yeh 25k card par itni ghatiya miles conversion derahe hai.. n international spends par no miles...
some low good points.. if it'son jcb then i think 1st jcb cc with 0 forex markup and 1st cc with airmiles on upi also .(indusind ko chod kar)
tatti card hai 💩
https://offers.smartbuy.hdfcbank.com/offer_details/international-forex-mark-up-waiver-offer/25947/Z2isl2o%3D
This will need some calculation if you already have GVP as to how to utilise this to the best returns.
OneCard for international spends without extra fees!
Enjoy 0% Forex Fee effective with rewards points.
1% Forex Fee- 1% Valueback = 0% Forex Fee
Pls check all T&C !!
...they use pos under different Merchant categories and in there countries no such nonsense exclusion of mcc codes or rent surcharge etc. But when we Indians go for forexspends if such surcharge or rewards are not given then no point at all because there is nothing like 0 forex eyewash to customer.
I too got my card today (Virtual) 3.5L limit
Main reason is 0% forex as I travel a lot. Also, what is the lounge access restriction on this? If I spend 10K I am immediately eligible for accessing the lounge or should I wait for the next month/quarter?
Also in does "In a month" mean statement...
It is only good for zero forex transaction and unlimited lounge access. Travel bookings are usually available at 15-20% through bank offers on third party websites. 4% on Scapia is useless.
BP is more rewarding for spends / month less than 1.5L - 6% reward rate vs 4.8% in M4B
BP is brilliant for forexspends. 6% reward rate and zero forex charges.
M4B is better for spends above 1.5L per month. So you will have to plan accordingly. For the months you expect spends to cross...
None of these cards gives you positive returns on forexspends and you have already reached gold tier. Unless you plan to reach plat tier by the card anniversary year, it is not wise to spend on Atlas.
Get AU Ixigo, LTF card, zero forex(no rewards).
...Axis Atlas for all your spending on flight/hotel bookings.
Get a zero forex card and you are good to go for the trip. (AU Ixigo, RBL World Safari, etc.)
Ask for Infinia through email, if it gets approved, you wouldn't even need the forex card.
Amex credit cards aren't lucrative for Forexspends.