I'm 22, and my journey started this year 1st Card - Sep 2022 - Yes Bank First Preferred Card 2nd Card - Sep 2022 - SBI Cashback Card 3rd Card - Oct 2022 - HDFC Millenia - LTF 4th Card - Nov 2022 - One Card Metal - LTF Combined Limit - 5.0L Also, In the process I was rejected for - IndusInd Legend Card - IDFC Card (wanted Select/Wealth) - Amex MRCC - ICICI Amazon Pay - Axis Card Card in Wishlist (will take only if LTF): - AU Card (as it has offers on Flight Booking on 3rd party website and Swiggy) - Will try for Zenith LTF. - Amex MRCC - Good Reward Points - Won't be LTF, but its worth it and Fee Waiver is at 1.5L - Will try to get 1 Rupay Select Variant Card
Go for pnb rupay select. I just turned 18 and started hoarding on FD cards to build a history lol. Took onecard, idfc wow, pb step up, pnb rupay select(fd variant), kotak dreamdifferent. So far, the scores have generated, and are pretty satisfactory. 847 Experian, 746 cibil.
Glad to say that I had consolidated limits of my all credit card is more than 90 lacs. Maximum card are life time free cards. Four Credit card limit 15 lacs and above
Haha. Thanks. We also have bills to pay :P But we promote only those products that have organic integration with the channel and as a principle we don't do any paid partnerships with Banks.
My credit card journey starts in 2020 with HDFC infinia pre approved with 10 lacs limit and LTF on 5 lac spending within 90 days and in 2022 November i applied for Magnus card on card, now I have infinia with 12 lacs limit LTF and Magnus 10lacs, total 22lacs limit
U people are doing a commendable job. I follow your videos regularly. I completely trust your reviews. Thanks. Good job 👏 👍. Please continue the goos work
Instead of Cred, I use Debit Card to pay my credit card bills, paying around 4 Lacs bills from my debit card, I even generate a minor return like a economy class ticket although the cred is shitty. I am not interested to provide my whole inbox email access to cred just to read statement and detect the hidden charge. I can manually do that since I have only 6 cards on my portfolio.
Great information mam, recently started following the same pattern and using my HDFC Infinia Metal Credit Card, Axis Vistara Infinite Card, and IndusInd Club Vistara Explorer Card + SBI Club Vistara Card for travel benefits... 👍
What's the point of using Vistara card from all three banks? Instead get Axis Reserve or AMEX Gold. Atleast you can MR points for other airlines where you're limited to Vistara only.
@Anup Shetti there are many reasons. Actually, i have more than 20 credit cards, including HDFC Infinia Metal, Axis Magnus Card etc, and i can't reveal everything, but i manage my spending very carefully, i travel domestically only. On my route, only vistara is suitable for me. Multiple cards because my major spend is insurance (above 25 lac every year), and other cards provide no or very low rewards for insurance premiums. Multiple cards because after reaching certain milestones, they increase slab. For example: one business class ticket after spending 2.5 lac, 2nd at 5 lac, 3rd at 7.5 lac, but for 4th i have to spend almost double i.e. at 12 lac. So I simply shift my spending on another card and get 2 extra tickets instead of one. AMEX cards are not widely accepted by many merchants due to high MDR etc.
Great video, but instead of telling about personal portfolios, can you tell us how to create the optimized portfolios categories wise like a portfolio dedicated to online shopping or travel or offline transactions or fuel, E.g. which cards should one own to maximize benefits on online shopping (Amazon pay, flipkart axis, etc) or fuel (icici hpcl or bob energie, etc)
Hi I am your subscribe and daily viewer. Kindly suggest I have 3 credit cards as of now 1) Kotak Zen signature 2) SBI simply save 3) HDFC Money-back+ Are these cards perfect ? I will be waiting for your reply.
My first credit card was Indian Oil Citibank Card and that was issued to me in 2002. In fact, as a family we have been using credit cards since 1983, when my father got the Centralcard, issued by Central Bank of India.
