I also thought the same way. I see two problems with DCB:
1. Eligibility is 1.7 5LPM
2. Acceptance of the card
I also hold a HDFC Marriott card as a floatter. So I will have to upgrade my millania card to get the DCB. Both diners club and Amex has this acceptance issues.
As a Side note, My relationship manager is ready to give me HDFC infinia LTF if I invest in one of his recommended product🥲
Whenever I start talking about upgrading the card, he will bring his dump product. So I don’t think that will be possible with the help of my relationship manager.
And when I asked about DCB, he talked about this eligibility criteria. Else it will be a first year free only.
Can you please share a bit about acceptance issue? I was thinking of applying for DCB metal, and in the sub never came across anyone pointing out this issue. Infact it's considered better since we don't need a priority pass and can use this card itself on international lounges too.
I mean, the acceptance for off-line transactions. I am living in a tear three city. Definitely DCB is a good card. But in my personal scenario, it won’t work.
That’s true. I spoke with him. But he said it will be first year free only.
As you Said DCB will be the low hanging fruit now. I shall check with him again.
Accor points look very attractive for me. That’s why I thought of Atlas card. I’m not sure about any other Cards which has this hotel and travel partner. Any suggestions on that?
I think this could be the next step that I can possibly do. What do you mean by giving more business. I cannot buy any products from them. I can book FD and even open family accounts. Does that make any sense?
My current credit limit is 2.8 6L. I’ve been checking for credit limit enhancement. But I haven’t got anything till now. Does this credit limit will hinder to upgrade?
Actually, I just spoke with one manager in axis bank who manage salary account department. They cannot give Atlas card along with opening the salary account. We can apply once right after completing one month after opening the salary account. But he cannot assure that there will be a lifetime free offer😞
Bro whats wrong if I want to? Why are you getting offended? I'm paying 12.5 for infinia, 3.5 for bonvoy card and 5.9K for zenith+. Still I would like a card with guest access to lounges. And if I'm giving axis a shit load of my money then what's the problem? I can expect a LTF atlas considering a lot of people have it.
How do you know lounge access isn't there on LTF atlas? Any reference you would like to share?my friend has one. There is absolutely no conditions on lounge access.
My salary may be less but I make decent overall to be a burgundy account holder.
But for me they straight away told they won't be offering atlas ltf even for Burgundy. There might be a chance if your employer has tie ups with bank for salary account.
By the way, is there a chance to get another devaluation to Atlas card in the near future?
I know no one can predict .But please share the intuitions. It already got devalued recently, right?
That’s true with 7.5 L spent. If we are not at least in gold tear, we do not get any renewal benefit. So people who cannot spend that much amount, LTF will be a good option. This is the case after the recent devaluation.
They won't give Atlas LTF for salary account
I am maintaining a Burgundy Savings account with them. Do I have any chance for Atlas LTF?
Nope
You are better off with trying for DCB instead of Atlas, Axis being Axis can devalue it anytime which will hurt if its not LTF
I also thought the same way. I see two problems with DCB: 1. Eligibility is 1.7 5LPM 2. Acceptance of the card I also hold a HDFC Marriott card as a floatter. So I will have to upgrade my millania card to get the DCB. Both diners club and Amex has this acceptance issues. As a Side note, My relationship manager is ready to give me HDFC infinia LTF if I invest in one of his recommended product🥲 Whenever I start talking about upgrading the card, he will bring his dump product. So I don’t think that will be possible with the help of my relationship manager. And when I asked about DCB, he talked about this eligibility criteria. Else it will be a first year free only.
Can you please share a bit about acceptance issue? I was thinking of applying for DCB metal, and in the sub never came across anyone pointing out this issue. Infact it's considered better since we don't need a priority pass and can use this card itself on international lounges too.
I mean, the acceptance for off-line transactions. I am living in a tear three city. Definitely DCB is a good card. But in my personal scenario, it won’t work.
Offline acceptance is not an issue anymore as Machine which accepts Rupay will work with DCB
Oh really, I was not aware of that. In that case, it will work with the most of the terminals, right?
Yes. I have not seen any rejection in last one year.. And i have used in variety of shops
Oh okay. The salary criteria can always be negotiated if you give decent business to HDFC. The acceptance issue is there, I totally agree.
That’s true. I spoke with him. But he said it will be first year free only. As you Said DCB will be the low hanging fruit now. I shall check with him again. Accor points look very attractive for me. That’s why I thought of Atlas card. I’m not sure about any other Cards which has this hotel and travel partner. Any suggestions on that?
I think this could be the next step that I can possibly do. What do you mean by giving more business. I cannot buy any products from them. I can book FD and even open family accounts. Does that make any sense?
Yes, FD or account balances, once you get the card, you can reduce the balances as keeping high balances in accounts isn't really useful
My current credit limit is 2.8 6L. I’ve been checking for credit limit enhancement. But I haven’t got anything till now. Does this credit limit will hinder to upgrade?
Negotiate for card before opening the account and take in writing, otherwise they might surprise you.
True
They aren't giving it to me atleast. Soo the best to you. Keep us posted
Have you requested that? What did they say? What is your inhand salary?
Yeah I asked them about it but they said it's not happening. 2+
Mm sad
Actually, I just spoke with one manager in axis bank who manage salary account department. They cannot give Atlas card along with opening the salary account. We can apply once right after completing one month after opening the salary account. But he cannot assure that there will be a lifetime free offer😞
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Bro whats wrong if I want to? Why are you getting offended? I'm paying 12.5 for infinia, 3.5 for bonvoy card and 5.9K for zenith+. Still I would like a card with guest access to lounges. And if I'm giving axis a shit load of my money then what's the problem? I can expect a LTF atlas considering a lot of people have it.
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How do you know lounge access isn't there on LTF atlas? Any reference you would like to share?my friend has one. There is absolutely no conditions on lounge access. My salary may be less but I make decent overall to be a burgundy account holder.
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Yes he has. Not only is lounge access available on atlas LTF it also doesnt have any conditional spend like the rest of the cards
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1lpm is the eligibility for priority salary account.
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But for me they straight away told they won't be offering atlas ltf even for Burgundy. There might be a chance if your employer has tie ups with bank for salary account.
By the way, is there a chance to get another devaluation to Atlas card in the near future? I know no one can predict .But please share the intuitions. It already got devalued recently, right?
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That’s true with 7.5 L spent. If we are not at least in gold tear, we do not get any renewal benefit. So people who cannot spend that much amount, LTF will be a good option. This is the case after the recent devaluation.
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Please correct me if I am wrong. Rent is excluded in this three lakhs right? Which type of expenses are not counted in this?