arindamdey
TF Neo
Are there any credit cards which i can apply for my wife who is a homemaker?i am not asking about add ons on my own credit card.thanks in advance
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credit cards which i can apply for my wife who is a homemaker
- Thread starter arindamdey
- Start date
Solution
Go for a card from axis, icici, sbi or hdfc. Apply for one which you don't have. This way you will have a mix of cards to take advantage of cashback programs by those banks.
Sbi is easy to get but they offer lower limits as the income requirements are on the lesser side.
It depends a lot on where you will spend your money too.
See this post of mine-
www.technofino.in
Thanks!!
Sbi is easy to get but they offer lower limits as the income requirements are on the lesser side.
It depends a lot on where you will spend your money too.
See this post of mine-
Best offline spends card? Credit or debit both work
Best offline spends card? Credit or debit both work Maximum cashback. Preferably LTF but not mandatory Edit: Almost all that I know offer 1% cashback only. So looking for something better.
www.technofino.in
Thanks!!
Rohan
TF Premier
Go for onecard. It offers cc without income proof but first install onescore from playstore and wait for pre-approved offer. Then it will be easy to get the card.
If you or she has done spends in flipkart, apay you can get flipkart axis and apay cards without income documents.
Also can try kotak myntra card.
If you are got options to apply for flipkart axis and icici apay but still application rejecting.
Then get one card with at least 25k and utilize 30% of the limit and after 6 months apply for co-branded cards like flipkart, apay, kotak myntra, paytm cards, tata neu, sbi cards.
Else
Get premium account of hdfc, axis, kotak and spends with ac dc you will get pre-approved offers.
If you any one unsecured card thereafter can apply another cards on card 2 card basis.
Flipkart Axis card and Amazon pay ICICI is best card for beginners having less or NIL Credit history.
Even you can start building score using BNPL products on her Paytm or some others also offering. Once scores build up then your spouse will get cards easily.
Other easy way are Preapproved cards on Saving Account..HDFC is the best for Preapproved cards on saving accounts.
Even you can start building score using BNPL products on her Paytm or some others also offering. Once scores build up then your spouse will get cards easily.
Other easy way are Preapproved cards on Saving Account..HDFC is the best for Preapproved cards on saving accounts.
barman
TF Buzz
How did they do that? Means have followed any procedure?
Shoxie
TF Premier
Probably by maintaining high balance in savings account and getting pre-approved offers.
Abdullāh Khān
TF Select
Desu Sarath
TF Premier
No, My wife has no credit history and her first card is apay from ICICI. She has ICICI savings account which is few months old.
Shoxie
TF Premier
Yeah, ICICI is also weired. I've lot more credit history than my GF, who has credit history for less than 1 year, it is approved for her, but was rejected for me.
Abdullāh Khān
TF Select
The savings account might be a reason why they gave, I think it's for people who have no relationship with ICICI and apply for it directly
Depends on case to case basis....
If you have ICICI Saving account or CC then you can easily get...
Abdullāh Khān
TF Select
Yes its possible.....
Even on Fd based icici card...people have got amazon pay CC..
Even 15 to 20k is sufficient for preapproved Card from ICICIHigh means above 1.5 lakh
Piyush Yadav
TF Select
Using ICICI Card since 2012..Ohkk.. Will you get that pre-approved offer from icici
But by this way, few of my family members got the card .
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