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Please suggest a card from the banks I'm not having. 🏦🌟

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Gaara

Gaara

TF Ace
I would like to acquire credit cards from various banks specifically to avail 10% instant discount during sales. Could you please recommend cards that are easy to obtain and can be effectively used during sale events.​
​
My cards:​
AU - XCITE ACE (Card under processing) Not sure if I'll get it​
​
Axis - ACE - 159000​
​
HDFC - Business Money back and Tata Nue Plus - 84000​
​
ICICI - Apay and Coral - 420000​
​
IDFC - Select - 200000​
​
Kotak - Urbane and Myntra - 74000 ​
​
South India bank - One card - 300000​
​
SBI - (My father has a card)​
​

Standard Chartered Not Available for my Pincode​

​
​
​
 
Last edited:
Apply For LTF AU LIT Credit Card
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DocFixIt said:
What happens in home verification
Click to expand...
3rd party agent came and took my pic, asked me to stand at the entrance of my house
Asked
- DOB
- Who all stays in my house
- From when I'm living in the house
- Few reference name of people who works with
Usually, agents call you before coming home, he came directly. In other threads people someone saidKotakk doesn't even give Phone number to those agents so if they couldn't locate your location, card gets rejected.
 
Hello experts,

Currently I hold HDFC DCP(LTF) and Tata neu Infinity (LTF). I would like to upgrade my DCP to Millennia LTF but grievance team offering Millennia as FYF only. Is it possible to convert it as LTF in future days like Tataneu cards by mailing grievance or escalation team? What are the chances? Is anybody converted paid Millennia card into LTF in recent days?

I like cash back cards compare to reward points based cards. The reason for my interest in this card are

1. Smartbuy 5% +1% direct cash back.

2. Double dip if there is a sale on Amazon/Flipkart for HDFC bank (10% discount + 5% cash back).

3. I think 1 lakh milestone for fee reversal can be achieved in current scenario but I like LTF cards.

4. 1% cash back for wallet loading and EMI transaction. (I have IDFC Wealth and Amazon pay ICCI card for wallet loading).

5. HDFC doesn't charge reward redemption fee for statement credit but they charge 99 Rs + GST for product purchase and voucher purchase. There is exemption for few on Diners reward portal.

Is it worth to convert LTF HDFC DCP to FYF Millennia card? I don't need International lounge access. I have many other cards for movie offers. Not a frequent flight traveller. I may get LTF Millennia if I close my existing HDFC cards based on my employer/salary account but I don't want to close my LTF Tata Neu infinity card.



My current card collection

SBI Cash back (Paid) and Simply click (LTF)

HDFC DCP (LTF) and Tata Neu Infinity (LTF)

Axis Ace (Paid), Indian oil (LTF) and My zone (LTF)

Amazon Pay ICICI (LTF), MMT and Coral Rupay (LTF)

Indusind Legend (LTF) and Easy diner Signature (LTF)

IDFC Wealth (LTF)

RBL Bajaj Super card (Every year fee reversal by retention team), Shoprite (LTF) and Paisabazaar duet (LTF)

Yes Select (LTF)

Please advise. Point out if anything written wrong. Welcome for your suggestions.
 
monika vega said:
I would like to acquire credit cards from various banks specifically to avail 10% instant discount during sales. Could you please recommend cards that are easy to obtain and can be effectively used during sale events.​
​
My cards:​
AU - XCITE ACE (Card under processing) Not sure if I'll get it​
​
Axis - ACE - 159000​
​
HDFC - Business Money back and Tata Nue Plus - 84000​
​
ICICI - Apay and Coral - 420000​
​
IDFC - Select - 200000​
​
Kotak - Urbane - 74000 (Myntra under processing)​
​
South India bank - One card - 300000​
​
SBI - (My father has a card)​
​

Standard Chartered Not Available for my Pincode​

​
​
​
Click to expand...
Sab card sahi hai but kotak ka to Flipkart or Amazon par sale me card offer aata hi nahi hai
 
monika vega said:
3rd party agent came and took my pic, asked me to stand at the entrance of my house
Asked
- DOB
- Who all stays in my house
- From when I'm living in the house
- Few reference name of people who works with
Usually, agents call you before coming home, he came directly. In other threads people someone saidKotakk doesn't even give Phone number to those agents so if they couldn't locate your location, card gets rejected.
Click to expand...
For me no kyc no verification ..
Due to kotak 811
 
Deepak_Shetty said:
Hello experts,

Currently I hold HDFC DCP(LTF) and Tata neu Infinity (LTF). I would like to upgrade my DCP to Millennia LTF but grievance team offering Millennia as FYF only. Is it possible to convert it as LTF in future days like Tataneu cards by mailing grievance or escalation team? What are the chances? Is anybody converted paid Millennia card into LTF in recent days?

I like cash back cards compare to reward points based cards. The reason for my interest in this card are

1. Smartbuy 5% +1% direct cash back.

2. Double dip if there is a sale on Amazon/Flipkart for HDFC bank (10% discount + 5% cash back).

3. I think 1 lakh milestone for fee reversal can be achieved in current scenario but I like LTF cards.

4. 1% cash back for wallet loading and EMI transaction. (I have IDFC Wealth and Amazon pay ICCI card for wallet loading).

5. HDFC doesn't charge reward redemption fee for statement credit but they charge 99 Rs + GST for product purchase and voucher purchase. There is exemption for few on Diners reward portal.

Is it worth to convert LTF HDFC DCP to FYF Millennia card? I don't need International lounge access. I have many other cards for movie offers. Not a frequent flight traveller. I may get LTF Millennia if I close my existing HDFC cards based on my employer/salary account but I don't want to close my LTF Tata Neu infinity card.



