HDFC Preferred | Axis Burgundy | ICICI | Which is the Best for getting Credit Card?

[Abhi21]

Hi to all TF community Members,
I am happy to join this community as it was and is helpful in creating a good/perfect credit card portfolio. I started following this community for past few months and I never knew that Techno YT channel has a community too.

My card portfolio
SBI Simply click (1 yr and 8 months old)
Waived free by spend milestone
SBI cashback (4 months old)
Both shared limit of 1.1L
Extracted returns 2.5% in SimplyCLICK

Axis Privilege ( 1 month old) limit - 1.4L
Paid one. Covered with welcome benefits
Upgraded from neo recently (9 months)
Already pre-approved offer for Atlas
Extracted returns 2%

Yes bank first prosperity card ( 4 months) (closed) limit - 35k
along with Virtual Rupay

Closed bec they said it's LTF but it's ain't so raised complaint then got 2k worth points. Redeemed and closed it.

HDFC Tata neu infinity FYF (7 months old)
Limit - 1.5L
Extracted returns 3.3% overall (2.5L spends till date)

RBL Shoprite (1 month old) FYF
Degraded from Cookies (4 months old)
Limit 45k
Degraded bec 5000 min spends required to wave off monthly fee.
Kept for offers

IDFC classic LTF (4 months old)
75k - limit
Kept for offers

INDUSIND eazydiner LTF
50K - Limit
Kept for offers.
(normal eazy diner not that signature one)

CIBIL - 771
Payments - Excellent
Utilization - Excellent
Mix portfolio - good (no secured loans yet)
Enquiry - 51 (Dont know how) - Fair

Enquiry isn't much of an issue in future I know though
I am running a business With ITR of 5-6 Lac. I have accs with SBI SB (15+ yrs) n Current (8yrs)

Recently opened HDFC current account (3 months back) for POS machine.

Now my query,
Which road is good
HDFC - infinia
AXIS - Magnus
ICICI - Emeralde

My HDFC is a new branch in my location. And the BM is new too shifted from Axis. He is a good guy and trying ways to help me in getting Regalia gold but he is communicating with Upper tier guys, imperia account RM from other branch and also with credit card team.
He said to open Savings account with preferred banking so that after 3-6 months I can get Regalia gold. I pushed him yesterday to cofirm else won't open the account. He is pushing them to confirm details so that we can move ahead.

When I have good BM, I am facing shitty experience with HDFC email escalation team. Past one month, I kept on escalatng for either conversion of Tata neu infinity to LTF or core one for regalia gold. Both rejected now asked for Millinea atleast.
I don't see any pre approved offers yet.
So close my Tata card or finish off 50k n use it for next year.. It won't be useful it I got hold to Regalia gold or atlas for sure.

ICICI Apay card keeps rejecting.. You know why. Self employed 😂

No idea abt banking stuff

Axis I have read in forums that it's way more shitter than HDFC.

So confused to either get atlas and move ahead with Axis road or start a new road with ICICI or HDFC with preferred banking. I can only reach by spend Milestone and others but not with ITR.
Let me know your feedback and I am here to help other members with the knowledge n experience I gained in these close to 2 years.

 

[Anupama_Jha]

Get HDFC INFINIA first. The most stable premium card in market.

 

[Abhi21]

Get HDFC INFINIA first. The most stable premium card in market.

Then I should go ahead with opening preferred banking tom along with cancellation of tata neu infinity credit bec of co - branded issue and Mr. Aniketkr.sharma suggested the same.

 

[Abhi21]

Ok then. I went to bank today. BM spoke to an experienced guy from credit card team. He said ask customer first to close Tata neu. Which implies HDFC won't provide core card easily untill you hold co branded card as your first one. He said open preferred acc n 3 months time I may start seeing Regalia gold card. Closed my card now. Preferred acc under process..

 

[Abhi21]

Guys need advice..
After all the hussle and tussle for a month, HDFC agreed to convert my tata neu infinity (1.5L limit) to Millennia (I asked for Regalia Gold though) FYF. So should I take it however I want Regalia gold.
Note : today I have opened preferred savings acc with them.
My question is should I accept it and then acc to spends wait for LE and once I hit 3L limit and with good amount of spend I upgrade to Regalia gold or should I deny the request and close Tata card and wait for pre-approved Regalia gold / push BM for Regalia gold?

