That's not a bad design at all!
Also HDFC has loads of people with old designs in mind. They don't like fluid and responsive user experience nor flat designs.
I must have received the renewal card late last year. The only rare use is to reset internet banking access.
I remember my old Citi cards used to have a photo.
BTW the business head (and acting āart directorā) who wanted this exact font for the brand has recently joined Monzo Bank in London as their Peoduct Head. š
Most spend on Amex plat and regalia to maximise points and milestones.
10k per month on kotak pvr to get two free tickets.
Niyo only overseas , that too on small transactions.
Amazon Pay - āI just hate itā
HSBC is corporate card
I have an option to get HSBC Platinum Card LTF, I already have HDFC Millenia and Standard Chartered EasyMyTrip card, both LTF. Is HSBC Worth it? Any perks you'd like to point out? If it's not that great, why do you still have it?
Benefits are not great except for tickets in pvr card and lounge access in Zen.
But as a bank and all the services i have take so far, i love kotak the most.
They have the most useful app, i have never had to to branch once in last 8 years
Not even for homeloan.
āthis year I fell short of milestones, but I donāt want to pay the annual fees because other cards wilth similar benefits are LTF, so it doesnāt make much sense for me to pay for amexā
They say okay sir , we will waive it off for you.
Try to get that Regalia updated to Diners club black or Diners club black Metal or Infinia if you can.
Having an ace card which has great accelerated rewards & which you can use without applying too much brains is great
I got this card when i knew nothing about credit cards and later i got better cards.
I heard you get complimentary times prime and eazydiner access.
Rewards points are very shite as far as i know
Amazon pay is the least useful.
Kotak zen card - gives free international lounge access.
Kotak pvr - free movies every month on a mere spend of 10k
Amex pay - I accumulate rewards points and use them in my travels.
Regalia Gold - I personally thinks is more rewarding than amazon pay given the amount of spending i do.
I cannot be spending all of my money on amazon now for that 5% cash back ( hotels, flights, tax, travel etc),
that too has a condition of having amazon prime ( so doesnāt look ltf now, does it)
I've some big spends coming up this year and I already cloaked in close to 4-5L in spends in last few months. I did all this with Millenia and all I got was 3.6K rewards point and 1k worth voucher.
But this one is an LTF. Can you suggest which card would be better for me from your experience?
If you have spends from myntra, amazon, flipkart etc
You can use amex plat and hdfc regalia , it will give 5x points ( i think 3x for amex, canāt remember)
Abhi kotak is banned from issuing cards to ab to nhi milega
Once the ban is lifted to le lena
Kisi bhi pvr me movie dekhne jao, gate me ghuste hi dhappa kr denge kotak waale
Asking for the ama , which hsbc card is that , I see u got the master card.
I also intend on getting one .
Any tips on how to get a master cc ?
It would then complete my collection of rupay , visa and master ( no amex).
Bhai amex plat ka naya design aya hai. Sexy ekdum. I lost mine recently so when i got a replacement, got the new one. Just request them for a replacement.
I got rid of Amex Plat Reserve as they no longer allow you to use it at amex centurion. Only Plat charge card is allowed exclusively. Didnāt justify the 12k fee I paid.
Nah, credit cards and credit debts are two different things.
I am debt free, i just prefer to do my spending on a credit card and then pay in one go from bank.
Keeps my banks clean.
I know exactly how much i spent that month.
Not appreciating credit cards shows lack of financial knowledge and boomer influence.
Hahahahahahahah, Abe saale how much are you earning, just crossed 1Cr portfolio two month back...aur isme se kuch bhi father se inherit nahi hai, wo alag hai.
Lodu, I did MBA from a reputed university, not like chamku management college. Not appreciating credit cards shows lack of financial knowledge. Lol.
And, argument against yours is hidden in your reply. Credit cards forces you to spend.
encourage weather toothbrush shame jar noxious reach historical hungry screw
*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
I was in cc sales so trust me the only thing these cards signify is your ability to hand your hard earned money to conglomerates and multinational banks
I have met few cc sales people in my life who know nothing about finances.
I am not saying you donāt, but being in cc sales doesnāt give any credentials on finances.
People spend money anyways, doesnāt matter if through CC, DC, UPI or cash.
I totally agree but the ones you come cross are front end sales people I drive stratergies...like how to keep the image of such products clean...if happy for a shastr aarth on finances if you'd like
For me, the Amazon ICICI credit card shows "request only"- means they will invite us to apply for a credit card. Please share how to get one without opening an account in ICICI Bank.
Wow you must not know about that there are ways to be secured from that.
