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Best FD Based Credit Card - Query & Discussion

Did a biggest mistake,why you closed onecard.... You know what I begin my journey with onecard within 1 year I get Flipkart cc,next year hdfc now icici and sbi
Bro onecard is shittttt . I do buy online internally so they were Charging a lot 1-2% while purchasing and 1-2% while refund if i cancel or they cancel .

I bought some 70k stuff from kotak dc and website cancelled , in total i paid 7k in charges . I was like fu*k m f and closed all these shits
 
Go with kotak 811 with serviable address of major city .
Usp - they increase limit in fd card .

If u have more money - like 50-1 lakh get icici fd coral cc ( if u want railway lounge) else platinum.
Having high limit fd card helps you in high limit unsecured from starting.
For bank account .
Use hdfc digi youth saving account as primary account (2500 mab ) .
Use fyf Millniea dc - reload 40k via Amazon pay . Enjoy 400 free every month 🥸.
& Sit back relax .

If i have 3-4 lakh spare .there is different strategies..

- mark this as solution 😎
How to apply 811card without savings account, I closed my 811 account long ago.
 
SO Help me , My Primary Bank is BOI , after a lot of difficulties in server and every service , i got my account in Federal Bank via Jupiter , Using Jupiter since last 2 or 3 Years , Have spent around 8 to 9L in a month via that account via UPI and NET Banking , still i am not recieving any offer for credit card , I am a student and i also have a ITR of 421K (First Tiem_ age is 21 and yet they reject my application for credit card , is it because i havent used debit card , my monthly spent is around 1 to 2lakh before jan 2025 easily and before Phonpe stated fees on BBPS Bill payment via debit card my debit card usage was around 15k a month or even higher , shall i close the account and go with any other bank ?? Overall my soent is around 10l a year including net banking , upi and debit card , sometime it goes to 20l
 
SO Help me , My Primary Bank is BOI , after a lot of difficulties in server and every service , i got my account in Federal Bank via Jupiter , Using Jupiter since last 2 or 3 Years , Have spent around 8 to 9L in a month via that account via UPI and NET Banking , still i am not recieving any offer for credit card , I am a student and i also have a ITR of 421K (First Tiem_ age is 21 and yet they reject my application for credit card , is it because i havent used debit card , my monthly spent is around 1 to 2lakh before jan 2025 easily and before Phonpe stated fees on BBPS Bill payment via debit card my debit card usage was around 15k a month or even higher , shall i close the account and go with any other bank ?? Overall my soent is around 10l a year including net banking , upi and debit card , sometime it goes to 20l
20 l is spending or transferring of funds a to b to c.. ?
 
20 l is spending or transferring of funds a to b to c.. ?
In a Month may in 24 I paid 5 lakh in fees via NetBanking , spent around 80k via upi on bbps payments and around 15k via debit card .
Normally till Dec 24 UPI and card usage used to be 80 to 90k , not incoming , just outgoing to bbps payments etc
 
In a Month may in 24 I paid 5 lakh in fees via NetBanking , spent around 80k via upi on bbps payments and around 15k via debit card .
Normally till Dec 24 UPI and card usage used to be 80 to 90k , not incoming , just outgoing to bbps payments etc
How are you able to make payments of 12 to 24 lakhs per year on an income of 4 lakhs?
 
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