Need Help in getting my First Unsecured Credit Card

[Venkatavk]

Hi Guys,
Im Vk this is my first post here..
Currently i have IDFC WOW as my first ever CC which is around 6m old with limit of 12k (got it for my malaysia trip last October) and all the payments have been made on time and the spendings have been below 30%.

So now i want to apply for a unsecured CC card with a higher limit. I am currently based in Chennai with a net salary of 25k per month (currently a fresher) my most spends go towards Transport charges either fuel or Metro ( around 3.5k per month) and then Airtel Payments ( around 1.6k per month) and often use Zepto (around 2kish per month). So which cards should i apply for.... my CIBIL is 750 in CRED where as in Gpay it shows 769. Currently have a savings bank account with BOI . Would it help if i open an salary account in any banks and also do i need to increase my CC limit with IDFC for WOW.

Currently looking to land ICICI APay .. btw i also have an offer for LTF in Apay app .
Also open for any other card suggestions.

 

[VasukiVasuki is verified member.]

Hi Guys,
Im Vk this is my first post here..
Currently i have IDFC WOW as my first ever CC which is around 6m old with limit of 12k (got it for my malaysia trip last October) and all the payments have been made on time and the spendings have been below 30%.

So now i want to apply for a unsecured CC card with a higher limit. I am currently based in Chennai with a net salary of 25k per month (currently a fresher) my most spends go towards Transport charges either fuel or Metro ( around 3.5k per month) and then Airtel Payments ( around 1.6k per month) and often use Zepto (around 2kish per month). So which cards should i apply for.... my CIBIL is 750 in CRED where as in Gpay it shows 769. Currently have a savings bank account with BOI . Would it help if i open an salary account in any banks and also do i need to increase my CC limit with IDFC for WOW.

Currently looking to land ICICI APay .. btw i also have an offer for LTF in Apay app .
Also open for any other card suggestions.

Open icici bank salary account if you'r company has tie up
Every month salary gets credited
Tranfer net to axis Bank account

This way axis will think fixed credit
Act u as salaried account

Apply bob offline via branch or online

For Amazon pay icici don't apply atleast a year

 

[drvenkat]

Hi Guys,
Im Vk this is my first post here..
Currently i have IDFC WOW as my first ever CC which is around 6m old with limit of 12k (got it for my malaysia trip last October) and all the payments have been made on time and the spendings have been below 30%.

So now i want to apply for a unsecured CC card with a higher limit. I am currently based in Chennai with a net salary of 25k per month (currently a fresher) my most spends go towards Transport charges either fuel or Metro ( around 3.5k per month) and then Airtel Payments ( around 1.6k per month) and often use Zepto (around 2kish per month). So which cards should i apply for.... my CIBIL is 750 in CRED where as in Gpay it shows 769. Currently have a savings bank account with BOI . Would it help if i open an salary account in any banks and also do i need to increase my CC limit with IDFC for WOW.

Currently looking to land ICICI APay .. btw i also have an offer for LTF in Apay app .
Also open for any other card suggestions.

IF you have pre approved Apay you can go for it
You can go for HDFC card online for a unsecured card with you salary

 

[Kumar93196]

Try for axis airtel it's best as per your spends

 

[Venkatavk]

okay.. so i can either open a salary account with ICICI or Axis and then may be fo for ICICI Apay first as it is pre-approved and then go for Axis airtel subsequently.. also does my CIBIL take hit if i apply for both the cards at the same time