HDFC virtual rupay credit card without cibil for SB holders

[sudhan]

Can i get this 99 per year virtual rupay credit card if I open savings account in HDFC bank

Apply for RuPay UPI Credit Card - Get Cashpoints on Spends |HDFC Bank

With HDFC Bank UPI RuPay Credit Card, you can now enable credit card payments on UPI apps. Get exclusive cashpoints on groceries, dining, utility & other spends.

www.hdfcbank.com

No cibil so far. want to start credit history

 

[D₹V]

Can i get this 99 per year virtual rupay credit card if I open savings account in HDFC bank

Apply for RuPay UPI Credit Card - Get Cashpoints on Spends |HDFC Bank

With HDFC Bank UPI RuPay Credit Card, you can now enable credit card payments on UPI apps. Get exclusive cashpoints on groceries, dining, utility & other spends.

www.hdfcbank.com

No cibil so far. want to start credit history

No, please don't.

You can open account though & get other core cards first, then Tata Neu or following this.

 

[sudhan]

your answer is not clear and no reason mentioned why one shouldn't get it anyway thanks.

 

[D₹V]

your answer is not clear and no reason mentioned why one shouldn't get it anyway thanks.

Card is already shit bro.

They offer 3 cashback points = .25*3 = .75₹

While any credit card/prepaid card out there offers minimum 1% cashback on almost all payments.

 

[sudhan]

when I don't have any cibil history I don't mind a card with zero offers. I don't want to get trapped into bnpl schemes. so looking for a credit card even though it is virtual only. already have a salary account with axis. also I am still a teen waiting for a pre-approved card anyways I can wait just wanted to know if the above is still valid in 2024 as things are changing so fast with banks

 

[cardy]

your answer is not clear and no reason mentioned why one shouldn't get it anyway thanks.

Please don't throw a judgement, "that your answer is not clear "

Don't search fault in answer of forum members. Here We are helping one another.
Instead You can politely request for the reason behind it.

 

[sudhan]

strange community

Those who visit in the future know where I stand and how the thread derailed from original post

 

[D₹V]

when I don't have any cibil history I don't mind a card with zero offers. I don't want to get trapped into bnpl schemes. so looking for a credit card even though it is virtual only. already have a salary account with axis. also I am still a teen waiting for a pre-approved card anyways I can wait just wanted to know if the above is still valid in 2024 as things are changing so fast with banks

You're valid at your point .

But I'm seeing far than you're.

You're thinking of getting stuck in loop of HDFC.

HDFC - Doesn't offer Limit Enhancement, Card Card Upgrades timely, not even in years. Just search the forum.

I didn't want you or anyone to stuck in loop.

I suggested you to wait for more & get atleast Millennia credit card (or Moneyback+ in worst case). So you can use your card peacefully, will get some rewards too.

That was my two cents.

 

[Abdullāh Khān]

@D₹V is right, take his advice and don't take this trash card, open a savings account with HDFC, and wait a few months for pre approved offers. I have gotten in their trap of a shi* card and it got pretty painful (naasoor ban gaya tha)

 

[RAMESH BABU N]

when I don't have any cibil history I don't mind a card with zero offers. I don't want to get trapped into bnpl schemes. so looking for a credit card even though it is virtual only. already have a salary account with axis. also I am still a teen waiting for a pre-approved card anyways I can wait just wanted to know if the above is still valid in 2024 as things are changing so fast with banks

If you have an account in Axis, why not take their virtual Rupay card - KWIK ? Avoid HDFC.

 

[D₹V]

If you have an account in Axis, why not take their virtual Rupay card - KWIK ? Avoid HDFC.

Axis is busy in selling their chargeable IOCL card than LTF Kwik.

 

[RAMESH BABU N]

Instead of HDFC, it's better to go to Kotak - for a student or someone with not much CC/DC exposure.

Easy to open SB, Free virtual Rupay CC, and good offers for regular CCs within 2-3 months. Good way to start....

 

[D₹V]

Instead of HDFC, it's better to go to Kotak - for a student or someone with not much CC/DC exposure.

Easy to open SB, Free virtual Rupay CC, and good offers for regular CCs within 2-3 months. Good way to start....

Yes Kotak Myntra card is really lit , loving it.

 

[Abdullāh Khān]

Yes Kotak Myntra card is really lit , loving it

Mind sharing a short review of it, here or in DM? Getting mixed reviews for this card, was thinking to apply for it since a few weeks

 

[D₹V]

Mind sharing a short review of it, here or in DM? Getting mixed reviews for this card, was thinking to apply for it since a few weeks

I'm using it for UPI only & 1.25% unlimited cashback on min 2k txn is lit.

Cashback is also instant after settlement.

 

[deep@vie]

strange community

Those who visit in the future know where I stand and how the thread derailed from original post

We're strange people

 

[Abdullāh Khān]

I'm using it for UPI only & 1.25% unlimited cashback on min 2k txn is lit.

Cashback is also instant after settlement.

What about acceptability, as people have started turning off rupay cc payment as I have seen in many threads here

 

[D₹V]

What about acceptability, as people have started turning off rupay cc payment as I have seen in many threads here

Don't see thread, see merchants nearby if they accept CC UPI & your spends if you can do 2k+ txns too often.

 

[deep@vie]

What about acceptability, as people have started turning off rupay cc payment as I have seen in many threads here

That's subjective.we can expect some changes in charges as as this trend continues

 

[RAMESH BABU N]

Instead of HDFC, it's better to go to Kotak - for a student or someone with not much CC/DC exposure.

Easy to open SB, Free virtual Rupay CC, and good offers for regular CCs within 2-3 months. Good way to start....

Moreover, if you have some spare funds - you can park them in Kotak's SB a/c n activate AVTIVMONEY option - to get upto 7% interest on FD blocks of 5000/-. Earlier it was in blocks of 10K.