My current card collection

SBI Cash back (Paid) and Simply click (LTF)

HDFC DCP (LTF) and Tata Neu Infinity (LTF)

Axis Ace (Paid), Indian oil (LTF) and My zone (LTF)

Amazon Pay ICICI (LTF), MMT and Coral Rupay (LTF)

Indusind Legend (LTF) and Easy diner Signature (LTF)

IDFC Wealth (LTF)

RBL Bajaj Super card (Every year fee reversal by retention team), Shoprite (LTF) and Paisabazaar duet (LTF)

Yes Select (LTF)

Please advise. Point out if anything written wrong. Welcome for your suggestions.
Click to expand...
Millniea ltf is rarely. Take fyf .
1 lakh a year is nothing in Millniea cc spend ..
After 1- 1.5 year negotiate.
With good Spends..

Cashback card are not offered ltf but can be converted to ltf by negotiation after 1 year

Fyf is good deal on Millniea
 
Last edited:
monika vega said:
I would like to acquire credit cards from various banks specifically to avail 10% instant discount during sales. Could you please recommend cards that are easy to obtain and can be effectively used during sale events.​
​
My cards:​
AU - XCITE ACE (Card under processing) Not sure if I'll get it​
​
Axis - ACE - 159000​
​
HDFC - Business Money back and Tata Nue Plus - 84000​
​
ICICI - Apay and Coral - 420000​
​
IDFC - Select - 200000​
​
Kotak - Urbane - 74000 (Myntra under processing)​
​
South India bank - One card - 300000​
​
SBI - (My father has a card)​
​

Standard Chartered Not Available for my Pincode​

​
​
​
Click to expand...
If you want specifically for offers, here's what I'll recommend:

1. Federal Bank - imperio or celesta
2. AU- LIT
3. Axis- get a core axis cards, if you want LTF, go for myzone.
4. RBL - get any , use for sometime and close to make LTF. Keep only for offers.
5. Hsbc - visa platinum LTF
6. SBI card - simplyclick

Most of the banks above, offer a lot of discounts on many sites and it's good to hold one card of each.

Few recommendations from your existing portfolio:
1. Urbane- I would recommend enhancing your limit and upgrading to zen signature if possible. Kotak retention team can offer this LTF.

2. Hdfc- try and upgrade to millenia and tata neu infinity.

Haven't seen offers from indusind or SC, so can skip for now.
 
DocFixIt said:
For me no kyc no verification ..
Due to kotak 811
Click to expand...
I also have an 8year old 811 edge account. and 5 years old Kotak credit card.
I opened kotak account in collage so it has student in proffesion, so they might have came for office verification 🧐
 
monika vega said:
I also have an 8year old 811 edge account. and 5 years old Kotak credit card.
I opened kotak account in collage so it has student in proffesion, so they might have came for office verification 🧐
Click to expand...
Me too gave office address for first time but still it got through ..
 
the_collector said:
If you want specifically for offers, here's what I'll recommend:

1. Federal Bank - imperio or celesta
2. AU- LIT
3. Axis- get a core axis cards, if you want LTF, go for myzone.
4. RBL - get any , use for sometime and close to make LTF. Keep only for offers.
5. Hsbc - visa platinum LTF
6. SBI card - simplyclick

Most of the banks above, offer a lot of discounts on many sites and it's good to hold one card of each.

Few recommendations from your existing portfolio:
1. Urbane- I would recommend enhancing your limit and upgrading to zen signature if possible. Kotak retention team can offer this LTF.

2. Hdfc- try and upgrade to millenia and tata neu infinity.

Haven't seen offers from indusind or SC, so can skip for now.
Click to expand...
1. Federal - Will plan for it.
2. AU - Recently applied trough swipe up - AU Xcite ace in under approval
3. My axis ACE is working as core card during sales
4. RBL - I closed their card in 2022 from then they are not issuing new card 😅
5. HSBC - Will plan for it.
6. SBI - 2023 March they Offred Simply SAVE/Simply Click as LTF I didn't take and now they are not giving it as LTF 🙁
 
monika vega said:
1. Federal - Will plan for it.
2. AU - Recently applied trough swipe up - AU Xcite ace in under approval
3. My axis ACE is working as core card during sales
4. RBL - I closed their card in 2022 from then they are not issuing new card 😅
5. HSBC - Will plan for it.
6. SBI - 2023 March they Offred Simply SAVE/Simply Click as LTF I didn't take and now they are not giving it as LTF 🙁
Click to expand...
You plan for axis u get hdfc thats cc application is in nutshell.

I was expecting icici wealth management.
Got idfc future first today 😅
One fine day i went to get rbl aspire account
Got sbi bpcl card 😂😂
 
Since you seem to have bmost of the banks that provide the sale offers, there are only a few more to add, though you can get better cards from the banks you already have relations with.
Federal Bank, any core cards they issue, have lots of offers now sale or not.
BoB, Eterna, or anything LTF.
Anything LTF from Yes Bank.
 
DocFixIt said:
Close - hdfc both cards . If u have limit more than 100k in hdfc ( get Millniea) .
Kotak - try MYNTRA card
Axis - well with limit unknown ( u can get so many card - depend on your priority)

Sbi - Cashback card, Bpcl normal rupay(50k ) or IRCTC card ( low fees reversal criteria).

Yes bank - finboster/ whatever they offer ltf

Rbl - safari

If u can show old credit cards + income documents+ your social media profile+ home property paper+ birth certificate issued at moment of birth ..
Then i highly recommend BOB eterna '& Snapdeal

Plus u have to wait for 1-2 month for approval
Click to expand...
After seeing this legendary reply, I will never try to get a bob card.
 
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