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It just makes more sense for banks to give credit line instead of credit card as it gets rid of payment network like Rupay, visa, Mastercard, no cost of manufacturing and delivering card with documents. All of this will make acquiring new customers lucrative both ways. A lot of people use...

I have multiple credit cards with low limit like 30k(all ltf) just wondering if they will upgrade into good cards or decent limit someday. There are some cards like idfc where it's better to close and get a new one than wait for upgrade.

Rupay CC lacks in terms of few things like emi on sites like Amazon and tap to pay in gpay. I need to carry my card to use tap to pay even though I have nfc in my phone.