HDFC payment gateway on GST portal should be eligible for rewards. If you don't have GST payments then pay advance tax, it will also work
If you really want to not risk it, ideal strategy is to have 3 add ons with different card numbers in the name relatives/parents/spouse and use 4 different gyftr accounts with diff mobile numbers. HDFC is providing add-ons with different card numbers now
Same card number being used on 4...
Atlas has a different quota for you also as currency is different (Edge miles vs Edge rewards).... So for one person it is 1.6L via M4B and 60K via Atlas = 2.2L
Getting M4B is expensive ... do the calculations.... will she spend at AEP in addition to your AEP during the year?
Axis Burgundy account is compulsory. It will either happen via 10L AQB in savings account for 3 months or 30L FD in one month
M4B applications go via RM only. There is no direct way to apply for it even for someone with salary credit in Axis bank. Only normal Magnus applications can happen...
RG charges 0.45% including GST and Axis charges 1.18% incl GST as rent payment fees. So total charges are around 1.63% and reward rate is 4.8% if paid using RG or rentpe
Axis one and Primus are available for Burgundy Private customers. It requires 5Cr TRV with the bank.
You can try Axis Magnus Burgundy. It can be availed with 10L SA balance or 30L FD TRV or >3L salary credit in Axis account
I have been to Sofite Krabi and Avista Hideaway Phuket.
Sofitel Krabi is good in the sense that you can use points for lot of service there, like Phuket airport pickup and drop can be included in the bill and redeemed against points (They use their own MG M9 luxury van). We could also do 4...
You are overthinking.
1. Only Jewellery is added as exclusion category compared to other cards, where as education is included as bonus. Rest like utilities, insurance, govt are common exclusion
2. I have been using card since 1.5 yrs and no issues til now... no invoice asking. Axis is...
Dubai is relatively hotter in October for day time outdoor touring.
Weather starts improving from Nov onwards till April - specifically for day time outdoor walking etc. In-doors is usually not a problem anytime of the year
October however is good season for waterparks there
Non direct investments continue to earn ~1% every year for the bank. (Non-direct commission + MF expense ratio) is deducted every year from MF and NAV is adjusted accordingly