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.

 

[moneynerd]

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.

out of your 15k spends, if utilities are your major expense go for axis ace card (ltf i guess)
if your major expense is travel or shopping, this new unheard of card -federal amplifi
good option but annual fee is 2k so take it for a year and try
also icici cards can be good for shopping and entertainment + they're free too (except coral)

 

[Vasuki]

out of your 15k spends, if utilities are your major expense go for axis ace card (ltf i guess)
if your major expense is travel or shopping, this new unheard of card -federal amplifi
good option but annual fee is 2k so take it for a year and try
also icici cards can be good for shopping and entertainment + they're free too (except coral)

Rarely saw someone recommendation of icici for daily spends

 

[SpiesCan'tCatchMe]

Rarely saw someone recommendation of icici for daily spends

Icici cards are only good for bank specific offers. They dont even give 0.5% as base reward rate for normal spends

 

[RAMESH BABU N]

Icici cards are only good for bank specific offers. They dont even give 0.5% as base reward rate for normal spends

Refer to the title of this thread. A beginner card must be easy to get, widely accepted n easy to use. Focus on true credit, eliminating the need to carry cash and convenience. Preferably LTF. Available in most of the places - serviceable towns.

Rewards, cash backs, air miles, free tickets, upgrades..... can wait and the beginner will - anyway - go after these within a year or two.

 

[Vasuki]

Icici cards are only good for bank specific offers. They dont even give 0.5% as base reward rate for normal spends

True true .. before this payback points were little good ..now its shit

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.

GO FOR KOTAK FD CARD .. JUST KEEP IN MIND OPEN 811 account with a good address even your friends.. as communication address ..
In 1 year u will receive both limit increase on fd based card + other pre approved card / card upgrade ..if the pincode is service area.


For other cards non fd based ..
FLIPKART FROM AXIS
HDFC ACCOUNT ( GOOD TRANSACTION LEADS TO CC OFFER )
PAYTM MIGHT OFFER YOU SBI / HDFC CARD PRE APPROVED

 

[devilbingo]

Refer to the title of this thread. A beginner card must be easy to get, widely accepted n easy to use. Focus on true credit, eliminating the need to carry cash and convenience. Preferably LTF. Available in most of the places - serviceable towns.

Rewards, cash backs, air miles, free tickets, upgrades..... can wait and the beginner will - anyway - go after these within a year or two.

Correct, you have identified the use case perfectly 😄