Most important for middle class is categories which will never discussed… rent payments 2.5 lakhs per year, school education- 1-3 lakhs per annum, LIC premium of 50k,NPS- 50 k, Grocery 1 lakh per year, Utilities-50 k per year. Fuel approx 20 k per year for 2 wheelers. card should fullfil and provide good rewards or cashback or travel benefits. Suggest if anyone has any card it will help
@@dugarniraj i agree but typical middle class cant afford multiple credit cards with high fees. One card with high fees that is ok. Or multiple credit card about total 4-5 k annual fees that should be strategy. I am looking in that perspective. Video with annual fees and how to apply cards to make maximum benefits based on expenses I mentioned will help lot of people like me
Tanishq has high making charge but if you opt for Rivaah golden advantage jewellery scheme then you will get 50% (uptp 12%) discount on making charges if your monthly payment is less than 10k then making charges discount will be upto 10%. This way your making charges will reduce. If jewellery making charges is 30% then you have to pay only 18%. I agree local jeweller might charge around 12% only but they charges more in gold. For every month payment gold will be saved equivalent to that day price of gold. If you paid 14k and gold price of 22kt is 7k/g then 2g will be saved for you. After paying for 10month if you saved 20g then at 11th month pay making charges discount
I am paying 15k every month from my Amex MRCC card to Tanishq gold plan and 3 more transactions of around 1500 like groceries and car petrol. This way I achieve both milestone of MRCC otherwise it’s very difficult to reach both milestone most of the shop don’t accept Amex card.
Hello, does this happens to you every month, because recently I got mrcc card, when ever I tried to purchase any gift card from reward multiplier, It is showing we an error called “Something went wrong” and even the payment page is throughing error.
@@siddzj Atlas has crazy exclusions. I would use Amex Travel to complete its 4 lac mile stone. You already have Infinia which is incredible for your travel spends. Atlas is best when using directly on flights and hotels (not via aggregators like makemytrip)
Hi brother like your videos informative, please let me know if we can use Amex Platinum Travel Credit card for domestic flights or not... I am confused on that part... Appreciate your help
@@dugarniraj thank you so much for quick reply. what if we go for intermiles from gyftr or if you can suggest a good card for domestic flights. I am in salary of 14 lpa
Hai sir recently I upgraded to HDFC BIZ BLACK METAL CARD after seeing ur review also but iam bew to diners club gateway is it worth. Mostly diners not seen in payment gateway and service charge is also high not like visa and Mc I just blindly got to this card. Is it worth the use even tap and pay not available I need to carry the card. Is there any app for tap and pay. And really diners worth or shall I change it
Hi Niraj, I have a regalia gold card as my first cc. I got the amex platinum travel card this year. Not getting the infinia yet and can't close my regalia gold as it is my oldest card. Any suggestions for additional cards ? Open to get the atlas but don't want to keep 3 cards. DCB has acceptance issues so unsure of getting my regalia upgraded to it.
Please make a video on cards useful for rental payment and rent payment platforms. Also are amex cards accepted on Cheq, cred etc etc for rental payment
A small suggestion, please use a pictorial representation of your videos. A great video without graphics makes it boring and also less information can be retained as well.
I have regalia gold nd icici saphiro with annual spends of about 10L.. i m thinking to shift primarlly to altas, amex platinum travle & tata neu infinity. Is this right choices to go ahead?
SCB Ultimate - Maybe because of poor redemption options. (I have Ultimate and primarily use it for Insurance, Tax and Jewellery) Marquee - Don't know, seems like a good card.
Amazing content with the right flow. I'm trying to get Infinia from an year now with multiple contacts with my RM. Its not happening.. Although, i may not be eligible as i have 30-35 LPA. They were offering ULIPs which i was not interested in. My RM told to wait for some more months. Not sure what's gonna happen. Now, there are 2 questions which i wanted to ask 1) I've AMEX plat travel card . Should i opt for Axis Atlas? I do travel 2months once outside india. 2) I recently got HDFC Swiggy LTF card. I'm inclined towards buying tata neu infinity card. All i'm getting is FYF and not LTF. If i try applying via hdfc online portal, it gives me an error "we can't proceed as we recently issued an card". is it worth buying tata neu infinity card? Note: I've amazon icici pay, flipkart axis and SBI simply click cards. Thanks in advance
You can get it by applying through tata digital website, i was also facing the same issue. And we have exactly same cards I am also looking to get axis atlas, let me know what you decide
@aliasgartaksali7785 yeah brother. From tata digital app Or website, it is just fyf and not LTF. I was wondering if ltf comes when we apply via hdfc website.
@@Inkedpassports you can take the card then next year ask them to make it ltf based on your relationship with the bank if they deny threaten to cancel all cards and move your business to other bank
Hi Niraj, I am buying a car worth 16 lakhs for which I am paying 6 lakhs as down payment and rest all as loan. I have these cards : 1 Hdfc regalia gold 2 Amex gold charge card 3 hdfc tata neu plus card 4 icici amazon cc Can you tell me how to split the money in these cards so I can have the max benfits on points and all. Or shall i apply for another card ?
