I think there are 2 cards from SBI which are very good right now. 1. SBI Vistara Prime (No exclusion on spend except on EMI and Wallets, rent payments are accepted) 2. SBI Air India Signature CC. Comes at 5k charge. It can get you 3-5 Domestic flight tickets worth total 10k - 20k . Good deal at least for 1st year ! From ICICI I found 1 CC which could be considered but only for 1st year, it is ICICI MMT Signature CC. I have a lot of CCs from multiple banks and I've taken out flight benefits from reward points/milestone vouchers of worth 5-6 lakhs in last 3 years. The Cards which I used most in last 3 years are : 1.Axis Vistara Signature CC 2. HDFC Regalia CC 3. Axis Magnus CC (Used for 4 months and then closed it after devaluation, got 75k bonus points) 4. Axis Atlas CC By using the above 4 CC in last 3 years at different periods, I have taken out flight benefits worth 5-6 lakhs and there are others benefits too over and above the flight savings.
Infinia is not overrated brother. It’s a VISA card hence highest acceptance. I upgraded from DCB to Infinia and I am fully satisfied. DCB had many restrictions in points accrual as well.
Hi Niraj, I have a burgundy account with axis. Select is what they offer by default. Should i go for Magnus or Atlas? Monthly spends approx 3L . Regards.
1. SBI cash back for all online spends 2. Airtel Axis for Airtel, Utility, Tomato, Swiggy and Big Basket spends 3. SBI Vistara Prime for all offline spends 4. HDFC Marriott Bonvoy for free hotel night and ALL lounge accesses 5. ICICI Sapphire for BMS offer and Spa access and ICICI offers 6. IndusInd Rupay for Rupay spends 7. regalia pharmeasy spends
I have been using DCB metal card for 6 months now and haven't faced any acceptance issue. The only negative I would say is it does not provide reward points on renewal amount (Infinia does provide I believe). Anyway great video and thank you for speaking about the overrated cards!!!
That’s a big drawback of DCB metal that there are no renewal benefits. In that sense the Regalia Gold offers more value. But it again depends on spends and where it’s done.
@@priteshkhilnaniyou don't get points on renewal. But on spending 5 lakhs you get fee waiver. That's the biggest con of dcb or it's great card. Trying very hard to get infinia. It's cranky bank. They give to whom ever they feel like
Gold charge card is good but i feel MRCC is better. You can get points on insurance and fuel as well through MRCC using some legal tricks, which Amex won't take action on. Also with MRCC. I don't have to pay any joining fee or renewal fee since 1.5 lakh milestone is very easy to hit for mid range credit card users with a monthly spend on 20-30k
@@sreejithskartha8345 For insurance payment, I buy Amazon gift cards for 10k using reward multiplier. My insurance payment is 12.5k and 10k is the monthly limit for Amazon gift cards per one MRCC card. I get 2x MR points also (so 400 points for a 10k transaction) For fuel, I buy indian oil vouchers on Park+ app. You need to find an Indian Oil petrol pump that is willing to accept vouchers. Try to go to company owned IOCL stations and most of them will accept vouchers. Same way, you can get points for fastag recharge also
Hey Niraj, have been following your content for quite sometime now and you put some good content out there.. Regarding some overrated cards, there is 1 card which might not appear at first glace overrated but upon closer look the fees doesn't justify thr card.. Referring to the AmEx Gold card.. Even though one gets 1k bonus MRs every month on the milestones, and the 5x points on reward multiplier, the fees of 4.5k + GST doesn't justify the price one pays for this card IMO
You have mentioned in many videos that you use hdfc Infinia points only for domestic travel. Why not use hdfc infinia points for international travel through smart buy. Why is axis atlas a better choice for points redemption for international travel ?
Thank you, much appreciate... whenever you make another video please consider Tata Neu Infinity card for users using gapy, cred for their UPI payments and not Tata UPI and then provide your comments. Thank you once again.
I got an offer to convert my LFT Business Regalia credit card to visa Biz power credit card (joining is free but there is annual fee). Will this be beneficial for me to do or not?
