which Credit cards are easy to get for Self Employed ?(4-6Lac ITR)

[technogurpreet]

Have Been rejected for HDFC swiggy recently and saw in some posts that self employed with same home/office address might be the reason.

So was wondering which cards/issuers can a self employed with 4-6Lac ITR, same home/office address can apply for with low or no Chances of rejection?

Thank you for your help
Regards

 

[vine]

You can try HDFC Bank BizGrow and BizPower

 

[technogurpreet]

You can try HDFC Bank BizGrow and BizPower

thanks will check them out
i have an prequalified offer/options between BizGrow Visa/Rupay, or BizFirst Rupay , which would be the better option?

 

[Cosmicgaze]

thanks will check them out
i have an prequalified offer/options between BizGrow Visa/Rupay, or BizFirst Rupay , which would be the better option? View attachment 70954

Take the visa

You can get a floater Rupay card later

However since it’s pre qualified and not approved. It may not get approved if does not meet their criteria.

I have kotak card. My office and home address as well as number is the same.
The customer care helped me with this.

You can try for icici Amazon pay as well

 

[technogurpreet]

Take the visa

You can get a floater Rupay card later

However since it’s pre qualified and not approved. It may not get approved if does not meet their criteria.

I have kotak card. My office and home address as well as number is the same.
The customer care helped me with this.

You can try for icici Amazon pay as well

appreciate the suggestion.

do have an ICICI Apay with a reasonable limit, use swiggy quite a lot so applied for hfdc swiggy card initially. Since it was suggested in several posts here to get a core hdfc card instead of cobranded first so was checking my options

these cards show up when i use the following form to check

https://applyonline.hdfcbank.com/cards/credit-cards.html#nbb

it did not seem they are preapproved rather prequalified
but feel free to correct me if i assumed wrong

thanks

 

[pradeepG]

Have Been rejected for HDFC swiggy recently and saw in some posts that self employed with same home/office address might be the reason.

So was wondering which cards/issuers can a self employed with 4-6Lac ITR, same home/office address can apply for with low or no Chances of rejection?

Thank you for your help
Regards

Try HDFC giga card, if same address home & office is an issue, because as per my knowledge this card is made for scenarios like these and high chance that HDFC wont reject this for you...

 

[Cosmicgaze]

appreciate the suggestion.

do have an ICICI Apay with a reasonable limit, use swiggy quite a lot so applied for hfdc swiggy card initially. Since it was suggested in several posts here to get a core hdfc card instead of cobranded first so was checking my options

these cards show up when i use the following form to check

https://applyonline.hdfcbank.com/cards/credit-cards.html#nbb

it did not seem they are preapproved rather prequalified
but feel free to correct me if i assumed wrong

thanks

If preappproved they would have shown the limit as well, you can try and see if you get the card.
If you have a good relation with hdfc it should be easier. Or try applying via an agent at the bank branch

 

[Beyond]

Have Been rejected for HDFC swiggy recently and saw in some posts that self employed with same home/office address might be the reason.

So was wondering which cards/issuers can a self employed with 4-6Lac ITR, same home/office address can apply for with low or no Chances of rejection?

Thank you for your help
Regards

Axis: Myzone/Indian oil, Neo is hard to get on fresh application (easy via upgrade/preapproved)
HDFC: Moneyback/Neu/pixel play
icici: Platinum / coral
SBI: simplyf**k, (irctc will require decent score)
indusind: contact branch
onecard

Rest PSU: 2year itr+ (statement 30k+ amb for 6 month with business transactions)

 

[technogurpreet]

Axis: Myzone/Indian oil, Neo is hard to get on fresh application (easy via upgrade/preapproved)
HDFC: Moneyback/Neu/pixel play
icici: Platinum / coral
SBI: simplyf**k, (irctc will require decent score)
indusind: contact branch
onecard

Rest PSU: 2year itr+ (statement 30k+ amb for 6 month with business transactions)

have been rejected for neu, have icic plat and coral, onecard
will check out the other options.
thanks for sharing

 

[vaibhav111vaibhav111 is verified member.]

Have Been rejected for HDFC swiggy recently and saw in some posts that self employed with same home/office address might be the reason.

So was wondering which cards/issuers can a self employed with 4-6Lac ITR, same home/office address can apply for with low or no Chances of rejection?

