Disadvantages of having co-branded credit card

[Vicky99]

Hi i am thinking of having paytm sbi card and Flipkart axis card but i was having a doubt if at amazon i get a offer of 10% discount with axis & sbi card then will i be able to get those discounts at amazon using co-branded cards ?

What are the major disadvantage of having co-branded credit cards ? @TechnoFino

 

[Extrovert🌃]

You definitely won't be able to will Flipkart CC

Hi i am thinking of having paytm sbi card and Flipkart axis card but i was having a doubt if at amazon i get a offer of 10% discount with axis & sbi card then will i be able to get those discounts at amazon using co-branded cards ?

What are the major disadvantage of having co-branded credit cards ? @TechnoFino

Same even icici has seperate offers for Amazon pay icici cards and standerd icici cards

 

[Vicky99]

You definitely won't be able to will Flipkart CC

Then whats the advantage of having co branded cards if it could be used on 1 platform only . Similar if sbi paytm card can be used with paytm only then during sbi sale on Amazon it wouldn't be any helpful .

 

[Extrovert🌃]

Then whats the advantage of having co branded cards if it could be used on 1 platform only . Similar if sbi paytm card can be used with paytm only then during sbi sale on Amazon it wouldn't be any helpful .

It all depends on you... Just because there are all kinds of different cards available. It doesn't mean you take em all.

Analyse your spending structure and get what suits you.

 

[Vicky99]

It all depends on you... Just because there are all kinds of different cards available. It doesn't mean you take em all.

Analyse your spending structure and get what suits you.

Most of spending happens on amazon and Flipkart but if co branded cards can't be used anywhere else then during sales at croma or other places we must have to have a standard varients of that card to get benifits at other platforms .

 

[souvikdey2002]

Most of spending happens on amazon and Flipkart but if co branded cards can't be used anywhere else then during sales at croma or other places we must have to have a standard varients of that card to get benifits at other platforms .

Try to understand:-

Every bank design different cards according to different needs, you can't get one card where every discount is applicable.

 

[Bob78900]

Most of spending happens on amazon and Flipkart but if co branded cards can't be used anywhere else then during sales at croma or other places we must have to have a standard varients of that card to get benifits at other platforms .

Last year i went to croma to purchase tv. The guy there told me 4k cashback on hdfc card. I was happy to know this thing but when i gave my card he said the offer is not applicable on this card. Unfortunately i have to buy that on idfc bank consumer durable loan also someone here told me you cannot apply c2c for any other card using your co branded card.
Disadvantage of co branded card

 

[Bob78900]

Yeah one usually can't apply for C2C with cobranded CC

Yes now i remember you're the one who told me about this in bob thread

 

[Extrovert🌃]

Yes now i remember you're the one who told me about this in bob thread

It's news to me

 

[Vicky99]

Yeah one usually can't apply for C2C with cobranded CC

I think i did a mistake i am having icici mmt credit card and icici mmt card now thinking to go for sbi card based on c2c .

 

[007]

I think i did a mistake i am having icici mmt credit card and icici mmt card now thinking to go for sbi card based on c2c .

ICICI MMT card works for 10% instant discount ICICI offers on Flipkart. They only exclude Amazon Pay card from ICICI offers.

 

[Vicky99]

ICICI MMT might work ...It's not considered purely cobranded or something like that

6 month old card will work for c2c ??? I thinking of applying via c2c for sbi & axis .

 

[007]

6 month old card will work for c2c ??? I thinking of applying via c2c for sbi & axis .

You can try but most require 12 month old CC.

 

[007]

1 year minimum usually except BOB

BOB has it's own league!

 

[Vicky99]

BOB has it's own league!

I have bob easy with awful limit . Asked for upgrading card or to upgrade limit both they denied . Atleast icici provided me a good limit

 

[Vicky99]

Yeah doesn't hurt to try

It hurts a credit enquiry on my credit bureaus

 

[007]

I have bob easy with awful limit . Asked for upgrading card or to upgrade limit both they denied . Atleast icici provided me a good limit

They are quite slow... In each and every scenario. But lately the offers on BOB cards have improved substantially.

 

[Vicky99]

How much limits on both CCs?

Bob 20k 8 months old.. icici mmt 70k 6 month old icici apay 70k 3 months old

 

[007]

It hurts a credit enquiry on my credit bureaus

The score decrease on new enquiry is not much and you can easily recover it. Just make sure not to do too many enquiries in a month. 2-3 per month won't hurt imo!

 

[007]

Bob 20k 8 months old.. icici mmt 70k 6 month old icici apay 70k 3 months old

It's shared on ICICI Cards. Hence you got Amazon Pay with 70K limit.