sambitpatro
TF Buzz
Is there any way to get hsbc cashback credit card as LTF?
I have 8 credit cards all of which are LTF... Even basic LTF cards suits my requirements as I don't spend heavily on credit card... Just wanted to know whether hsbc cashback credit card is offered as LTF basis some minimum salary requirements just like ICICI etc.My advice, take first year free (currently by spending some amount, earlier its direct) and see how its useful in first year.
During renewal, request for fee waiver and if not worked switch to another card which is either FYF or LTF at that time.
If fee waiver obtained, enjoy another year and do repeat the process again.
If switched, wait for 3 months and apply again.
All this if that card features still inline with your spending requirements.
LTF cards not sustainable and eventually one will move to high cards or change based on increased income or further spending habits. Do not rely much on LTF cards.
Name 3 cards which are not changed its features or benefits in last 3 years?
Change is inevitable, do not aim for basic cards as LTF, which eventually change over time. IMO
I have 8 credit cards all of which are LTF... Even basic LTF cards suits my requirements as I don't spend heavily on credit card... Just wanted to know whether hsbc cashback credit card is offered as LTF basis some minimum salary requirements just like ICICI etc.