Your videos are really good, short and to the point. Appreciate the absence of annoying music tracks, no like/subscribe/notification popups, no time wasting intros, and no clickbait titles. Keep up the good work!
Got Regalia Gold LTF as I was using Regalia and got the regalia gold as upgrade offer. I have one query -- Is there any expense clause to get free airport lounge access or it's available withiut any expense clause?
Even I upgraded to Regalia Gold from Regalia First but it was only allowing a joining fee waiver,meaning for first year it's free...I am looking for LTF options...
How do u get the lifetime free just now i got a call sapphiro no joining fee , annual fee is applicable 6.5k plus taxes few hours ago i said yes on call how do u get that lifetime free man tell that??
Thanks for listening and making this video, would like to see more sucg comparisons, also if you can make video on best cards for particular annual spend, example best cards for 5 lac annual spend etc
I have Spent 7lk on Education fees, the icici bank is saying they wouldn't be considered in the milestone benefits program as it has been converted into EMI so i am Losing on normal points and milestone benefits points as well is this true ??
So I have an issue where I need your advice. ICICI Sapphiro credit card was the first credit card I ever possessed which was issued to me eight years ago. I am aware it is not a great credit card and I have better credit cards than this one in my wallet today. However, my fear is if I cancel this credit card, will it impact my credit score?
just a thought. I have these two cards for free. And Iam trying to to buy AMEX Pl Travel. Should I transfer all my transactions on AMEX? I guess that gives a lot of return..lemme know please
Hi dear this is the first time I found such a valuable information on credit cards. Thanks for your work. Will you plz make a video on upi payment credit cards. What are options and what is best. I am frustrated using upi with my salary account that make my account statement very long every month and sbi bank charges per page for it. Plz help.
I have LTF moneyback card with 5L limit which is getting expired in November this year. Got pre approved upgrade to Regalia Gold with FYF. Checked that I spent around 4.5L last year with my three cards combined, so I might be able to waive off the renewal fee if I spent almost everything with this card. Please suggest should I go for it or wait for any better upgrade?? Also is there any way to convert it as LTF?? Tried with my RM no luck there. Thanks.
I am getting a regalia gold card lifetime free. But hdfc bank is giving me this card after millennia card upgradation. But should I upgrade this card and switch to regalia gold or not??
Maam Mujhe bataya gya hai Sapphiro icici k liye ₹6500 ka joining charges hai but the same amount will refund after 45 days if I am upgrading my icici MMT card and this card is upgrading on behalf of limit enhancement my Icici mmt card limit was 2.60 Lakh and new Sapphiro will come with 6.10 Lakh limit ....is it correct info which provided to me by icici executive? And is it good to go ahead with this upgradation..kindly rply ma'am
I have Regalia gold Fyf & Sapphiro dual variant LTF! Sapphiro Credit card usage on Movies and Lounge is good, though poor return rates! I used DreamFolks to Bangkok International airport, which Is excellent!🎉 Regalia gold I use for all other regular spends! Any tips where I upgrade both of these to HDFC DCB/Infinia or ICICI Emerald😅
You can upgrade to DCB once you have a limit of 6-7 lakh and significant spends in last 6 months. As far as upgrade to Emeralde goes, it's just an okay card. The aim should be to upgrade to Emeralde Private card.
@@akki68097 Let me elaborate brother. It is actually my father who has it ltf not me. I issued it by his name because he has a cibil score of 816. Plus I think the most contributing factor is our Imperia relationship with HDFC bank. He is was pre-qualified for Mariott bonvoy, Diners black and Infinia but none of these are offered ltf to anyone so we went for Regalia gold. I think you should first try upgrading yoir savings account to Preferred or Imperia programme by maintaining a few lakh rupees for a couple of months and then ask your RM to issue it to you ltf.
@@akki68097 Actually it is my father who has it ltf. I'll explain. He has a cibil score of 816 and has an Imperia relationship with HDFC. You can try these methods: 1. First try upgrading your savings account to preferred of Imperia programme by maintaining a few lakh rupees in your account for a couple of months. 2. Make sure one of your cards has a limit of 1.5 lacs or more. (My father has a limit of 8 lacs on sapphiro yet hdfc only vave him 1.6 lacs limit on regalia gold) 3. Wait till the month of february and then ask your RM he/she will get you one ltf.
High limit is subjective. For some people 10-15L is also very high limit.. You can call your relationship manager and ask.. but your income should be closer to the criteria along with good relations with bank and credit score
![Felix "Unfair" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/Oswujxm2Ag0/mqdefault.jpg)
Your videos are really good, short and to the point. Appreciate the absence of annoying music tracks, no like/subscribe/notification popups, no time wasting intros, and no clickbait titles. Keep up the good work!
Thank you for your kind words :)
@@CardAcademy Mam, I got both regalia and sapphire for lifetime free. Which one is better to keep with me
Got Sapphiro as LTF , spa and airport lounge privilege seems pretty handy
What is the criteria to get it LTF?
@@Write2pranab Net salary more than 2lakh. I also got it yesterday
Mujhe upgrade me mil raha h.. but annual fee h
How to get it free?
