Best CC on FD of 15k

[Palakh Andey]

What is the best CC I can get for an FD of 15k ? I've been looking for a visa / mastercard CC with low FD value .

Also , trying to stay away from Fintech products like SBM credallio or magnet because hear pretty bad things about those .
I have a super money credit card and credit score of 760 (CIBIL) but I want a visa or MasterCard mainly due to my subscriptions

 

[Beyond]

IDFC Wow cc

 

[sidp]

What is the best CC I can get for an FD of 15k ? I've been looking for a visa / mastercard CC with low FD value .

Also , trying to stay away from Fintech products like SBM credallio or magnet because hear pretty bad things about those .
I have a super money credit card and credit score of 760 (CIBIL) but I want a visa or MasterCard mainly due to my subscriptions

With 15k fd you will get a entry level cc with 12 to 13.5k limit.
Axis mostly give myzone as secured cc now. At hdfc you may get freedom.

My advice is to wait till you save 50k. Till then maintain this amount in axis savings account and use axis upi/dc as much as you can. You might get a decent cc as preapproved.

With this low limit, your utilization will be high which will hamper your score.

 

[Palakh Andey]

With 15k fd you will get a entry level cc with 12 to 13.5k limit.
Axis mostly give myzone as secured cc now. At hdfc you may get freedom.

My advice is to wait till you save 50k. Till then maintain this amount in axis savings account and use axis upi/dc as much as you can. You might get a decent cc as preapproved.

With this low limit, your utilization will be high which will hamper your score.

Waiting till 50 k is not a viable solution for me... As per my stipend and expenses

Also my utilisation is pretty low because I don't use CC much unless for cashback offers. I have a limit of 4.5k on my supercard yet I have only 10% usage . So it won't be a problem for me

How is axis myzone ?

 

[praful47]

Bank of Baroda prime secured credit card

 

[Beyond]

Waiting till 50 k is not a viable solution for me... As per my stipend and expenses

Also my utilisation is pretty low because I don't use CC much unless for cashback offers. I have a limit of 4.5k on my supercard yet I have only 10% usage . So it won't be a problem for me

How is axis myzone ?

It will be chargeable, IDFC wow is the best you can get. (Visa signature)

 

[Palakh Andey]

It will be chargeable, IDFC wow is the best you can get. (Visa signature)

1- it's showing as 0 joing and annual fee in the portal
2- I don't have 20k to put as the fd

 

[Beyond]

1- it's showing as 0 joing and annual fee in the portal
2- I don't have 20k to put as the fd

Myzone offered as LTF for limited period offer, couple of times in year. Hence you are getting 0, wow is free year around.
Myzone on mastercard, wow on signature

 

[praful47]

1- it's showing as 0 joing and annual fee in the portal
2- I don't have 20k to put as the fd

Take bank of baroda prime credit card it is life time free and minimum of 15k is required . However very less or no offers .

 

[sidp]

Waiting till 50 k is not a viable solution for me... As per my stipend and expenses

Also my utilisation is pretty low because I don't use CC much unless for cashback offers. I have a limit of 4.5k on my supercard yet I have only 10% usage . So it won't be a problem for me

How is axis myzone ?

At least wait till 20k to get idfc wow. Thing is if you increase your limit in one, you can get other decent card through c2c. Otherwise it will be a hassle for you.

 

[rajcasio]

KOTAK issues 15k FD Card. If needed you can open a KOTAK 811 ZERO savings a/c

 

[Palakh Andey]

Take bank of baroda prime credit card it is life time free and minimum of 15k is required . However very less or no offers .

I didn't see an way to open it online , and I don't have a BOB branch near me .

 

[Palakh Andey]

KOTAK issues 15k FD Card. If needed you can open a KOTAK 811 ZERO savings a/c

They stopped issuing cards right ? I have a kotak 811 account

 

[rajcasio]

They stopped issuing cards right ? I have a kotak 811 account

RBI issues. I forgot😥

 

[sidp]

@Palakh Andey are you related to Alakh Pandey? Then you can go to any bank and say "Google me" like Adam Neumann. (Tale of another highly overvalued start up.)

 

[Palakh Andey]

@Palakh Andey are you related to Alakh Pandey? Then you can go to any bank and say "Google me" like Adam Neumann. (Tale of another highly overvalued start up.)

I'm the evil twin of alakh pandey . He teaches students for cheap , I send students to big money institutions who shall not be named

 

[sidp]

I'm the evil twin of alakh pandey . He teaches students for cheap , I send students to big money institutions who shall not be named

Then Shouldn't you be "lovely" Pandey.🤣

 

[sidp]

Joke aside if you are still a student try to find out if your current/previous institute have any tie ups. Icici provides Sapphiro ltf to alums of many institute. By default you'll get 3L cl.

 

[Palakh Andey]

Joke aside if you are still a student try to find out if your current/previous institute have any tie ups. Icici provides Sapphiro ltf to alums of many institute. By default you'll get 3L cl.

Nah I'm in a tier 3 college it's good for nothing.