I am more than eligible for Infinity Card, but they only offer me Neu Plus. Any reason? I have a salary account with HDFC and just have the Swiggy HDFC card. Any cards for Education payment?
Most of the time i see standard charted ultimate credit card is missing in the video.... which give 3.3% reward on all spends including rent and its better than HSBC premier credit card.
![What Credit Cards You Should Have by INCOME? [Detailed Review]](http://i.ytimg.com/vi/RsQFUJGXeHQ/mqdefault.jpg)
Most important for middle class is categories which will never discussed… rent payments 2.5 lakhs per year, school education- 1-3 lakhs per annum, LIC premium of 50k,NPS- 50 k, Grocery 1 lakh per year, Utilities-50 k per year. Fuel approx 20 k per year for 2 wheelers. card should fullfil and provide good rewards or cashback or travel benefits. Suggest if anyone has any card it will help
Apart from rent I’ve covered everything
@@dugarniraj i agree but typical middle class cant afford multiple credit cards with high fees. One card with high fees that is ok. Or multiple credit card about total 4-5 k annual fees that should be strategy. I am looking in that perspective. Video with annual fees and how to apply cards to make maximum benefits based on expenses I mentioned will help lot of people like me
7:47 Tanishq has very high making charges. The 5% cashback is only on that component. Small details like these should be called out.
you are not aware about the complete offer. walk in to the store once and understand the monthly investment scheme where gold gets blocked
Tanishq has high making charge but if you opt for Rivaah golden advantage jewellery scheme then you will get 50% (uptp 12%) discount on making charges if your monthly payment is less than 10k then making charges discount will be upto 10%. This way your making charges will reduce. If jewellery making charges is 30% then you have to pay only 18%. I agree local jeweller might charge around 12% only but they charges more in gold. For every month payment gold will be saved equivalent to that day price of gold. If you paid 14k and gold price of 22kt is 7k/g then 2g will be saved for you. After paying for 10month if you saved 20g then at 11th month pay making charges discount
I am paying 15k every month from my Amex MRCC card to Tanishq gold plan and 3 more transactions of around 1500 like groceries and car petrol. This way I achieve both milestone of MRCC otherwise it’s very difficult to reach both milestone most of the shop don’t accept Amex card.
Excellent video and Excellent presentation 👏
Thank you
Amex not supporting Amazon voucher
Hello, does this happens to you every month, because recently I got mrcc card, when ever I tried to purchase any gift card from reward multiplier, It is showing we an error called “Something went wrong” and even the payment page is throughing error.
@@krishnap6244same for me
Same for me. Gyftr portal has so many issues with AMEX MRCC.
I got this a month ago
I just did it today
Sir I recently closed my Sbi credit card and got NOC also but in their sites and apps showing my credit limit in some lacs . Please advise
As long as you have noc, you’re fine
Very informative video.
Is there any card which you used for your investment payments? Like in groww or zerodha like portals?
You cannot use card for investments except nps
If it was possible, banks would either devalue all the credit cards or charge 10% interest on topping up Groww or Zerodha.
I have infinia. . Could you suggest should i pair it with atlas or amex travel. . Annual exp 15 to 16 L
Atlas and hit the 7.5L expense milestone.
Atlas
@@siddzj Atlas has crazy exclusions. I would use Amex Travel to complete its 4 lac mile stone. You already have Infinia which is incredible for your travel spends. Atlas is best when using directly on flights and hotels (not via aggregators like makemytrip)
Amex is not getting accepted in most of the places. They should improve a lot
@@niranjanreddyk3367 i have been using Amex since 2014 and have seen its acceptance improving. But it will never be as par as Visa/MC.
Hi link expired for amex plat travel card. Can you please provide the referral link again ?
Hi brother like your videos informative, please let me know if we can use Amex Platinum Travel Credit card for domestic flights or not... I am confused on that part... Appreciate your help
To redeem points for domestic? The redemption rate is low
@@dugarniraj thank you so much for quick reply. what if we go for intermiles from gyftr or if you can suggest a good card for domestic flights. I am in salary of 14 lpa
Hai sir recently I upgraded to HDFC BIZ BLACK METAL CARD after seeing ur review also but iam bew to diners club gateway is it worth. Mostly diners not seen in payment gateway and service charge is also high not like visa and Mc I just blindly got to this card. Is it worth the use even tap and pay not available I need to carry the card. Is there any app for tap and pay. And really diners worth or shall I change it
Buddy why did you get the card? This card is primarily for tax payments. It has “biz” in it.
Hi Niraj,
I have a regalia gold card as my first cc. I got the amex platinum travel card this year. Not getting the infinia yet and can't close my regalia gold as it is my oldest card. Any suggestions for additional cards ? Open to get the atlas but don't want to keep 3 cards. DCB has acceptance issues so unsure of getting my regalia upgraded to it.
