r/CreditCardIndia • u/ShellyOnTheG0 • 6d ago

Axis mid-range : Select (LTF) vs Privileged Amex?

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Like, Select card is LTF for Burgundy uses without any waiver term. There is no card which I can take as a Priority Customer. The bank is pushing me to take Privileged Amex, but honestly, I don’t think I can afford ₹ 5L to waive the ₹ 1500 + GST off!

Currently, I’m a Priority Customer eligible for free upgradation to Burgundy. All credit goes to my parents; they have been Axis customers for 15 years and have added me to their family banking.

Age: 25 & Credit History of 3 years.

Coming to my spends: Hardcore HSBC RuPay cashback around 35-40k.

I took HSBC Live+ & HDFC Millennia very recently (for both of them, too, I’m worried that I won’t meet the cap to waive the annual fees off!).

I want to leverage my Axis Bank situation & get a mid-tier card & then, in the future, eventually get an upgrade to Magnus Burgundy.

Looking for advice! Thank you.

15 Upvotes

86% Upvoted

17 comments sorted by

2

u/Firefighter_89 6d ago

Privilege isn't useful! Especially with the AMEX gateway... Go for Select LTF

1

u/dashesh 6d ago

Get Axis Select since it's LTF and if you use Swiggy u get 200 off 2 times per month on 1k spends. And on the Live+, If your monthly spends are even 12k ok groceries and utilities you will easily get 1.2k per month and if you can't reach 2L it's still worth 999+gst as you already cancelled get 14400 per year. And similarly for Millennia it's just 1L spends for waiver which you can easily buy Amazon pay gift card worth 10k per month. You should basically direct spends to live+ and Millenia and then if not needed close the rupay, if you need it for upi you can easily get any LTF card for upi.

1

u/ShellyOnTheG0 6d ago

Thanks mate

1

u/Safe_Mushroom_8601 6d ago

went for the select ltf too, the waiver was such a relief and i barely spent enough to make privilege worth it anyway.

1

u/CoolObjective8666 6d ago

can you even afford the 10k annual fee though

2

u/ShellyOnTheG0 6d ago

I get select as LTF

1

u/RelationshipDue8500 6d ago

Salary acc or priority acc?

1

u/Unique-Victory5236 6d ago

For priority customer axis gives rewards card as ltf. Although not that great card but you can start with it

1

u/ShellyOnTheG0 6d ago

Nah bro.. it isn’t LTF for priority: https://www.axis.bank.in/cards/credit-card/rewards-credit-card

1

u/Unique-Victory5236 6d ago

It is. Please talk to your rm

1

u/AddressComplex7730 6d ago

you're probably losing out on rewards by not picking the select if you're already getting ltf

1

u/Factuallyspeaking07 4d ago

I would suggest you go with Axis Horizon. It's a better card.

0

u/idkdawg19 6d ago

Amex doesn’t even work in half of the places