Suggest Some Credit Card - 19 Years Old

[misterinusual]

Hello Everyone,
I am a 19 year old college student looking to find some good credit cards.
I got one card against FD of 7,000 rupees and been using it for 14 months. Made timely payments and improved my credit score.
My CIBIL score is 779 and my Experian score is 836.
I applied for Flipkart Pay Later and got 10,000 limit. After that I also applied for the Flipkart Axis bank credit card in July 2023 and got it with a limit of 15,000.
But after reading some posts here I closed the Flipkart pay later and I applied for the Axis bank Indian oil Rupay card and got rejected.
I have about 9 credit enquiries according to CIBIL. Is this bad how many credit cards can I apply for in a year?
Please suggest some good credit cards for me. I get about 10K every month from my father for expenses in college that is all the Income I get🥲 .
My One card is 14 months old and my Flipkart Axis bank card is 5 months Old.
I also have an addon SBI simply click card with a limit of 110,000 this card is addon to my father's primary card.

 

[Tejo]

Hello Everyone,
I am a 19 year old college student looking to find some good credit cards.
I got one card against FD of 7,000 rupees and been using it for 14 months. Made timely payments and improved my credit score.
My CIBIL score is 779 and my Experian score is 836.
I applied for Flipkart Pay Later and got 10,000 limit. After that I also applied for the Flipkart Axis bank credit card in July 2023 and got it with a limit of 15,000.
But after reading some posts here I closed the Flipkart pay later and I applied for the Axis bank Indian oil Rupay card and got rejected.
I have about 9 credit enquiries according to CIBIL. Is this bad how many credit cards can I apply for in a year?
Please suggest some good credit cards for me. I get about 10K every month from my father for expenses in college that is all the Income I get🥲 .
My One card is 14 months old and my Flipkart Axis bank card is 5 months Old.
I also have an addon SBI simply click card with a limit of 110,000 this card is addon to my father's primary card.

Get Axis ac, just fulfill average monthly balance requirment ..... they will increase your limit
-- easy ac - 10k
-- liberty ac - 25k (recommended)

Get HDFC Digi youth ac, you might get preapproved cc offer.
-- 5k

Get icici ac or icici secured card (recommended) or both
-- apply amazon pay card

Kotak too giving for teens but you need to be atleast 1 yr old existing customer.

Idfc, rbl, yesbank, indus can be applied on c2c if you have 75k on existing 8months+ old credit card

 

[misterinusual]

Get Axis ac, just fulfill average monthly balance requirment ..... they will increase your limit
-- easy ac - 10k
-- liberty ac - 25k (recommended)

Get HDFC Digi youth ac, you might get preapproved cc offer.
-- 5k

Get icici ac or icici secured card (recommended) or both
-- apply amazon pay card

Kotak too giving for teens but you need to be atleast 1 yr old existing customer.

Idfc, rbl, yesbank, indus can be applied on c2c if you have 75k on existing 8months+ old credit card

Thank You Very much for your suggestion I am currently using the Kotak 811 (14 months old) zero balance account and the average monthly balance is 7,200 I tried applying for the kotak league credit card but got declined. Is it better to switch my savings account to Axis or ICICI or stay with Kotak. Any Cards that I can apply for right now?

 

[Avatar Aang]

Personal opinion: Don't bother about credit cards right now. Use your time to actively learn/ acquire new skills.
Once you start earning good you will slowly get the best of the credit cards.

 

[Tejo]

Thank You Very much for your suggestion I am currently using the Kotak 811 (14 months old) zero balance account and the average monthly balance is 7,200 I tried applying for the kotak league credit card but got declined. Is it better to switch my savings account to Axis or ICICI or stay with Kotak. Any Cards that I can apply for right now?

kotakmahindrabank.creditcards@kotak.com
Ask reason for application rejection

Just use kotak debit card they will give pre-approved offer.

Icici don't give if you don't have other cards or income*

You should have atleast 25k in ac to get pre-approved offer in axis.

Just maintain kotak and hdfc && do debit carx txns, you will get pre-apprpved offer else apply when you don't have enquiry in last 6 months*

 

[s4more]

Great OP that you have started to build your credit history this early. Dont focus to much on getting too many cards. Just use 1 or 2 cards and slowly build your credit profile.

 

[misterinusual]

Great OP that you have started to build your credit history this early. Dont focus to much on getting too many cards. Just use 1 or 2 cards and slowly build your credit profile.

Sure I will keep on building my credit profile till I get a good source of income and will start applying for Cards afer that.

 

[misterinusual]

kotakmahindrabank.creditcards@kotak.com
Ask reason for application rejection

Just use kotak debit card they will give pre-approved offer.

Icici don't give if you don't have other cards or income*

You should have atleast 25k in ac to get pre-approved offer in axis.

Just maintain kotak and hdfc && do debit carx txns, you will get pre-apprpved offer else apply when you don't have enquiry in last 6 months*

Thank You, Okay I will keep using kotak and make debit card transactions.