Help regarding Premium Credit Card

[Sahilmiya]

Hello Community

I hold following cards

ICICI AMAZON PAY - 3 LAKH LIMIT
SBI SIMPLY CLICK - 55K LIMIT
SBI CASHBACK - 35K LIMIT
HDFC BUSINESS MONEY BACK - 39K LIMIT
AU LIT CARD - 35K LIMIT
PNB PLATINUM - 50K LIMIT

I just want to get anyone premium credit card, seeking help which card can i able to get or have to wait for further limit increasement on my existing cards

My CIBIL is 780

Appreciate your help 😃

 

[rockking1994]

i am not sure if you can jump to premium cards looking at the limits you can try to ask for upgrade from HDFC money back to regalia or someting
if you want air travel you can either try to upgrade SBI simply click to sbi vistara or vistara prime
If you are in to airtel eco system you can try for axis airtel, axis ace for utility payments, axis vistara or vistara signature for travel all of them do come with lounge access should cover most of your needs

 

[starstruck]

Hello Community

I hold following cards

ICICI AMAZON PAY - 3 LAKH LIMIT
SBI SIMPLY CLICK - 55K LIMIT
SBI CASHBACK - 35K LIMIT
HDFC BUSINESS MONEY BACK - 39K LIMIT
AU LIT CARD - 35K LIMIT
PNB PLATINUM - 50K LIMIT

I just want to get anyone premium credit card, seeking help which card can i able to get or have to wait for further limit increasement on my existing cards

My CIBIL is 780

Appreciate your help 😃

If your net salary is greater than 6 LPA and you frequently travel a lot, you can choose Axis Vistara Infinite.

 

[Thomas Shelby]

Hello Community

I hold following cards

ICICI AMAZON PAY - 3 LAKH LIMIT
SBI SIMPLY CLICK - 55K LIMIT
SBI CASHBACK - 35K LIMIT
HDFC BUSINESS MONEY BACK - 39K LIMIT
AU LIT CARD - 35K LIMIT
PNB PLATINUM - 50K LIMIT

I just want to get anyone premium credit card, seeking help which card can i able to get or have to wait for further limit increasement on my existing cards

My CIBIL is 780

Appreciate your help 😃

Try to increase amazon pay card limit above 5 lakh and you can then try for Magnus credit card

 

[Subhankar]

Hello Community

I hold following cards

ICICI AMAZON PAY - 3 LAKH LIMIT
SBI SIMPLY CLICK - 55K LIMIT
SBI CASHBACK - 35K LIMIT
HDFC BUSINESS MONEY BACK - 39K LIMIT
AU LIT CARD - 35K LIMIT
PNB PLATINUM - 50K LIMIT

I just want to get anyone premium credit card, seeking help which card can i able to get or have to wait for further limit increasement on my existing cards

My CIBIL is 780

Appreciate your help 😃

The limit is less but the number of cards are high. Premium credit cards can be obtained in two ways:
1. Through your income docs where you need satisfy a significantly higher income criteria
2. Via card upgrade through credit limit.

The first one doesn't need any explanation but the 2nd one is about consistency and following basic rules. You've way too many cards, so I'd suggest not to get any more cards as of now. Use them, use the one which rewards you at max. Have patience, it's not a quick milestone to achieve. Eventually in few years down the line, you may get a very decent premium card.

 

[Card noob]

If your net salary is greater than 6 LPA and you frequently travel a lot, you can choose Axis Vistara Infinite.

How difficult is to get this? If I try to apply via axis then infinite appears only after 18L income. Verified personally on this, entered 18L even though I don't fall in that bracket.

 

[starstruck]

How difficult is to get this? If I try to apply via axis then infinite appears only after 18L income. Verified personally on this, entered 18L even though I don't fall in that bracket.

Are you talking about Magnus or Vistara Infinite? Magnus has 18L requirement and VI has 6L requirement.

 

[Card noob]

Are you talking about Magnus or Vistara Infinite? Magnus has 18L requirement and VI has 6L requirement.

