Noble Panda
TF Neo
Upgraded to FYF Regalia Gold last Diwali with 11L+ CL.
Have spends of 4L in Last quarter due to some emergency and fulfilled 5L Spends in 6 months criteria for DCB Metal.
Yearly spends are 5-6L on average with 1/3rd of it being Insurance, and rest would be ad hoc spends such as offline local stores, maybe travel, restaurants, etc.
Have plans for 3L spends in current quarter and may be able to stretch it to 4L if I try but not sure if ai can stretch it to 5L+ to ensure that I cross 9L spends in 6 months as per new Infinia eligibility criteria.
Given average yearly spends and current spending situation, would it be wise to try for Infinia in November directly, or would it be better to take safer choice of applying for DCB Metal now and going after Infinia Metal at a later stage. Please Advise.
Other Cards are HDFC TATA NEU INFINITY, AU IXIGO, AMEX MRCC, AMEX GOLD CHARGE, AMEX SMARTEARN, One Card, and Scapia with limits between 3-10 L. HDFC TATA NEU INFINITY, AMEX SMARTEARN & AMEX Gold Charge were renewed few months so will probably keep them for 6 months and then probably cancel the 1st 2.
Have spends of 4L in Last quarter due to some emergency and fulfilled 5L Spends in 6 months criteria for DCB Metal.
Yearly spends are 5-6L on average with 1/3rd of it being Insurance, and rest would be ad hoc spends such as offline local stores, maybe travel, restaurants, etc.
Have plans for 3L spends in current quarter and may be able to stretch it to 4L if I try but not sure if ai can stretch it to 5L+ to ensure that I cross 9L spends in 6 months as per new Infinia eligibility criteria.
Given average yearly spends and current spending situation, would it be wise to try for Infinia in November directly, or would it be better to take safer choice of applying for DCB Metal now and going after Infinia Metal at a later stage. Please Advise.
Other Cards are HDFC TATA NEU INFINITY, AU IXIGO, AMEX MRCC, AMEX GOLD CHARGE, AMEX SMARTEARN, One Card, and Scapia with limits between 3-10 L. HDFC TATA NEU INFINITY, AMEX SMARTEARN & AMEX Gold Charge were renewed few months so will probably keep them for 6 months and then probably cancel the 1st 2.