Hi Niraj, currently I have dcb pvc one which is LTF. But because of its poor acceptance I want to have infinia. Can you share how to apply for infinia without giving up my current dcb. I don't want to upgrade because going forward if I don't feel the need of keeping infinia I can simply close it and keep using the ltf dcb.
Please suggest the best credit cards for me.I haven't used credit cards till now.Use scenarios are online shopping,movie tickets bookings,offline payments etc.Another main reason i want credit card is to increase cibil score.
I have a Diner's Club Previlige edition card and an Amex Gold charge card. Do you think I need to add few other cards in my portfolio or do I have to replace any of them? My average spends monthly on these cards together is around 70k
@@ferdinandroshana243 Most of my amex spends are from Gyftr platform and Gold charge card offers 5X rewards where as MRCC offers only 2X reward points. Moreover it gives me rewards on wide categories which includes fuel in Bharat petroleum too. So do I really have to downgrade to MRCC?
My annual spending is 16 lakhs. With the recent reduction of the Gyftr upper cap to 10k per month and other devaluations, I'm considering other credit cards to allocate 5-6 lakhs of my spending to earn better rewards.Any suggestions
Hi Neeraj..a couple of questions. Are the taj vouchers you receive for milestone spends valid for international bookings? (for eg Taj Samudra, Colombo). Can multiple vouchers be applied to a single reservation? Can vouchers from two different cards (Amex , Bizblack) be clubbed together?
My favourite cards are: Axis Atlas (even after devaluation) Amex MRCC And I committed the egregious blunder of swapping my Amex Platinum Travel card for Platinum Reserve card. It's like maintaining a white elephant
Are Atlas Air Miles comparable to Infinia points? From what I understand, aside from Accor, it's challenging to get a 1 Rs per point conversion rate for Atlas. In contrast, Infinia points have a minimum value of 1 Rs per point. Also, I confirmed that 1 EDGE mile is equivalent to 1 Rs on Travel Edge, and we earn 2 EDGE miles for every 100 Rs spent. We can convert EDGE miles to air miles at a 1:2 ratio, so 2 EDGE miles become 4 air miles when transferred to partner. The challenge is achieving a value of 1 Rs per air mile which I mentioned earlier. Please correct me if I'm wrong.
Plat Charge card @@@@ Hi Neeraj, i am unable to see that amex is giving 1.35 lacs amex pts offer on amex website… i have also checked with customer service and they refused for any such offers.. can you guide me how to apply for plat charge and get 1.35 lacs pts
@@dugarniraj okay, thought i have plat charge and gold.. i spend 4l on plat travel and 72k on gold.. maybe they will provide an upgrade option later part of the year… however i have received upgrade offer to get Reserve but that doesn’t attract me. Pls suggest if getting Reserve will be worth it with 10k reward pts sign off bonus
I think you dont know about SBI vistara prime, you will get flat 4 points for 200 spent and No restrictions unlike axis or hdfc or anyone. 4 points for 200rs spent and No exceptions and for every 1.5 lakhs spent we will get a premium economy tik
SBI Vistara prime considers insurance spends for RP and milestone, so I get 1 premium economy voucher But the downside is having to plan well in advance to use the reward seats, it gets booked on most of the days and vistara poor network in south India Bcuz of this headache, I’m closing this card :(
Card choices may vary from person to person, you can't say like Infinia is overrated. It's hyped because it offers the best and hard to get as well. It may be ovverated for you but not for us. I am about to save enough to get free iPhone 16 Pro Max or MacBook on my Infinia very soon.
He clearly mentioned at the start that the opinions are for general people. What's the percentage of Indian population who will be eligible for Infinia?
What are you talking sir. I earned more than 3 lakhs with diners club black. As of today infinia still you can earn 15k per month provided you travel. If you don't travel stay away from infinia and diners black. As you said bank is cranky in giving infinia. Many regalia users got LTF infinia from regalia which is a joke. Any ways will again try for infinia as now it is devalued.
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Apply for Amex Gold Charge Card -
americanexpress.com/en-in/referral/gold?ref=nIRAJDsWyR&XLINK=MYCP
I thought in an earlier video you said mrcc is better ? @dugarniraj
I think there are 2 cards from SBI which are very good right now.
