Entering Credit Card World

[rohit911]

Hi guys,
I recently got into the credit card game,
I will receive my first cc (Airtel axis) In 2-3 days.
Now looking for other cards.
I m not into travelling/hotel, my major spend r in utility (20k+) and grocery (offline,mostly dmart) (15-20k).
I m self employed , having 30lakh+ itr.

 

[rohit911]

When was last late emi payment?

You may need to work on improving credit score. Definitely, you may not want more than one cibil hit per quarter or half year. You may look at @SSV's thread on CIBIL for massive gyaan on it.

The last late emi payment was like 2 months ago, but now I have foreclosed that loan.

 

[tachniki]

The last late emi payment was like 2 months ago, but now I have foreclosed that loan.

May be check with loan provider / bank if they will remove it? It will help improve your cibil.

 

[helloworld]

Hi guys,
I recently got into the credit card game,
I will receive my first cc (Airtel axis) In 2-3 days.
Now looking for other cards.
I m not into travelling/hotel, my major spend r in utility (20k+) and grocery (offline,mostly dmart) (15-20k).
I m self employed , having 30lakh+ itr.

with your spends, this card is enough. more cards reduce the reward/cashback.

Thread 'Airtel Axis Bank Credit Card: Maximizing Your Cashback'

Sep 10, 2024

Key Features​

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• 25% Cashback on Airtel Payments
  • Categories: Airtel (Prepaid, Postpaid, Wi-Fi, Black, DTH) bills via airtel app.
  • Cashback Cap: ₹250 per statement (limit reached if spent ₹1000).

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• 10% Cashback on Utility Bill Payments
  • Categories: Electricity, Gas, Water etc. via airtel app.
  • Cashback Cap: ₹250 per statement (limit reached if spent ₹2500).

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• 10% Cashback on Zomato, Swiggy...

• helloworld
• Replies: 26
• Forum: Axis Bank Credit Card

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