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CREDIT CARD -> List of LTF Life Time Free "Credit Card" for General Public i.e NTB - Please add what you know to keep this list updated

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DesiDime Coupons
DesiDime Coupons
Deal Cadet
DEEPANGEORGE

Hello Dimers,

Some of the LTF cards I know FOR GENERAL PUBLIC i.e NTB (new to bank) are

1) Axis Neo (during promotion times)

2) Axis Myzone (during promotion times)

3) HDFC Money Back card (for certain HDFC Bank account holders who wait)

4) AU has ixigo card lifetime

5) One card (no more issued because of data misuse)




Thanks to shiva20 few more cards added to list

6) ICICI Amazon Pay




Thanks to dealseeker402 few more cards added to list

7) HDFC Regalia (for certain HDFC Bank account holders who wait)

8) HDFC TATA NEU Plus & INFINITY (for certain HDFC Bank account holders or who has build some rappo or TATA employees)

9) ICICI CORAL RUPAY 

10) AU ZENITH (not offered anymore) - Thanks to DimeDude inputs

11) STANDARD CHARTERED DIGISMART (not offered anymore) sc platinum is ltf now - Thanks to DimeDude inputs

12) HSBC PLATINUM (mostly for salaried , self employed tough)




Thanks to LG50 few more cards added to list

13) IDFC First Millennia

14) IDFC First Classic

15) IDFC First Select

16) IDFC First Wealth

17) Federal Celesta

18) Federal Imperio

19) Federal Signet




Thanks to Ritesh_1 few more cards added to list

20) Kotak League Platinum

21) ICICI Platinum Chip Credit Card

22) BOB select (during promotion times)

23) BOB easy (during promotion times)


by myself

24) BOB premier (during promotion times)




Thanks to mohiitt few more cards added to list

25) Axis Kiwi




Thanks to RDimer few more cards added to list

26) ICICI Robyx (depending upon salary/ relationships with ICICI/ Cibil)

27) ICICI SHAPPIRO (depending upon salary/ relationships with ICICI/ Cibil)




Thanks to xedo123 few more cards added to list

28) HDFC SHOPPER STOP CC




Thanks to PDMD few more cards added to list

29) Indusind legend 

30) indus IND aura edge

31) rbl shoprite platinum 

32) kotak urbane

33) yes Bank signature 

34) hdfc millennia (for certain HDFC Bank account holders who wait)




Thanks to netrafter few more cards added to list

35) AU LIT




Thanks to JackyDan few more cards added to list

36) Kotak zen (Was available as lft for ntb-New to bank customers)

37) Kotak iocl (Was available as lft for ntb-New to bank customers)


by myself

38) Uni Card (if offered for you)



Thanks to DimeDude few more cards added to list

39) AU swipe up cards, i.e. Xcite, Xcite Ace, Xcite Ultra



40) ...... etc






FD Credit Cards

1) One card (no more issued because of data misuse)

2) IDFC First WOW Card

3).... etc 




anyone please comment the list of cards you know that are AVAILABLE AS LTF AT SOME POINT OF TIME in a year

So any other cards you know?


(side note: once this post is non editable I will add the future updated list of cards as the last/lastest comment in this post so keep "commenting" your new find of LTF cards:) hehehe lets make use of all these cards xD)

if you like you can follow this thread for notifications with update of comments

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
78 Comments  |  
30 Dimers
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Deal Cadet Deal Cadet
DEEPANGEORGE
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Hello Dimers,

Some of the LTF cards I know FOR GENERAL PUBLIC i.e NTB (new to bank) are

1) Axis Neo (during promotion times)

2) Axis Myzone (during promotion times)

3) HDFC Money Back card (for certain HDFC Bank account holders who wait)

4) AU has ixigo card lifetime

5) One card (no more issued because of data misuse)



Thanks to shiva20 few more cards added to list

6) ICICI Amazon Pay



Thanks to dealseeker402 few more cards added to list

7) HDFC Regalia (for certain HDFC Bank account holders who wait)

