Suggest a Credit Card 🙏🏻
Want to apply for a new credit card. Currently the ones that I have doesn’t have much benefits (barring Axis Vistara Co Branded Card which is also now closing 😔😔). Need below benefits:
- Lifetime Free is possible or waive off on certain spend amount
- Discounts across major Online platforms (Amazon, Flipkart, Zomato, Swiggy, BMS, MMT etc)
- Travel Benefits if possible
- Can pay Joining Fees if benefits are attractive
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Regalia by HDFC Or ICICI Amazon Pay
Regalia toh is closed na? Now it is Regalia Gold but comes with lot of charges.
Regalia Gold! First year is free. From second year, you can ask your RM to remove charges. After 2-3 negotiations, he/she can do that
Consider Amex MRCC
Isn’t Amex too expensive to maintain? Also, not accepted everywhere right? I’ve always heard Amex is very strong when travelling abroad!
Not at all If you use it wisely you can get a waiver on the annual fee and great points as well. Yes, not accepted everywhere
Consider the HDFC Millennia Credit Card. It offers:
- Lifetime free option with certain spends.
- Discounts on Amazon, Flipkart, Zomato, Swiggy, and more.
- Travel benefits like lounge access.
- Joining fee, but benefits justify it.
Thanks buddy. Let me explore that.
SBI Cashback card! 5% cashback on online transactions regardless of the merchant. It's not a LTF card though, you have to pay 999 joining and yearly is also the same but waived off if you spend more than 2L per year. There's no longue access but if you book trips on MMT or any online platforms you can get 5% cashback.
Thanks buddy