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HSBC is not available at my location.SBI cashback & HSBC Live+ (if your pincode is serviceable)
atleast one ltf card of each bank.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.
Which one is for utility which one for grocery?Tata neu infinity ♾️
AU xcite series ( they run offers for monthly spends)
Can u list some ?atleast one ltf card of each bank.
Neu infinity for both Utility and grocery ( max benefit with neu app).Which one is for utility which one for grocery?
AU LIT, ICICI PLATINUM CHIP, RBL DUET, AXIS NEO, etc......Can u list some ?
For utility, you could get apay gc and pay your bills.HSBC is not available at my location.
And sbi cashback card is for online spend so how is it useful in my case ? Kindly elaborate as I m new in this field.
From where can I purchase the gift cards ?For utility, you could get apay gc and pay your bills.
Also if you shop from reliance stores etc you can buy reliance gc and use them.
5%cb on almost everything (with sbi cb cc)
You may purchase amazon gv from amazon or tata neu app using sbi cashback. 5% cashback. Do not buy more than 10k per month from amazon site. No convenience or processing fee from either.From where can I purchase the gift cards ?
Also is there any convenience fees in buying gc and paying the bill through apay ?
Neu infinity may not be best for you (even for utility) because you may not find good use for neucoins.Neu infinity for both Utility and grocery ( max benefit with neu app).
AU for offline grocery purchase.
Ok thanks,You may purchase amazon gv from amazon or tata neu app using sbi cashback. 5% cashback. Do not buy more than 10k per month from amazon site. No convenience or processing fee from either.
If this is just second enquiry to your CIBIL score, this should be ok. I ain't expert on CIBIL. @SSV is scholar there. Check for your CIBIL score. It is available free on Amazon pay and GPay. If score is above 780 and you have good enough credit history, go for it.Ok thanks,
Seems like this is The card that I should look for.
But One thing, should I apply it now or wait becz I just applied Airtel axis on 14th sept, haven't received it yet.
Before the axis card enquiry, my last enquiry was in February.If this is just second enquiry to your CIBIL score, this should be ok. I ain't expert on CIBIL. @SSV is scholar there. Check for your CIBIL score. It is available free on Amazon pay and GPay. If score is above 780 and you have good enough credit history, go for it.
If you have sbi account, see if you see any banner in sbi netbanking. Some folks got easily via netbanking. Though sbi and sbicard are different entities. If not, also look via cashkaro, you may earn some extra money applying through it. I could have given my referral code. But you will earn more via cashkaro.
When was last late emi payment?Before the axis card enquiry, my last enquiry was in February.
Currently my cibil is 749 , I have 13 years of credit history (With some late emi payments).
I do have saving account in SBI but no pre-approved offer for any card.