Suggestion needed on my First HDFC Credit Card - Query

[Shubhankar23]

Hello

I (26M) am new to the community and have a question.
I want an HDFC credit card (Not Freedom or Moneyback Plus). For that, I opened a regular savings account in October and then converted it into a Savings max account.
I have not received any pre-approved offer yet.
Should I apply for it or wait for pre-approved?

I have the following credit cards

1. SBI IRCTC (since 4 years but Rs 10K Limit).
2. AIRTEL AXIS (2.5 Months, 1.46L limit)
3. AMAZON PAY ICICI (1.5 Months, 1.2L limit)
4. ICICI CORAL (0.5 Months, Limit shared with APAY)

I have a Credit score of 782 and a credit age of 4 years 11 Months.

Please Let me know if I should wait or Apply for an HDFC Credit card.

 

[sidpsidp is verified member.]

You should change the thread name for better reach. May be something like-
Need suggestion for my first hdfc credit card.

My suggestion
1. Get core card as first hdfc cc. If you get cobranded card as first card, you might face difficulties getting an core card later.
2. Recommendations would depend on income and usage pattern, both of which are missing.
C2c wont be useful as sbi cc has low cl and hdfc doesn't give much value of icici cl. So most likely you would have to wait for preapproved offer to get a decent hdfc core cc.

 

[Shubhankar23]

You should change the thread name for better reach. May be something like-
Need suggestion for my first hdfc credit card.

My suggestion
1. Get core card as first hdfc cc. If you get cobranded card as first card, you might face difficulties getting an core card later.
2. Recommendations would depend on income and usage pattern, both of which are missing.
C2c wont be useful as sbi cc has low cl and hdfc doesn't give much value of icici cl. So most likely you would have to wait for preapproved offer to get a decent hdfc core cc.

Ohh... I will wait then.
And they will not give credit cards based on Airtel Axis?
Can you please tell me what the usage pattern is?

 

[sidpsidp is verified member.]

Ohh... I will wait then.
And they will not give credit cards based on Airtel Axis?
Can you please tell me what the usage pattern is?

No. C2c works on 1year old cards. Some issuers accepts 6month old card. No one will accept card with less than 6month repayment history.