Top 10 WORST cards in India

[drsel]

Requesting all experts to give their views and opinions of the top 10 WORST credit cards in India which are designed to bait gullible customers.
eg. Cards which give very low returns on spends
OR
have high charges and fees including joining fee, renewal fee, forex markup, etc; without proportional returns
Thanks 🙏

 

[COSMOCRAT]

How did you apply from non Airtel number? Can you login to Airtel app using non Airtel number?

Via app only. When I applied last year, it asked for PAN then number (edit it here), mail ID then income details then home address.

Edit: Forgot to mention the other number was also airtel but was not in use for a while.

 

[minhazuddin]

PVR Kotak no.1 worst from my list 🤣

You stole my words bro. Trust me even when they hv given me limit in lacs, all the limit is unused most of the time. I mean why would I use it when all I get is 2 PVR tickets. Spend 15K or 150K, you just get 2 PVR tickets as the return.

 

[minhazuddin]

Axis airtel. Gives lots of cashback. I'm running out of space at home to keep all the cashbacks. 😡

You can rent a locker by applying IndusInd Pinnacle card and get the IndusInd Exclusive Account with 0 maintenance and first year free locker. Use the locker to keep all the cashbacks nd thank me later.

 

[cardio_guy]

ICICI Coral Rupay.

 

[sharma]

It'll be standard chartered for me.
I hardly used this card, since it is ltf i kept it.
And then hsbc platinum, but this I'll be using for bms atleast

 

[darthvader1]

are, I want that card but not able to get that. have atleast 3 prepaid + 1 broadband of airtel

Try via the Airtel app. I got it within a couple of days after applying via the app, although I’d only 1 postpaid connection.

 

[COSMOCRAT]

You can rent a locker by applying IndusInd Pinnacle card and get the IndusInd Exclusive Account with 0 maintenance and first year free locker. Use the locker to keep all the cashbacks nd thank me later.

Do they also provide beds? I prefer sleeping on my cashbacks, just to be safe.

 

[HumorSimpson]

Do they also provide beds? I prefer sleeping on my cashbacks, just to be safe.

you can ..

 

[minhazuddin]

Do they also provide beds? I prefer sleeping on my cashbacks, just to be safe.

You can apply for Amex Platinum Travel and transfer the Welcome Benefit Reward points to ITC with ratio 1:2 and then from ITC to Marriott at 2:3 ratio then book at budget Marriott hotel nd carry your cashbacks by calling the Pinnacle concerige services and enjoy sleeping on your cashbacks.

 

[COSMOCRAT]

You can apply for Amex Platinum Travel and transfer the Welcome Benefit Reward points to ITC with ratio 1:2 and then from ITC to Marriott at 2:3 ratio then book at budget Marriott hotel nd carry your cashbacks by calling the Pinnacle concerige services.

 

[D7162]

Try via the Airtel app. I got it within a couple of days after applying via the app, although I’d only 1 postpaid connection.

Airtel app vala 1 saal se 5 min bol rha hai..

 

[drsel]

You can apply for Amex Platinum Travel and transfer the Welcome Benefit Reward points to ITC with ratio 1:2 and then from ITC to Marriott at 2:3 ratio then book at budget Marriott hotel nd carry your cashbacks by calling the Pinnacle concerige services and enjoy sleeping on your cashbacks.

4 Amex = 2 ITC points
2 ITC = 3 Marriott points
So, 4 Amex = 3 Marriott.

This is a bad deal because Amex points are worth around 39 paisa and Marriott points are worth around 35 paisa

 

[minhazuddin]

4 Amex = 2 ITC points
2 ITC = 3 Marriott points
So, 4 Amex = 3 Marriott.

This is a bad deal because Amex points are worth around 39 paisa and Marriott points are worth around 35 paisa

Then Axis Atlas would do better.

 

[drsel]

Then Axis Atlas would do better.

Magnus Burgundy, Infinia and Atlas are the top three cards in India right now.
If you have even 2 of these 3, you don't need any Amex card.
Of course all these cards are for people who travel and need flights and hotels

 

[drsel]

If you don't travel at all and you don't need any flights or hotels, then apply for SBI cashback card and Axis Airtel card on the Airtel app

 

[minhazuddin]

Magnus Burgundy, Infinia and Atlas are the top three cards in India right now.
If you have even 2 of these 3, you don't need any Amex card.
Of course all these cards are for people who travel and need flights and hotels

Atlas or Infinia ? which should be the primary card for travelers.

 

[drsel]

Atlas or Infinia ? which should be the primary card for travelers.

Infinia is very difficult to get
you need at least 42 lakhs income tax return or you need an existing HDFC card with 8 lacs limit and spends of 7.5 lakhs in the last 6 months.

so better to apply for atlas

 

[minhazuddin]

Infinia is very difficult to get
you need at least 42 lakhs income tax return or you need an existing HDFC card with 8 lacs limit and spends of 7.5 lakhs in the last 6 months.

so better to apply for atlas

I hv Atlas but I was looking for one of HDFC super premium cards and DCB nd Infinia were the front runner

 

[makman]

All Indusind 'super premium' cards with 2L fees should top the list of worst cards

 

[akshayhs]

Axis airtel. Gives lots of cashback. I'm running out of space at home to keep all the cashbacks. 😡