Help to applying a good credit card

[subhajitmahanta]

Hi, please help to suggest a good credit card (please suggest LTFs only). I am currently using the Paytm & Flipkart Pay Later scheme to generate my credit score. Currently it is 769 due to timely payments & it is only 6 months old( because I am new on this journey). I don't spend too much, just some utility bills & offline store spends. I am currently a student now, so no salary slip & ITR. So is there any chance I can get an unsecured credit card? Not interested in FD-based credit cards.

Thank you in advance.

 

[WandereR]

Amazon pay ICICI is the easiest to get I think

 

[subhajitmahanta]

Amazon pay ICICI is the easiest to get I think

Asking for Salary Slip 🙁

 

[Shrinit Padwal]

Hi, please help to suggest a good credit card (please suggest LTFs only). I am currently using the Paytm & Flipkart Pay Later scheme to generate my credit score. Currently it is 769 due to timely payments & it is only 6 months old( because I am new on this journey). I don't spend too much, just some utility bills & offline store spends. I am currently a student now, so no salary slip & ITR. So is there any chance I can get an unsecured credit card? Not interested in FD-based credit cards.

Thank you in advance.

Try opening account(10k balance maybe) in either Axis/HDFC/Kotak/IndusInd - in 3 months atleast you will get some pre approved cc offers.

LTF cards(unsecured) you can get in pre-approved -
Axis myzone/axis iocl/Kotak league platinum/IndusInd aura edge/legend/Hdfc moneyback/millenia

 

[subhajitmahanta]

Try opening account(10k balance maybe) in either Axis/HDFC/Kotak/IndusInd - in 3 months atleast you will get some pre approved cc offers.

LTF cards(unsecured) you can get in pre-approved -
Axis myzone/axis iocl/Kotak league platinum/IndusInd aura edge/legend/Hdfc moneyback/millenia

I have Kotak 811 account though. Will it work?

 

[Shrinit Padwal]

I have Kotak 811 account though. Will it work?

Yes it can work, park some money and do some transaction(2-3 months). Banks generally are eager to distribute credit cards. But only opt for lifetime free unless you have specific use for paid ones.
Also you can visit branch as well and enquire if you can get any unsecured cc and ask abt pre-approved offers as well.
I personally don't have a Kotak bank account, maybe some kotak expert can suggest.

 

[plastikman]

Try for Onecard

 

[subhajitmahanta]

Try for Onecard

I've applied. It's showing "KYC Pending". What to do now? Mailed them also regarding this.

 

[plastikman]

I've applied. It's showing "KYC Pending". What to do now? Mailed them also regarding this.

Didn't it show an option for eKYC ? Which bank is it BOB / Federal or IDFC ?

 

[subhajitmahanta]

Didn't it show an option for eKYC ? Which bank is it BOB / Federal or IDFC ?

Nothing showing. Just ask me for PAN & some basic details, after that it's showing KYC Pending. No limit nothing.

 

[plastikman]

Nothing showing. Just ask me for PAN & some basic details, after that it's showing KYC Pending. No limit nothing.

Oh. Does it show a waitlist ? Maybe someone else would be able to confirm if they have stopped on boarding 🙁

 

[nrb]

OneCard also asking FD based card only. Not sure if it is only for me or they stopped LTF