6500 joining fee and 3500 annual fee not LTF for everyone
Any spend criteria for international lounge or domestic spa via dreamfolk membership??????
Got Regalia Gold LTF as I was using Regalia and got the regalia gold as upgrade offer. I have one query --
Is there any expense clause to get free airport lounge access or it's available withiut any expense clause?
Are u sure regalia gold is ltf?
Even I upgraded to Regalia Gold from Regalia First but it was only allowing a joining fee waiver,meaning for first year it's free...I am looking for LTF options...
I was using millennia. I got the regalia gold LTF as an upgrade. I checked with the customer support and they confirmed that it's LTF
I have regalia card should i update to regalia gold.
Got sapphiro card as a lifetime free card so will i get all the welcome rewards or not ??
How to get sapphiro LTF any tips or process ??
How do u get the lifetime free just now i got a call sapphiro no joining fee , annual fee is applicable 6.5k plus taxes few hours ago i said yes on call how do u get that lifetime free man tell that??
is the uber complimentary pickup and drop voucher still available on regalia gold bcz i cannot see it anywhere on there website
Regalia gold me utility bill pay karne par points and renew fees wiveof me count hota hai kya ?
They should have provided lounge access on the same quarter after spend condition is satisfied:/
I have recieved both the cards as LTF from both the banks
What is the criteria to get Regalia Gold LTF?
How to get regalia gold card as lifetime free card?
After all these devaluation. Which is the best card for Government Transactions apart from Vistara Cards
Thanks for listening and making this video, would like to see more sucg comparisons, also if you can make video on best cards for particular annual spend, example best cards for 5 lac annual spend etc
I have Spent 7lk on Education fees, the icici bank is saying they wouldn't be considered in the milestone benefits program as it has been converted into EMI so i am Losing on normal points and milestone benefits points as well is this true ??
Yes EMI spends don't get you rewards and milestones.
I have regalia rupay LTF using for UPI and offline spent confused whether to opt for regalia gold
What is the criteria to get Regalia Gola LTF?
So I have an issue where I need your advice. ICICI Sapphiro credit card was the first credit card I ever possessed which was issued to me eight years ago. I am aware it is not a great credit card and I have better credit cards than this one in my wallet today. However, my fear is if I cancel this credit card, will it impact my credit score?
Not necessary. Just have a talk with a financial advisor, and close it
Can 2 person access at the same time using both cards of dual cards?
Access is only for primary card holder only. So it can be one only
Spend requirement for Domestic lounge access is not mentioned anywhere in icici website
The mail came some months back
@@jatingupta9599 no where officially icici highlights this...even in the website it's not mentioned... therefore I don't think the limit is there
@@jatingupta9599 I don'think it's applicable for saphiro credit card
Its 5k in the previous quarter which is reasonable
Very nicely explained, thank you
Today they offered me to remove joining fees and annual fees need to be paid in 2nd year which is 3500 +GST , should I get it or not?
I got same Offer,though it's doubtful to me as other ICICI executive said to me that I have to pay the joining fees,no Waveoff for Upgrading card
How to get shappiro as ltf?
Institute or Corporate...
I got it via institute offer...
Hi.. I have huge respect for you.
just a thought. I have these two cards for free. And Iam trying to to buy AMEX Pl Travel. Should I transfer all my transactions on AMEX? I guess that gives a lot of return..lemme know please
Please add time stamps.
I’m big fan of you🎉
I’m confused between Amex platinum travel and Regalia gold please suggest.
Platinum travel...
One video on Govt stamp duty payments please? The last one was 9 months ago, time to revisit this
Regalia gols needs 35000 as spends requirements for lounge access
Hi dear this is the first time I found such a valuable information on credit cards.
Thanks for your work.
Will you plz make a video on upi payment credit cards. What are options and what is best. I am frustrated using upi with my salary account that make my account statement very long every month and sbi bank charges per page for it.
Plz help.
We have made a few. HDFC Tata Neu cards are very good for UPI payments.
ICICI ka pocket app ke bare me bataye aur kya uski help se ICICI bank ka credit card le sakte hai aur kya ICICI bank relation rhega
I have LTF moneyback card with 5L limit which is getting expired in November this year. Got pre approved upgrade to Regalia Gold with FYF. Checked that I spent around 4.5L last year with my three cards combined, so I might be able to waive off the renewal fee if I spent almost everything with this card.
Please suggest should I go for it or wait for any better upgrade?? Also is there any way to convert it as LTF?? Tried with my RM no luck there. Thanks.
My salary was close to Their LYF and my limit was 15L
So based on 9 years relation and my spends I pushed my RM and they agreed..
what is the best card to get from icici portfolio?
Amazon Pay ICICI
How to get the credit limit for icici amazon pay card increased?
Take it as a feedback but your thumbnail of this video looks like ad so there is chances of someone is scrolling he probably skip the video
Hey can I get HDFC regalia gold on card to card basis ?
Yes
@@ritwiksharma1439 ok
My current limit is Rs. 1,75,000/- would that be sufficient?