Suggest a best Credit card for Central Government employees bcoz they used to buy groceries or some other stuff from URC canteens / NCC canteens
With annual expenses 4 Lac which is better infinia or Amex Platinum Travel Credit card
If we pay the installments for some gold plan in Tanishq. Do we get neu coins on the installments?
Yes. As you pay
Is it ok to take Axis Atlas with Rupay instead of visa or mastercard
I wouldn’t recommend
Can you share referral link for Amex plat card? The link in the description takes me to gold card.
Please make a video on cards useful for rental payment and rent payment platforms.
Also are amex cards accepted on Cheq, cred etc etc for rental payment
Ok
What is the best credit card for offline .. I already have one sbi simply click card for online 100k limit 😊
How much will you spend
@ it’s depends.. can you suggest one credit card for offline transactions.. my monthly income 30k cibil score 790+
A small suggestion, please use a pictorial representation of your videos.
A great video without graphics makes it boring and also less information can be retained as well.
Thank you
Sir there is only 1.5 percent cashback on jewellery purchase from tanishq .. I have also infinity card..
I am using Tanishq's Golden Harvest Scheme, its giving 5% on that
Bro it’s 5%
I have regalia gold nd icici saphiro with annual spends of about 10L.. i m thinking to shift primarlly to altas, amex platinum travle & tata neu infinity. Is this right choices to go ahead?
I am sure you ll reach one lakh subscription soon.
Thank you
Hi, can we have a video where each card is discussed by its eligibility? Like income, cibil score and employment status.
What are the excluded spend categories for earning reward points of AmEx Platinum Charge Card??
Hi Niraj
I'm just curious to know why are you not considering
SCB Ultimate & Yes Bank Marquee cards ??
SCB Ultimate - Maybe because of poor redemption options. (I have Ultimate and primarily use it for Insurance, Tax and Jewellery)
Marquee - Don't know, seems like a good card.
I pay vehicle taxes online as a part of my business amounting greater than 3lacs. Pls suggest card. Itr 16 lacs, i am not eligible for biz black.
Hey, your amex referral link mentioned in the description has expired
americanexpress.com/en-in/referral/membership-rewards?ref=vAIBHS5Igy&XL=MIMNS
americanexpress.com/en-in/referral/gold?ref=nISHABshAI&XLINK=MYCP
Hi Niraj
Thabks for informative vedio , Kindle suggest best card to use for IRCTC travel
Thanks
Sbi irctc
HDFC irctc best
Idfc first select. You’ll get LTF
Amazing content with the right flow.
I'm trying to get Infinia from an year now with multiple contacts with my RM. Its not happening.. Although, i may not be eligible as i have 30-35 LPA. They were offering ULIPs which i was not interested in. My RM told to wait for some more months. Not sure what's gonna happen.
Now, there are 2 questions which i wanted to ask
1) I've AMEX plat travel card . Should i opt for Axis Atlas? I do travel 2months once outside india.
2) I recently got HDFC Swiggy LTF card. I'm inclined towards buying tata neu infinity card. All i'm getting is FYF and not LTF. If i try applying via hdfc online portal, it gives me an error "we can't proceed as we recently issued an card". is it worth buying tata neu infinity card?
Note: I've amazon icici pay, flipkart axis and SBI simply click cards.
Thanks in advance
You can get it by applying through tata digital website, i was also facing the same issue. And we have exactly same cards
I am also looking to get axis atlas, let me know what you decide
@aliasgartaksali7785 yeah brother. From tata digital app Or website, it is just fyf and not LTF. I was wondering if ltf comes when we apply via hdfc website.
@@Inkedpassports you can take the card then next year ask them to make it ltf based on your relationship with the bank if they deny threaten to cancel all cards and move your business to other bank
What’s ur opinion on hdfc regalia gold
Diners black is better
Which card is best for nps?
I use milestone cards like Amex plat travel
How is IndusInd celesta card?
Hi Niraj,
I am buying a car worth 16 lakhs for which I am paying 6 lakhs as down payment and rest all as loan. I have these cards :
1 Hdfc regalia gold
2 Amex gold charge card
3 hdfc tata neu plus card
4 icici amazon cc
Can you tell me how to split the money in these cards so I can have the max benfits on points and all. Or shall i apply for another card ?
I’d use atlas here. You have to pay 1-2% extra to dealer as well. Do check MCC too
Your amex credit referral link expired
americanexpress.com/en-in/referral/membership-rewards?ref=vAIBHS5Igy&XL=MIMNS
I am more than eligible for Infinity Card, but they only offer me Neu Plus. Any reason? I have a salary account with HDFC and just have the Swiggy HDFC card.
Any cards for Education payment?
No idea
You can use Amex plat travel
🔥🔥🔥
clickbait video, bad presentation
Thanks
Typos with less than, greater than symbols 😕
thanks for pointing. will let the team know
Most of the time i see standard charted ultimate credit card is missing in the video.... which give 3.3% reward on all spends including rent and its better than HSBC premier credit card.
Ultimate has a lot of excluded stuff. Will make a video. Thanks
SC best card is smart card. it gives 2% on education fees
@@dugarnirajSC best card is smart card. it gives 2% on education fees