DBS Credit card query

[Vasuki]

I have a 7 year old account with them. I don't do many transactions, maintain about 20-50k mab. Use occasionally for UPI transactions wherever Rupay CC is not accepted. No issues faced so far.

Account is not problem

Legend focus is on qauter century of credit card

 

[kiwi195]

What is it that you want to get this card for?

Currently 19. Just require a card for personal spends and my parents don’t mind me getting a card. If it’s pre approved I’d like to take it

 

[EternallyHopeful]

Currently 19. Just require a card for personal spends and my parents don’t mind me getting a card. If it’s pre approved I’d like to take it

Fair enough. Do let us know how your application for the card goes.

 

[kiwi195]

Fair enough. Do let us know how your application for the card goes.

Still thinking if I should open the account. Would like to wait and see if others offer any more information. I also recently opened Axis liberty for the same purpose

 

[Riya Sharma]

Still thinking if I should open the account. Would like to wait and see if others offer any more information. I also recently opened Axis liberty for the same purpose

Axis will be a sure choice to get pre-approval. DBS not so much. Speaking from personal experience since I am 19 myself and have Axis Privilege LTF and Axis Atlas

 

[kiwi195]

Axis will be a sure choice to get pre-approval. DBS not so much. Speaking from personal experience since I am 19 myself and have Axis Privilege LTF and Axis Atlas

Let’s see how it goes then 🫣 Maintaining 50-60k and will do some debit card spends I suppose

 

[Riya Sharma]

Let’s see how it goes then 🫣 Maintaining 50-60k and will do some debit card spends I suppose

I opened Axis Priority and was maintaining MAB. I got Privilege fyf but was charged so I raised complaint. Then they made it LTF for some reason lol. Too bad the card is useless now.

 

[kiwi195]

I opened Axis Priority and was maintaining MAB. I got Privilege fyf but was charged so I raised complaint. Then they made it LTF for some reason lol. Too bad the card is useless now.

Doesn’t hurt to have a lifetime free card 😆 How long did it take for the offer to appear? Were your spends frequent?

 

[Riya Sharma]

Doesn’t hurt to have a lifetime free card 😆 How long did it take for the offer to appear? Were your spends frequent?

I tried applying for the Privilege card before opening the account but was denied twice. After opening account denied again when applied via RM. Then, I waited for 3 months and applied again. This time I got a call from another Axis Branch and they sent over a Physical KYC agent. He just took a photo of me, verified home address and left. Got approved the next day.

I suggest only applying for the most basic Axis core cards when it’s your first Axis card since upgrades are extremely easy with Axis. After you get your first card you can get most other Axis cards in the ‘Apply Now’ section in a month.

 

[kiwi195]

I tried applying for the Privilege card before opening the account but was denied twice. After opening account denied again when applied via RM. Then, I waited for 3 months and applied again. This time I got a call from another Axis Branch and they sent over a Physical KYC agent. He just took a photo of me, verified home address and left. Got approved the next day.

I suggest only applying for the most basic Axis core cards when it’s your first Axis card since upgrades are extremely easy with Axis. After you get your first card you can get most other Axis cards in the ‘Apply Now’ section in a month.

Guess I’ll wait for a couple months and apply via branch

 

[Shobhit Srivastava]

@Shobhit Srivastava Just found out from their card member agreement that the minimum age is 18. Should I call them up to make sure?

Brother are u sure u read 18th as I have read and asked my bank employee as well it is 21 and pre-approved offer u will get within 6 months of fair usage and for Cibil hit it will not matter if its pre-approved unless you have negative or no Cibil score, as DBS is a foreign bank and most foreign bank prefer giving card to salaried if account with them or if salaried but already holding card from any other bank with good score, so prefer getting first card from top four i.e. HDFC, SBI, ICICI and Axis

 

[Bohra]

After how long does DBS give preapproved credit card offers post account opening

 

[kiwi195]

Brother are u sure u read 18th as I have read and asked my bank employee as well it is 21 and pre-approved offer u will get within 6 months of fair usage and for Cibil hit it will not matter if its pre-approved unless you have negative or no Cibil score, as DBS is a foreign bank and most foreign bank prefer giving card to salaried if account with them or if salaried but already holding card from any other bank with good score, so prefer getting first card from top four i.e. HDFC, SBI, ICICI and Axis

The card member agreement does say 18 but I don’t know what their underlying conditions are. Haven’t opened the account yet for this reason

 

[Shobhit Srivastava]

After how long does DBS give preapproved credit card offers post account opening

Now they are giving to more and more accounts holder each month, maybe will take 3-6 months

 

[Bohra]

Now they are giving to more and more accounts holder each month, maybe will take 3-6 months

Any specific balance we should keep

 

[Shobhit Srivastava]

Any specific balance we should keep

No min balance as per account is sufficient, and I performed only 1-2 transaction per month that too of card payment

 

[kiwi195]

Not going ahead with this account for now. No point in having another headache to maintain