[ Info Req ] Super Premium cards which can be applied Card on Card Basis

216°
Deal Newbie
CCUSER

Hello Dimers,

I am looking for Few Super Premium Credit cards which can be applied card to card basis.
As of now my highest limit is around 6.5 L in HDFC Diners club black. I am currently staying in a Tier 2 city of Jharkhand.
I had selected few of them and need help in finding better then these variants.

  • IndusInd - Pinnacle
  • SC - Ultimate
  • RBL - Edition
  • SBI - Air India Signature
  • HSBC - ?
  • City - ?
  • Yes Bank - ?

Till now I haven’t selected any card from HSBC, City and Yes bank.
I didn’t mentioned remaining banks as I already have their card(s).

Cards which i already have :-

  • HDFC – Diners Black
  • Amex – Platinum Charge , MRCC
  • SBI – Simply Click, FBB
  • Axis – ACE, Flipkart, Myzone
  • BOB – Select
  • ICICI – Platinum, [ Amazon was blocked]

I am ok with higher joining / annual fee if card have good reward ratio in online domestic spends specially in utility segment and they used to provide decent limit. My usual spent are in few Lakhs each month.

It will be really appreciated if you guys can provide me some JUDAG to get these cards as officially SC, HSBC, City officially didn’t source card in my state.

23 Comments  |  
13 Dimers
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Deal Newbie Deal Newbie
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BCC

#CREDITCARDUSERS

Pro Shopping Friend Pro Shopping Friend
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Diners Black is best, which u already have.
Get Axis ACE, Axis FK, IndusInd Pinnacle
Amex also good but no C2C
No jugad possible for cards not sourcing to your city.

Analyst Analyst
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caks2006407 wrote:

Diners Black is best, which u already have.
Get Axis ACE, Axis FK, IndusInd Pinnacle
Amex also good but no C2C
No jugad possible for cards not sourcing to your city.

True.

+
Hsbc = cashback
Yes = Excusive; Else preferred. (Either one is not worth anymore from rwds perspective)
Citi = No great value for money by taking high end cards. Basic rwds/iocl/ss variants would suffice. Premier miles and Prestige are higher end (optional).

Few others:
Bob = Eterna (Else Select)
Indus = Iconia amex
Hdfc = Dcb. Else Infinia (if possible, in offer e.g. promo offer, limit offer like driven limit of 10L+)
Idfc = Wealth (esp. if offer based on relarionship/MAB in savings a/c)
Icici = Amazon Pay, Rubyx/Sapphirro (Esp. if LTF based on relationship/salary a/c)
Scb = Digismart (Niche)
Amex = MR. Else Plat Travel (if it suits your spends profile). Smartearn also an option now if managing spends difficult for u.
Sbi = Sclick. Else Ola/Prime.
Kotak = Royal Signature (Else kotak cards mostly not worth, esp. due to ultra low rwd pts rate)

Analyst Analyst
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dhinchakrohit wrote:

@CCUSER why was Amazon icici blocked?

Az icici cards started getting blocked for most ppl after a certain date whoever did txns higher than assigned limit in a stmt cycle or/and rwd pts >=10k!! Broadly that is the understanding.

Somebody heading the cc unit within az must have taken a strict policy decision to avoid misuse happening of the card. And got it implemented with discipline -and harshly!!

Deal Newbie Deal Newbie
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dhinchakrohit wrote:

@CCUSER why was Amazon icici blocked?

It has been blocked with the tag commercial use.

Critic Critic
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CCUSER wrote:

It has been blocked with the tag commercial use.

Then be warned that card companies nowadays are not taking lightly heavy spends on cards especially in utility bill payments category every month.

Deal Cadet Deal Cadet
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@CCUSER how did u get axis ACE?? is ur limit merged with other axis cc or does ur ace card has separate limit??

Deal Subedar Deal Subedar
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aniket1587 wrote:

@CCUSER how did u get axis ACE?? is ur limit merged with other axis cc or does ur ace card has separate limit??

I have axis neo , flipkart axis and ace . All 3 are sharing same limits of 50k. Got one from flipkart and other from gpay instant approval.

Deal Cadet Deal Cadet
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Keep 1 Super Premium Card
You can keep 2 if you get it LTF ..

The Cards I would Suggest

1. HDFC INFINIA (THE BOSS CARD)
2. AXIS ACE (No Need for Axis Flipkart, u can get Flipkart vouchers at 6-7% effective discount)
3. ICICI AMAZON
4. SBI Simply Click (Only for Online & Milestone is very rewarding)

Keep quality credit line …. dont hold more than 4-5 cards …

Deal Captain Deal Captain
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What’s the benefit with RBL – Edition card?

I have my salary account with RBL currently and if the card is any good I might try my luck to avail one.

Deal Subedar Deal Subedar
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CCUSER wrote:

BCC

#CREDITCARDUSERS

Doesn’t Amex platinum charge card has yearly fees of 60k and comes with no preset limits ? You can try upgrading DCB to Infinia for extended 10x benefits but other than that use the ones that yo already have instead of getting more

Deal Newbie Deal Newbie
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indiansoul wrote:

Doesn’t Amex platinum charge card has yearly fees of 60k and comes with no preset limits ? You can try upgrading DCB to Infinia for extended 10x benefits but other than that use the ones that yo already have instead of getting more

Yes, it have yearly fee of 60K.

Actually i had received upgrade to DCB from Regalia just in Jan so probably in next 6 months i wont get any upgrade in HDFC.

Actually i am looking for more as i need more spending power to keep the utilization ratio low.

Deal Cadet Deal Cadet
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Can we get SC Ultimate LTF??

Deal Cadet Deal Cadet
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Need Citi and HSBC referrals, PM

Deal Cadet Deal Cadet
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dhinchakrohit wrote:

Can we get SC Ultimate LTF??

Nope.. 5k + 900 GST as annual fees. Will get back 5k point as benifit.

Deal Cadet Deal Cadet
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mv3qu66Da wrote:

Nope.. 5k + 900 GST as annual fees. Will get back 5k point as benifit.

Benefit every year or just 1st year?
Also 1 point = ? ₹
Can be converted to cash ?

Deal Cadet Deal Cadet
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dhinchakrohit wrote:

Benefit every year or just 1st year?
Also 1 point = ? ₹
Can be converted to cash ?

Renewals only.
1 Point = 1 Rupee value if you redeem GV.
Nope.

Deal Cadet Deal Cadet
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mv3qu66Da wrote:

Renewals only.
1 Point = 1 Rupee value if you redeem GV.
Nope.

GV Amazon available?

Deal Cadet Deal Cadet
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job4ram wrote:

Need Citi and HSBC referrals, PM

HSBC has referral program??

Deal Cadet Deal Cadet
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dhinchakrohit wrote:

HSBC has referral program??

I don’t know, just asked to get mutual benefits if any…

Deal Cadet Deal Cadet
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dhinchakrohit wrote:

GV Amazon available?

No amazon or Flipkart now. Only good options are MakeMyTrip, Myntra, chroma and others.

Missing