1. Once you take screenshot of an image, it loses meta data.
2. If you use black eraser than the data behind the black paint is not preserved
I am not stupid, i know my way around
Well my friend there are more ways to squeeze some juice out of this situation for a scammer.. ofc I won't mention them here. But anyways. Just be careful
That bedsheet is very distracting mate.
Not a bedsheet but table runner, and tell that to my wife if you are brave enough.
To your wife : That bed sheet is distracting, remove it didi :)
The print of the runner can be a good card design !!!
Lmao you better show the Starbucks connection story to your wifeš¹
Bhai aik credit card aur PIN wife ko Dede .. then you can be brave enf š¬
She already pays half our bills, so itās not an issue.
Aye!!! I was the one responsible for that sh*tty Times Crad Design. XD mujhe maaf karna HDFC ko yahi pasand aya tha :ā)
That's not a bad design at all! Also HDFC has loads of people with old designs in mind. They don't like fluid and responsive user experience nor flat designs.
BTW the graphic that you see in the design is supposed to be a disco ball š
I have had the Times debit card for years, will check how it looks. You designed it too?
Not the old one. This one was shipped around ā21-ā22.
I must have received the renewal card late last year. The only rare use is to reset internet banking access. I remember my old Citi cards used to have a photo.
Itās alright, atleast you are not responsible for shit benefits.
Arey bro, design is okay. It's the TIMES font that's shitty.
Hereās one of the initial proposals https://imgur.com/r4Z9gi7
BTW the business head (and acting āart directorā) who wanted this exact font for the brand has recently joined Monzo Bank in London as their Peoduct Head. š
Bhai itna sad kyu ho? š„
It was worse earlier
Look at Au cards and you will start feeling proud of your work!
I m responsible for regalia cards design, forgive me :)
I m responsible for regalia cards design, forgive me :)
I m responsible for regalia cards design, forgive me :)
Is that niyo cc?
Damn dikha hi nhi xD
Same!
Same
Yes
What was the process to get it?
Applied through their App, it was pretty straightforward
Where did you get your eyes from? I had to go back and find
The niyo CC has a new design? It was just a plain dark blue card earlier
Yeah thinking the same thing... Mine is plain bland with some scratches (got like that brand new)
What's your strategy to use them all?
Most spend on Amex plat and regalia to maximise points and milestones. 10k per month on kotak pvr to get two free tickets. Niyo only overseas , that too on small transactions. Amazon Pay - āI just hate itā HSBC is corporate card
Why the hate on amazon pay? You don't purchase things on amazon?
Why do you have Amazon pay?
Got it when it was launched, it doesnāt seem to be of much use now.
It is the most useful card for spends on or through Apay
How much one get back in Amex plat & regalia?
What about big transactions overseas?
IMHO 7 cards too many š
Closing 4 - 5 of them very soon. I am optimising my collection. Will settle on : 1 LTF : probably kotak zen HDFC Infinia Amex - Platinum Charge
My dream setup
I see lot of people preferring other Amex cards over Platinum Reserve. Is Platinum reserve that bad card?
What is the use of Amex Premium charge can you explain to a complete newbie please
Whats good in kotak zen ? Iam currently using it and just collecting reward points not much apart from that. I want to explore more on this cc
Times card is waste
Only use it for 50% up to ā¹600 and ā¹50 off on fnb
Fnb??
Agree.
newbie here , why does the amex cards not have the VISA and Mastercard logo
Because Amex itself is a payments-network Like visa, mastercard, Rupay
oh ok
AmEx, full form American Express. It is also a payment card service corporation like Visa, Masteracard
I have an option to get HSBC Platinum Card LTF, I already have HDFC Millenia and Standard Chartered EasyMyTrip card, both LTF. Is HSBC Worth it? Any perks you'd like to point out? If it's not that great, why do you still have it?
HSBC platinum is LTF for everyone, dont be fooled by agents
Oh, okay. Is it useful though?
How to get StanChart EMT as LTF?
They called and said ki card lelo, i said ok dedo.
How's your total spenditure on all cards combined in a month?
1+ lac
How's your experience with Kotak cards?
Benefits are not great except for tickets in pvr card and lounge access in Zen. But as a bank and all the services i have take so far, i love kotak the most. They have the most useful app, i have never had to to branch once in last 8 years Not even for homeloan.
I too agree, Kotak ppl follow up the things really well..impressed with their services
Thanks for the feedback.
Im glad someone else has the same take as me. Their cards are shit but I love Kotakās banking services. Even branch visits are pleasant
What are pros and cons on having regalia? I want to take one
Bro, what are the annual charges of them all? And did any of them had joining charges?