@@YashPatel-ui8zxWell mostly on techno fino and card academy these days. I have myself learnt a lot from these two UA-cam channels. Not really a master but a student 😊
I have HDFC Regalia Card with 9lac limit from last 3 years......i want to upgrade it but bank is not taking interest.....how do i upgrade it???? Any suggestions from your side?????
I got an invite to upgrade to Infinia Metal from Regalia. My limit is 10L on Regalia for the past 3 years. I think the invite was triggered because I applied for a jumbo cash offer on regalia for 15L and paid it back over 1 year. The invite came shortly afterwards. I have not accepted the Infinia invite yet because there seems to be a 12,500 annual/renewal fee for it whereas my current Regalia is completely free.
Thanks for the video, my question is what if someone's goal is NOT TO ONLY Get Travel benefit, but the usual benefits like on shopping, utilities and all.. can you share someone's portfolio with such benefits.
@@akashgoel601Premium cards like DCB and HDFC Infinia. I think SBI cash back card will also give great returns. But if you can spend 20K a month with 4 transactions of at least 1.5K MRCC would be great. They have a special gold collection for MRCC and Amex gold cards for reward points redemption.
Ye sab card ke benefit you can sell Like business class ticket voucher for 10-11k & travel with economy class ticket Travel b ho gaya with earnings Hotels can be booked for others at 20% discount I am managing around 10 card like this & earning great money 🤑
Recently recieved magnus with 10lakh credit limit and i have infinia from 2020 with limit of 12 lakh and hdfc intermiles with limit 8 lakh and sbi simply clik with 1.75lakh so my total all credit card limit is 31.75 lakh 😮
What is the average monthly spends on all cards ? For HDFC infinia - renewal fee waiver requires 10 lakhs annual spends and Axis Magnus requires about 15 lakhs . That's approx more than 2 lakh monthly spends !!
@@CardAcademy its too good to be true. Avg Monthly spends 1,50,000, => Yearly spends 18,00,000 You mentioned 20% returns, which is 3,60,000. Would you care to breakdown the return value of 3.6 lakhs?
@@jessyk2579 With Magnus if you spend 1 lakh every month it translates to 3,60,000 points every year. If these are converted into say Qatar Airways Avios, you'll get 3 lakh points. We booked a return Business Class flight to Europe for two in March this year for 2,20,000 points. The return ticket price at that time for two people was around Rs. 4.5 lakh. Similarly in case of Infinia, the card is used where he gets good return like Instant Vouchers. 20% return is definitely possible if the spends and redemption are optimised.
Definitely loved this type of video This actually helps to understand how people use their credit cards efficiently and encourages me also Please keep on doing such videos If not your team members then u can make random case studies also.
my card is blocked by bank with a reason of suspicious activity. I have requested to unblock the card but my card is not yet unblocked after 2 week of it getting blocked. Is there any RBI rule for such case?
Hi my credit card journey is start in may2016 my first card hdfc money back with 50 k limit then upgrade regalia with 3.5 lakh and now i have infinia with 12 lakh credit limit and second credit card hdfc intermiles with 8 lakh limit But now i want axis magnus so how can i get ?
@@balrajbhullar7218 with 790 u will easily get...I have applied magnus on basis of regalia(8.2 limit) and got magnus with 9.6 limit .my cibil is only 755😊
@@sachin1254 i got it bro with 12 lakh limit but i facing some issu with login axis edge reward portal i cant able sign in so pls help me for this sachin bro?
A new experiences app has been developed by American Express. This is for their centurion, platinum and gold charge card members and platinum reserve credit card members.
Hello could you guys please do a video on IDFC cards as well? Very eager to know more about how IDFC wealth cards play up and stack up against magnus and Infinia. I know it won't be on par, but still. So could you guys please do a video on that?
