LTF credit card suggestion

[epsilondelta56]

So, I have an ICICI sapphiro LTF credit card which I got through their alumni campaign. It is my first credit card and now it is two months old. Since, Sapphiro LTF has a very poor reward policy, hence I want to get a new LTF credit card of any bank. In the meantime I've got calls from banks like RBL, Indusind etc regarding LTF credit cards, but whenever they are trying to process my application, it is getting rejected because of my very new credit history. Also, I'm a student and I don't have a fixed income source, hence no income proof or ITR.
So, can anyone suggest a way to avail my second one ?
Thank you!!

 

[s1t2y3a3m6]

Only one king present in LTF catagory.

Amazon pay card.

Try to get that

 

[sajosunny]

cibil score 800 and icici account needed

 

[s1t2y3a3m6]

cibil score 800 and icici account needed

No need of ICICI account. Just keep doing your all regular shoppings on amazon with sapphiro

try to not return or cancel order frequently

Make a good credit profile with no fresh enquiry ( 6 months minimum, 1 year will perfect)

Then proceed to apply

 

[drsel]

So, I have an ICICI sapphiro LTF credit card which I got through their alumni campaign. It is my first credit card and now it is two months old. Since, Sapphiro LTF has a very poor reward policy, hence I want to get a new LTF credit card of any bank. In the meantime I've got calls from banks like RBL, Indusind etc regarding LTF credit cards, but whenever they are trying to process my application, it is getting rejected because of my very new credit history. Also, I'm a student and I don't have a fixed income source, hence no income proof or ITR.
So, can anyone suggest a way to avail my second one ?
Thank you!!

Without any income proof or income tax returns you will not get any good worthwhile card.
you will only get useless cards

 

[MS R]

So, I have an ICICI sapphiro LTF credit card which I got through their alumni campaign. It is my first credit card and now it is two months old. Since, Sapphiro LTF has a very poor reward policy, hence I want to get a new LTF credit card of any bank. In the meantime I've got calls from banks like RBL, Indusind etc regarding LTF credit cards, but whenever they are trying to process my application, it is getting rejected because of my very new credit history. Also, I'm a student and I don't have a fixed income source, hence no income proof or ITR.
So, can anyone suggest a way to avail my second one ?
Thank you!!

How much is your Sapphiro limit?

Your applications are getting rejected because your credit history is new. My suggestion is to not apply for any credit card in the next 4 months to 1 year. Later, apply for any card that processes C2C applications (if you don't have salary slips/ITR). Or, if you have a stable income with payslips, in 6 months. My credit history started in Sep 2021. My first CC was HDFC Regalia. Before that, I never had a loan/credit card in my name. After a couple of months of the first CC, my other card applications were rejected due to my new credit history. After 1 year of my first CC, I started applying again via payslips/C2C. All of them were getting approved because of my 100% payment history. My current CIBIL score is 780. I have credit cards from all popular banks.

 

[epsilondelta56]

How much is your Sapphiro limit?

Your applications are getting rejected because your credit history is new. My suggestion is to not apply for any credit card in the next 4 months to 1 year. Later, apply for any card that processes C2C applications (if you don't have salary slips/ITR). Or, if you have a stable income with payslips, in 6 months. My credit history started in Sep 2021. My first CC was HDFC Regalia. Before that, I never had a loan/credit card in my name. After a couple of months of the first CC, my other card applications were rejected due to my new credit history. After 1 year of my first CC, I started applying again via payslips/C2C. All of them were getting approved because of my 100% payment history. My current CIBIL score is 780. I have credit cards from all popular banks.

My Sapphiro limit is 3 lacs.
Thank you Sunil. As you suggested, I'll apply after 1 year.

 

[Astrella]

You can get amazon pay card with instant approval (i think) with shared credit limit. You need either good credit history or Income docs to get approved for most cards.

 

[Nishan11]

So, I have an ICICI sapphiro LTF credit card which I got through their alumni campaign. It is my first credit card and now it is two months old. Since, Sapphiro LTF has a very poor reward policy, hence I want to get a new LTF credit card of any bank. In the meantime I've got calls from banks like RBL, Indusind etc regarding LTF credit cards, but whenever they are trying to process my application, it is getting rejected because of my very new credit history. Also, I'm a student and I don't have a fixed income source, hence no income proof or ITR.
So, can anyone suggest a way to avail my second one ?
Thank you!!

Use sapphiro for 6 months for Amazon shopping, recharge, payment. You will get option for icici amazon card.

After 6 month of using sapphiro try C2C for IDFC on their website & HDFC ( offline through branch ).

Indusind stopped C2C card application. Even SBI stopped from this month as told by one of the agent in my branch.

 

[shrey14]

Even I am a UG student. I have Axis MyZone (1Year old), Axis Neo and Kotak League Rupay. I recently closed my Axis Flipkart because didn't want to pay annual fees after devaluation. And trying to apply for Axis Select LTF.
Same issue of no fixed income source, hence no income proof or ITR.
Any LTF cards which I can get without Income proof? (cibil is 778)

 

[girish3456]

So, I have an ICICI sapphiro LTF credit card which I got through their alumni campaign. It is my first credit card and now it is two months old. Since, Sapphiro LTF has a very poor reward policy, hence I want to get a new LTF credit card of any bank. In the meantime I've got calls from banks like RBL, Indusind etc regarding LTF credit cards, but whenever they are trying to process my application, it is getting rejected because of my very new credit history. Also, I'm a student and I don't have a fixed income source, hence no income proof or ITR.
So, can anyone suggest a way to avail my second one ?
Thank you!!

These days all LTF cards are poor in reward rates. Best example is IDFC First wealth credit card