Suggest me a Credit Card -19-Year-Old, Self Employed

[PRIYANSHU_]

My brother is currently 19 years old, self-employed (ITR Form-4 of 5lakhs).

Which Credit Card should he apply.

Bank accounts - Fi, IndusInd (cc application rejected)
CIBIL - 770 (1 Year+ credit history)
Secured CC - OneCard

 

[aayusharyan]

My thoughts,
That young might be a bit difficult to get an Unsecured CC. Even if one were to get, it will be with pretty low Credit Limit.
Look into options for Secured Credit Cards, that can help in building Credit Score as well.

 

[PRIYANSHU_]

My thoughts,
That young might be a bit difficult to get an Unsecured CC. Even if one were to get, it will be with pretty low Credit Limit.
Look into options for Secured Credit Cards, that can help in building Credit Score as well.

He is Already Having OneCard

 

[aayusharyan]

He is Already Having OneCard

They maybe lower end variants of ICICI, like Platinum CC or APay.
But since your brother already has Fi account, try Federal CC. You might be able to take advantage of this (https://www.technofino.in/community...ht-be-able-to-get-federal-bank-core-cc.19341/)

 

[AritraSaha]

My brother is currently 19 years old, self-employed (ITR Form-4 of 5lakhs).

Which Credit Card should he apply.

Bank accounts - Fi, IndusInd (cc application rejected)
CIBIL - 770 (1 Year+ credit history)
Secured CC - OneCard

Can get a pre approved cc by hdfc,axis,kotak.(if you have there account).

Also can apply for AMEX card.

 

[AritraSaha]

They maybe lower end variants of ICICI, like Platinum CC or APay.
But since your brother already has Fi account, try Federal CC. You might be able to take advantage of this (https://www.technofino.in/community...ht-be-able-to-get-federal-bank-core-cc.19341/)

Apay is 21+😀

 

[aayusharyan]

Can get a pre approved cc by hdfc,axis,kotak.(if you have there account).

Also can apply for AMEX card.

Yeah, OP's bro should have 1 account in a Full Service bank at least.

 

[aayusharyan]

Apay is 21+😀

Ohh, then ICICI Platinum.

 

[shrewdoc]

Ohh, then ICICI Platinum.

Platinum is a hard to come by card for NH/New to CIBIL customers. He can try HDFC cards with age limit 18 years.

 

[AritraSaha]

Platinum is a hard to come by card for NH/New to CIBIL customers. He can try HDFC cards with age limit 18 years.

Hdfc is very good at giving cc.. but don't take the Moneyback+😁

 

[aayusharyan]

How about IDFC First. They have their lower variants which don't have high requirement for ITR I believe.
Also, maybe Axis Neo.

 

[aayusharyan]

Platinum is a hard to come by card for NH/New to CIBIL customers. He can try HDFC cards with age limit 18 years.

Yeah, but OP's bro has 1 year of Credit History. I think can try.

 

[aayusharyan]

IDFC Millennia with can be got with annual income of 3L. (https://www.idfcfirstbank.com/credit-card/millennia). So, maybe OP's bro will be able to get better variant. 🤔

 

[PRIYANSHU_]

What are the chances of getting AMEX MRCC

 

[aayusharyan]

What are the chances of getting AMEX MRCC

AmEx I would recommend, go through an Agent. They know what to fill in the forms too get your application approved.

 

[shrewdoc]

What are the chances of getting AMEX MRCC

Con tact @BestBanker

 

[PRIYANSHU_]

tata neu infinity??

 

[aayusharyan]

tata neu infinity??

I don't think that's LTF though. 🤔 is it?

 

[PRIYANSHU_]

I don't think that's LTF though. 🤔 is it?

FYF
will request to make it LTF then.

 

[RishiKiDev]

FYF
will request to make it LTF then.

They're not taking request for LTF nowadays.
Earlier thok ke bhav mein LTF mil rha tha.