That's why I told I've personally checked for vistara infinite for 18L. Do you know anybody holding VI with 6LPA?

 

[starstruck]

That's why I told I've personally checked for vistara infinite for 18L. Do you know anybody holding VI with 6LPA?

I am holding VI currently with a salary >6 and <18. You can directly apply on the banks website. Personally, I dont know somebody who is at exact 6 LPA and holds this card. The fees of 10k per annum maybe puts off people although it is well compensated by a business class voucher.

 

[dungeonMaster]

Are you talking about Magnus or Vistara Infinite? Magnus has 18L requirement and VI has 6L requirement.

You can try using c2c method. My salary >20L even then I was not eligible through salary basis because I take a lot of deductions.
I then went through c2c route for magnus using icici card. Kotak/icici are very generous in terms of limit enhancement.

 

[starstruck]

You can try using c2c method. My salary >20L even then I was not eligible through salary basis because I take a lot of deductions.
I then went through c2c route for magnus using icici card. Kotak/icici are very generous in terms of limit enhancement.

Actually I am waiting for my hike this month. I was off by 3k from the net 1.25 lpm target for Magnus. Will apply then.

 

[starstruck]

Actually I am waiting for my hike this month. I was off by 3k from the net 1.25 lpm target for Magnus. Will apply then.

Also they dont count ESOPs. So deductions and this made me ineligible 2 months back.

 

[Sahilmiya]

The limit is less but the number of cards are high. Premium credit cards can be obtained in two ways:
1. Through your income docs where you need satisfy a significantly higher income criteria
2. Via card upgrade through credit limit.

The first one doesn't need any explanation but the 2nd one is about consistency and following basic rules. You've way too many cards, so I'd suggest not to get any more cards as of now. Use them, use the one which rewards you at max. Have patience, it's not a quick milestone to achieve. Eventually in few years down the line, you may get a very decent premium card.

Sir I got the Upgrade offer on SBI CASHBACK card for the SBI PRIME

Is it worth ? Or i should ignore ? Please help

 

[4uziaul]

Sir I got the Upgrade offer on SBI CASHBACK card for the SBI PRIME

Is it worth ? Or i should ignore ? Please help

Cashback is a much better card compared to Prime because it doesn't have much to offer.

 

[bvc19296]

Sir I got the Upgrade offer on SBI CASHBACK card for the SBI PRIME

Is it worth ? Or i should ignore ? Please help

Prime card will be giving lounge benefits and other SBI card offers available on Ecom. But SBI Cashback card will work like 5% for online and 1% offline spends. Comparing both Cashback card will have edge due to statement credit unlike rewards on Prime card.

 

[Subhankar]

Sir I got the Upgrade offer on SBI CASHBACK card for the SBI PRIME

Is it worth ? Or i should ignore ? Please help

Cashback card has got devalued a lot, but if it does fir your usage, then only get it. The only worthy SBI card is Vistara Prime as of now, or else Aurum if you really want to spend that much and consecutive 1L on it

 

[Tejo]

Does anyone know c2c card limit to apply for SBI PRIME?

 

[ashishp]

Hello Community

I hold following cards

ICICI AMAZON PAY - 3 LAKH LIMIT
SBI SIMPLY CLICK - 55K LIMIT
SBI CASHBACK - 35K LIMIT
HDFC BUSINESS MONEY BACK - 39K LIMIT
AU LIT CARD - 35K LIMIT
PNB PLATINUM - 50K LIMIT

I just want to get anyone premium credit card, seeking help which card can i able to get or have to wait for further limit increasement on my existing cards

My CIBIL is 780

Appreciate your help 😃

I would suggest you to increase the credit limit of your Amazon pay card upto 4 Lakhs. Then contact @Alwàys_Bélîevé_Yøursélf🎯 . He will send an executive to apply for axis magnus credit card. Don't worry about 18Lac income criteria, executive will take care of it.

 

[4uziaul]

Does anyone know c2c card limit to apply for SBI PRIME?

I think 1.5L should be enough because I was being offered the same, but I didn't take it and instead opted for SimplyClick.