1. SBI Vistara Prime (No exclusion on spend except on EMI and Wallets, rent payments are accepted)
2. SBI Air India Signature CC. Comes at 5k charge. It can get you 3-5 Domestic flight tickets worth total 10k - 20k . Good deal at least for 1st year !
From ICICI I found 1 CC which could be considered but only for 1st year, it is ICICI MMT Signature CC.
I have a lot of CCs from multiple banks and I've taken out flight benefits from reward points/milestone vouchers of worth 5-6 lakhs in last 3 years.
The Cards which I used most in last 3 years are :
1.Axis Vistara Signature CC
2. HDFC Regalia CC
3. Axis Magnus CC (Used for 4 months and then closed it after devaluation, got 75k bonus points)
4. Axis Atlas CC
By using the above 4 CC in last 3 years at different periods, I have taken out flight benefits worth 5-6 lakhs and there are others benefits too over and above the flight savings.
Can you list all usages of altas cards and how it is overall, it will be helpful in my research since I'm thinking of applying it.
Infinia is not overrated brother. It’s a VISA card hence highest acceptance. I upgraded from DCB to Infinia and I am fully satisfied. DCB had many restrictions in points accrual as well.
Avoid Axis cards. They keep changing goal posts and cheat customers
they are doing business too :)
Axis banks the worst nightmare 😂
All banks changing conditions on their credit cards
Lol all my friends where on cloud 9 with magnus saying 25% returns.. I was the only one didn't get 😂😂😂
Later all cancelled 😂
Hi Niraj,
I have a burgundy account with axis. Select is what they offer by default. Should i go for Magnus or Atlas?
Monthly spends approx 3L . Regards.
1. SBI cash back for all online spends
2. Airtel Axis for Airtel, Utility, Tomato, Swiggy and Big Basket spends
3. SBI Vistara Prime for all offline spends
4. HDFC Marriott Bonvoy for free hotel night and ALL lounge accesses
5. ICICI Sapphire for BMS offer and Spa access and ICICI offers
6. IndusInd Rupay for Rupay spends
7. regalia pharmeasy spends
Hey can u pls suggest best card for insurance spends?
I have been using DCB metal card for 6 months now and haven't faced any acceptance issue. The only negative I would say is it does not provide reward points on renewal amount (Infinia does provide I believe). Anyway great video and thank you for speaking about the overrated cards!!!
That’s a big drawback of DCB metal that there are no renewal benefits. In that sense the Regalia Gold offers more value. But it again depends on spends and where it’s done.
What about standard DCB renewal fees?
@@priteshkhilnaniyou don't get points on renewal. But on spending 5 lakhs you get fee waiver. That's the biggest con of dcb or it's great card. Trying very hard to get infinia. It's cranky bank. They give to whom ever they feel like
Hey, looking for a cc for paying rent. What would you suggest and also whats the best platform for paying rent?
Gold charge card is good but i feel MRCC is better.
You can get points on insurance and fuel as well through MRCC using some legal tricks, which Amex won't take action on.
Also with MRCC. I don't have to pay any joining fee or renewal fee since 1.5 lakh milestone is very easy to hit for mid range credit card users with a monthly spend on 20-30k
agreed but 5x on gold is much better for multiplier spends
Could you share how to get points on insurance and fuel on mrcc ?
@@sreejithskartha8345 For insurance payment, I buy Amazon gift cards for 10k using reward multiplier. My insurance payment is 12.5k and 10k is the monthly limit for Amazon gift cards per one MRCC card. I get 2x MR points also (so 400 points for a 10k transaction)
For fuel, I buy indian oil vouchers on Park+ app. You need to find an Indian Oil petrol pump that is willing to accept vouchers. Try to go to company owned IOCL stations and most of them will accept vouchers. Same way, you can get points for fastag recharge also
Hey Niraj, have been following your content for quite sometime now and you put some good content out there..
Regarding some overrated cards, there is 1 card which might not appear at first glace overrated but upon closer look the fees doesn't justify thr card..
Referring to the AmEx Gold card..
