Suggest me next credit card with 802 Cibil

[kunal89]

I'm looking for a genuine suggestion on my next credit card from this community
My Cibil - 802
Banks and cards missing in my portfolio -
Yes Bank
BOB
Amex
HSBC
Any PSU back except SBI
Any Rupay Credit card for UPI on credit
Any super premium card except SC Ultimate
I'm looking for a card or two only for promotion based offer in online and UPI transaction through rupay. I'm less likely to pay fees for this card hunt (Only if I get value back) as I'm not a high spender.

Please suggest me some good cards along application process. Upgrade suggestions are also welcome.

 

[AlgoTrader]

Amex MRCC, must have if you can use it for 20K per month - 4% returns and amex offers

In case you wanna apply for amex, here is referral link: https://americanexpress.com/en-in/referral/rAMESrgxR7?XL=MNMNS

 

[amit]

rupay upi-tata neu

 

[kunal89]

rupay upi-tata neu

I'm getting paid offer, not LTF. 1500 is too expensive just for UPI

 

[saucy]

I'm getting paid offer, not LTF. 1500 is too expensive just for UPI

If you have other hdfc cards (hopefully the Alumni offered cards) you can get it LTF/ask for ltf.

AMEX - MRCC should be a good addition.
BOB Eterna, if you can get ltf
PSU - PNB

 

[netsec]

I would suggest you to get Amex Platinum Travel Credit Card. If you can spend 4Lac in an year, you would get 42k bonus points and 10k taj gift voucher which is best value back.

Here is my referral link, if you apply using the link then you will get the card as FYF and 2k additional bonus points.

Amex Platinum Travel Credit Card - https://tinyurl.com/Amex-PlatT

 

[kunal89]

If you have other hdfc cards (hopefully the Alumni offered cards) you can get it LTF/ask for ltf.

AMEX - MRCC should be a good addition.
BOB Eterna, if you can get ltf
PSU - PNB

Any idea about Eterna application and approval probability? Normal online application should do?

 

[saucy]

It should - have applied a week ago. No response yet. You may offline if possible and let me know 😛

 

[deepcards]

Amex Platinum Charge bro.. nothing less.

 

[kunal89]

I've applied and received Amex MRCC. Also applied PNB rupay select, VKYC is too slow and still pending.

 

[Seth]

I've applied and received Amex MRCC. Also applied PNB rupay select, VKYC is too slow and still pending.

Amex approves on card to card for self employed?
And which PNB rupay to choose for ltf?

 

[kunal89]

Amex approves on card to card for self employed?
And which PNB rupay to choose for ltf?

No income proof or C2C, only based on cibil it was approved immediately
PNB Rupay select has only joining fee, patanjali has no joining fee.

 

[shsinha]

cibil is one part, but many cards has min ITR/salary limit.
1. PNB Rupay select for UPI, and almost ltf (one transaction per quarter required, no limit)
2. Tata neu infinity rupay is good. check tata neu app.
3. AMEX plat travel if you can spend 4 Lakhs/year (10% returns). MRCC/gold is good too, but all amex are paid.
4. If you are not high spender, don't worry about super premium card.

 

[kunal89]

cibil is one part, but many cards has min ITR/salary limit.
1. PNB Rupay select for UPI, and almost ltf (one transaction per quarter required, no limit)
2. Tata neu infinity rupay is good. check tata neu app.
3. AMEX plat travel if you can spend 4 Lakhs/year (10% returns). MRCC/gold is good too, but all amex are paid.
4. If you are not high spender, don't worry about super premium card.

PnB and Amex done. Tata nue is useless if it is paid, not getting LTF since long. You are right about super premium.

 

[shsinha]

PnB and Amex done. Tata nue is useless if it is paid, not getting LTF since long. You are right about super premium.

I got tata neu infinity LTF through IPL league tata neu competetion..

 

[Seth]

No income proof or C2C, only based on cibil it was approved immediately
PNB Rupay select has only joining fee, patanjali has no joining fee.

Got it Thanks 👍