Credit Card Suggestion please!

[knight]

Hi I was planning to get a secondary credit card and would love to have your insights.
As I already have LTF HDFC millenia with 3L+ limit and Cibil is a little above 750.

Since I wont be using the new card a lot, so I'm looking for LTF cards with higher credit limit 1-2L+ (to maintain overall credit utilization)
I found a couple of cards that could fit my use case. Can you guys give insights on the limit that is offered with these and how easy they are to get?

1. Axis Myzone
2. IDFC Select
3. Amazon Pay ICICI
4. IDFC Wealth (from what I've heard this is hard to get)

I'd have gone for Axis ACE or SBI Cashback but both are paid and overlap with Millenia in some areas.

I'm open to suggestions.. My primary goal is LTF with high credit limit. And few addon benefits like lounge access, BOGO movie offer etc. would be good to have.

 

[Venky]

-Amazon Pay icici for the limit as ICICI is normally very generous with their credit limit and 5% cashback (if you’re a prime user)
-IDFC Select for the features like Movies discounts, lounge access, railway lounge, addon card etc.

-Both, because they are good cards and LTF. I went for both.

 

[knight]

-Amazon Pay icici for the limit as ICICI is normally very generous with their credit limit and 5% cashback (if you’re a prime user)
-IDFC Select for the features like Movies discounts, lounge access, railway lounge, addon card etc.

-Both, because they are good cards and LTF. I went for both.

Does IDFC give decent limit?
My Cibil won't have HDFC limit as HDFC doesn't report it. Is it possible to share the HDFC statement with them and ask for higher limit?

 

[Venky]

Does IDFC give decent limit?
My Cibil won't have HDFC limit as HDFC doesn't report it. Is it possible to share the HDFC statement with them and ask for higher limit?

Nope. Its all an online process. It’ll ask you about your existing card and its limit thats all. No statement sharing or photo sharing is needed. Instant approval or rejection. I used my card with a 3 lakh limit too and got select with 1.5 lakhs. 🥲

And with icici they directly gave me a 3.6 lakhs limit on the basis of cibil and they just increased it to 4.2

 

[SiddharthR]

Hi I was planning to get a secondary credit card and would love to have your insights.
As I already have LTF HDFC millenia with 3L+ limit and Cibil is a little above 750.

Since I wont be using the new card a lot, so I'm looking for LTF cards with higher credit limit 1-2L+ (to maintain overall credit utilization)
I found a couple of cards that could fit my use case. Can you guys give insights on the limit that is offered with these and how easy they are to get?

1. Axis Myzone
2. IDFC Select
3. Amazon Pay ICICI
4. IDFC Wealth (from what I've heard this is hard to get)

I'd have gone for Axis ACE or SBI Cashback but both are paid and overlap with Millenia in some areas.

I'm open to suggestions.. My primary goal is LTF with high credit limit. And few addon benefits like lounge access, BOGO movie offer etc. would be good to have.

Cashback SBI is better than Millennia, take that & transfer spends from Millennia to SBI

 

[Chaitanya-a]

Cashback SBI is better than Millennia, take that & transfer spends from Millennia to SBI

Problem is SBI rejecting most of its applications.

 

[Chaitanya-a]

Hi I was planning to get a secondary credit card and would love to have your insights.
As I already have LTF HDFC millenia with 3L+ limit and Cibil is a little above 750.

Since I wont be using the new card a lot, so I'm looking for LTF cards with higher credit limit 1-2L+ (to maintain overall credit utilization)
I found a couple of cards that could fit my use case. Can you guys give insights on the limit that is offered with these and how easy they are to get?

1. Axis Myzone
2. IDFC Select
3. Amazon Pay ICICI
4. IDFC Wealth (from what I've heard this is hard to get)

I'd have gone for Axis ACE or SBI Cashback but both are paid and overlap with Millenia in some areas.

I'm open to suggestions.. My primary goal is LTF with high credit limit. And few addon benefits like lounge access, BOGO movie offer etc. would be good to have.

I would suggest you to take Amazon pay card first. It gives better limit than others. And LTF.

 

[iamabhisekagar]

Hi I was planning to get a secondary credit card and would love to have your insights.
As I already have LTF HDFC millenia with 3L+ limit and Cibil is a little above 750.