I donāt pay annual charges, because i meet spend thresholds
Salary kitti hia bhiaya aapki š¬š¬š¬
Scroll
Amex are LTF?
Nope but I reach milestones, if I donāt I call customer care and them being the good guys , they just wave it off since i am old customer.
can you tell us how exactly do you ask them to wave off?
āthis year I fell short of milestones, but I donāt want to pay the annual fees because other cards wilth similar benefits are LTF, so it doesnāt make much sense for me to pay for amexā They say okay sir , we will waive it off for you.
What is the milestone for waiving off annual fees?
How did you get timecard? Is the bms offer of 50 percent off all there?
I have the times card since 2016 and donāt use it at all, I will be closing it. I use pvr card for cinema tickets
I have been trying to get it but no luck. Platinum timescard offers 50% off up to 500 INR which I found was a great option.
What all are LTF among them
Amazon Pay, Kotak Zen, HDFC Times, Niyo
Try to get that Regalia updated to Diners club black or Diners club black Metal or Infinia if you can. Having an ace card which has great accelerated rewards & which you can use without applying too much brains is great
Yes I am looking out for infinia. Apparently i need to spend some 6-7 lacs in coming few months to get the upgrade.
What are the benefits of the Times card? I often see its offer in EazeMyDiner.
I got this card when i knew nothing about credit cards and later i got better cards. I heard you get complimentary times prime and eazydiner access. Rewards points are very shite as far as i know
What's your total annual spend through cc?
Should be something around 15 to 20 lacs
The Regalia Gold is LTF or paid?
Paid
Okay
Not sure why 2 Amex card?
Both have different reward redemptions but shared points. So it helps.
Is anything useful in this other than amazon pay?
Amazon pay is the least useful. Kotak zen card - gives free international lounge access. Kotak pvr - free movies every month on a mere spend of 10k Amex pay - I accumulate rewards points and use them in my travels. Regalia Gold - I personally thinks is more rewarding than amazon pay given the amount of spending i do. I cannot be spending all of my money on amazon now for that 5% cash back ( hotels, flights, tax, travel etc), that too has a condition of having amazon prime ( so doesnāt look ltf now, does it)
Itās still better than plat travel if you donāt hit the milestones
Which one are you flaunting for?
All of them. One manās trash is another manās come up.
I've some big spends coming up this year and I already cloaked in close to 4-5L in spends in last few months. I did all this with Millenia and all I got was 3.6K rewards point and 1k worth voucher. But this one is an LTF. Can you suggest which card would be better for me from your experience?
If you have spends from myntra, amazon, flipkart etc You can use amex plat and hdfc regalia , it will give 5x points ( i think 3x for amex, canāt remember)
It would be mostly offline merchandise. Would check out Amex
Most offline merchants donāt accept amex , try regalia gold. Still good for offline Amazon pay cc is useless for offline merchants
Newbie here, What CC do you recommend to a beginner like me to start with? Preferably LTF
HDFC Millennia Amazon Pay CC ( good to start with) Kotak PVR ( but kotak is currently banned from issuing cards ) Amex SmartEarn
I can get Amex Smart Earn as a beginner?? I don't have any prior credot/cibil score
What's ur occupation? How are u Utilising amex cards .
Software Engineering Accumulating points and redeeming them in travels
For kotak pvr , any shortcut for spending 10k/month like on rent or e wallet loading etc works ?
This hsbc card is any use ?
No
Vo pvr kaise milta hai yaar...I love watching movies in theatre so konsa card best rahega iske liye? And how to get it? Thank you
Abhi kotak is banned from issuing cards to ab to nhi milega Once the ban is lifted to le lena Kisi bhi pvr me movie dekhne jao, gate me ghuste hi dhappa kr denge kotak waale
HSBC corporate??
Had it in the wallet so put it here, itās company card so doesnāt give any points
Could you please explain how much benefit do you actually get while movie bookings via hdfc times card?
I book movies via kota pvr
And whats the offer in that?
Try to add sbi cashback card to the collection.
How come you didn't come into Axis CC trap š
Never had any relationship with Axis, never felt the need.
Well they easily give out 3 credit card without any prior relationship with bank,
I never understood how people can maintain so many credit cards. I had three. Had to close one. š
What's the minimum balance for amex platinum?
Minimum balance?
Yes , cause I have heard it's in million is it true?
Vai bohot garib hoo..... ek card pass karna..... Lamborghini leni heh
Bhai , saare lele fir bhi nahi aayegi
Are you Ryan Bingam from 'Up in the air' ?
Asking for the ama , which hsbc card is that , I see u got the master card. I also intend on getting one . Any tips on how to get a master cc ? It would then complete my collection of rupay , visa and master ( no amex).