Even though one gets 1k bonus MRs every month on the milestones, and the 5x points on reward multiplier, the fees of 4.5k + GST doesn't justify the price one pays for this card IMO
SBI 5% Cashback is good for online spends, not sure how long they will continue to give 5%
Does 4L milestone include insurance or tax payment
You have mentioned in many videos that you use hdfc Infinia points only for domestic travel. Why not use hdfc infinia points for international travel through smart buy. Why is axis atlas a better choice for points redemption for international travel ?
You’re better off using miles. Cash prices are expensive
Thank you for your insights, considering change in terms and conditions from Tata Infinity Card which is best card for UPI payments.
have to see - stick to neu only IMO
Thank you, much appreciate... whenever you make another video please consider Tata Neu Infinity card for users using gapy, cred for their UPI payments and not Tata UPI and then provide your comments. Thank you once again.
Great video! Please give us a video on the best cards to have, if one had to have only one or at max two cards. Thanks.
I got an offer to convert my LFT Business Regalia credit card to visa Biz power credit card (joining is free but there is annual fee). Will this be beneficial for me to do or not?
Hi Niraj, currently I have dcb pvc one which is LTF. But because of its poor acceptance I want to have infinia. Can you share how to apply for infinia without giving up my current dcb. I don't want to upgrade because going forward if I don't feel the need of keeping infinia I can simply close it and keep using the ltf dcb.
Very informative video. Can you please make video on where to spend money using Axis atlas after the devaluation
atlas is for all regular spends where I dont get accelerated rewards
Please suggest the best credit cards for me.I haven't used credit cards till now.Use scenarios are online shopping,movie tickets bookings,offline payments etc.Another main reason i want credit card is to increase cibil score.
Watch the videos :)
@@dugarniraj i couldn't find the exact video which i was looking for
Apart from Amazon gift card there no other way to use for Amex card
I have a Diner's Club Previlige edition card and an Amex Gold charge card. Do you think I need to add few other cards in my portfolio or do I have to replace any of them? My average spends monthly on these cards together is around 70k
@@ferdinandroshana243 Most of my amex spends are from Gyftr platform and Gold charge card offers 5X rewards where as MRCC offers only 2X reward points. Moreover it gives me rewards on wide categories which includes fuel in Bharat petroleum too. So do I really have to downgrade to MRCC?
You are updating our knowledge about credit cards thank you
My annual spending is 16 lakhs. With the recent reduction of the Gyftr upper cap to 10k per month and other devaluations, I'm considering other credit cards to allocate 5-6 lakhs of my spending to earn better rewards.Any suggestions
I dont know what other cards you have - all my videos will help you design your strategy
Can you suggest some premium cards with less annual fee
Hi Neeraj..a couple of questions. Are the taj vouchers you receive for milestone spends valid for international bookings? (for eg Taj Samudra, Colombo). Can multiple vouchers be applied to a single reservation? Can vouchers from two different cards (Amex , Bizblack) be clubbed together?
1. India only. 2. yes. 3. yes
@@dugarniraj ..thanks
Which card is best now for insurance payments?
Any Amex card offers rewards?
Infinia and Amex plat travel
Thank you :))
Do we get base reward and also counted towards 4L milestone ?
@@dugarnirajif we pay the insurance from DCB then do we get RPs?
@@saktibiswal6445yes
My favourite cards are:
Axis Atlas (even after devaluation)
Amex MRCC
And I committed the egregious blunder of swapping my Amex Platinum Travel card for Platinum Reserve card. It's like maintaining a white elephant
Atlas FTW
Are Atlas Air Miles comparable to Infinia points? From what I understand, aside from Accor, it's challenging to get a 1 Rs per point conversion rate for Atlas. In contrast, Infinia points have a minimum value of 1 Rs per point.
Also, I confirmed that 1 EDGE mile is equivalent to 1 Rs on Travel Edge, and we earn 2 EDGE miles for every 100 Rs spent. We can convert EDGE miles to air miles at a 1:2 ratio, so 2 EDGE miles become 4 air miles when transferred to partner. The challenge is achieving a value of 1 Rs per air mile which I mentioned earlier. Please correct me if I'm wrong.