Since I wont be using the new card a lot, so I'm looking for LTF cards with higher credit limit 1-2L+ (to maintain overall credit utilization)
I found a couple of cards that could fit my use case. Can you guys give insights on the limit that is offered with these and how easy they are to get?

1. Axis Myzone
2. IDFC Select
3. Amazon Pay ICICI
4. IDFC Wealth (from what I've heard this is hard to get)

I'd have gone for Axis ACE or SBI Cashback but both are paid and overlap with Millenia in some areas.

I'm open to suggestions.. My primary goal is LTF with high credit limit. And few addon benefits like lounge access, BOGO movie offer etc. would be good to have.

Since you are a HDFC CC holder...check whether you are getting tata neu infinity CC LTF, Axis Myzone is great card in LTF, Amazon Pay CC is great

 

[knight]

Cashback SBI is better than Millennia, take that & transfer spends from Millennia to SBI

Yes, i was thinking about the same, but since i just got approved for LTF millenia, I decided to wait for a while to see if SBI comes with some limited time LTF offers for SBI Cashback.

Though 2L spends is usually achievable for me, i'm staying away from spend-based waivers for now.

 

[Chaitanya-a]

Yes, i was thinking about the same, but since i just got approved for LTF millenia, I decided to wait for a while to see if SBI comes with some limited time LTF offers for SBI Cashback.

Though 2L spends is usually achievable for me, i'm staying away from spend-based waivers for now.

Bro😂 never expect LTF card from SBI.

 

[knight]

Since you are a HDFC CC holder...check whether you are getting tata neu infinity CC LTF, Axis Myzone is great card in LTF, Amazon Pay CC is great

The reason for adding a new card is that HDFC doesn't report credit limit to bureau and i suspect credit utilization is causing my credit score to be stuck at 750~.
So adding another HDFC card wouldn't solve this.

Any ideas on how to get good limit from Axis for new customers? (It would be useful for axis offers as none of my friends have an axis card yet.)
Second best is Amazon Pay, i agree.

 

[knight]

Bro😂 never expect LTF card from SBI.

My hope jumped from the terrace.. 😛

 

[SiddharthR]

I decided to wait for a while to see if SBI comes with some limited time LTF offers for SBI Cashback.

AFAIK, SBI had never ever ran a LTF offer.

Though 2L spends is usually achievable for me, i'm staying away from spend-based waivers for now.

You can spend just ₹25K & your fee is recovered, Millenia has decreased cb rate to just 1% from 2.5%. and just gives 5% on few brands, also charges for APay GC on Smartbuy & that too with a limit of 5% cb upto ₹1000 and a lot more.
just one concern is rejection for cb SBI, as stated by @Chaitanya-a

 

[Dazzwilliams]

I decided to wait for a while to see if SBI comes with some limited time LTF offers for SBI Cashback.

Be thankful if your SBI Cashback card gets approved.
Lots of random rejections without proper reason these days

 

[knight]

Since you are a HDFC CC holder...check whether you are getting tata neu infinity CC LTF, Axis Myzone is great card in LTF, Amazon Pay CC is great

The lounge program and benefits seem quite nice for Neu Infinity.
I've never downloaded Tata Neu app. Shall I just download and check? Or is it offered to high spenders on the app only?

 

[SiddharthR]

Lots of random rejections without proper reason these days

And that too instant rejection 😂

 

[SiddharthR]

I've never downloaded Tata Neu app. Shall I just download and check? Or is it offered to high spenders on the app only?

Download & check, you can instantly get FYF or LTF offer
Or after downloading & checking CIBIL on app
Doesn't matter how much you spend, as ur existing card limit is above ₹1.5L, u can get infinity

 

[knight]

Download & check, you can instantly get FYF or LTF offer
Or after downloading & checking CIBIL on app
Doesn't matter how much you spend, as ur existing card limit is above ₹1.5L, u can get infinity

Great I'll download and check.

 

[knight]

Anybody has a tata Neu refferal? or any new joinee offers?

 

[SiddharthR]

Anybody has a tata Neu refferal? or any new joinee offers?

Nothing like that