Last week, I wrote about my 2013 Mileage Credit Card strategy, where I told you guys I managed to get something about 264,000 miles basis credit cards issued in India for the full calendar year. For 2014, here are the credit cards I am looking at having in my wallet. Take note that while I intend to publish full reviews for each product at some point of time, it may be a while before I would be able to bring them all in the fold. To make it simple, I’ve updated my Mileage CC calculator for 2014 numbers, so have a look and see which is the best one for you.
Here are the cards I already have, and I’ll give you a run down of my keep or cancel for them first:
- Citibank PremierMiles MasterCard (Keep): This is my favourite credit card all around, and if you’ve poked around this blog, you would have noticed I love this product. I intend to keep it and use it as my primary card.
- Citibank Ultima (Cancel): Unfortunately, the Ultima proposition was diluted significantly with not proportional fee dilution. The Jet Airways partnership broke off last year, and the Priority Pass benefits, where I could bring along up to 3 people with me on the unlimited visits Priority Pass, were also diluted. I let go off this card earlier in 2014, and swapped it for a Citibank PremierMiles Visa card, allowing me to have twice the benefits on the PremierMiles credit card.
- ICICI Bank / Jet Airways co-branded Sapphiro cards (Keep): I have the card for a while now, and as a Jet Platinum member it comes to me free of cost. I intend to keep this card, specially since it also gives me access to the Altitude Lounges in Mumbai and Delhi airports.
- HDFC Bank/ JetPrivilege co-branded credit cards (?): I am still thinking about this one. Although the credit card comes free to me, the bank took 4 months to deliver my replacement credit card. Bad customer care experience, and they still haven’t posted my annual renewal miles.
- American Express/ JetPrivilege co-branded credit card (?): Last year, I paid INR 10,000 to sign-up for this card, in spite of the fact that it would have come free to me as a Jet Platinum, or under the Wheel of Fortune contest. The reason was that only paid card holders would have gotten the mileage offered on sign-up (30000 miles under a special launch offer). Renewal benefits are not so great, and hence, I wonder if I should keep or cancel this card. Although that would mean letting go off access to the American Express Lounge as well in Delhi and Mumbai.
- SBI Card/Air India co-branded credit card (keep): This is my first year with this credit card, and I’ve already paid up the fees. Now all I have to do is to hit the milestones as this card really has some sweet benefits if you are an Air India traveller.
Do you guys have a similar or different view than mine about the credit cards discussed above? What would you do if you were in my place?
In part 3 of this series, I will discuss some of the new credit cards I may consider signing up for this year. If there is a question, feel free to leave me a comment and I will be happy to answer for you.