IDFC Wealth card does not stack up against Magnus and Infinia. We would not compare IDFC Wealth with these two cards as it would be unfair. But we'll definitely do video on IDFC First cards soon.
Great work guys, although I am interested to be part of team card academy. Please advise if I can be included in discussion, evaluations and ranking or research.
Want to know how to redeem points. End to end. Which circumstances give best valie for money while redeeming points. Is the airmile value same throughout the year ?
@@CardAcademy okay. And I have 3 Magnus card(family) and by 2023 Dec I will have 11lacs edge points and I want to redeem it in travel but I am confused where to redeem it? In which airline or in hotel programs?
@@virendragohel9456 Awesome. This would totally depend where you want to go, how many people would be travelling and which class of tickets you want. We think it's a personal choice. In Domestic, Vistara has a good programme. In International, Qatar and Singapore have good programmes. In case of hotels, both Marriott and Club ITC are good. Avoid IHG.
@@CardAcademy thank you In Qatar and Singapore airlines tickets book through miles are kept on waiting? And please make a video on miles, how to use it and how different airline programs works like one world and how to confirm your ticket booking with miles Pls try to make it
@@irshadkamil9947 I have regalia. Got magnus on card to card basis. Only had to block 2.5 lakh rupees for 2 months for limit enhancement of regalia to 4 lakhs.
lol..In that case my total credit limit is over 1.5cr across 35 credit cards.😂 This is the truth, not just blabbering. Max limit personal ceiling per card is 10L, this is my choice, no need to keep more on a single card. I started my credit card journey in 2006 with ICICI Platinum and SBI card. I still have these cards.
![What Credit Cards You Should Have by INCOME? [Detailed Review]](http://i.ytimg.com/vi/RsQFUJGXeHQ/mqdefault.jpg)
![What Credit Cards You Should Have by INCOME? [Detailed Review]](/img/tr.png)
I'm 22, and my journey started this year
1st Card - Sep 2022 - Yes Bank First Preferred Card
2nd Card - Sep 2022 - SBI Cashback Card
3rd Card - Oct 2022 - HDFC Millenia - LTF
4th Card - Nov 2022 - One Card Metal - LTF
Combined Limit - 5.0L
Also, In the process I was rejected for
- IndusInd Legend Card
- IDFC Card (wanted Select/Wealth)
- Amex MRCC
- ICICI Amazon Pay
- Axis Card
Card in Wishlist (will take only if LTF):
- AU Card (as it has offers on Flight Booking on 3rd party website and Swiggy) - Will try for Zenith LTF.
- Amex MRCC - Good Reward Points - Won't be LTF, but its worth it and Fee Waiver is at 1.5L
- Will try to get 1 Rupay Select Variant Card
Go for pnb rupay select. I just turned 18 and started hoarding on FD cards to build a history lol. Took onecard, idfc wow, pb step up, pnb rupay select(fd variant), kotak dreamdifferent. So far, the scores have generated, and are pretty satisfactory. 847 Experian, 746 cibil.
Strange you got reject for Amazon Pay card.
@@AnupShetti+1 , exactly I didn't hear that apay ici card rejected of anyone...
How you applied for sbi cashback cc?
And how u got millennia LTF 🤔 salary account?
Glad to say that I had consolidated limits of my all credit card is more than 90 lacs.
Maximum card are life time free cards.
Four Credit card limit 15 lacs and above
which cards you are using i want to apply cc upto 1Lacs
WOW
Sir, may I ask what is your income range per year? I just want to get an idea of how much income is required to get such high consolidated limit.
Name of this channel should be changed from Card Academy to Cred Academy. Jokes Apart You people are doing really good job. Keep on flourishing.
Haha. Thanks. We also have bills to pay :P But we promote only those products that have organic integration with the channel and as a principle we don't do any paid partnerships with Banks.
