First ever Credit card

[Cholebhature]

Just to give more context. I have never owned a credit card and finally decided on getting one.

Have the option of getting Diners Black, Regalia (LTF) since I have a HDFC account. Wanted Infinia and got invite as well through a friend but they want a salary of 2.5-2.7 a month or pick one lower card and use that for 6-8 months.

I usually work from home. Major expenses include one personal loan EMI, household expenses and money transfer to my parents and weekend restaurant binging and drinking. No fuel expense. Digital spending via Amazon majorly.

Planning to use those points to travel so was inclined towards Vistara Signature but then too many axis cards made it overwhelming for me.

Just looking for recommendations to narrow my research since too many cards out there currently

Since it was asked. I make about 1.5-1.6L a month. Salaried Employee. MNC

TIA

 

[Sevendar@01]

Just to give more context. I have never owned a credit card and finally decided on getting one.

Have the option of getting Diners Black, Regalia (LTF) since I have a HDFC account. Wanted Infinia and got invite as well through a friend but they want a salary of 2.5-2.7 a month or pick one lower card and use that for 6-8 months.

I usually work from home. Major expenses include one personal loan EMI, household expenses and money transfer to my parents and weekend restaurant binging and drinking. No fuel expense. Digital spending via Amazon majorly.

Planning to use those points to travel so was inclined towards Vistara Signature but then too many axis cards made it overwhelming for me.

Just looking for recommendations to narrow my research since too many cards out there currently

TIA

if u could let us know your monthly salary then we can help you better

 

[tsj49]

It also depends on your average monthly spends.

 

[Cholebhature]

if u could let us know your monthly salary then we can help you better

So I earn around 1.5-1.6L a month (basically post taxes). salaried employee.

 

[Sevendar@01]

So I earn around 1.5-1.6L a month (basically post taxes). salaried employee.

so here's my advice
1)HDFC - take DCB only if u want infinia and u r ready for huge annual fees and if u travel quite a lot via flights, regalia is a waste if u ask me, so in short try to lure your RM by saying you will open your salary ac with them or you will make a godd FD and try to get DCB as LTF or use thier institute program to get DCB as LTF
2)Axis - Vistara can be a good choice or else look for ace it is good card
3)SBI - For amazon get sbi cashback card as it will give u 5% on all online spends
4)BOB - apply for eterna as you can get a good return form it and try to apply offline you might get it LTF if u are not getting it LTF then u can think for it by giving fees or if u want BOB card necessarily is giving unconditional LTF premier, select, easy till 30 september 2022, they might extend it
5)ICICI - apply for any LTF icici credit card as you have good salary they might give you coral or rubyx as LTF if they deny you always have your icici platinum chip credit card which is LTF for everyone
For your dining pay via axis cards using eazydiner or with hdfc card using dineout you will save a good amount of money

 

[Cholebhature]

so here's my advice
1)HDFC - take DCB only if u want infinia and u r ready for huge annual fees and if u travel quite a lot via flights, regalia is a waste if u ask me, so in short try to lure your RM by saying you will open your salary ac with them or you will make a godd FD and try to get DCB as LTF or use thier institute program to get DCB as LTF
2)Axis - Vistara can be a good choice or else look for ace it is good card
3)SBI - For amazon get sbi cashback card as it will give u 5% on all online spends
4)BOB - apply for eterna as you can get a good return form it and try to apply offline you might get it LTF if u are not getting it LTF then u can think for it by giving fees or if u want BOB card necessarily is giving unconditional LTF premier, select, easy till 30 september 2022, they might extend it
5)ICICI - apply for any LTF icici credit card as you have good salary they might give you coral or rubyx as LTF if they deny you always have your icici platinum chip credit card which is LTF for everyone
For your dining pay via axis cards using eazydiner or with hdfc card using dineout you will save a good amount of money

Thank you for this. I will check all of these out.