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Correct! This has been the case for several years now, I noticed this first during 2019 while trying to book a flight ticket on smartbuy via my Regalia card and noted that the smartbuy portal is essentially a trap for people going for travel points. Ticket prices are marked up and then you have...

For these premium, non-LTF cards, it would take substantial amount of transactions to match it with the rewards and break even with the yearly cost+gst, luxury benefits like hotel stays, airport meet and greet are unnecessary and are not value for money. People often are compelled to spend more...

but would not be flight and hotels cheap on other portals compared to smartbuy ?

This is one valuable user feedback, but 7.5L for last 6 months maybe too much. Think they are only trying to generate more business out of you in exchange of Infinia lollypop. Banks do get away with such things as people at times do their best to chase this illusion of a higher variant credit...

I have pinned my hopes on you.

True, and looks like Regalia is the final LTF frontier as of June 2022. No more LTF in the credit card hierarchy after this one as of now. Also Regalia may not be worth the wait too @anirbanm its time you flaunt a premium credit card. ;)

Thanks for the clarity bro, I am fine with a Life time free card as of now, not in your league yet :)

Good to know that, is it LTF ? A spend based LTF also does not make sense as I hardly use my Regalia apart from airport lounge access.

Yes I did hoping for the best ! How did you spend 8+ lakhs in the calendar year ?

I have 15L limit on LTF Regalia but do not see a pre-approved offer for either DCB or Infinia, maybe it would take time, but I am pretty sure HDFC is going to give me a LTF DCB/Infinia in 2022, as I have no investments to please them. Also less inclined to be on DCB platform though.

Cool, no significant benefits in upgrading.

Even mine too.....

Are you asking for Infinia LTF ? Maybe thats why they are asking for salary slip Usually Infinia is chargeable so they should not have a problem in selling you a card with annual and joining charges.

I am still apprehensive if an automatic query can be done across banks to draw such sensitive information from one another, will have to try it someday with a small billing amount.

Is it capable enough to fetch the bill and auto pay that on a fixed date ? Like what auto debit does ?

I stand corrected, looks like ICICI allows you to pay for credit card bills of other banks via it's own platform, here is a screenshot from the mobile app for further reference. I have not tried it yet. Not an auto debit but a workaround.

I appreciate that piece of information, but SBI can be an exception.

Also may be for the fact that recovery from government employees with brute force may boomerang against them, as they well have a state machinery behind them. Abusing or harassing a goverment employee no matter what his designation is can tantamount to police/legal proceedings. While it's easy...

True RMs are actually not useful until you want to invest

Truth is stranger than fiction.