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“Depends” on the person at the counter of Lounge. This year in August, I gave 1 IDFC and 1 ICICI bank CC to my parents to access railway lounge at New Delhi Railway Station. Nobody checked the name on the card or the name on the tickets and they were allowed to enter the lounge… no questions...

Yes, you can pay. Most people pay insurance premiums for their elderly parents. There won’t be any issue. Moreover, Health insurance premiums paid for parents are also allowed for the Section 80D tax deduction of up to Rs 25,000 per financial year

Probably … both won’t be active But still worth a try … keep both cards while visiting the Spa … use the old one first

They told me that I will have to close my Visa card after getting MC+Amex, to which I agreed. After getting the MC+Amex Cards, I received a call from them to raise a closure request. it’s totally up to you whether you want to close the old card or not. They can’t do it on their own. I did not...

I also have Visa variant of Sapphiro … so 1 DF card from Visa … and another DF from MC+Amex

Exactly … even I got confused what he meant by saying “Online Fuel Transaction” He promptly explained that “POS” transactions by physically swiping the card … are not eligible for 5x Fuel Reward Points and only Online transactions are eligible.

—IDFC Select: was not getting upgrade to Wealth (maybe apply again after 6-8 months) —AU Vetta: Never used that card except Railway Lounge —Axis IOCL: Used that card everytime at only 1 Petrol Pump, but sometimes I got RP … and sometimes I did not. Every time I had to raise a complain and...

All 3 variants are active … I use my Amex for Fuel Transactions, Visa for BMS BOGO offer and MC for just keeping it alive.

(Sorry if my reply is very very late 😓) Yes, they asked me to clear the outstanding before issuing new card because they were under the impression that I would close my old variant(Visa) after getting MC+Amex

Yes you can visit again immediately if you have another Dreamfolks card(but only that person can use the complimentary service whose name is printed on the card)

Just sharing my Complimentary Spa Visit experience using Dreamfolks card. Only Dreamfolks card and boarding pass was required, no PIN required, no card activation required. Visited the Ode Spa at Hyderabad Airport and availed the Head & Neck Message(other option was foot message) , the...

Do you have any idea how to upgrade Yes First preferred to Yes first Exclusive? Any minimum limit required?

Another thing I would like to add, if somebody has way too many cards. Consider this as a precautionary measure : just disable all domestic + international transactions of any card that you use very rarely. I learnt this the hard way. Back in 2017 someone cloned (yes cloned) my SBI credit card...

SBI Simplyclick - 2017 with a credit limit of 15k (I was in college back then... So never actually used it for almost a year) Converted this card to LTF this year (thanks to TF Community)

Typically, the process of converting an existing card to a Lifetime Free (LTF) variant is comparatively more challenging. Banks tend to offer the LTF option primarily to new customers, as their RM/BMs are incentivized to acquire new clientele. As such, existing customers seeking an LTF option...

Yes account is single, I was also surprised when sent another DF card. Will probably use lounge next month, let's see what happens

Visa was LTF, while changing variants I got their confirmation that MC+Amex will also be LTF

I got to now from TF Community that we can exchange Sapphiro Visa variant for MC+Amex variant. Mailed Customer care for variant change and my request was processed within 10 days. CC asked me place a cancellation request for my Visa variant as keeping all 3 variants Visa+MC+Amex is not...

My portfolio: HDFC DCB (LTF) HDFC Regalia First (LTF) HDFC Tata Neu Infinity (FYF) ICICI Amazon Pay (LTF) ICICI MMT Signature (One time fee) ICICI Sapphiro (LTF) Axis Flipkart (LTF) Axis Airtel (FYF) Axis Indian oil (Closed, because I had to mail them every month for reward points) Yes First...