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Which is the best Credit Card Would You Apply ?

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Generous
Rosh_0007
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Hello Guys,

If you a get a chance of getting any credit card for lifetime free than which card will choose to apply and why ?


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Post Emperor Post Emperor
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Hdfc milennia cc, Gives instant discount in sale's with 5% cashback. And gives cashback even on emi transaction.

Benevolent Benevolent
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Axis Ace for being an all-rounder.


Generous Generous
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Holding 13 CCs and most of them are beginner ones.

Haven't reached the milestone in life yet where I've high spends so that I can afford premium CCs but in my limited amount of aspiration for CCs, if given the chance, I would love to have the following CCs LTF :

HDFC Infinia - I've been eyeing this for long and was hoping to at least get DCB (LTF) but stuck at Regalia (LTF) till date. In 2020, it was the king of CCs and a rare CC being offered LTF around 2020-21. Has several benefits and even after devaluation, unlimited lounge access using Priority Pass is one in a million benefit it offers.

Axis Reserve - Axis has been doing good in the CC industry lately and this comes as a super premium CC, so, why not have a bite at this instead of Magnus. Although if Magnus is provided LTF, I would love to have that at least. Both Reserve and Magnus covers a lot of things in one place, like reward points can be converted into airmiles, so, no need to have airline carrier specific CCs, offers on dining platforms like Eazydiner, movie tickets etc eliminates the need to hold so many different cards.

Amex Membership Rewards - For the beauty of Amex and the support they offer, aspire to hold this CC for sure in near future.

Not included beginner level CCs as I already have several of them.

P.S. I hold the following CCs - HDFC Regalia (LTF), Tata Neu Infinity RuPay HDFC (LTF), IDFC First Wealth (LTF), Amazon Pay ICICI (LTF), Axis Flipkart (LTF), Citi Rewards, RBL Shoprite (LTF), IndusInd Legend (LTF), ICICI Platinum (LTF), SBI Cashback, Ola Money SBI (to be closed this month), OneCard (LTF), BoB RuPay Premier (LTF)

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Post Emperor Post Emperor
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Hdfc milennia cc, Gives instant discount in sale's with 5% cashback. And gives cashback even on emi transaction.

Helpful Helpful
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Is it free to apply and free for lifetime?

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Benevolent Benevolent
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SBI Cashback. But I already have. 

Cool Cool
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Yesa same

Got 15k cashback till now smile

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Post Emperor Post Emperor
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+1

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Generous Generous
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Amex MRCC, For the rewards they are providing right now.

Benevolent Benevolent
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Axis Ace for being an all-rounder.


Finance Mentor Finance Mentor
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Still valid after devaluation?
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Generous Generous
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Holding 13 CCs and most of them are beginner ones.

Haven't reached the milestone in life yet where I've high spends so that I can afford premium CCs but in my limited amount of aspiration for CCs, if given the chance, I would love to have the following CCs LTF :

HDFC Infinia - I've been eyeing this for long and was hoping to at least get DCB (LTF) but stuck at Regalia (LTF) till date. In 2020, it was the king of CCs and a rare CC being offered LTF around 2020-21. Has several benefits and even after devaluation, unlimited lounge access using Priority Pass is one in a million benefit it offers.

Axis Reserve - Axis has been doing good in the CC industry lately and this comes as a super premium CC, so, why not have a bite at this instead of Magnus. Although if Magnus is provided LTF, I would love to have that at least. Both Reserve and Magnus covers a lot of things in one place, like reward points can be converted into airmiles, so, no need to have airline carrier specific CCs, offers on dining platforms like Eazydiner, movie tickets etc eliminates the need to hold so many different cards.

Amex Membership Rewards - For the beauty of Amex and the support they offer, aspire to hold this CC for sure in near future.

Not included beginner level CCs as I already have several of them.

P.S. I hold the following CCs - HDFC Regalia (LTF), Tata Neu Infinity RuPay HDFC (LTF), IDFC First Wealth (LTF), Amazon Pay ICICI (LTF), Axis Flipkart (LTF), Citi Rewards, RBL Shoprite (LTF), IndusInd Legend (LTF), ICICI Platinum (LTF), SBI Cashback, Ola Money SBI (to be closed this month), OneCard (LTF), BoB RuPay Premier (LTF)

Super Stud Super Stud
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How did you got infinity LTF?

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Pro Entertainer Pro Entertainer
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meme image

images

Finance Mentor Finance Mentor
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Kya? Mera kutta sutta pee raha hai aajkal?
Generous Generous
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AU LIT

Finance Mentor Finance Mentor
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@sahil1033 Yes, I even spoke personally to a grievance officer (lady) and my HDFC relationship is about 10 yrs now, higher staff is really polite and caring (not that lower ones are bad, but difference and sometimes ignorance exists, as I don't concede to loan ofeers and shit)... expect good now that hdfc and bank is amalgamated... customer centric institution.

Post Emperor Post Emperor
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I want both HDFC INFINIA and HDFC Regalia Business
regalia business card gives full reward points for tax payments and utility bill payments

Post Emperor Post Emperor
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Does non business one will also give points on Tax Payment ?