Referral se achi earning hai cred par
@@RanaDivesh but there is hardly any person left who doesn't use cred app
@@kirandeshmukhdk I dont use cred😊
@@sachin1254 Ok but there are very very less number of people who don't use CRED
My credit card journey starts in 2020 with HDFC infinia pre approved with 10 lacs limit and LTF on 5 lac spending within 90 days and in 2022 November i applied for Magnus card on card, now I have infinia with 12 lacs limit LTF and Magnus 10lacs, total 22lacs limit
what is the requirement for infinia?
How did you get Infinia LTF?
yes first exclusive with 22 lakh limit😊
U people are doing a commendable job. I follow your videos regularly. I completely trust your reviews.
Thanks. Good job 👏 👍. Please continue the goos work
Instead of Cred, I use Debit Card to pay my credit card bills, paying around 4 Lacs bills from my debit card, I even generate a minor return like a economy class ticket although the cred is shitty. I am not interested to provide my whole inbox email access to cred just to read statement and detect the hidden charge. I can manually do that since I have only 6 cards on my portfolio.
Awesome new type/segment of video .. keep doing great work!
Great information mam, recently started following the same pattern and using my HDFC Infinia Metal Credit Card, Axis Vistara Infinite Card, and IndusInd Club Vistara Explorer Card + SBI Club Vistara Card for travel benefits... 👍
What's the point of using Vistara card from all three banks? Instead get Axis Reserve or AMEX Gold. Atleast you can MR points for other airlines where you're limited to Vistara only.
@Anup Shetti there are many reasons. Actually, i have more than 20 credit cards, including HDFC Infinia Metal, Axis Magnus Card etc, and i can't reveal everything, but i manage my spending very carefully, i travel domestically only. On my route, only vistara is suitable for me. Multiple cards because my major spend is insurance (above 25 lac every year), and other cards provide no or very low rewards for insurance premiums. Multiple cards because after reaching certain milestones, they increase slab. For example: one business class ticket after spending 2.5 lac, 2nd at 5 lac, 3rd at 7.5 lac, but for 4th i have to spend almost double i.e. at 12 lac. So I simply shift my spending on another card and get 2 extra tickets instead of one. AMEX cards are not widely accepted by many merchants due to high MDR etc.
Excellent work done, I am surprised you are so young but have great updated professional knowledge. Yes I too want similar videos of your team.
Thanks for the kind words. We'll surely make similar videos in the future.
@@CardAcademy It looks like my journey too, as I got my first credit card in February 2018.
Awesome
What is he buying every month for more than a lakh? Im struggling to make 20k spends on my credit card.
Great video, but instead of telling about personal portfolios, can you tell us how to create the optimized portfolios categories wise like a portfolio dedicated to online shopping or travel or offline transactions or fuel, E.g. which cards should one own to maximize benefits on online shopping (Amazon pay, flipkart axis, etc) or fuel (icici hpcl or bob energie, etc)
Hi I am your subscribe and daily viewer.
Kindly suggest I have 3 credit cards as of now 1) Kotak Zen signature 2) SBI simply save 3) HDFC Money-back+
Are these cards perfect ?
I will be waiting for your reply.
These cards are entry level card's. But u dnt wry banks will offer u to upgrade depend on your history
Wow..cards portfolio beautifully explained never thought of it that way.. great work card academy
My first credit card was Indian Oil Citibank Card and that was issued to me in 2002. In fact, as a family we have been using credit cards since 1983, when my father got the Centralcard, issued by Central Bank of India.
That's great to hear, Sir. We would love to cover your credit cards journey in one of our videos.
@@CardAcademy Thanks, it would be my pleasure. I have also done a lot of trial and error in cards. But for now Magnus would be my main card.
@@amitabhmaheshwari Can you please share your contact details by writing to us at joincardacademy@gmail.com and we'll get in touch sometime next week.
