Need Credit Card Suggestion - Query & Suggestion

[Md_]

Hey guys I am new to credit cards and i dont have any credit card right now

I need your expertise please help to find some 2 cards to apply as it's last financial quarter

I have a saving account with BOB
Sometimes my MAB is 50k sometime 1-2k
I have a personal loan relationship with IDFC
I have consumer loan with HDFC

My FY23-24 ITR is 5lac

And current my monthly income is 55k+
I am self employed
My current cibil is 780

Please help me to find which bank card should I apply

 

[sicko101]

Right now BoB has the best offers across Apps and considering you have BoB saving account you can go with BoB Easy or Premier whichever you can get LTF

 

[Md_]

Right now BoB has the best offers across Apps and considering you have BoB saving account you can go with BoB Easy or Premier whichever you can get LTF

Should I apply online or by offline

 

[sicko101]

Should I apply online or by offline

Apply offline if you can take your ITR with you. Also ask your Branch manager to check for preapproved offers in your salary account.

 

[Md_]

Apply offline if you can take your ITR with you. Also ask your Branch manager to check for preapproved offers in your salary account.

I have savings account... But surely I will go next week

 

[Mr. BeanMr. Bean is verified member.]

My FY23-24 ITR is 5lac

And current my monthly income is 55k+
I am self employed
My current cibil is 780

If you purchase in Amazon regularly, Amazon Pay ICICI card is easy to get, even for self-employed for a CIBIL of 780.

If you are looking for a secured CC, explore SuperCard by super.money app in collaboration with Utkarsh Small Finance Bank.

 

[manideep77]

Please explain more about your spends and specific category you are looking for?

 

[knightknight]

If you are spending a decent amount online, can try SBI cashback card

 

[Md_]

Like I just wanted a unsecured credit card.... No special needs basic one will be good for me

 

[Md_]

If you purchase in Amazon regularly, Amazon Pay ICICI card is easy to get, even for self-employed for a CIBIL of 780.

If you are looking for a secured CC, explore SuperCard by super.money app in collaboration with Utkarsh Small Finance Bank.

In my another mobile there is option to apply but that number is not linked with my adhaar pan.. Means my Amazon number is different and adhaar pan is different
So can i apply from that phone?

 

[Fini7777]

Hey guys I am new to credit cards and i dont have any credit card right now

I need your expertise please help to find some 2 cards to apply as it's last financial quarter

I have a saving account with BOB
Sometimes my MAB is 50k sometime 1-2k
I have a personal loan relationship with IDFC
I have consumer loan with HDFC

My FY23-24 ITR is 5lac

And current my monthly income is 55k+
I am self employed
My current cibil is 780

Please help me to find which bank card should I apply

As u don't have any credit card prior I'd suggest applying for SBI cashback or Simplysave first
other options include ICICI Amazon Pay
Axis myzone LTF
BOB Easy / Select, premier needs 12L ITR AFAIK

For more details on choosing the right credit card for your needs Check out my thread

Thread 'The Ultimate Credit Card Guide – One-Stop Solution for All Your Queries with RR Analysis!'

Feb 13, 2025

First and foremost, I’d like to express my sincere gratitude to this community for sharing knowledge and spreading awareness about credit cards. Over the past three years, I’ve learned a lot and gained significant insights into the world of credit cards, thanks to all of you.

Now, it's my turn to contribute! I’m excited to present a Comprehensive Credit Card Guide, which includes detailed analysis, comparisons, and insights to help you make informed decisions.

Key Highlights of the Guide:​

📌 Banks Analyzed: 16 issuers, covering 96 credit cards
📌 Excluded...

• Fini7777
• all credit card
• Replies: 45
• Forum: Informative Threads

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[Fini7777]

In my another mobile there is option to apply but that number is not linked with my adhaar pan.. Means my Amazon number is different and adhaar pan is different
So can i apply from that phone?

AFAIK, the number must be linked to ur Aadhar
Try to Apply with the number to which u r getting Apply now option
if it's allowing u to go further then proceed later u can update mob number easily

 

[Md_]

AFAIK, the number must be linked to ur Aadhar
Try to Apply with the number to which u r getting Apply now option
if it's allowing u to go further then proceed later u can update mob number easily

But their system can't fetch my cibil as that number in which apply option show ... Is not linked to any of my loan and they will instantly reject

 

[Fini7777]

But their system can't fetch my cibil as that number in which apply option show ... Is not linked to any of my loan and they will instantly reject

Yes u r right..but you will provide PAN number right?
So it will fetch details through PAN
The only problem here is this new number will be added to ur credit profile if card approved

 

[Md_]

Yes u r right..but you will provide PAN number right?
So it will fetch details through PAN
The only problem here is this new number will be added to ur credit profile if card approved

Bro should I consider applying 2 card at once.
One BoB and Axis bank?

 

[Fini7777]

Bro should I consider applying 2 card at once.
One BoB and Axis bank?

yes you can
Apply BOB with ITR online
Apply axis MyZone LTF online

 

[Md_]

yes you can
Apply BOB with ITR online
Apply axis MyZone LTF online

Can i consider it apply offline as I don't have much knowledge to apply online 😅

 

[Fini7777]

Can i consider it apply offline as I don't have much knowledge to apply online 😅

yes Go ahead
Instead of Axis card try to get an SBI Card offline through bank or agent because the possibility of getting their basic card is high at this moment

 

[sicko101]

yes Go ahead
Instead of Axis card try to get an SBI Card offline through bank or agent because the possibility of getting their basic card is high at this moment

I agree with this...go for SBI or BoB rather than Axis

 

[Md_]

Okay I will apply sbi and Bob at once... Will it significantly reduce cibil or just 5-10 points?