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  1. Subhankar

    Indusind pioneer credit card

    Yes, add on gets it as well
  2. Subhankar

    You cannot afford premium credit cards and you know it! 👎💳🔥

    Axis Reserve is not for all, that I mentioned. Reserve is a lucrative card at certain spending criteria and at certain categories. I took Magnus after I used Reserve for almost a year, just because Magnus didn't make sense even with the 25k worth of edge rewards for monthly spends. As in certain...
  3. Subhankar

    Get HDFC DCB via Alumni Offer

    It’s only for the listed institutions’ alumni. If you belong to one of them, just mail them by attaching proof of it, they’ll issue you one
  4. Subhankar

    Indusind pioneer credit card

    That's special approval
  5. Subhankar

    Unlimited Guest Entry At International Lounge

    Not an issue. Get Reserve. You have 12 complimentary guest access there. So 1+12 = 13 Ask someone to get Magnus, there's 8 complimentary guest access there. so 1+8= 9 So you've got 22 people including respective card holders' access Be a gentleman and add another person from the queue ;)
  6. Subhankar

    Suggestions on premium card to go for.

    The point you missed is your spends. Right now for most of the people Magnus alone give unmatched return. But if you're heavy spender, the best combo is Reserve and Magnus. Nothing is close it If you're hitting 1L in few month in terms of spending then get Magnus and stick with it. If you're...
  7. Subhankar

    Priority Pass Confusion

    1. For lounges at international departures, you'll be able to or have to use PP. For example in BLR, there's 080 domestic and there's 080 international lounge for departure, both are different. 2. PP has the largest network, followed of Loungekey. Nothing is better. They give almost similar...
  8. Subhankar

    Indusind pioneer credit card

    I've the card as LTF without any such things, I tweeted about it but took down as it was not something went in a good way to others. There are two factors that can get you LTF, a huge NRV + your RM's capability of getting approval or you need to know someone really capable enough. Though my...
  9. Subhankar

    Magnus card: Does it make sense to to spend more than 15 lakh/year on this card?

    It'd totally depend on how much you usually spend above 1L. If it's additional 1 more lakh or so, you need to get Axis Reserve. Post 1L you get the base 4.8% RP value but on Reserve it'd be 6% value. The card you mentioned and the need you mentioning will not be much helpful. 3L will be giving...
  10. Subhankar

    How to Apply SC Ultimate Card

    You can apply through branch. If you've a 5L+ limit on existing card, working at one of the listed companies, not more than 6 cibil enquiries in past 6 months, apply for it. Even online application will go through. For self-employed, talk to the BM, open 30L AMB Priority acc, ask BM to take...
  11. Subhankar

    Is HDFC Infinia or SC Ultimate the best card for usage in the UK?

    Because the return will be higher. World safari won’t reward you. Niyo global has limitations. I’ve written an article on it. Hope that helps
  12. Subhankar

    Is HDFC Infinia or SC Ultimate the best card for usage in the UK?

    The MR points conversion is better in UK than India. It'd be anytime better to use the native currency card than an Indian credit card
  13. Subhankar

    Is HDFC Infinia or SC Ultimate the best card for usage in the UK?

    Yes Sonic, you're right, It's 1.5%. That was a typo
  14. Subhankar

    SBI AURUM - My First Metal Credit Card Unboxing

    As you've got the card, the only option left is income docs. Nothing else
  15. Subhankar

    SBI AURUM - My First Metal Credit Card Unboxing

    The Luxe vouchers. Not related to Ajio. As far as I received it, it's like that. Not really a worthy option. Rest are decent. 18k tata cliq vouchers (considering 1L pm spend) can be redeemed at tata cliq luxury even on discounted items. Valuable to the people who are into it. Taj voucher is good...
  16. Subhankar

    SBI AURUM - My First Metal Credit Card Unboxing

    No need of. Aurum is a card which is good to have but not a must to have card.
  17. Subhankar

    Axis Reserve card requirements?

    DM me, I'll connect you to the right person
  18. Subhankar

    SBI AURUM - My First Metal Credit Card Unboxing

    Depends on your spending and other cards you're having. Movie benefits are great
  19. Subhankar

    Is HDFC Infinia or SC Ultimate the best card for usage in the UK?

    SC Ultimate charges 3.5% + GST which is 4.13% and give 1.5% return as cashback. For HDFC Global Value is effective till 1L monthly spends with 1000 cashback, and considering 15-20L spend, you'll not be having maximum gain. The best bet is AMEX if you're moving there. Before suggesting as the...
  20. Subhankar

    Axis Reserve card requirements?

    Yes it's fairly possible. With 3L c2c it can be done if you're already holding a good NRV with Axis. Or else now a days they're going with 5L of credit limit. Due to some restrictions faced by many users, you may not get Axis Reserve without an existing account at Axis.
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