Amitabh sir is present in every credit card youtuber's comment section 😂 no double you would be a master of cards sir 🤌
@@YashPatel-ui8zxWell mostly on techno fino and card academy these days. I have myself learnt a lot from these two UA-cam channels. Not really a master but a student 😊
This is great. One suggestion is if you can take best strategy of cards for various spend buckets - upto 5 lk, 10lk and so on.
We'll try to create videos around this.
killer video mam ..actually i also realized power of credits card by selecting good cards and spend on them and make travel almost free
Which Credit card gives more points per Rs 100/- or Rs 150/-
Mostly premium cards like Magnus, Infinia, and Reserve.
Kya koi single card se yeh se benefit le sakti hain...pls batayen
I have HDFC Regalia Card with 9lac limit from last 3 years......i want to upgrade it but bank is not taking interest.....how do i upgrade it???? Any suggestions from your side?????
I got an invite to upgrade to Infinia Metal from Regalia. My limit is 10L on Regalia for the past 3 years. I think the invite was triggered because I applied for a jumbo cash offer on regalia for 15L and paid it back over 1 year. The invite came shortly afterwards. I have not accepted the Infinia invite yet because there seems to be a 12,500 annual/renewal fee for it whereas my current Regalia is completely free.
Thanks for the video, my question is what if someone's goal is NOT TO ONLY Get Travel benefit, but the usual benefits like on shopping, utilities and all.. can you share someone's portfolio with such benefits.
We may do a video around that too.
@@CardAcademy yes please, thanks
Amex MRCC and ICICI Amazon Pay are great cards for that. That is of course, if you are not able to lay your hands on premium cards.
@@amitabhmaheshwari ICICI i do have.. Amex sure will explore.. which other premium card are you referring to, can you suggest a few..thanks!
@@akashgoel601Premium cards like DCB and HDFC Infinia. I think SBI cash back card will also give great returns. But if you can spend 20K a month with 4 transactions of at least 1.5K MRCC would be great. They have a special gold collection for MRCC and Amex gold cards for reward points redemption.
Content quality is very Good.
Thank you so much :)
Ye sab card ke benefit you can sell
Like business class ticket voucher for 10-11k & travel with economy class ticket
Travel b ho gaya with earnings
Hotels can be booked for others at 20% discount
I am managing around 10 card like this & earning great money 🤑
Books kya dikhaoge. If you are a travel agent then ok. Otherwise it's all a mess
@@gk00301094 nothing like that
Maintain separate account jo earning hua wo report kar do that's all
Regarding HDFC Infinia, can add-on card users access the golf course program?
But how to track milestone benifits? Specially for cards like HDFC millenia
AU XCITE 6.3 Lakh
Kotak Zen 6 lakh
Regalia first 4.2 L
Amazon pay 4.2l
Onecard 4.2L
Axis FLIPKART 2.1
RBL 2.53L
Yes madam we want to know the credit card portfolios of all the members of your team.
We'll surely do that one by one.
where to apply for axis ace credit card. I have My zone card and no offer on Gpay and now card is not issued from Axis bank site
Most of the ace card sourcing is done through Gpay only. You can check Gpay from time to time.
I have a doubt at 3:47. Axis bank have stopped giving rewards and cashback on rent payment. Is he still getting any rewards for rent payments?
Very informative video. Thanks a lot. Hope u will make more videos like this.
We'll definitely do more such videos. Thanks :)
cool...which mic are you using?
Boya - www.amazon.in/gp/product/B076B8G5D8/ref=ppx_yo_dt_b_asin_title_o03_s00?ie=UTF8&psc=1
@@CardAcademy thanks
Recently recieved magnus with 10lakh credit limit and i have infinia from 2020 with limit of 12 lakh and hdfc intermiles with limit 8 lakh and sbi simply clik with 1.75lakh so my total all credit card limit is 31.75 lakh 😮
31 lakh ek mahine mein khrch krdiya toh kya hoga
How to use Cred app to know the useful active offers on all credit cards?
