Should I apply for 4th CC?

[suryakamalog]

I have three CC

1. Amazon ICICI - 4.2L limit
2. Axis Flipkart - 1.2L Limit
3. HSBC - 40K Limit

Should I apply for 4th CC, I don't have any major requirement other than getting more airport lounges(because right now i have only 4 lounges in a year with ICICI one and none with others)? Would it affect my credit score or anything?

Lastly which CCs I should apply to if i should? I have just checked about Indusind Legend which i am getting LTF.

 

[PANK]

Idfc select is also good option
Yes 1 enquiry on cibil

 

[anirban.choudhuryanirban.choudhury is verified member.]

IndusInd legend get it if it’s ltf
Idfc select
And take PNB Rupay Select

 

[Chaitanya-a]

(because right now i have only 4 lounges in a year with ICICI one and none with others)?

Let me correct you: You're getting 4 lounge access in a year with Axis Flipkart not ICICI Amazon Card.

 

[panu24]

I don't think ICICI Amazon Pay gives any lounge access

 

[PANK]

I think idfc select has better reward system
Movie offer
Railway and airport 16 total

Legend is usually offer if your salary above 80k as lft

Rupay has some target for annual fees waver

 

[sv004]

Have atleast 1 card from sbi n hdfc

 

[suryakamalog]

Let me correct you: You're getting 4 lounge access in a year with Axis Flipkart not ICICI Amazon Card.

sorry i mistyped

 

[suryakamalog]

Idfc select is also good option
Yes 1 enquiry on cibil

when i go through IDFC website they offer me millenia and FIRST classic which I think are pointless

 

[suryakamalog]

IndusInd legend get it if it’s ltf
Idfc select
And take PNB Rupay Select

What would be the best way to apply for PNB Rupay Select

 

[anirban.choudhuryanirban.choudhury is verified member.]

What would be the best way to apply for PNB Rupay Select

Apply online , its better than applying in branch

Fill out the form , do video kyc and submit fee documents , you are good to go

 

[Chaitanya-a]

when i go through IDFC website they offer me millenia and FIRST classic which I think are pointless

Try opening IDFC First bank account and enroll in their Select membership program by talking to your RM and depositing 2L or more. That way you'll get good Debit card and will get the pre approved offer for Select CC as well in few months. Both have Airport lounge access. You can take out maximum money after getting enrolled in Select program.

Also you can take Niyo Global card. It is lifetime free. You just need to have passport to open the account. You'll get 4 lounge access per year plus Visa Signature Debit Card.

 

[Tosh]

Try opening IDFC First bank account and enroll in their Select membership program by talking to your RM and depositing 2L or more. That way you'll get good Debit card and will get the pre approved offer for Select CC as well in few months. Both have Airport lounge access. You can take out maximum money after getting enrolled in Select program.

Also you can take Niyo Global card. It is lifetime free. You just need to have passport to open the account. You'll get 4 lounge access per year plus Visa Signature Debit Card.

Select debit card has 2 per quarter and you can bring in a companion too.