8) HDFC TATA NEU Plus & INFINITY (for certain HDFC Bank account holders or who has build some rappo or TATA employees)

9) ICICI CORAL RUPAY

10) AU ZENITH (not offered anymore) - Thanks to DimeDude inputs

11) STANDARD CHARTERED DIGISMART (not offered anymore) sc platinum is ltf now - Thanks to DimeDude inputs

12) HSBC PLATINUM (mostly for salaried , self employed tough)



Thanks to LG50 few more cards added to list

13) IDFC First Millennia

14) IDFC First Classic

15) IDFC First Select

16) IDFC First Wealth

17) Federal Celesta

18) Federal Imperio

19) Federal Signet



Thanks to Ritesh_1 few more cards added to list

20) Kotak League Platinum

21) ICICI Platinum Chip Credit Card

22) BOB select (during promotion times)

23) BOB easy (during promotion times)

by myself

24) BOB premier (during promotion times)



Thanks to mohiitt few more cards added to list

25) Axis Kiwi (no more issued though)



Thanks to RDimer few more cards added to list

26) ICICI Robyx (depending upon salary/ relationships with ICICI/ Cibil)

27) ICICI SHAPPIRO (depending upon salary/ relationships with ICICI/ Cibil)



Thanks to xedo123 few more cards added to list

28) HDFC SHOPPER STOP CC



Thanks to PDMD few more cards added to list

29) Indusind legend

30) indus IND aura edge

31) rbl shoprite platinum

32) kotak urbane

33) yes Bank signature

34) hdfc millennia (for certain HDFC Bank account holders who wait)



Thanks to netrafter few more cards added to list

35) AU LIT



Thanks to JackyDan few more cards added to list

36) Kotak zen (Was available as lft for ntb-New to bank customers)

37) Kotak iocl (Was available as lft for ntb-New to bank customers)

by myself

38) Uni Card (if offered for you)



Thanks to DimeDude few more cards added to list

39) AU swipe up cards, i.e. Xcite, Xcite Ace, Xcite Ultra




Thanks to Mk07 few more cards added to list

40) Axis Flipkart (during promotion times)





Thanks to dealseeker402 few more cards added to list

41) HDFC Diners Club Privilege Credit Card (available as ltf for some customers - thanks to JNL for confirming)

42) ...... etc




____________________________________________________________
FD Credit Cards

1) One card (no more issued because of data misuse)

2) IDFC First WOW Card (for some customers, one can get more limit around >100% i.e 125%.. etc of FD as limit)





Thanks to Demon_slayer few more cards added to list

3) Kotak dream different (a secured card, also ltf. You even get LE after sometime)


4).... etc



anyone please comment the list of cards you know that are AVAILABLE AS LTF AT SOME POINT OF TIME in a year

So any other cards you know?


(side note: once this post is non editable I will add the future updated list of cards as the last/lastest comment in this post so keep "commenting" your new find of LTF cards:) hehehe lets make use of all these cards xD)

if you like you can follow this thread for notifications with update of comments
Like 1
Deal Subedar Deal Subedar
Demon_slayer
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Kotak dream different is a secured card, also ltf. You even get LE after sometime.
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied
Oh nice:) with LE too without additional FD? seems like a interesting card:)

Let me add to the list:)
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied

Hello Dimers,

Some of the LTF cards I know FOR GENERAL PUBLIC i.e NTB (new to bank) are

1) Axis Neo (during promotion times)

2) Axis Myzone (during promotion times)

3) HDFC Money Back card (for certain HDFC Bank account holders who wait)

4) AU has ixigo card lifetime

5) One card (no more issued because of data misuse)



Thanks to shiva20 few more cards added to list

6) ICICI Amazon Pay



Thanks to dealseeker402 few more cards added to list

7) HDFC Regalia (for certain HDFC Bank account holders who wait)

8) HDFC TATA NEU Plus & INFINITY (for certain HDFC Bank account holders or who has build some rappo or TATA employees)

