List of LTF free Credit Cards

[TheTrickySid]

Let's use this thread to list down all the cc that are LTF, it can be from any bank.
Also if someone has a paid card as LTF they can share their experience on how did they got that as LTF an how can everyone else get it too for LTF.

Adding a list of cards people suggested so that you don't have to go though whole thread.

List of LTF cards:
1. ICICI Amazon Pay
2. Axis My Zone
3. ICICI Platinum Chip
4. Axis NEO
5. Axis Flipkart
6. Axis Indian Oil
6. Indusind Aura Edge
7. IDFC First
8. HSBC Visa Platinum
9. BoB (except Eterna)

 

[prc1990]

How do you guys get cards with such high limits man!!! Got my Amazon pay later at the age 17, have never missed any payment or late on due, got Paytm Postpaid etc, yet i wasn't eligible for any unsecured cc then even tried onecard secured to get started but even after 6 months no luck , but out of no where FK axis got approved with tiny limit of 15k. Have slice tooo

Welcome to the world of credit. Keep building your c-score and then see the magic.

BTW, Slice is a credit line and not a credit card.

 

[Extrovert🌃]

Welcome to the world of credit. Keep building your c-score and then see the magic.

BTW, Slice is a credit line and not a credit card.

Yes, trying to close slice , LazyCard, Paytm Postpaid, and lastly FK PayLater... They killed my score but in fairness they did add repayment history to my cibil so yeah

 

[prc1990]

Yes, trying to close slice , LazyCard, Paytm Postpaid, and lastly FK PayLater... They killed my score but in fairness they did add repayment history to my cibil so yeah

Slice you can keep for the time being. Other credit lines mentioned above are serious threats to our hard build c-score and should be closed ASAP.

 

[TheTrickySid]

Yes, trying to close slice , LazyCard, Paytm Postpaid, and lastly FK PayLater... They killed my score but in fairness they did add repayment history to my cibil so yeah

I guess the repayment history will also get deleted after you close the account 😢

 

[Extrovert🌃]

Slice you can keep for the time being. Other credit lines mentioned above are serious threats to our hard build c-score and should be closed ASAP.

Thanks , I'm on it but closing it is being extremely difficult. SBI is easier to deal with than these BNPL's & btw does simpl report to any credit institutes?

 

[Extrovert🌃]

I guess the repayment history will also get deleted after you close the account 😢

Nope, nothing gets deleted from credit report atleast till 7 years except hard enquires which stay for couple of months

 

[prc1990]

Thanks , I'm on it but closing it is being extremely difficult. SBI is easier to deal with than these BNPL's & btw does simpl report to any credit institutes?

It should being a BNPL service.

 

[Extrovert🌃]

It should being a BNPL service.

It is a bnpl but there's no listing of it anywhere in the credit report(s) and I have been using it for better part of 2 years

 

[Bob78900]

DM me the links please

Okay sir sending you all the links which i have by morning 🥰

 

[Hrraj]

How do you guys get cards with such high limits man!!! Got my Amazon pay later at the age 17, have never missed any payment or late on due, got Paytm Postpaid etc, yet i wasn't eligible for any unsecured cc then even tried onecard secured to get started but even after 6 months no luck , but out of no where FK axis got approved with tiny limit of 15k. Have slice tooo

I m also student with 5 credit cards
Hdfc Money Back-80k
Icici amazon pay-90k
Axis Flipkart-16k
ONE card-90k
Sbi Octane-62k
Two PAY LATERs
Around 1L
all you need to do heavy transactions in first 180 days then don't use card too much and wait and watch bank will offer you.

 

[AllSeeker]

Okay sir sending you all the links which i have by morning 🥰

Share links with me too
😉