 

[Anupama_Jha]

Guys need advice..
After all the hussle and tussle for a month, HDFC agreed to convert my tata neu infinity (1.5L limit) to Millennia (I asked for Regalia Gold though) FYF. So should I take it however I want Regalia gold.
Note : today I have opened preferred savings acc with them.
My question is should I accept it and then acc to spends wait for LE and once I hit 3L limit and with good amount of spend I upgrade to Regalia gold or should I deny the request and close Tata card and wait for pre-approved Regalia gold / push BM for Regalia gold?

No no, just take the Millenia ASAP

 

[Abhi21]

No no, just take the Millenia ASAP

So you mean to say Regalia gold offline me try karna is kinda tedious..
Take Upgrade path step by step. Right?
Thank you for your speedy response bro.

 

[aniketkr.sharma]

So you mean to say Regalia gold offline me try karna is kinda tedious..
Take Upgrade path step by step. Right?
Thank you for your speedy response bro.

As your limit isn't 3lakh, so they aren't offering you regalia gold.


Base limit should match to get the expected cards.

3 lakhs --> Regalia Gold
5 lakhs --> DCBM
8 lakhs --> Infinia


Due to Recent hike in criteria's this may also go upward.

For current as i feel when trying to get DCBM

12 lakhs --> Infinia
8 lakhs --> DCBM

 

[Anupama_Jha]

So you mean to say Regalia gold offline me try karna is kinda tedious..
Take Upgrade path step by step. Right?
Thank you for your speedy response bro.

Yupp. There's no sure shot way to get hdfc pre-approved offer or no guarantee you will get better card with higher limit. So it's best to accept what's offered

 

[Abhi21]

Going to take Millinnea as suggested and

Yupp. There's no sure shot way to get hdfc pre-approved offer or no guarantee you will get better card with higher limit. So it's best to accept what's offered

Given consent. 🙂

 

[Abhi21]

Got the millennia today. However it was visible in my cards section on 28th April.
Thank you for your valuable suggestions guys @Anupama_Jha @aniketkr.sharma

 

[Hihihi]

Imo, don't settle for RG. If you can spend north of 9 lacs in 6 months, try upgrading to infinia. If not then atleast go for DCBM if you cross 6 lacs in 6 months. The base limit criteria can be waived off with approvals. Also, try asking your BM to convert you to Imperia

 

[aniketkr.sharma]

Imo, don't settle for RG. If you can spend north of 9 lacs in 6 months, try upgrading to infinia. If not then atleast go for DCBM if you cross 6 lacs in 6 months. The base limit criteria can be waived off with approvals. Also, try asking your BM to convert you to Imperia

Bro, I think you are just expecting much more.

First his credit limit is only 1.5 lacs and he need to submit atleast 1.5 lacs/month salary for getting RG and let the limit increased to 3 lacs.

and when I was in this situation i was even fulfilling the salary criteria but my credit limit was just 2.1 lacs they simply kept declined stating internal reasons, after that I had to take state head approval then they offered RG with increased limit

 

[Hihihi]

Bro, I think you are just expecting much more.

First his credit limit is only 1.5 lacs and he need to submit atleast 1.5 lacs/month salary for getting RG and let the limit increased to 3 lacs.

and when I was in this situation i was even fulfilling the salary criteria but my credit limit was just 2.1 lacs they simply kept declined stating internal reasons, after that I had to take state head approval then they offered RG with increased limit

Well, till around 6 months back limit was not that much of an issue. Yes the criteria of base limit existed but securing approval for base limit was easy. I was having a discussion with a CC ops guy from HDFC and he said they upgraded Millennia to DCBM for a govt. employee with ~2lacs limit. Most imp criteria is spend in last 6 months.

Now, things are very different if you request for an updrage via email/cc v/s via RM/branch. In the former case they are not going to get any approvals for you. If you are not meeting the criteria they will straight away reject. Also, not very sure if things have changed very recently at HDFC.