9) ICICI CORAL RUPAY

10) AU ZENITH (not offered anymore) - Thanks to DimeDude inputs

11) STANDARD CHARTERED DIGISMART (not offered anymore) sc platinum is ltf now - Thanks to DimeDude inputs

12) HSBC PLATINUM (mostly for salaried , self employed tough)



Thanks to LG50 few more cards added to list

13) IDFC First Millennia

14) IDFC First Classic

15) IDFC First Select

16) IDFC First Wealth

17) Federal Celesta

18) Federal Imperio

19) Federal Signet



Thanks to Ritesh_1 few more cards added to list

20) Kotak League Platinum

21) ICICI Platinum Chip Credit Card

22) BOB select (during promotion times)

23) BOB easy (during promotion times)

by myself

24) BOB premier (during promotion times)



Thanks to mohiitt few more cards added to list

25) Axis Kiwi



Thanks to RDimer few more cards added to list

26) ICICI Robyx (depending upon salary/ relationships with ICICI/ Cibil)

27) ICICI SHAPPIRO (depending upon salary/ relationships with ICICI/ Cibil)



Thanks to xedo123 few more cards added to list

28) HDFC SHOPPER STOP CC



Thanks to PDMD few more cards added to list

29) Indusind legend

30) indus IND aura edge

31) rbl shoprite platinum

32) kotak urbane

33) yes Bank signature

34) hdfc millennia (for certain HDFC Bank account holders who wait)



Thanks to netrafter few more cards added to list

35) AU LIT



Thanks to JackyDan few more cards added to list

36) Kotak zen (Was available as lft for ntb-New to bank customers)

37) Kotak iocl (Was available as lft for ntb-New to bank customers)

by myself

38) Uni Card (if offered for you)



Thanks to DimeDude few more cards added to list

39) AU swipe up cards, i.e. Xcite, Xcite Ace, Xcite Ultra




Thanks to Mk07 few more cards added to list

40) Axis Flipkart (during promotion times)





Thanks to dealseeker402 few more cards added to list

41) HDFC Diners Club Privilege Credit Card (available as ltf for some customers - thanks to JNL for confirming)

42) ...... etc





FD Credit Cards

1) One card (no more issued because of data misuse)

2) IDFC First WOW Card

3).... etc



anyone please comment the list of cards you know that are AVAILABLE AS LTF AT SOME POINT OF TIME in a year

So any other cards you know?


(side note: once this post is non editable I will add the future updated list of cards as the last/lastest comment in this post so keep "commenting" your new find of LTF cards:) hehehe lets make use of all these cards xD)

if you like you can follow this thread for notifications with update of comments
Helpful Helpful
dealseeker402
Link Copied
kotak royale signature axis indian oil axis myzone pnb silver/classic bob premier rbl paisa on demand yes bank prosperity edge/ now select card hdfc diner club priviledge
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied
Kotak royale signature 
pnb silver/classic
rbl paisa on demand (is this RBL Duet Card?)
YES Prosperity Edge/Select Credit Card
Diners Club Privilege Credit Card

is it LTF for anyone? or any condition to get them as LTF?
View 1 more reply
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied

Hello Dimers,

Some of the LTF cards I know FOR GENERAL PUBLIC i.e NTB (new to bank) are

1) Axis Neo (during promotion times)

2) Axis Myzone (during promotion times)

3) HDFC Money Back card (for certain HDFC Bank account holders who wait)

4) AU has ixigo card lifetime

5) One card (no more issued because of data misuse)



Thanks to shiva20 few more cards added to list

6) ICICI Amazon Pay



Thanks to dealseeker402 few more cards added to list

7) HDFC Regalia (for certain HDFC Bank account holders who wait)

8) HDFC TATA NEU Plus & INFINITY (for certain HDFC Bank account holders or who has build some rappo or TATA employees)

9) ICICI CORAL RUPAY

10) AU ZENITH (not offered anymore) - Thanks to DimeDude inputs

11) STANDARD CHARTERED DIGISMART (not offered anymore) sc platinum is ltf now - Thanks to DimeDude inputs

12) HSBC PLATINUM (mostly for salaried , self employed tough)



