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Credit Card Suggestions Needed: Which Card Should I Get Next?

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varunsridharan

varunsridharan

TF Premier
Verified User
Hi everyone,
I'm in search of some advice on what credit card to get next. Here's a list of my existing credit cards:
  • APay ICIC (LFT) with a limit of 4.6L
  • Tata Neu (1499) with a limit of 1.5L
  • Business Money Back HDFC (LTF)
  • IDFC WOW (Secure) with a limit of 7k
Recently, I received a pre-approved offer for the LTF Preapproved OneCard with a credit limit of 3.5L through my app. I'm considering applying for it, but I wanted to hear some opinions from the community first.
Does anyone have any experience with the LTF Preapproved OneCard, or have any other credit card suggestions based on my current cards and spending habits?
Additionally, I'm not sure if it's worth keeping my Business Money Back HDFC card, as I don't use it. Would it be better to cancel it and look for a different card that better suits my needs?
Thank you for any suggestions and insights!
 
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varunsridharan said:
Ok cool thanks for the advice it's ok if i do it in a span of 2months ? Will my cibil get reduced?
Click to expand...
I don't think so

Get icici expression card if you worry about cibil.
After 3 or 6 months of the card apply any card on c2c.

Go for indusind, AU ltf , SBI (if you want high limit don't take cashback card)


After 3 months, on c2c of Icici non Co branded apply sbi card.

After 6months, on c2c apply indus

After 12 months Go for au ltf or hdfc regalia.

If you 1 or 2 enquiries in a month cibil won't decrease.
 
Upvote 0 Downvote
mastergnik said:
I don't think so

Get icici expression card if you worry about cibil.
After 3 or 6 months of the card apply any card on c2c.

Go for indusind, AU ltf , SBI (if you want high limit don't take cashback card)


After 3 months, on c2c of Icici non Co branded apply sbi card.

After 6months, on c2c apply indus

After 12 months Go for au ltf or hdfc regalia.

If you 1 or 2 enquiries in a month cibil won't decrease.
Click to expand...
My Request for ICICI Platinum Card has been registered but i will get combined limit of 4.6 With APay Card & Platinum Card
 
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Here is my updated portfolio

1. Amazon pay (ltf) : 4.6L shared
2. Icici platinum (ltf) : 4.6L shared
3. Icici coral rupay (paid) : 4.6L shared
4. Tata neu infinity (ltf) : 1.5L
5. IDFC WOW (secured & ltf ) : 7300
6. SBI Cashback (paid) : 74000

Please suggest what other cards i can apply for
 
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varunsridharan said:
Here is my updated portfolio

1. Amazon pay (ltf) : 4.6L shared
2. Icici platinum (ltf) : 4.6L shared
3. Icici coral rupay (paid) : 4.6L shared
4. Tata neu infinity (ltf) : 1.5L
5. IDFC WOW (secured & ltf ) : 7300
6. SBI Cashback (paid) : 74000

Please suggest what other cards i can apply for
Click to expand...
Share also your spent pattern and requirement for better Evaluations.
 
Upvote 0 Downvote
varunsridharan said:
Here is my updated portfolio

1. Amazon pay (ltf) : 4.6L shared
2. Icici platinum (ltf) : 4.6L shared
3. Icici coral rupay (paid) : 4.6L shared
4. Tata neu infinity (ltf) : 1.5L
5. IDFC WOW (secured & ltf ) : 7300
6. SBI Cashback (paid) : 74000

Please suggest what other cards i can apply for
Click to expand...
Close platinum icici or coral.

Increase idfc card limit to atleast 25k as it shows as secured credit card in cibil.

Get kotak, amex, indus.

Try axis co-branded cards like flipkart, airtel etc.
 
  • Hehe
Reactions: Rkr
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varunsridharan said:
I would spend monthly 50k min

Mostly online purchase from Amazon
Swiggy , Zomato, blinkit , 1mg , bigbasket
And some international transactions

That's it
Click to expand...
You have all the required cards already there in your portfolio.
  • Cashback SBI Card– Best for Online Shopping.
  • Axis Bank ACE Credit Card– Best for Utilities and Food Orders.
  • Flipkart Axis Bank Credit Card– Best for Co-branded Benefits.
  • Amazon Pay ICICI Credit Card– Best for Online Shopping.
  • IDFC WOW-Best for International transaction with zero Forex markup fee
 
Upvote 0 Downvote
Rkr said:
You have all the required cards already there in your portfolio.
  • Cashback SBI Card– Best for Online Shopping.
  • Axis Bank ACE Credit Card– Best for Utilities and Food Orders.
  • Flipkart Axis Bank Credit Card– Best for Co-branded Benefits.
  • Amazon Pay ICICI Credit Card– Best for Online Shopping.
  • IDFC WOW-Best for International transaction with zero Forex markup fee
Click to expand...
Try for ACE Card via Google Pay method..
 
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varunsridharan said:
I would spend monthly 50k min

Mostly online purchase from Amazon
Swiggy , Zomato, blinkit , 1mg , bigbasket
And some international transactions

That's it
Click to expand...
Amazon includes bill payments of 20k every
TejReddy said:
Close platinum icici or coral.

Increase idfc card limit to atleast 25k as it shows as secured credit card in cibil.

Get kotak, amex, indus.

Try axis co-branded cards like flipkart, airtel etc.
Click to expand...
Ok thanks for the suggestions

For axis there is no possibility to get as they keep rejecting and i don't want to move with them anymore

I do have pre-approved offer for indusind platinum
 
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