The Credit Card Thread

mail4ajo · 17th January 2019, 04:51

Thanks for the feedback. I realized you can also use your NRE savings account debit card in India. I maintain a limited amount in that and can easily fund it from my US bank. Is Mastercard more widely accepted compared to Visa.

libranof1987 · 17th January 2019, 13:10

Quote:

Originally Posted by mail4ajo

Is Mastercard more widely accepted compared to Visa.

No difference in India; no one will check for it. AmEx has limited acceptability.

Amey Kulkarni · 31st January 2019, 10:52

Quote:

Originally Posted by mail4ajo

Is Mastercard more widely accepted compared to Visa.

I saw this thing when my Regalia Visa got rejected at Mumbai T2 Loyalty lounge

.

A few months back it was accepted but now they seem to have turned down on Visa cards and are asking for MasterCard specifically.

Cheers,
Amey

Nonstop-driver · 8th February 2019, 16:41

Any recommendation on Diners Club Black based on their current offers?

Wife has an Amex Platinum Travel that we use mostly to get the Taj vouchers but thinking to get another card for me. We don't visit lounges, the card is used to avail rewards and cashback

arun_josie · 16th February 2019, 22:20

Which credit card gives more benefits for fuel expense usage?

I see a SBI BPCL card and Citi bank IOC card. Any other better options?

DRIV3R · 16th February 2019, 22:45

Quote:

Originally Posted by arun_josie

Which credit card gives more benefits for fuel expense usage?

I see a SBI BPCL card and Citi bank IOC card. Any other better options?

SCB Super Value Titanium.

You get additional cashback for Fuel/Utilities apart from surcharge reversal. Can be used in any bunk and not tied to any brand.

sindabad.sailor · 17th February 2019, 01:46

Quote:

Originally Posted by Amey Kulkarni

I saw this thing when my Regalia Visa got rejected at Mumbai T2 Loyalty lounge

.

A few months back it was accepted but now they seem to have turned down on Visa cards and are asking for MasterCard specifically.

Cheers,
Amey

Same here. A signature Credit card and a Premium Debit card, both Visa, that I have used a few times in the past got declined this time.

Didn't strike me to watch if those managing to get past were MasterCard holders.

arun_josie · 19th February 2019, 08:38

Quote:

Originally Posted by DRIV3R

SCB Super Value Titanium.

You get additional cashback for Fuel/Utilities apart from surcharge reversal. Can be used in any bunk and not tied to any brand.

Thanks DRIV3R for this information! Yes, the advantage that I see is this can be used in any bunk. But there is a limit of Rs.200 per month.

libranof1987 · 19th February 2019, 08:52

Quote:

Originally Posted by arun_josie

Thanks DRIV3R for this information! Yes, the advantage that I see is this can be used in any bunk. But there is a limit of Rs.200 per month.

Been using this card for close to two years now. The thing is, the min. transaction amount for the cashback on telephone is 750/- and my bill is generally 500ish so that hasn't been useful. But yes, I use it for fuel.

Also, yearly transactions have to be at least 60k; else there's a 7.5k yearly membership feel.

tejas08 · 19th February 2019, 09:24

Quote:

Originally Posted by libranof1987

Also, yearly transactions have to be at least 60k; else there's a 7.5k yearly membership feel.

The yearly fee is Rs. 750 and not 7.5K. Plus if you have good Net Relationship Value with SCB, you can get this card as Life Time Free (I have it LTF).

abhi3284 · 21st February 2019, 13:42

Quote:

Originally Posted by libranof1987

Been using this card for close to two years now. The thing is, the min. transaction amount for the cashback on telephone is 750/- and my bill is generally 500ish so that hasn't been useful. But yes, I use it for fuel.

Also, yearly transactions have to be at least 60k; else there's a 7.5k yearly membership feel.

Quote:

Originally Posted by arun_josie

Thanks DRIV3R for this information! Yes, the advantage that I see is this can be used in any bunk. But there is a limit of Rs.200 per month.

Quote:

Originally Posted by DRIV3R

SCB Super Value Titanium.

You get additional cashback for Fuel/Utilities apart from surcharge reversal. Can be used in any bunk and not tied to any brand.