Thanks to LG50 few more cards added to list

13) IDFC First Millennia

14) IDFC First Classic

15) IDFC First Select

16) IDFC First Wealth

17) Federal Celesta

18) Federal Imperio

19) Federal Signet



Thanks to Ritesh_1 few more cards added to list

20) Kotak League Platinum

21) ICICI Platinum Chip Credit Card

22) BOB select (during promotion times)

23) BOB easy (during promotion times)

by myself

24) BOB premier (during promotion times)



Thanks to mohiitt few more cards added to list

25) Axis Kiwi



Thanks to RDimer few more cards added to list

26) ICICI Robyx (depending upon salary/ relationships with ICICI/ Cibil)

27) ICICI SHAPPIRO (depending upon salary/ relationships with ICICI/ Cibil)



Thanks to xedo123 few more cards added to list

28) HDFC SHOPPER STOP CC



Thanks to PDMD few more cards added to list

29) Indusind legend

30) indus IND aura edge

31) rbl shoprite platinum

32) kotak urbane

33) yes Bank signature

34) hdfc millennia (for certain HDFC Bank account holders who wait)



Thanks to netrafter few more cards added to list

35) AU LIT



Thanks to JackyDan few more cards added to list

36) Kotak zen (Was available as lft for ntb-New to bank customers)

37) Kotak iocl (Was available as lft for ntb-New to bank customers)

by myself

38) Uni Card (if offered for you)



Thanks to DimeDude few more cards added to list

39) AU swipe up cards, i.e. Xcite, Xcite Ace, Xcite Ultra




Thanks to Mk07 few more cards added to list

40) Axis Flipkart (during promotion times)

41) ...... etc





FD Credit Cards

1) One card (no more issued because of data misuse)

2) IDFC First WOW Card

3).... etc



anyone please comment the list of cards you know that are AVAILABLE AS LTF AT SOME POINT OF TIME in a year

So any other cards you know?


(side note: once this post is non editable I will add the future updated list of cards as the last/lastest comment in this post so keep "commenting" your new find of LTF cards:) hehehe lets make use of all these cards xD)

if you like you can follow this thread for notifications with update of comments
Laughter Fire 2
Deal Cadet Deal Cadet
Mk07
Link Copied

Flipkart axis
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied
Thanks:) let me add it to the list
Like 1
Finance Ninja Finance Ninja
Fanil
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Rbl world safari
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied

Thanks for the suggestion:)


What is the condition for making it LTF, normally its not possible to get this in LTF
Deal Cadet Deal Cadet
kipte.khoka
Link Copied

Please add Citi IKEA Credit card to the list
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied
Thanks for the nice suggestion:)

hmm are you sure that card is available to general public now? because citi got sold to axis , so i doubt anyone can get it now

so are you sure?
View 1 more reply
Patron Patron
TridentDG
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I have all the 50 ltf cards.

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PICTURES saved in phone iphone

Laughter 1
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied
oh only 50 cards? thats too bad, thought you hold more:) just 50 ah
Laughter 1
Deal Cadet Deal Cadet
neo13
Link Copied

Off topic: if my address is not serviceable, if I apply from relatives address of metro City, will there be any issue? My cibil keeps showing different addresses.
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied
There wont be any issue for now, but during card redeliver maybe issue arise if you are not there and the renewed card is posted to that old address

other than that CIBIL will have lot of different address (might be mess) 

just i am thinking (my imagination)
if i am lender, is it safe to give a person loan who changes location frequently? not sure this is considered for loan approval but still just my thought
The PostMighty The PostMighty
this.person.actually
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Indusind Rupay Platinum
Budding Star Budding Star
Bhawin
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Check your DM and reply there Once 
Benevolent Benevolent
LIMBO
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Off-topic: I received a message on WA  regarding pre-approved One Card with 80k limit. This mean that there would be no CIBIL enquiry and hence no hit to my CIBIL score,right? 

