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FD based easily available Rupay Credit Cards for UPI Purpose

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pankaj_ji

pankaj_ji

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As some are looking for UPI, Kindly mention easily availble online FD Based Credit Cards. (As there is no guarantee of issuance of unsecured credit cards)
 
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I guess cibil hit may not be there.

but, it may help you to increase your cibil score.

FD based credit card is secured one, so there won't be any rejection.

yes, location may be the issues. if you have knowledgeable person in the location then no issue.
 
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I have a Premium saving account with PNB. I also want an FD-based Rupay card for UPI transactions and to increase my CIBIL with Mixed Credits.
Do I need to visit the branch? Will this FD-based card also go through CIBIL inquiry?

I had just acquired a new credit card this month. I do not wish for any more CIBIL inquiries for a few months.
 
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imdjay said:
I have a Premium saving account with PNB. I also want an FD-based Rupay card for UPI transactions and to increase my CIBIL with Mixed Credits.
Do I need to visit the branch? Will this FD-based card also go through CIBIL inquiry?

I had just acquired a new credit card this month. I do not wish for any more CIBIL inquiries for a few months.
Click to expand...
FD based credit card will not hit CIBIL enquiries. You can apply ang get the virtual card with in 8 -12 hours.
But it may help you to increase CIBIL score.
 
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@KT Shanmuganathan I went to Bank today. The guy was not very aware of all this. He called here and there to know a lot of stuff. Also, There was no pre-approved card on my account. They asked me to create an FD and I did so. After this, he filled out an online form while I was watching everything he was doing. We selected for "Rupay Select" card. After filling out the online form he took a printout and added my signature, aadhar, PAN, and a photo. He told me that he will be sending this form tomorrow to the Delhi office. And all the rest will be notified to me later.
 
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imdjay said:
@KT Shanmuganathan I went to Bank today. The guy was not very aware of all this. He called here and there to know a lot of stuff. Also, There was no pre-approved card on my account. They asked me to create an FD and I did so. After this, he filled out an online form while I was watching everything he was doing. We selected for "Rupay Select" card. After filling out the online form he took a printout and added my signature, aadhar, PAN, and a photo. He told me that he will be sending this form tomorrow to the Delhi office. And all the rest will be notified to me later.
Click to expand...
Yes, not all the bank officials knows this.
I also no pre-approved card on my account, but got the FD based card in the same day.
It's all about the bank officials knowledge.

Hope you will get it. pls check Genie mobile app after 12 hours, you may see the virtual card.
 
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It has been a week now. There is no update on my PNB credit card. No SMS, no communication. Not showing on the Genie app.
Sadly, I do not have the application number. Hence, would have to visit the branch to check the status. will visit tomorrow.
 
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imdjay said:
It has been a week now. There is no update on my PNB credit card. No SMS, no communication. Not showing on the Genie app.
Sadly, I do not have the application number. Hence, would have to visit the branch to check the status. will visit tomorrow.
Click to expand...
FD based card or non FD based card.

FD based card, you could get it on the same day with in 12 hours of of apply.
 
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imdjay said:
It has been a week now. There is no update on my PNB credit card. No SMS, no communication. Not showing on the Genie app.
Sadly, I do not have the application number. Hence, would have to visit the branch to check the status. will visit tomorrow.
Click to expand...
were you able to get card? how much time did it take?
did they ask for ITR? ( brand near my house was insistent on it)
 
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pankaj_ji said:
Non customers have high risk of Cibil Hit and rejection, plus if your location is outside metros, rejection chances increases further
Click to expand...
Yes it is true. My application was rejected when i didnt hold an account. and Cibil hits as rejection. Later I opened an account , then FD for a month, got the FD based card instantly, Physical card after a week.
 
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