NEW TO CREDIT CARD

[jhirani]

I have SBI SimplyCLICK Credit card (2L) Form 2021 and also have One card(30k).

Recently I Get 3 more cards
1. RBL SHOPRITE - 1.3L
2. Indusalnd Ledged - 2.2L
3. IDFC First Select - 1.5L

RECENTLY CLOSED Axis Bank Flipkart (1.5L)


Now my question is this is good portfolio for staring or I have to get any another one.

I have applied for ICICI BPCL MASTER And HDFC SWIGGY. And this both are rejected, I thought this both are rejected due to many Inquiry i have done on last 1 month..

I have cibil around 787 and Experian 811. I think this will drop in this month due to many Inquiry i have done in this and last month.


I need suggestions and recommendations also I want card like IDFC FIST WELTH, indusalnd Pinnacle

 

[soccer]

The suggestions part completely depends on your spending pattern.

Cards that are good for X may be useless for Y (an example is IDFC WOW- it's great for beginner people who have forex spends, but pretty mediocre otherwise)

Your credit card issuance depends on many factors

Salaried/Self Employed (Some banks don't like self employed folks)

Valid Address proof & serviceable pincode

Any existing relationship with bank and whether you have decent average balances (MAB/QAB/HALB)

 

[jhirani]

The suggestions part completely depends on your spending pattern.

Cards that are good for X may be useless for Y (an example is IDFC WOW- it's great for beginner people who have forex spends, but pretty mediocre otherwise)

Your credit card issuance depends on many factors

Salaried/Self Employed (Some banks don't like self employed folks)

Valid Address proof & serviceable pincode

Any existing relationship with bank and whether you have decent average balances (MAB/QAB/HALB)

Well I am salaried employee and I just want to use card on normal spending.

Living in Metro City.

Also I have my salary account in ICICI bank

 

[soccer]

Well I am salaried employee and I just want to use card on normal spending.

Living in Metro City.

Also I have my salary account in ICICI bank

Try and get Amazon ICICI- very handy LTF all-rounder beginner card.

Not sure if there's a cooling period because you've had an ICICI card rejected.

Because you already have Simplyclick (I'm assuming this card is not against a FD), see if you can get SBI Cashback (5% online on practically most things). Costs 999+GST, but you'd easily recover that with 22k of online spending (5% reward rate)

Indusind EazyDiner might also be worth a look at.

 

[jhirani]

Try and get Amazon ICICI- very handy LTF all-rounder beginner card.

Not sure if there's a cooling period because you've had an ICICI card rejected.

Because you already have Simplyclick (I'm assuming this card is not against a FD), see if you can get SBI Cashback (5% online on practically most things). Costs 999+GST, but you'd easily recover that with 22k of online spending (5% reward rate)

Indusind EazyDiner might also be worth a look at.

I have applied for Amazon 1 year ago but file still in pending so I have not checked that again


My spending are mostly daily expenses I don't purchase much things online