Also no docs or video/KYC etc.? 
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied

One Card I am not sure, but below is the case for most of banks and financial institution


1) even for pre approved there will be always atleast SOFT cibil enquiry most of the time with most of the banks:) except some banks like Axis (axis gives preapproved without cibil hit as far as i seen)

2) Always there is "video KYC" or "in person KYC" verification (if you dont have account with their bank or their financial institution) - NON NEGOTIABLE

btw is one card being issued now? i heard they stopped issuing (please clarify incase if you tried applying)
Like 1
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Deal Subedar Deal Subedar
srp321
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bhai almost 70% of cards would be conditionally LTF.

Baat ye aati fir ki kon kon ye condition fulfill kar sakta, issue ispe hi aayega.

No point in just creating a new thread by the list only, why not create an excel and attach it here mentioning more in clear about what condition is required (a bit in detail) for LTF.
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied

Nice suggestion:)

yes i thought that as well but people wont see REPEATED update of excel sheet (it will be outdated), but here with update of "DD list" with comments here people will get notification and respond with latest update, (and the content will be always updated with everyone help)


see already for example DimeDude is checking up the list and responding with his UPDATED suggestion, similarly everyone will help:) , and also the people who follow this thread will have update notification every time there is update


but if this is present in an "excel sheet/google sheet" people wont check they just look it once and forget:) so this way of creating post and commenting IS BETTER FOR LATEST UPDATES from EVERYONE, to keep it relevant (with updated conditional LTF mentioned)




Main point of this thread is: we all will get updated information as this post will never get outdated easily with everyone help
Helpful Helpful
DimeDude
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AU swipe up cards, i.e. Xcite, Xcite Ace, Xcite Ultra

RBL Play card is 500+gst, but gives 500 vouchers, and the fee is waived off if you use bookmyshow for 10 bookings a year (no need to even use the card, just have 10 bookings)

Yes Bank FinBooster
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied

AU swipe up cards, i.e. Xcite, Xcite Ace, Xcite Ultra - All LTF?

Thanks for the inputs:) let me add to the list:) 

regarding that RBL play card good suggestion, hmm but in my opinion it cant be considered LTF because hmm its forcing us to use it:) we can keep it dormant as per our own convenience like in LTF, its like a spend criteria based forced on it (10 bookings is forced indirectly)
Deal Cadet Deal Cadet
netrafter
Link Copied

I have following LTF:

Amex MRCC
AU Instapay Rupay
AU LIT
Axis Kiwi
Axis MyZone
BOB Easy Digital Rupay
BOB Premier
Citibank Premiermiles
Citibank Rewards
Federal Scapia
HDFC MoneyBack+
HDFC Regalia
HDFC Tata Neu Infinity
HSBC Visa Platinum
ICICI Amazonpay
ICICI Rupay Coral
ICICI VisaPlatinum Coral
IDFC Classic
IDFC Select
Kotak League Rupay
Kotak Privy League
RBL Shoprite
SBI OLA
SCB Platinum Rewards
Fire 1
Deal Cadet Deal Cadet
Cyana
Link Copied

Now a days HDFC is not providing LTF cards as easily.

Talking about recent experience, i have a Regalia LTF & I asked them to convert it to Millenia LTF. And they said they cant provide LTF after conversion, ( even though the Regalia is a more premium card)
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
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oh valuable insights:)  good to know it:) Cyana

@all: anyone having this trouble please comment so that we can know how to get this LTF here on?
View 1 more reply
Helpful Helpful
MasterAnimesh
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I have these as LTF

Icici Amazon pay

ICICI coral rupay

HDFC millennia

HDFC tataneu infinity

Indusind eazydiner

Axis myzone

Axis Flipkart

Rbl shoprite
Bob premier
Like Fire 2
Deal Cadet Deal Cadet
nikhil9702
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how u got HDFC millennia LTF?
View 1 more reply
Deal Cadet Deal Cadet
JackyDan
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Kotak zen