What is the average monthly spends on all cards ? For HDFC infinia - renewal fee waiver requires 10 lakhs annual spends and Axis Magnus requires about 15 lakhs . That's approx more than 2 lakh monthly spends !!
For the person in question, it is around 1.5 lakh per month.
@@CardAcademy its too good to be true.
Avg Monthly spends 1,50,000, => Yearly spends 18,00,000
You mentioned 20% returns, which is 3,60,000.
Would you care to breakdown the return value of 3.6 lakhs?
@@jessyk2579 With Magnus if you spend 1 lakh every month it translates to 3,60,000 points every year. If these are converted into say Qatar Airways Avios, you'll get 3 lakh points. We booked a return Business Class flight to Europe for two in March this year for 2,20,000 points. The return ticket price at that time for two people was around Rs. 4.5 lakh. Similarly in case of Infinia, the card is used where he gets good return like Instant Vouchers. 20% return is definitely possible if the spends and redemption are optimised.
@@CardAcademy wow. That's simply superb. Appreciate your reply
Aprateeeeeeeeeeemmmm information tai,namskar...
Definitely loved this type of video
This actually helps to understand how people use their credit cards efficiently and encourages me also
Please keep on doing such videos
If not your team members then u can make random case studies also.
Thanks for your kind words. Please share with your friends. We'll definitely do more such videos.
Madam, I want to get 10 lakhs limit credit card.. can you help me...
my card is blocked by bank with a reason of suspicious activity. I have requested to unblock the card but my card is not yet unblocked after 2 week of it getting blocked.
Is there any RBI rule for such case?
please share the card experiences of as many team members as possible
How to get Flipkart axis Lifetime free
Please make one video on best credit card for free movie tickets in which renewal fees is either low or otherwise can be waived off easily.
Hi my credit card journey is start in may2016 my first card hdfc money back with 50 k limit then upgrade regalia with 3.5 lakh and now i have infinia with 12 lakh credit limit and second credit card hdfc intermiles with 8 lakh limit But now i want axis magnus so how can i get ?
Apply card to card with Infinia.
@@CardAcademy how many chances to get magnus my cibil is 790
@@balrajbhullar7218 with 790 u will easily get...I have applied magnus on basis of regalia(8.2 limit) and got magnus with 9.6 limit .my cibil is only 755😊
@@sachin1254 i got it bro with 12 lakh limit but i facing some issu with login axis edge reward portal i cant able sign in so pls help me for this sachin bro?
@@CardAcademy ok i recived magnus c2c basis so please tell me my this card is unsecured or secured?
Wonderful video. We want to know about other videos too.
How much annual fees is this guy paying?
I want HDFC dinner black card how can I get it?
I’m already using business regalia with limit of 375000
Please help
check with ur RM
Wht is highest limit of HDFC Infinia card..?? Presently having 25lakhs can I get more limit
How much limit do you have currently?
@@avidwivedi8162 25lakhs Infinia
I have a friend doing his PhD from a top IIT, he has almost 5-7 credit cards and has a whopping credit limit of 20L/month😂😂
Chu h ky bhai... Per month se ky mtlb h Tera
A new experiences app has been developed by American Express. This is for their centurion, platinum and gold charge card members and platinum reserve credit card members.
What’s that app ? And benefits?
best video. please make more such
My first card AMEX platinum travel card.
Latest card AU Xcite Ultra.
Umm same cards same limits. Bs mai inke tarah full returns nahi le paa raha.
Hello could you guys please do a video on IDFC cards as well? Very eager to know more about how IDFC wealth cards play up and stack up against magnus and Infinia. I know it won't be on par, but still.
So could you guys please do a video on that?
IDFC Wealth card does not stack up against Magnus and Infinia. We would not compare IDFC Wealth with these two cards as it would be unfair. But we'll definitely do video on IDFC First cards soon.
Nice video.. Ek medium class person ko kesa portfolio banana chahiye?
Our next team member's video will focus around this.
