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

 

[sjmajumder]

Why too much ?

All Credit card

Yes, and all rejected apart from ICICI Sapphiro. ICICI did double hit, fighting with them to remove one.

 

[sjmajumder]

I had 14 😂😂😂

14!!!

What all did you apply?

 

[vine]

Bulk of it (4100 approx) came from Macbook Pro purchase for a relative. Rest from Airtel Postpaid 25%, Other Bills 10%, Swiggy/Zomato 10%.

Just curious, what was the offer with macbook pro?

 

[Ram1]

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

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

Automatic offer from bank?
NRV with bank?

 

[sjmajumder]

Just curious, what was the offer with macbook pro?

None. Even cash karo didn't work.

 

[sjmajumder]

Automatic offer from bank?
NRV with bank?

Actually they are offering lot of goodies with new salary account including the white card (based on salary category). But I have salary account with Kotak for 15 years and they refused to give any of those goodies for existing salary account holders. So, I threatened to close my account and move to other bank. That's when they agreed to give this one goodie 😊

 

[vine]

Actually they are offering lot of goodies with new salary account including the white card (based on salary category). But I have salary account with Kotak for 15 years and they refused to give any of those goodies for existing salary account holders. So, I threatened to close my account and move to other bank. That's when they agreed to give this one goodie 😊

Same with me
Ditto.

 

[sjmajumder]

Airtel Axis FYF. And SBI Cashback both applied last week and got approved. Axis Delivered today, SBI might get delivered today or tomorrow. Also "upgraded" to ICICI platinum LTF from ICICI Apay last week. Applied for Tata Neu Infinity 2 days ago. Waiting for HDFC approval.

Why did you change to Platinum from Amazon Pay? It's not an upgrade, it's a severe downgrade. You should have taken platinum in addition to Amazon pay.

 

[Parallaxhal]

Why did you change to Platinum from Amazon Pay? It's not an upgrade, it's a severe downgrade. You should have taken platinum in addition to Amazon pay.

Yes I did that only. But ICICI calls it upgrade

 

[CARDiologist]

Got Apay ICICI this month after 3 times rejection

Also mistakenly applied for the axis MYZONE RUPAY .Now waiting for application cancellation.

 

[sjmajumder]

Yes I did that only. But ICICI calls it upgrade

You will not get anything from platinum card. Apay card has 5% cashback on Amazon for prime member and 3% for others, 2% on bill payment and 1% on everything else. Now you decide which is better.

 

[Adwait]

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

 

[Mruseless]

AU lit. 😁

 

[vaibhavpp0707]

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

 

[cardy]

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

Please let us know about LTF rubyx in details how you got , upgrade or direct what is your limit etc

 

[vaibhavpp0707]

Please let us know about LTF rubyx in details how you got , upgrade or direct what is your limit etc

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.

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.

 

[Parallaxhal]

You will not get anything from platinum card. Apay card has 5% cashback on Amazon for prime member and 3% for others, 2% on bill payment and 1% on everything else. Now you decide which is better.

What I meant to say was they gave the card with the shared limit of amazon card. I still have the amazon card. But ICICI calls the process as "upgrade" even though it's not.

 

[bigbrain]

I got atlas offer in axis mobile app, is it good to take, I am not a traveler

It is a travel based card. Options to redeem points are also airmiles and hotel loyalty points. If you don’t travel then this is a useless card for you.

 

[AlphaCAT]

ICICI Sapphiro and Axis Samsung Infinite. Have to add Amex Trifecta this year !!

 

[jade]

Airtel axis, FYF.