Suggest me Credit card LTF (existing cc holder with 1L limit from ICICI)

[boomboom]

I am student. No income proof. More than 1.5 year cc journey.
Holding ICICI Apay , ICICI Coral Rupay: all 1L limit LTF (got 1L LE few days ago)
Need good cc (preferably LTF or can convert to LTF later) for bank discounts & cashbacks.
Which cc should I apply next for easy approval without verification & income docs?
Also What to write in job/office?
Need your valuable opinions 🙏

 

[helloworld]

IMO, honestly stick with the current card until you start earning. Credit cards not for someone without income, it leads to dangerous complications in life and unnecessarily ruin your credit score when you need more (after start earning)..



still want... but dont, think again.

Thread 'Unlocking Credit Card: Credit Cards for Low or No Income Proof'

Sep 29, 2022

Assume: Person has CIBIL score of 750 above instead of NA (either by taking some loan, secured credit card etc. options will generated credit score).

Options (unsecured cards without bank accounts):

- Onecard
- Axis Airtel
- HDFC Moneyback+/Freedom
- SBI SimplyClick/SimplySave
- ICICI Platinum

Based on shopping apps:

- ICICI AmazonPay
- Axis Flipkart
- HDFC Swiggy
- Kotak Myntra (*Currently not available for new)

Note: Above cards might get declined due to various 'internal policy' factors but approval chances are very high and worked for many users.

Incase already...

• helloworld
• Replies: 5
• Forum: Credit Card - General

• 

 

[boomboom]

IMO, honestly stick with the current card until you start earning. Credit cards not for someone without income, it leads to dangerous complications in life and unnecessarily ruin your credit score when you need more (after start earning)..



still want... but dont, think again.

Thread 'Unlocking Credit Card: Credit Cards for Low or No Income Proof'

Sep 29, 2022

Assume: Person has CIBIL score of 750 above instead of NA (either by taking some loan, secured credit card etc. options will generated credit score).

Options (unsecured cards without bank accounts):

- Onecard
- Axis Airtel
- HDFC Moneyback+/Freedom
- SBI SimplyClick/SimplySave
- ICICI Platinum

Based on shopping apps:

- ICICI AmazonPay
- Axis Flipkart
- HDFC Swiggy
- Kotak Myntra (*Currently not available for new)

Note: Above cards might get declined due to various 'internal policy' factors but approval chances are very high and worked for many users.

Incase already...

• helloworld
• Replies: 5
• Forum: Credit Card - General

• 

Ok. I am already earning by teaching students. Also will file 4.5L ITR this year for income only from stk market. But I think income from stocks are not eligible for cc application. My problem is that I can't put a fake job or office address as it will be illegal if they do physical verification. So trying to avoid physical verification of office & home.
Thanks for your concern . I actually don't overspend. Usually use credit cards for family spends. I Will check out the cards you recommended.