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Helpful Helpful
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Axis vistara infinite lo

Critic Critic
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aap dila do XD

Deal Newbie Deal Newbie
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AU LIT, 10% reward points. 100 reward points is 20 rupees gift voucher ( majority are available)

Post Emperor Post Emperor
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This question comes back again and  again but we never had a clear answer..and after reading all the comments above .. confused again...but seems like HDFC leading the choices

Deal Newbie Deal Newbie
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I have HDFC Infinia, IDFC wealth, Citi Rewards,IndusInd legend and others. All LTF. I would definitely try Amex CC.

Deal Subedar Deal Subedar
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infinia as LTF??  can you tell about it how it gone done?
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Deal Cadet Deal Cadet
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Can someone suggest best credit card with Rupay UPI(Used for Daily UPI transaction) + LTF.

Any bank is fine. 

Comrade Comrade
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Tata neu infinity. Check the Tata neu app if it shows LTF to you.

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Comrade Comrade
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I am eyeing HDFC infinia. But it won't come LTF.

Mostly I use SBI cashback, diners black, Au xcite ultra, Axis Ace and bob Hpcl rupay.

I got diners black LTF.

I have 18 CCs.

List -

ICICI apay

ICICI hpcl

Bob Select

Bob Hpcl rupay

HDFC diners black

HDFC Tata neu infinity

Standard chartered smart

Standard chartered emt

Yes prosperity rewards plus

Axis Ace

Idfc select

One card

Kotak gold urbane

Indusind platinum

SBI cashback

SBI simply save

Au xcite ultra

HSBC platinum

Deal Newbie Deal Newbie
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How did you get Diners LTF?

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Freebie Finder Freebie Finder
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BoB Eterna and Amex MRCC

Deal Newbie Deal Newbie
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I have Kotak white signature card 2 % cashback on all spends no tnc good for anything which is devalued now.

Deal Cadet Deal Cadet
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How to get hdfc Millenia ltf?

Deal Newbie Deal Newbie
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I have also lots of credit cards but after using lots of cards I like only 2 CC. Firstly play card from rbl bank as I m movie lover ...just spent 5000 n got 2 free tickets from book my show. ..n lastly icici Amazon that is given flat 2% cash back so the rest are ok for me....

The PostMighty The PostMighty
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Au Lit

But you need to be consistent and organized with your spending to make full use of this card.

One of the best cards with no exclusions even wallet load counts for cashback.

Honestly surprised how this card is still seen as an entry-level ltf card.

Critic Critic
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Because it requires genuine spend based on very careful planning(probably the most complicated T&C among all credit cards) which not a lot of ppl want to or can afford to do.

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Deal Cadet Deal Cadet
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SBI Elite LTF would be good.

Deal Subedar Deal Subedar
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Already having regalia, would like to upgrade any Hdfc cc.

Deal Cadet Deal Cadet
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How do I get 5% cashback on Flipkart using hdfc millennia m

I've paid through my credit card but still I see no cashback reflecting even after a month of shopping

Am i missing any procedure while shopping?

Critic Critic
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https://www.hdfcbank.com/content/api/contentstr...
CashBack will be given in the form of CashPoints, which can be redeemed by the customer against the statement balance. The CashPoints will be posted as Reward Points only.
• The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1, and can be done via Net Banking login, Phone Banking, or physical redemption form.
• The minimum CashPoints balance required for redemption against the statement balance is 500 CashPoints.
The PostMighty The PostMighty
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HDFC Millennia Visa/Mastercard

Useful during sale

Instant discount plus 5% cb upto 1000 as bonus

HDFC Tata Neu Infinity Rupay

1.5 % cb for UPI marchant transaction along with 10% neu coins from Tata neu & yeh instant Bank discount during sale days

Finance Ninja Finance Ninja
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HDFC Millennia (LTF) and Axis Ace

Deal Cadet Deal Cadet
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How to get Millenia ltf. No prior relationship with hdfc

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Deal Cadet Deal Cadet
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Hello I am using a Hdfc Millennia Credit Card which is a Lifetime Free Credit Card with no Joining Fees..

Now I got an Email from the bank for an Upgrade Card to Diners Privilege Credit Card with No Joining Fees but Annual Fees 2500rs + Gst from next year or Spend 3Lacs in a year to waive off..

Is it worth upgrading the card???

Can it benefit Limit Increase in future???

What is your opinion??

Helpful Helpful
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Not worth. Millennia is good card.

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Deal Newbie Deal Newbie
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i am holding past 4 years good benefit card is 

1. Kotak White Card (yearly 27k gift voucher benefits)

2. SBI Elite Card (yearly 12500 cash back + 10k gift vouchers & monthly 2movie tickets free & many more benefits)

3. RBL Icon (Yearly 15k gift voucher benefits)

Critic Critic
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You are spending 12 lakh on kotak white card to get just 27k GVs?
Deal Newbie Deal Newbie
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You can apply for CANARA BANK RUPAY platinum card which work on UPI plate fare an also. Apply by emailing at [email protected] but you have a savings / salary accounts with them. For vehicle & housing loan also you can apply there

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