akgwaits
TF Neo
Hi, my family is outside India while I'm working here in India. I have a requirement of spending 20L+ in forex transactions, while domestic spend will be very minimal (10-15k max monthly). I do have a rent payment 23000/- every month however I'm not sure if I should put this on CC given almost all cards are now not providing any rewards on rent payment and charge 1% on top.
Originally, I was thinking of splitting the forex spend over 2 cards to avoid TCS (10L each), however, I get mix answers on TCS part on every other thread over internet.
I asked for Emeralde private & Infinia from respective banks, Emeralde private is almost approved. While HDFC guys are now showing tantrum for Infinia (my condition to open a salary account was Infinia card) & trying to offer DCB black metal. I'm slightly away from min. salary requirement for Infinia.
I also opened Axis burgundy account, in hope of getting back my 3L+ points from Magnus I held earlier (closed in Dec 2023) and if required and TCS is not applicable on CC, I can ignore 2 card strategy and can just get Magnus Burgundy. Right now, there is some issue, my old customer ID is inactive and for this new account they have assigned a new customer ID and I'm still not bale to log in to the app.
What are your suggestions on CC for my use case? My basic ask is maximising net return & rest of the frills are just bonus.
Originally, I was thinking of splitting the forex spend over 2 cards to avoid TCS (10L each), however, I get mix answers on TCS part on every other thread over internet.
I asked for Emeralde private & Infinia from respective banks, Emeralde private is almost approved. While HDFC guys are now showing tantrum for Infinia (my condition to open a salary account was Infinia card) & trying to offer DCB black metal. I'm slightly away from min. salary requirement for Infinia.
I also opened Axis burgundy account, in hope of getting back my 3L+ points from Magnus I held earlier (closed in Dec 2023) and if required and TCS is not applicable on CC, I can ignore 2 card strategy and can just get Magnus Burgundy. Right now, there is some issue, my old customer ID is inactive and for this new account they have assigned a new customer ID and I'm still not bale to log in to the app.
What are your suggestions on CC for my use case? My basic ask is maximising net return & rest of the frills are just bonus.
