Suggest a beginner credit card

[devilbingo]

What credit card should I get next? I am fairly new to credit cards, I just hold 1 card which is an FD based wow credit card. My current CIBIL score is 769. If I can get only 1 card, which one you guys suggest I should get? I don't spend very much using cards, hardly I'll have 15k spends per month, sometimes more depending on a big purchase. Also if it's relevant, I recently had 3 enquiries on my CIBIL as I had to take a business loan.

 

[Mr. Bean]

Choosing the right card depends entirely on how you use it.

For people who purchase a lot on Amazon, Amazon Pay ICICI CC is best. For Flipkart fans, there is an Axis variant. For Airtel enthusiasts, there is a card for them. So, choose one based on your lifestyle. Otherwise, you will regret taking the wrong one, particularly if it has yearly fee. You can rarely go wrong with LTF cards, though.

 

[Vasuki]

What credit card should I get next? I am fairly new to credit cards, I just hold 1 card which is an FD based wow credit card. My current CIBIL score is 769. If I can get only 1 card, which one you guys suggest I should get? I don't spend very much using cards, hardly I'll have 15k spends per month, sometimes more depending on a big purchase. Also if it's relevant, I recently had 3 enquiries on my CIBIL as I had to take a business loan.

Take any card .. whats your bank profile.....

 

[Sathishmani]

Axis Ace - 5% for utility payments using Gpay and 2% Cashback for offline spends
SBI Cashback - 5% for online spends and 1% for offline
Amazon ICICI - 5% for Amazon transactions and 1% for others
Axis Airtel - 25% for Airtel networks and 10% for other bills
HDFC Tata Neu Rupay- 5% for Tata Neu transactions and best for UPI transactions

In my view, these are best cards for regular uses in terms of LTF/Low annual fees

 

[devilbingo]

Take any card .. whats your bank profile.....

What do you mean by bank profile?

 

[SpiesCan'tCatchMe]

Close your eyes and go for amazon for now

 

[devilbingo]

Close your eyes and go for amazon for now

As it is a co branded card, will I have any difficulties in getting a primary ICICI card in future, if this will be my first card?

 

[simplegarv]

As it is a co branded card, will I have any difficulties in getting a primary ICICI card in future, if this will be my first card?

None, you can easily get other cards on Split Limit Basis.

 

[Dinnong]

As it is a co branded card, will I have any difficulties in getting a primary ICICI card in future, if this will be my first card?

No, you will get primary card easily.

 

[devilbingo]

None, you can easily get other cards on Split Limit Basis.

Great!
Also, is the 5% cashback applicable on gift cards bought through amazon?

 

[simplegarv]

What credit card should I get next? I am fairly new to credit cards, I just hold 1 card which is an FD based wow credit card. My current CIBIL score is 769. If I can get only 1 card, which one you guys suggest I should get? I don't spend very much using cards, hardly I'll have 15k spends per month, sometimes more depending on a big purchase. Also if it's relevant, I recently had 3 enquiries on my CIBIL as I had to take a business loan.

May I ask in which bank do you have your bank account and how much balance you maintain?

Do also tell me what's the size of your FD Card & which bank?

 

[Abhay Chauhan]

Axis Ace - 5% for utility payments using Gpay and 2% Cashback for offline spends
SBI Cashback - 5% for online spends and 1% for offline
Amazon ICICI - 5% for Amazon transactions and 1% for others
Axis Airtel - 25% for Airtel networks and 10% for other bills
HDFC Tata Neu Rupay- 5% for Tata Neu transactions and best for UPI transactions

In my view, these are best cards for regular uses in terms of LTF/Low annual fees

Axis Ace 😅 is it even exists…
I am tired of applying for this card tried once from Google pay but rejected and then didn’t find any other option to apply…

Can you help in applying for it?

 

[sahildca]

As it is a co branded card, will I have any difficulties in getting a primary ICICI card in future, if this will be my first card?

aysa core aur co branded + LE me chindigiri ka drama (HDFC chennai waala) krta hai bhai
Tata Neu le lie pahle tb hdfc ka core card nhi dete hai.

icici ka jitta cards lena hai lou aur limit v icici dil kholke deta hai.


(HDFC chennai waala) : kch v update krna hoga future me tb inke chennia office physical documents bhejo, aajke digital age me v paper aur courier ka drama krwaate hai.

 

[Sathishmani]

Axis Ace 😅 is it even exists…
I am tired of applying for this card tried once from Google pay but rejected and then didn’t find any other option to apply…

Can you help in applying for it?

Try offline.. Otherwise get other card from Axis. After sometime, you will get pre approved offer

 

[vijay.vj]

As it is a co branded card, will I have any difficulties in getting a primary ICICI card in future, if this will be my first card?

My first card in icici is also apay, now I have sapphiro LTF, rubyx LTF... they are offering every damm card.

ICICI is not HDFC

 

[Vasuki]

Close your eyes and go for amazon for now

Bhai .why so many people on this forum says getting Amazon card is ezy ..
Here is me getting rejected twice in a row ..
What m i doing wrong

 

[vijay.vj]

Try offline.. Otherwise get other card from Axis. After sometime, you will get pre approved offer

Is it possible to apply for ACE offline? bank guys its only possible via gpay or pre-approved.

 

[sahildca]

Axis Ace 😅 is it even exists…
I am tired of applying for this card tried once from Google pay but rejected and then didn’t find any other option to apply…

Can you help in applying for it?

apply only after 90 days cooldown period for online.
otherwise axis will straight reject application.

you can check it in axis app preapproved offer. axis give ace to most of people in recent 15 days, i also got ace through axis app preapproved offer few days ago and recently my gpay also show ace offer

kisi ko dete nhi hai ace aur jisko de dia usko again 2 times offer kar rahe , axis baba ki jai 🙏

 

[SpiesCan'tCatchMe]

Bhai .why so many people on this forum says getting Amazon card is ezy ..
Here is me getting rejected twice in a row ..
What m i doing wrong

I can help you

 

[Sathishmani]

Is it possible to apply for ACE offline? bank guys its only possible via gpay or pre-approved.

I remembered that I was applied thru agent only when it was launched. Not sure abt now. You jzt try or apply other cards. You will get pre approved offers of Ace after 1 month. This is what I am seeing with my Wife Airtel Axis card. Now she's getting Ace as Pre approved.