I would also add ICICI EPM (especially with bonus). If these cards came with gold status, there wouldn't be a need for any co- branded card in the first place.

I would go for it only if it comes with gold or silver plus last point it must haves. They can use high fees to gatekeep this.

Delhi - Istanbul - Venice - Rome - Delhi in business class for paltry 90,000 miles, plus taxes and fees. 🤯 Aeroplan prices awards by the distance you actually fly. From Delhi, large parts of Europe short of London, Paris and Spain is 40,000 points one-way in business, as long as the whole routing stays under 4,000 miles. Add a stopover for 5,000 more and you see two cities for 45,000. Do it both ways and you see three cities for 90,000.

Infinia with 18L threshold is a disaster, should be closed irrespective whether you are applying for any other card.

Hope you have noticed the HDFC Marriott Bonvoy offer. That's the only one, worth it, this year.

IMO, EPM would still remain the best source for Air India miles (especially if you consider the bonus). I am excited about the new launch only for gold status.

I missed the word 'waste', don't agree with that word. Value of business class completely depends on user. It indeed is very comfortable and convenient for those who can afford/like it.

It's about perspective. If you have large stash of miles then of course business makes lot of sense. But for folks with limited miles generating capacity economy/hotel is a better choice.

How do you manage so many cards? 🤯 I have 5 and feel that this in itself is too much to handle. 😂

Is SBI this bad? 🤔 Never had an SBI CC

I have 2 visa infinite in my family portfolio and have used it. Tbh, I feel it's a useless card from miles perspective [am ignoring Visa infinite, meet and greet travel perks]. You mean hotel on Qatar site? If you know better way to earn miles using this card, then pls do share.

Your list itself has many - atlas, Infinia, ICICI EPM. 1.5% earn rate of indusind isn't meaningful.

IndusInd avios doesn't deserve a top 5 spot. Much better options out there.

Every #ccgeeks pipe dream

they need to get better at risk management. Deposit amount should be way higher...😂

Hospital billing: "Sir, you need to pay a security deposit. It will be refunded in cash. Is that ok?"🤯 Me: Ok?? Bhai, take as much deposit as you want. I have a decent credit limit. 😂😂

It depends, this is how I go about: A. Which program I need my points in. B. The Amount of booking. [Axis would max out at 2L however, Ishop/smartbuy/hopper max out at about 55/120k. If needed I also split the booking across programs.

Yeah, it's was sound decision. Just that applying visa etc is a hassle.

In moments like this, I wonder if I should have given up my Indian passport when I had the chance. Every visa application since has been the price of that decision.

Haha...yeah