Thank you for your help
Regards

You’re mistaken bro, first thing I also have my gst register on my home address cause who would given noc on rent place and second thing been operation from several years on the same location plus ITR is close to 20L so you need pre approved offer so open a saving account in private banking with 1L and account variant could be 25k MAB and in 3-6 month you might get pre approved offer. Plus your cibil should have your office address Otherwise no point of applying for basis card cause rejection would be high. Rather apply for freelancing card like hdfc pixel that shouldn’t be an issue. Oldest card is close to 10yr old too so major difference but you would need a office address sooner or later if your self employed.

 

[danish]

You’re mistaken bro, first thing I also have my gst register on my home address cause who would given noc on rent place and second thing been operation from several years on the same location plus ITR is close to 20L so you need pre approved offer so open a saving account in private banking with 1L and account variant could be 25k MAB and in 3-6 month you might get pre approved offer. Plus your cibil should have your office address Otherwise no point of applying for basis card cause rejection would be high. Rather apply for freelancing card like hdfc pixel that shouldn’t be an issue. Oldest card is close to 10yr old too so major difference but you would need a office address sooner or later if your self employed.

my father has millenia card of 103 k limit , it is 6 months old , he received a limit increase of 7000 should we take it or ignore it . he had a current account now closed .

 

[technogurpreet]

You’re mistaken bro, first thing I also have my gst register on my home address cause who would given noc on rent place and second thing been operation from several years on the same location plus ITR is close to 20L so you need pre approved offer so open a saving account in private banking with 1L and account variant could be 25k MAB and in 3-6 month you might get pre approved offer. Plus your cibil should have your office address Otherwise no point of applying for basis card cause rejection would be high. Rather apply for freelancing card like hdfc pixel that shouldn’t be an issue. Oldest card is close to 10yr old too so major difference but you would need a office address sooner or later if your self employed.

will look into pixel and account
thanks for sharing

 

[ManojGowda]

my father has millenia card of 103 k limit , it is 6 months old , he received a limit increase of 7000 should we take it or ignore it . he had a current account now closed .

Very minimal increment, wait for another offer to get triggered.

 

[BrokenBoot]

appreciate the suggestion.

do have an ICICI Apay with a reasonable limit, use swiggy quite a lot so applied for hfdc swiggy card initially. Since it was suggested in several posts here to get a core hdfc card instead of cobranded first so was checking my options

these cards show up when i use the following form to check

https://applyonline.hdfcbank.com/cards/credit-cards.html#nbb

it did not seem they are preapproved rather prequalified
but feel free to correct me if i assumed wrong

thanks

you entered self employed in your amazon icici application ? and u got approved !!

 

[technogurpreet]

you entered self employed in your amazon icici application ? and u got approved !!

yes, but
got it in 2022, already had an icici account for 10+ years and plat card 7 years old.

 

[technogurpreet]

Try HDFC giga card, if same address home & office is an issue, because as per my knowledge this card is made for scenarios like these and high chance that HDFC wont reject this for you.

sure will check it out
thanks

 

[technogurpreet]

If preappproved they would have shown the limit as well, you can try and see if you get the card.
If you have a good relation with hdfc it should be easier. Or try applying via an agent at the bank branch

understood, will give it a try
thanks

 

[technogurpreet]

You’re mistaken bro, first thing I also have my gst register on my home address cause who would given noc on rent place and second thing been operation from several years on the same location plus ITR is close to 20L so you need pre approved offer so open a saving account in private banking with 1L and account variant could be 25k MAB and in 3-6 month you might get pre approved offer. Plus your cibil should have your office address Otherwise no point of applying for basis card cause rejection would be high. Rather apply for freelancing card like hdfc pixel that shouldn’t be an issue. Oldest card is close to 10yr old too so major difference but you would need a office address sooner or later if your self employed.

did open hdfc account 25kMAB recently, will check out pexel
thanks

 

[vaibhav111vaibhav111 is verified member.]

my father has millenia card of 103 k limit , it is 6 months old , he received a limit increase of 7000 should we take it or ignore it . he had a current account now closed .

Just 7k LE? it must be 70k! it up to you.

 

[danish]

Just 7k LE? it must be 70k! it up to you.

yes its just 7k .