I also have the SCB Super Value Titanium Card and can vouch for it. Pretty handy card but use it only for Fuel and Bill Payments for Cashback. On other purchases, the Reward Points is pretty low on this. As stated earlier, the Annual Fee is 750, which is also waived on spending 60k in a year.

I have been using this Card for 10 months till now and have accumulated close to 4000 Rs. Cashback. i get 200 Cashback per month for filling Fuel at Shell Pump and 200 Cashback for loading Mobikwik Wallet, for paying Bills and other stuff. They also have some or the other Promotions running frequently.

Oxy · 21st February 2019, 17:45

Got the Amex Platinum Travel Card today with zero joining fee for the first year offer. I am a once in a year flyer/holidayer so maybe I can make use of the benefits/vouchers at that time.

Anyone holding this card? How useful do you find it to be?

Ranabegins · 22nd February 2019, 01:49

I use ICICI Coral Visa Platinum card with NFC. I am not too much into credit cards but the only reason i took this one was that it provides Buy 1 Get 1 free on movie tickets twice a month through bookmyshow.

Nonstop-driver · 22nd February 2019, 15:03

Quote:

Originally Posted by Oxy

.
Anyone holding this card? How useful do you find it to be?

Congrats, rake up the 400,000 spending asap and enjoy your mini vacation. One tip - if the vendor doesn't accept Amex, add money to your Paytm account using Amex and pay via Paytm.

Quote:

Originally Posted by Ranabegins

Buy 1 Get 1 free on movie tickets twice a month through bookmyshow.

This offer is quota based. You'll have to book at midnight to get this offer. I've never been able to avail it even if I tried at 8am in the morning. The process is quite opaque too. I didn't like it.

pareshraheja · 22nd February 2019, 15:17

Quote:

Originally Posted by Nonstop-driver

Any recommendation on Diners Club Black based on their current offers?

I managed to upgrade to Diners black last month. The 10X rewards is just amazing if you are able to buy through hdfc smart buy. The 10X reward is applicable till 31 March which, many say may be extended as it has happened in the past.

Also, you get unlimited lounge access across the world (participating airport lounges). Their reach is not as good as Priority Pass but not bad either.

Few days ago they had an issue with their booking website so their concierge service promptly called me for any assistance I may need to book tickets which was nice.

The reward rate is pretty good and as per the catalog, it is at par with the HDFC Infinia card.

17th January 2019, 04:51	#3046
mail4ajo Senior - BHPian Join Date: Mar 2006 Location: San Antonio, TX Posts: 1,957 Thanked: 331 Times View My Garage	Re: The Credit Card Thread Thanks for the feedback. I realized you can also use your NRE savings account debit card in India. I maintain a limited amount in that and can easily fund it from my US bank. Is Mastercard more widely accepted compared to Visa.
	() Thanks

8th February 2019, 16:41	#3049
Nonstop-driver BHPian Join Date: Jun 2011 Location: Noida Posts: 676 Thanked: 781 Times View My Garage	Re: The Credit Card Thread Any recommendation on Diners Club Black based on their current offers? Wife has an Amex Platinum Travel that we use mostly to get the Taj vouchers but thinking to get another card for me. We don't visit lounges, the card is used to avail rewards and cashback
	() Thanks

16th February 2019, 22:20	#3050
arun_josie Distinguished - BHPian Join Date: Jul 2011 Location: Bangalore Posts: 3,737 Thanked: 13,534 Times	Re: The Credit Card Thread Which credit card gives more benefits for fuel expense usage? I see a SBI BPCL card and Citi bank IOC card. Any other better options?
	() Thanks

21st February 2019, 17:45	#3057
Oxy BHPian Join Date: Sep 2011 Location: Bangalore Posts: 224 Thanked: 500 Times	Re: The Credit Card Thread Got the Amex Platinum Travel Card today with zero joining fee for the first year offer. I am a once in a year flyer/holidayer so maybe I can make use of the benefits/vouchers at that time. Anyone holding this card? How useful do you find it to be?
	() Thanks

22nd February 2019, 01:49	#3058
Ranabegins BHPian Join Date: Feb 2019 Location: Patna Posts: 89 Thanked: 184 Times	Re: The Credit Card Thread I use ICICI Coral Visa Platinum card with NFC. I am not too much into credit cards but the only reason i took this one was that it provides Buy 1 Get 1 free on movie tickets twice a month through bookmyshow.
	() Thanks