I’ve been using an ICICI Sapphiro for a few years and recently received an invite to upgrade to the Times Black card. Before taking a call, I wanted to understand how members here typically evaluate such upgrades. For those who’ve moved to premium cards, what parameters matter most in your...

If your income is ₹12 lakh or above, the Eterna Credit Card is showing up as Lifetime Free during the online application — no joining fee, no annual fee. Why It’s Worth Applying • Up to 3.75 percent rewards on online, dining and travel • Unlimited domestic airport lounge access (primary +...