Kotak iocl

Both Was available as lft for ntb customers .I have kotak iocl lft
Deal Cadet Deal Cadet
DEEPANGEORGE
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ntb customers means? can you elaborate for me to understand:)

net banking?
View 2 more replies
Deal Cadet Deal Cadet
netrafter
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AU LIT card is actually LTF.
Like Fire 2
Deal Cadet Deal Cadet
DEEPANGEORGE
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Added to the list, thanks for the inputs:)
Deal Newbie Deal Newbie
Mr_X_AB
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I want to know that can i get HDFC millennia card LTF ? Now in HDFC Bank's Website it's showing rs 1000 chargeable! Should i wait or get the card paid?
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
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If you dont have SBI Cashback card, get HDFC Millennia or else wait for LTF offer
View 5 more replies
Cool Cool
Ashish.N
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This idfc bob axis credit card I get only if I have account in those banks or not necessary

Deal Cadet Deal Cadet
DEEPANGEORGE
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bank account is not necessary
you can get their credit cards without having bank account with them
Like 1
Deal Cadet Deal Cadet
PDMD
Link Copied

Indusind legend ,indus IND aura edge,rbl shoprite platinum ,kotak urbane,yes Bank signature ,hdfc millennia and many more.i stated only those cards which are not mentioned here by others i guess

Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied
Thanks for the inputs:) let me get it in the list:)
Deal Hunter Deal Hunter
xedo123
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HDFC SHOPPER STOP CC
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
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Thanks for the inputs let me add it to the list:)
Deal Cadet Deal Cadet
RDimer
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I got ICICI SHAPPIRO and my cousin got Rubyx LtF couple of month back
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied

great:))


I mean those 2 cards are available as LTF easily for general public? i am trying to make a list for general public:) so kindly confirm is it? so that I can add to the post:)
View 3 more replies
Deal Newbie Deal Newbie
mohiitt
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I have the following -

ICICI AMAZON LTF

ICICI PLATINUM LTF

ICICI CORAL RUPAY LTF

AXIS KIWI LTF

AXIS MYZONE LTF

PNB PLATINUM RUPAY LTF

RBL DUET LTF
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied

Nice:) thanks for the inputs will add to the post


hmm Axis Kiwi i think its LTF usually 


But PNB Platinum Rupay is it LTF usually for anyone?

RBL Duet is it LTF for anyone?
View 1 more reply
Deal Newbie Deal Newbie
Ritesh_1
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 Kotak League Platinum 

ICICI Platinum Chip Credit Card

BOB select , easy
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
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Thanks added to the list:)
Freebie Finder Freebie Finder
LG50
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1. Most of the IDFC First credit cards are LTF

2. All Federal bank credit cards are LTF
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
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Thanks for the inputs:)) let me add it to the post

hmm btw IDFC First Cards there are Paid cards as well like 
a) Virtual Rupay Rs. 199+GST 
b) IDFC FIRST Bank HPCL First power 
c) IDFC FIRST Bank HPCL First power plus
....

so not all cards are LTF in IDFC First as far as i know
View 1 more reply
Deal Cadet Deal Cadet
anon2
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Onecard is not issuing to new customers?

Deal Cadet Deal Cadet
DEEPANGEORGE
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Yep as far as i know and last heard they are not issuing new cards now:) because of data misuse kinda thing after then federal also not issuing cards under one card because of RBI things, 


then i think one card stopped giving card under any cobranded thing


If I am wrong correct me:)
Like 1
Helpful Helpful
dealseeker402
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HDFC REGALIA HDFC TATA NEU INFINITY HDFC DINERS CLUB PRIVILEGE ICICI CORAL RUPAY AU ZENITH STANDARD CHARTERED DIGISMART HSBC PLATINUM
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
Link Copied

Thanks for the list:) let me add it to the post


HDFC Regalia is similar to HDFC money back on lifetime status, they offer for some account holders i think not for all
View 5 more replies
Deal Subedar Deal Subedar
shiva20
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You forgot ICICI Amazon Pay CC
Like 1
Deal Cadet Deal Cadet
DEEPANGEORGE
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ops ya:) hehee let me add it:) thanks:)
replyuser
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