@@navinkumarr I usually transfer my Atlas edge miles to ITC green points. 1 Atlas edge mile is 2 green points which is 2 rupees.
Axis bank will be like oh, so you still liking the card , lets do one more devaluation :D
@@vivekamar99do u then further transfer these green points out or do u use them at Itc hotels itself
Only a fool may claim that the Infinia metal card is overrated
Ask those who are not able to get it
That doesnt make it overrated...90% people dont try also..
please make video on Hdfc regalia gold card... thank u...
No coherence your video, so confusing and quit watching the video
Thanks for watching 🙌
If I get BIZ BLACK, do I need infinia?
I feel AURUM from SBI is also overrated if you already have HDFC DCB Metal card.
Best rupay credit cards?
Atlas is a good card, till they screw up and you have to provide bills for your evening tea with family.
Please make a detailed video on DCB vs Infinia comparison
Plat Charge card @@@@ Hi Neeraj, i am unable to see that amex is giving 1.35 lacs amex pts offer on amex website… i have also checked with customer service and they refused for any such offers.. can you guide me how to apply for plat charge and get 1.35 lacs pts
bro you will get it as an upgrade offer - if. you have other cards from them
@@dugarniraj okay, thought i have plat charge and gold.. i spend 4l on plat travel and 72k on gold.. maybe they will provide an upgrade option later part of the year… however i have received upgrade offer to get Reserve but that doesn’t attract me. Pls suggest if getting Reserve will be worth it with 10k reward pts sign off bonus
Is Axis Atlas good if spends are LESS than 4 lac/year?
Nopes
How is Yes Bank Marquee Card?
What about Amex Plat Reserve card ?
I think you dont know about SBI vistara prime, you will get flat 4 points for 200 spent and No restrictions unlike axis or hdfc or anyone. 4 points for 200rs spent and No exceptions and for every 1.5 lakhs spent we will get a premium economy tik
What’s the value of those points?
@@dugarnirajone point equals to 1 Club Vistara point.
SBI Vistara prime considers insurance spends for RP and milestone, so I get 1 premium economy voucher
But the downside is having to plan well in advance to use the reward seats, it gets booked on most of the days and vistara poor network in south India
Bcuz of this headache, I’m closing this card :(
Folks I’m talking about the sbi elite card. Sorry for the confusion. Also id have mentioned Vistara obviously
What about Amex Platinum Reserve card?
not worth the fee
ICiCi sapphiro useless card in terms of value extraction ..
Card choices may vary from person to person, you can't say like Infinia is overrated. It's hyped because it offers the best and hard to get as well. It may be ovverated for you but not for us. I am about to save enough to get free iPhone 16 Pro Max or MacBook on my Infinia very soon.
then your choice of getting the iPhone or Mac with the points itself is wrong buddy
PS _ its my channel so obviously my opinion and not yours :)
@@dugarniraj So We will unsubscribe, keep your channel to yourself. Good luck.
@@dugarniraj Unsubscribe from CA Niraj Dugar? ---- YES
no worries :) all the best
@@dugarniraj No offense, but that's why you are stuck with only 8k subscriers!!!
Yes Bank marquee credit card is under rated
Axis Airtel
SBI Cashback
U just went reverse on all your previous videos on these cards
bhai samjho mere thoughts ko thik se
He clearly mentioned at the start that the opinions are for general people. What's the percentage of Indian population who will be eligible for Infinia?
Amex mrcc
Hdfc regalia gold
Indusind platinum
Can’t spend much for waivers on all but good enough for my needs
What are you talking sir. I earned more than 3 lakhs with diners club black. As of today infinia still you can earn 15k per month provided you travel.
If you don't travel stay away from infinia and diners black.
As you said bank is cranky in giving infinia. Many regalia users got LTF infinia from regalia which is a joke. Any ways will again try for infinia as now it is devalued.
Super congratulations
Amex Platinum Travel
Amex Gold
Axis Atlas
Hdfc Bizblack diners club- awesome to pay taxes
I have these 4
How to get Hdfc Bizblack diners club ? I am having DCB metal , is it possible to get it also ?
@@itsds. i didnt spend much on my HDFC Regalia card for a year. They bank offered me the BizBlack.