Maximizing Points/Miles on Credit Card Spend
Mar 6, 2017, 8:50 pm
#1
Original Poster
Join Date: Aug 2004
Posts: 42
Maximizing Points/Miles on Credit Card Spend
I have to spend roughly 12 lakhs. Which card should I put it on to maximize the points/miles? I have the following cards:
1. HDFC Regalia
2. ICICI Jet Airways
3. Citi Rewards.
I have also canceled the SBI AI card since it was not worth it. What would be a good mileage card that I can get? Please advise. Thanks.
1. HDFC Regalia
2. ICICI Jet Airways
3. Citi Rewards.
I have also canceled the SBI AI card since it was not worth it. What would be a good mileage card that I can get? Please advise. Thanks.
Mar 7, 2017, 12:05 am
#3
FlyerTalk Evangelist
Join Date: Apr 2009
Location: India
Programs: Bonvoy Lifetime Titanium, IHG Plat, HH Gold, Trident Plat, DL Diamond, AI Maharajah
Posts: 29,649
I have to spend roughly 12 lakhs. Which card should I put it on to maximize the points/miles? I have the following cards:
1. HDFC Regalia
2. ICICI Jet Airways
3. Citi Rewards.
I have also canceled the SBI AI card since it was not worth it. What would be a good mileage card that I can get? Please advise. Thanks.
1. HDFC Regalia
2. ICICI Jet Airways
3. Citi Rewards.
I have also canceled the SBI AI card since it was not worth it. What would be a good mileage card that I can get? Please advise. Thanks.
what are you looking to use the points/miles on????
Mar 9, 2017, 4:00 am
#4
Join Date: Nov 2015
Programs: JetPrivilege
Posts: 87
Regalia is very poor for accumulating points as well as redeeming . It should be either ICICI or citi depending upon your spend as well as your redemption needs.
I have to spend roughly 12 lakhs. Which card should I put it on to maximize the points/miles? I have the following cards:
1. HDFC Regalia
2. ICICI Jet Airways
3. Citi Rewards.
I have also canceled the SBI AI card since it was not worth it. What would be a good mileage card that I can get? Please advise. Thanks.
1. HDFC Regalia
2. ICICI Jet Airways
3. Citi Rewards.
I have also canceled the SBI AI card since it was not worth it. What would be a good mileage card that I can get? Please advise. Thanks.
Mar 9, 2017, 9:45 am
#5
Original Poster
Join Date: Aug 2004
Posts: 42
The spend would be non travel spend. I don't mind accumulating miles if I can redeem them easily for international flights without severe depreciation like was the case with SBI AI card. So is ICICI Jet Amex still the best bet?
Is Citi better than HDFC? I was using regalia for most of my regular spends thinking that is is the best among the three.
Is Citi better than HDFC? I was using regalia for most of my regular spends thinking that is is the best among the three.
Mar 16, 2017, 1:41 pm
#7
Join Date: Jul 2014
Programs: O6 GOLD, SPG GOLD
Posts: 122
The spend would be non travel spend. I don't mind accumulating miles if I can redeem them easily for international flights without severe depreciation like was the case with SBI AI card. So is ICICI Jet Amex still the best bet?
Is Citi better than HDFC? I was using regalia for most of my regular spends thinking that is is the best among the three.
Is Citi better than HDFC? I was using regalia for most of my regular spends thinking that is is the best among the three.
If you get a new card, you can also finish the minimum spending for getting the bonus and be fee free for the year (for some of the cards).
Citi premier miles / prestige would be a good alternative as it has multiple transfer partners. If you fly Jet a lot, ICICI Sapphiro or HDFC Jet World or Diners would be the card of choice.
Mar 16, 2017, 9:33 pm
#8
Original Poster
Join Date: Aug 2004
Posts: 42
Locally mostly fly Indigo. Have ICICI Jet Airways card and have accumulated lots of miles but have not used them much. Are they a good value for redeeming for international flights?
Primarily interested in accumulating miles for redeeming on international flights to the US, primarily on Star Alliance flights. AI miles value is horrible for international flights.
Primarily interested in accumulating miles for redeeming on international flights to the US, primarily on Star Alliance flights. AI miles value is horrible for international flights.
Mar 16, 2017, 10:22 pm
#9
Join Date: Nov 2013
Location: India
Programs: Star Alliance Gold, SkyTeam Elite Plus, Hilton Gold
Posts: 907
For Star Alliance redemption without AI, your options boil down to cards offering SQ or LH miles. I'd say choose from the range of HDFC cards which suits you, they all can transfer to Krisflyer.
Mar 16, 2017, 10:54 pm
#10
Original Poster
Join Date: Aug 2004
Posts: 42
Mar 16, 2017, 11:54 pm
#11
FlyerTalk Evangelist
Join Date: Apr 2009
Location: India
Programs: Bonvoy Lifetime Titanium, IHG Plat, HH Gold, Trident Plat, DL Diamond, AI Maharajah
Posts: 29,649
Mar 17, 2017, 12:13 am
#12
Join Date: Nov 2013
Location: India
Programs: Star Alliance Gold, SkyTeam Elite Plus, Hilton Gold
Posts: 907
Citi PM shines when most of your spend is on airlines, which you said you didn't have. The 2:1 transfer ratio is off-putting to me personally when spending non-travel on Citi PM.
Or...
As Keyser says, get Prestige if you can and high-roll like him. 
Or...
Mar 17, 2017, 12:24 am
#13
Join Date: Jul 2011
Posts: 160
Eh what !!! Which dealership accepts cards for car downpayment ?
Mar 17, 2017, 12:32 am
#14
FlyerTalk Evangelist
Join Date: Apr 2009
Location: India
Programs: Bonvoy Lifetime Titanium, IHG Plat, HH Gold, Trident Plat, DL Diamond, AI Maharajah
Posts: 29,649
for the past 10 years i've always used my credit card to pay for my cars....4 cars with 3 different dealerships....twice i've used the card to make a down payment & the other 2 times i've paid for the car in full....i've never had a problem....
Mar 17, 2017, 11:41 am
#15
Join Date: Mar 2011
Location: BOS
Programs: BA Gold, AA Platinum, SQ Gold, Marriott Titanium
Posts: 1,578
if you are comfortable, what kind of amounts are we talking here?