 

[Abhi21]

Imo, don't settle for RG. If you can spend north of 9 lacs in 6 months, try upgrading to infinia. If not then atleast go for DCBM if you cross 6 lacs in 6 months. The base limit criteria can be waived off with approvals. Also, try asking your BM to convert you to Imperia

I am not going to settle with RG. I have chosen road to Infinia as suggested by @Anupama_Jha. I am pestering them for RG but it will take 3 months of time min with preferred acc and meanwhile I converted my neu to millinnea due to 1.5L limit only.
It will be long process with waiting game.
First focus will be on LE as I will not match ITR for upgrades.
Imperia acc requirement is 10L MAB which is quite high and even imperia acc doesn't guarantee you infinea unless you give them business like FDs, ulips and others.
Only inifini acc guarantees infinea card (2cr MAB /5cr TRV).

So first LE then DCB metal skipping RG as yesterday I spoke to BM that after 3 months I need LE and thereafter 3 months I need DCBM.
He agreed. Lets see. Mostly he will be asking for Fd and ulips. As of now he hasn't pinched me for that but ya RM does.

 

[Abhi21]

Bro, I think you are just expecting much more.

First his credit limit is only 1.5 lacs and he need to submit atleast 1.5 lacs/month salary for getting RG and let the limit increased to 3 lacs.

and when I was in this situation i was even fulfilling the salary criteria but my credit limit was just 2.1 lacs they simply kept declined stating internal reasons, after that I had to take state head approval then they offered RG with increased limit

I am going with BM as new branch and he quite listens to me though..

 

[Abhi21]

Well, till around 6 months back limit was not that much of an issue. Yes the criteria of base limit existed but securing approval for base limit was easy. I was having a discussion with a CC ops guy from HDFC and he said they upgraded Millennia to DCBM for a govt. employee with ~2lacs limit. Most imp criteria is spend in last 6 months.

Now, things are very different if you request for an updrage via email/cc v/s via RM/branch. In the former case they are not going to get any approvals for you. If you are not meeting the criteria they will straight away reject. Also, not very sure if things have changed very recently at HDFC.

HDFC apna Khud ka rules banata hai woh bhi acc to customer and acc to the mindset of the person whom you are communicating either BM/RM ho ya grievance team.
Aur unka algorithm bhi unpredictable kisko 3K LE milta hai kisiko 100-200% zyada

 

[aniketkr.sharma]

I am not going to settle with RG. I have chosen road to Infinia as suggested by @Anupama_Jha. I am pestering them for RG but it will take 3 months of time min with preferred acc and meanwhile I converted my neu to millinnea due to 1.5L limit only.
It will be long process with waiting game.
First focus will be on LE as I will not match ITR for upgrades.
Imperia acc requirement is 10L MAB which is quite high and even imperia acc doesn't guarantee you infinea unless you give them business like FDs, ulips and others.
Only inifini acc guarantees infinea card (2cr MAB /5cr TRV).

So first LE then DCB metal skipping RG as yesterday I spoke to BM that after 3 months I need LE and thereafter 3 months I need DCBM.
He agreed. Lets see. Mostly he will be asking for Fd and ulips. As of now he hasn't pinched me for that but ya RM does.

Bro, if he's suggesting you 3 months then you will not get anything for sure.

After every manual requests, there must be a gap of 6 months for upgrade or LE.

Auto Limit Enhancement is exempted only, you can get auto limit enhancement as many times the system Triggers it for you.

 

[Hihihi]

I am not going to settle with RG. I have chosen road to Infinia as suggested by @Anupama_Jha. I am pestering them for RG but it will take 3 months of time min with preferred acc and meanwhile I converted my neu to millinnea due to 1.5L limit only.
It will be long process with waiting game.
First focus will be on LE as I will not match ITR for upgrades.
Imperia acc requirement is 10L MAB which is quite high and even imperia acc doesn't guarantee you infinea unless you give them business like FDs, ulips and others.
Only inifini acc guarantees infinea card (2cr MAB /5cr TRV).

So first LE then DCB metal skipping RG as yesterday I spoke to BM that after 3 months I need LE and thereafter 3 months I need DCBM.
He agreed. Lets see. Mostly he will be asking for Fd and ulips. As of now he hasn't pinched me for that but ya RM does.

Great that you are aware of all criteria. Good luck in your journey 🙂

 

[Abhi21]

Bro, if he's suggesting you 3 months then you will not get anything for sure.

After every manual requests, there must be a gap of 6 months for upgrade or LE.

Auto Limit Enhancement is exempted only, you can get auto limit enhancement as many times the system Triggers it for you.

Oh... Let's see then what happens.
May be 6 months 😒