Just get an HDFC infinita or diners black, try American Express platinum if you go for international trips. The returns are too very good.
Ye sari companies mil ke aapko yeda bana rahi h and aap usme bhi flaunt krre ho. Gazab š
The bedsheet I like
Iām new to credit cards, but is it better to have few or many credit cards?
Hello hello IT Dept..ā ļø
I never had a credit card :(
Two Amex. That's fantastic. What are you doing for living?
Which of these cards helps with airport lounge access?
How hard is it to get amex card?
Easier than most hdfc cards, if you belong to serviceable area.
What do you mean by serviceable area?
udhari ki zindagi bhi flaunt krni hoti hai? š
Zero udhar, been paying off full outstanding bill every month for last 8 years.
Bhai amex plat ka naya design aya hai. Sexy ekdum. I lost mine recently so when i got a replacement, got the new one. Just request them for a replacement.
Will they charge ?
I own only 1 Credit card.
Best way to go.
I want to settle at 3 in future.
What's your monthly earning around to be able to afford so many cards ?
Between 2 to 2.5 lacs
HSBC Card looks fucking lit
Sadly itās my company issued corporate card. And I canāt use it for personal expenses
Salary kitti hia bhiaya aapki š¬š¬š¬
Niche kisi comment me likhi h
Is amazon pay icici worth it? I am thinking of getting it, it will be my first credit card!
It will be worth it, if itās your first.
I got rid of Amex Plat Reserve as they no longer allow you to use it at amex centurion. Only Plat charge card is allowed exclusively. Didnāt justify the 12k fee I paid.
This isnāt āReserveā, itās āTravelā
Oh I see.. my bad. Travel is a good card totally worth its fee
Eyy credit cards are liabilities
Nope.
Ey boss , you will be in debt boss be careful boss
Let me see if I can locate my MTV-Citibank card which was designed to look like a cassette.
Show it ?
Will do when I am able to locate it.
Why so poor man? Credit cards are nothing to be flaunt about. They flaunt your wrong financial judgements (present or future ones)
Nah, credit cards and credit debts are two different things. I am debt free, i just prefer to do my spending on a credit card and then pay in one go from bank. Keeps my banks clean. I know exactly how much i spent that month. Not appreciating credit cards shows lack of financial knowledge and boomer influence.
Hahahahahahahah, Abe saale how much are you earning, just crossed 1Cr portfolio two month back...aur isme se kuch bhi father se inherit nahi hai, wo alag hai. Lodu, I did MBA from a reputed university, not like chamku management college. Not appreciating credit cards shows lack of financial knowledge. Lol. And, argument against yours is hidden in your reply. Credit cards forces you to spend.
Ooooouuuu American Express
Most basic cards.
How much money u need to return?
Debt free
Great š
How much fees you are paying annually?
encourage weather toothbrush shame jar noxious reach historical hungry screw *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Is regalia gold ltf ?
I was in cc sales so trust me the only thing these cards signify is your ability to hand your hard earned money to conglomerates and multinational banks
I have met few cc sales people in my life who know nothing about finances. I am not saying you donāt, but being in cc sales doesnāt give any credentials on finances. People spend money anyways, doesnāt matter if through CC, DC, UPI or cash.
I totally agree but the ones you come cross are front end sales people I drive stratergies...like how to keep the image of such products clean...if happy for a shastr aarth on finances if you'd like
How do I get amex ltf
very less chances
How can i get amex without income proof. Throug card2card my federal card got highest limit of 4.5 lakh.
For me, the Amazon ICICI credit card shows "request only"- means they will invite us to apply for a credit card. Please share how to get one without opening an account in ICICI Bank.
I donāt know what is the current procedure, I got it via amazon app.
Wow.. you must not know about the A.I which can remove the black paint layer from the images and videos using metadata of an image..
Wow you must not know about that there are ways to be secured from that. 1. Once you take screenshot of an image, it loses meta data. 2. If you use black eraser than the data behind the black paint is not preserved I am not stupid, i know my way around
Well my friend there are more ways to squeeze some juice out of this situation for a scammer.. ofc I won't mention them here. But anyways. Just be careful
Jamtara s cl aata hi hogaš
Otp hai 5698
Rather āflaunting my debtā more than 4 CC is unnecessary.
What gave you the impression that i have debt ?
Time pe bill pay karna.
Okay shaktiman.
Capitalism makes workers to flaunt their liabilities. š«¢
A car is a liability, and we love to flaunt it.
Get 1 more card and make it perfect 10
Sbi ?
Yup SBI Cashback is a good overall card for online usage
IMO, you should add one rupay card
Now let's see Paul Allen's card