Which is your First Credit Card of 2024

[sjmajumder]

Today I got an upgrade from LTF Kotak Royale to LTF Kotak White.

This is my first addition in 2024. Which is yours?

UPDATE
2 - ICICI Coral Rupay - LTF
3 - Kotak League Platinum Rupay - LTF
4 - HDFC Swiggy - Paid (Swiggy offer)
5 - Au Vetta - LTF
6 - ICICI Amazon Pay - LTF (Cancelled and applied from different Amazon account)
7 - IndusInd EazyDiner Signature - LTF
8 - Uni NX Wave - LTF
9 - Federal Bank Signet - LTF (cancelled on day 1)
10 - IDFC First Wealth - LTF (Cancelled Select and took Wealth)
11 - Federal Bank Celesta - LTF

 

[Ram1]

Got Yes Reserv FYF with 5L limit without any income proof will try to convert to LTF later.

How will you convert to ltf?

 

[flyhighpaper34]

Finally got Airtel axis on my mother's number

Do they give it to unsalaried / without ITR.
My wife is getting constant message to apply but she doesnt have ITR or salary slip

 

[flyhighpaper34]

My first is amex plat travel due to upgrade offer

 

[cardio_guy]

Not taken anything yet.

 

[pprakash11]

HDFC Marriott Bonvoy!

 

[Adwait]

How will you convert to ltf?

That I too will to know 1 year later🤣

 

[thunderbolt]

DCB FYF -> DCB Metal FYF

 

[ronakshah]

Do they give it to unsalaried / without ITR.
My wife is getting constant message to apply but she doesnt have ITR or salary slip

You can apply but I doubt it will approve. Does she have any credit history?

 

[ontherocks]

In 2024 I have added
LTF Icici Rubyx Mastercard and Amex
LTF Yes Finbooster and Virtual rupay

I heard Yes is not giving the Rupay for Finbooster card holders

 

[vaibhavpp0707]

I heard Yes is not giving the Rupay for Finbooster card holders

Earlier they were not giving with co-branded cards but now they started issuing it

 

[abhiver]

ICICI Sapphiro FYF

 

[dolphinmark]

Got Icici Rubyx Mastercard and AMEX
it's a lifetime free card and dual card where both Mastercard and AMEX was issues.
Took it as there are decent offers for ICICI cards where amazon pay card does not work

 

[Lobogris]

HDFC Infinia Metal. Also got Axis Atlas around Dec 28th which is almost this year.

 

[noobdipesh]

It will be paid Reserv

 

[krishg]

ICICI Sapphiro LTF

 

[Finchamp!]

IDFC Vistara CC

 

[jonamdhar]

BoB Easy credit card LTF....

Got it just for the Bank specific offers

 

[H2O]

Magnus for Burgundy.

 

[cardio_guy]

I have mine savings account with ICICI from last 2 years which I haven't used and having 0 balance from long time.
And already hold ICICI Amazon pay, platinum, Mmt signature cards.

I had called customer care and asked I want LTF Rubyx they transferred call to card application dept.
For Rubyx LTF salary criteria is 1 Lacs per month
They started guiding me for application on ICICI website but it not worked with my mobile number. See below screenshot.
View attachment 40035
Now they asked me for alternate number. I used my wife's number and my Pan card and applied. Uploaded salary slips. Did VKYC on same day. Physical verification happened at home twice. As I was not in home on their 1st attempt. After 8 days received text message that card is approved.

And after 2 days both Rubyx MC and amex cards were visible in my imobile app.
But except Amazon pay card for all other cards mobile number was updated (wife's number)

Called customer care and confirmed both are life time free. Again updated mobile number for all the cards.

Will apply for Sapphiro LTF once my salary will be 2 lacs per month.

Is rubyx higher/better than coral?

 

[gamersgzb]

Today I got an upgrade from LTF Kotak Royale to LTF Kotak White.

This is my first addition in 2024. Which is yours?

How? Based on what?