Go for sbi cashback and sbi bpcl octane.
How did he get Infinia having an account in ICICI & not in HDFC ?
He has a savings account with HDFC Bank also and use their other financial products too.
Great work guys, although I am interested to be part of team card academy. Please advise if I can be included in discussion, evaluations and ranking or research.
Hey Hrishabh, you can write to us at joincardacademy@gmail.com
mam I have yes first exclusive with 22 lakh limit...If u dont beleive i will send u screenshot😊
UNION BANK ITR BASED 7 LACK LIMIT HDFC DENIERS 6.5 LAC LIMIT
GOOD JOB..@@ ,
I am also using card for travel..
Practical and useful.
Want to know how to redeem points. End to end. Which circumstances give best valie for money while redeeming points. Is the airmile value same throughout the year ?
Tumara card ka portfolio, spend pattern and journey share karo
Can we book taj hotel through Vistara CV POINTS?
No.
@@CardAcademy okay. And I have 3 Magnus card(family) and by 2023 Dec I will have 11lacs edge points and I want to redeem it in travel but I am confused where to redeem it? In which airline or in hotel programs?
@@virendragohel9456 Awesome. This would totally depend where you want to go, how many people would be travelling and which class of tickets you want. We think it's a personal choice. In Domestic, Vistara has a good programme. In International, Qatar and Singapore have good programmes. In case of hotels, both Marriott and Club ITC are good. Avoid IHG.
@@CardAcademy thank you
In Qatar and Singapore airlines tickets book through miles are kept on waiting?
And please make a video on miles, how to use it and how different airline programs works like one world and how to confirm your ticket booking with miles
Pls try to make it
@@virendragohel9456 No tickets are not kept in waiting. We'll try to make a video.
I m around 23years old I have 12 credit cards 💳 combined limit. 65 lakh
Lollzzzzzzzzz
Same Bank Ke 2 Credit Card Ki Limit Merge Ki Hui Hai
Any News On Limit Demerge Karne Ki ?
Which Bank ?
unka monthly salary kitna tha
Cred apps ko promote karne ke liye kinte milte hain ?
Andaza lgaoo
Great video please share similar optimum multiple cards usage hack to get maximum benefit.
Saste logo ke liye video bnaye
Please do a video on Axis Grabdeals to maximize Edge Points for Magnus card
Noted.
very interesting....more please....
we are common people. infinia magnus is ...well......i prefer not to speak😄😄😄😄 Entry level strategy please.
We'll try to do that for entry level cards too.
@@irshadkamil9947 I have regalia. Got magnus on card to card basis. Only had to block 2.5 lakh rupees for 2 months for limit enhancement of regalia to 4 lakhs.
yess
12 cards = 95 lakhs limit
Salary kya h apke boyfriend ki
My total credit limit is . 1 Crore above
How bro.?
Starting story is very much similar to mine. 🤣😂
Haha. Everyone is naive in the beginning.
Big fan ❤
Want all members' cards
We'll surely do that one by one.
I am more interested in you then credit card. That's the reason of I came here
Amex is worst
nyc
credit not a good thing.
Haha, no impulse spendings.
Hi @cardAcademy If I use Cred app can i get Cred point and in my HDFC bank can I get HDFC rewards paralelly?
You'll get CRED points on paying the credit card bill through CRED, whereas you'll get reward points on your HDFC card by shopping through that card.
My total credit limit is 40 lakhs 😂
Awesome
@@CardAcademy but AMEX card is getting declined always, my cibil is 760 and my annual package is 26L. Do you have any idea why it is getting declined
@@Raghu07107 Which city are you based out of?
Oh how many cards u have?
lol..In that case my total credit limit is over 1.5cr across 35 credit cards.😂 This is the truth, not just blabbering. Max limit personal ceiling per card is 10L, this is my choice, no need to keep more on a single card. I started my credit card journey in 2006 with ICICI Platinum and SBI card. I still have these cards.