Originally Posted by shipnil (Post 5620547)

I am total noob with respect to lounge benefits on CC as I travel mostly by car or trains. So when a CC offers free lounge access, is it completely free or some minimal charge is applied? Or the entry to lounge is not charged but facilities inside are chargeable, like food, beverages, wifi etc.?

Originally Posted by jkrishnakj (Post 5620565)

Need some help.

How could a bank charge me for something that i don’t even have? What could I do to remedy this? Amount isn’t big, but I don’t want to pay since I don’t even know what card they are talking about.

Originally Posted by ashwinsid (Post 5620590)

Lounge access when offered by any credit card, will usually involve you swiping your card for either Rs.2 or Rs.25 and it will be instantly credited back to you. Once you are in the lounge, all food, water, coffee tea is complementary (free of cost) and many lounges even offer canned/packaged juices. Liquor if any, will be chargeable (most international terminal lounges will offer free liquor too).

So basically lounge access is free and so is the food and most facilities inside.

Originally Posted by shipnil (Post 5620547)

So when a CC offers free lounge access, is it completely free or some minimal charge is applied?

Originally Posted by ashwinsid (Post 5620590)

Lounge access when offered by any credit card, will usually involve you swiping your card for either Rs.2 or Rs.25 and it will be instantly credited back to you.

Originally Posted by Caffeinated (Post 5620599)

It's not free, it's charged INR 2, which sometimes gets refunded back.lol:

Originally Posted by gupta_chd (Post 5620645)

Any specific cards or lounges where the amount is refunded back? I have used Visa cards in various lounges extensively (Around 30-40 times may be), domestic as well as international but never got a refund.

Not that it matters as Visa charges Rs. 2 only but curious to know.

Originally Posted by Fx14 (Post 5620649)

Depends on the card issuing platform. From personal experience in domestic airport lounges :
1. Visa and Diners - INR 2 is charged as a "verification charge" , which is not refundable.

Originally Posted by revvharder (Post 5620586)

P.S. My mother who is an practicing advocate had started receiving calls from various legal departments such as Tis Hazari Legal Department and Patiala House Legal department claiming that they were an advocate calling her to settle the dues of some loan without knowing she's an advocate herself and even went on to threaten a Police case would be registered against herrl:. As i handle all the finances at home, she asked me about the call and while she was aware no such department exists in these courts and told them to scam someone else, she still got worried.

Originally Posted by alexgv (Post 5620747)

We all get these kind of calls. Only way this can reduce is to report these scamsters . Is there any mechanism anyone is aware of. We need to take steps to root out this mencae rather than live with it. I am not sure how though. Cyber police at this point is not interested in these issues i am told till these folks scam lakhs of rs from a VIP perhaps.

Originally Posted by adimicra (Post 5620496)

I am thinking to have another Credit card other than Infinia, which will help me with lounge options and may be some bank-specific offers. Looking at cards which I can get LTF or easy renewal waiver.

Originally Posted by AlokSharma (Post 5620531)

Does any other card make sense? I have the Amex Gold charge card too. Should I keep one of the cards of Amex and the rest Infinia and Vistara Infinite or can anyone suggest a combo of 3 cards to get best of non spend based benefits as well as spend based benefits?

Originally Posted by turbospooler (Post 5620882)

Amex MR points are valuable for Taj vouchers as well as Marriott points.

Originally Posted by Karan_n8 (Post 5621571)

So what should be the best card for rewards redeemable for travel ?With Magnus now being devalued, where should one shift their spends to ? Is there a card with multiple partners like Magnus ? I can manage upto 1 Lakhs rupees spend in a month.

I am going to retain my Axis Vistara Infinity card purely for the Vistara gold status.

Originally Posted by itwasntme (Post 5617109)

Very much works with an iPhone. I have a couple of HDFCB RuPay cards, one physical and the other virtual, and both work seamlessly through GPay.

Originally Posted by akhil_007 (Post 5620256)

Looking for suggestions:

How exactly do I apply for a credit card of my choice with HDFC Bank? I have shortlisted Millenia Credit Card but whenever I click on apply online/fill my details, the website throws up 3 credit cards that it thinks is the best for me. I dont like those recommendations but there is no way I can override it to choose the card of my liking.

Thanks in advance

Originally Posted by tejas08 (Post 5621752)

HDFC Diners Club Black
HDFC Infinia
Amex Platinum Travel
Axis Atlas
Amex Membership Rewards Credit Card

Use combination of these cards to achieve the spends and get rewards redeemable for Travel.

Originally Posted by akhil_007 (Post 5620256)

Looking for suggestions:

How exactly do I apply for a credit card of my choice with HDFC Bank? I have shortlisted Millenia Credit Card but whenever I click on apply online/fill my details, the website throws up 3 credit cards that it thinks is the best for me. I dont like those recommendations but there is no way I can override it to choose the card of my liking.

Thanks in advance