New here. Need guidance in CC, Banks

[aishwarya]

Hi,

I'm new to technology.
I need r suggestions regarding the following:

1. I am a PhD student at IITG; what are the perks and benefits I can get from banks in terms of CC, accounts etc?

2. I have accounts with SBI, Canara(BSBD), UCO(BSBD), Kotak 811.

3. I have the following CC:
a) SBI ELITE 1.5L LTF MasterCard
b) AXIS NEO 1.19L LTF MasterCard
c) ICICI MMT PLATINUM 1L LTF VISA
d) ICICI Coral Rupay 1L LTF
e) IDFC Millenia 35k LTF
f) Kotak 811 Secured CC 36k LTF.

What are the other CCs I can get easily or anything you guys want to suggest..

@rrsji I approached SBI IITG and Nearest SBI Wealth Branch, they said IITG is not eligible for the offer, also sent an email to sbi wealth bt no response.

@Abhishek012 @Vasuki

 

[avikrish]

Please break down your spends with min-max amounts and give that info to suggest.

Cc is taken based on usage

 

[Vasuki]

Hi,

I'm new to technology.
I need r suggestions regarding the following:

1. I am a PhD student at IITG; what are the perks and benefits I can get from banks in terms of CC, accounts etc?

2. I have accounts with SBI, Canara(BSBD), UCO(BSBD), Kotak 811.

3. I have the following CC:
a) SBI ELITE 1.5L LTF MasterCard
b) AXIS NEO 1.19L LTF MasterCard
c) ICICI MMT PLATINUM 1L LTF VISA
d) ICICI Coral Rupay 1L LTF
e) IDFC Millenia 35k LTF
f) Kotak 811 Secured CC 36k LTF.

What are the other CCs I can get easily or anything you guys want to suggest..

@rrsji I approached SBI IITG and Nearest SBI Wealth Branch, they said IITG is not eligible for the offer, also sent an email to sbi wealth bt no response.

@Abhishek012 @Vasuki

What is your point in getting other credit card
U want niche card for milestone, travel , cashback etc or
U r just in card collection mode
Or u want more card from various bank to have so many limits .

Also if you tag in a edit . Tagged person don't get notified.
I just saw it by chance

 

[aishwarya]

What is your point in getting other credit card
U want niche card for milestone, travel , cashback etc or
U r just in card collection mode
Or u want more card from various bank to have so many limits .

Also if you tag in a edit . Tagged person don't get notified.
I just saw it by chance

I want it to get various offers from Amazon, flipkart etc.
Oh, I didn't know that the tagged persons were not notified.

My CIBIL is 781.

I came to know that I can apply for cards using the statements of existing card. Please guide me in this regard.

 

[aishwarya]

Please break down your spends with min-max amounts and give that info to suggest.

Cc is taken based on usage

I don't have any fixed spends. I spend whenever needed. Like to pay college fees, buy laptop, hard drive or order food online but only when I need it.

 

[avikrish]

I don't have any fixed spends. I spend whenever needed. Like to pay college fees, buy laptop, hard drive or order food online but only when I need it.

For online food take hdfc swiggy cc , u get 10%

For online spends,
1) collect all bank ltf if looking for sale discounts -- icici, SBI, hdfc core cards, axis, yes , rbl, etc... I think you have some already
2) have SBI cashback cc for 5% CB all the time without worry on sales time.
3) college fee comes under educational payment, there are lot of devaluation happened for this payment, you need to check the forum and web to get that info.

 

[avikrish]

I want it to get various offers from Amazon, flipkart etc.
Oh, I didn't know that the tagged persons were not notified.

My CIBIL is 781.

I came to know that I can apply for cards using the statements of existing card. Please guide me in this regard.

That is called C2C or card to card method.
Not all credit cards offer this kind of applications.

Note: never use icici cards to apply for other because the limit you get for new card is very less (that's my opinion)

 

[Ram1]

Icici Apay ltf?
Axis Airtel for bill payments?

 

[Umang85]

1. Hdfc swiggy- 10% cb on delivery with Swiggy, 5% cb on online spends.

Thread 'HDFC Swiggy Credit Card Review'

Jul 27, 2023

Charges and Welcome Benefits​

Joining Fees	₹500 + GST
Welcome Benefits	3 Months Swiggy One Membership
Annual Fees	₹500 + GST
Annual Fee Waiver	Spend ₹2L on your card in a year for an annual fee waiver.
Add-on Fees	NIL
Card Category	Cashback

As you can see the joining fee is being compensated with a 3 months Swiggy One Membership which I would say is not clever on their part. The card could have been priced a bit higher...

• bhavyegoel
• Replies: 6
• Forum: Credit Card Reviews On TechnoFino.in

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2. HSBC Live+ - 10% cb on grocery, food delivery. Bogo on BMS on Saturdays.

Thread 'HSBC Live+ Credit Card Review | HSBC Cashback Credit Card Rebranded'

Dec 5, 2023

Editor’s note: This is a recurring post, regularly updated with new information and offers. Last Updated 15th July, 2024.

HSBC revamped their Cashback Credit Card back in December 2023, and I would say it stood out as an exception in a season of brutal devaluations. Since earning points for travel is becoming increasingly difficult, many people are shifting to cashback credit cards to enhance their value back. Now, in July 2024, they have just rebranded their Cashback Credit Card as the Live+ Credit Card with a fresh design. In terms of benefits, nothing has...

• TechnoFino
• hsbc cashback card
• Replies: 874
• Forum: Credit Card Reviews On TechnoFino.in

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