Thank you
I am getting a regalia gold card lifetime free. But hdfc bank is giving me this card after millennia card upgradation. But should I upgrade this card and switch to regalia gold or not??
If the benefits aligns with your spending then you must go for it.
@jahidhusain1924,is it first year free or LTF?
@@reachshyamal starting they were offering first year free and I ignored but after that they offered Ltf.
@@jahidhusain1924 For how long were they offering you first year free and after how much time did it get changed to lifetime free?
Miles conversion options are way more than what you told for gold card!
I apply IDFC bank millennia credit card how many days to need credit card come in home
I want credit card
Within 4-5 days after approval
I have both as LTF
लाइफटाइम फ्री 2024 क्रेडिट कार्ड के ऊपर भी कोई लेटेस्ट वीडियो बनाओ
Try to make video best debit cards
Nice video बिटिया रानी
Didi ... Aapka koi relative hai kya ... Bhilwara Rajasthan me .... Because aapka face meri ek friend se bilkul match karta hai pura 😅😅
Friend se puch reply milega..
Mera to icici bank wale ki joining fee 1999 hi hai
Got the Sapphiro LTF. Using it only for book my show. I have the visa signature variant.
Good LTF card for Bookmyshow and lounges.
And also for spa visits... I got the dual card
I recently faced issues with redeeming BMS offer. Is there a quota?
@@parthshah9373Yes. Read the terms and conditions. There are fixed time slots. Try to book at the beginning of any time slot.
@@parthshah9373 check their tnc
Got LTF on Salary Account
Maam Mujhe bataya gya hai Sapphiro icici k liye ₹6500 ka joining charges hai but the same amount will refund after 45 days if I am upgrading my icici MMT card and this card is upgrading on behalf of limit enhancement my Icici mmt card limit was 2.60 Lakh and new Sapphiro will come with 6.10 Lakh limit ....is it correct info which provided to me by icici executive? And is it good to go ahead with this upgradation..kindly rply ma'am
Bhai 6500 refund hoga wo likhwa kar lena email m or in writing paper, boli hui baat ka bharosa nahi, agent jhoot bol dete h Kai baar
@@vikaskapoor653hn Bhai
I have Regalia gold Fyf & Sapphiro dual variant LTF! Sapphiro Credit card usage on Movies and Lounge is good, though poor return rates! I used DreamFolks to Bangkok International airport, which Is excellent!🎉 Regalia gold I use for all other regular spends! Any tips where I upgrade both of these to HDFC DCB/Infinia or ICICI Emerald😅
You can upgrade to DCB once you have a limit of 6-7 lakh and significant spends in last 6 months. As far as upgrade to Emeralde goes, it's just an okay card. The aim should be to upgrade to Emeralde Private card.
Yes but how to upgrade to Emeralde Private ?
Suphiro vale like kre❤
I have sapphiro amex visa mastercard all ltf😅
I know how you got all cards but how did u get saphhiro LTF in first place?
Do you have 3 sapphiro cards?
@@vivekkoul4428 yes
@@rahulgupta43701 mailed cc too many times they accepted
Madam ji muje upgraded offer mila sapphiro dual card .life time free me.kya upgraded kar lena chahiea? Plz help me.
Mam apka job profession kya hai
Plzz reply ❤❤
I have regalia gold lifetime free, i am also eligible for sapphiro Ltf but currently keeping rubyx only.
If you're a movie buff, then you can upgrade to Sapphiro.
What's your net salary bro
Why rubyx? Isnt it a bad card.. get sapphiro and close Rubyx..
While me who has both of them ltf 😅
Great
Criteria for regalia gold LTF ?? I have regalia first LTF, but that is useless.
@@akki68097 Let me elaborate brother. It is actually my father who has it ltf not me. I issued it by his name because he has a cibil score of 816. Plus I think the most contributing factor is our Imperia relationship with HDFC bank. He is was pre-qualified for Mariott bonvoy, Diners black and Infinia but none of these are offered ltf to anyone so we went for Regalia gold.
I think you should first try upgrading yoir savings account to Preferred or Imperia programme by maintaining a few lakh rupees for a couple of months and then ask your RM to issue it to you ltf.
@@akki68097 Actually it is my father who has it ltf. I'll explain. He has a cibil score of 816 and has an Imperia relationship with HDFC.
You can try these methods:
1. First try upgrading your savings account to preferred of Imperia programme by maintaining a few lakh rupees in your account for a couple of months.
2. Make sure one of your cards has a limit of 1.5 lacs or more. (My father has a limit of 8 lacs on sapphiro yet hdfc only vave him 1.6 lacs limit on regalia gold)
3. Wait till the month of february and then ask your RM he/she will get you one ltf.
1st
You are super beautiful ❤❤❤
SIMP
what is your twitter handle?
Probably you are not in good health....
I have ltf sapphiro with very high limit how should i ask for emeralde ltf???
High limit is subjective.
For some people 10-15L is also very high limit..
You can call your relationship manager and ask.. but your income should be closer to the criteria along with good relations with bank and credit score
@@sanketnegi1 I got emeralde Private first year free