Best Credit Card Suggestions and Discussions
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Dear All,
I am looking for my first Credit Card and need help, suggestions and healthy discussions pertaining to anything about Credit Cards
Purpose : My primary purpose of getting a Credit Card is improving my CIBIL Score as I intend to buy a house next 3 years down the line.
Some details : Age 23, Salary is frankly good enough to get any Credit Card, Not an impulsive shopper though Phones are my weakness but in recent times I have been able to curb on it .
My typical online usage : All the routine online payments and big ticket online purchases in my household I intend to route it through my account .
Typical Payments: Mobile Bills( Courtesy Jio has reduced drastically ) , Electricity Bills, Internet Bills , Online Grocery Shopping, Restaurants ( Fast Food Joints and Stuff maybe once every week or fortnigh) , BMS maybe once a month and rest Electronics and Apparel Shopping and Vacations/Getaways and sometimes online medicines too ( non-frequent but worth mentioning )
Max to max intend to spend lets say 6k to 8k a month using the card inspite of all the above mentioned purchases and its after keeping a buffer margin . A big shopping like a Phone or some other heavy electronics or a trip may increase my spending in some of the months.
Payments : I am no way intending to improve my current Lifestyle or living standards its only that I want to improve upon my CIBIL Score so all the payments would be made in time/within the due date .
I have been approached by Citi for Premium Platinum Rewards cards and have yet to give them a consent on the same. First year is free and then from next years fees will be waived if spends cross 30k a year . I have also read about the HDFC Diners Club card so confused which one should I opt for keeping in my above shopping needs
I have read almost all the previous threads on this topic and have created a new one as the threads with the most information are atleast an year old . Tagging all the dimers whom I feel are relevant to discussion in the next post .
go for american express card settle for no less
@PaytmKaPoojari Tagging some more well informed dimers for you. 
@cybertechie @raghupro @dharmanath481 @myliferockkss @1cooldesidd
@PaytmKaPoojari wrote:
@DealSeeker @BUTTERFLYBOY
@dharmanath481 @cybertechie @Alpha.Barood @Achilles @anthrax.ut @goss8877 @Ashwin @Name @yogeshgemini @viSH @farzimaal @Plato @disclaimer
next time tag me first i gave u first answer
remember apahich first
Please ignore HDFC diners card
Please chk a thread on Amex Gold charge card, perfect service. Only issue is amex offline acceptability outside malls is low.
2. If u want visa , go for HDFC visa or SBI visa.
3. Later on u can try Rupay card in case some discounts r available , chk with the bank , where u have salary acx.
@PaytmKaPoojari wrote:
@DealSeeker @BUTTERFLYBOY
@dharmanath481 @cybertechie @Alpha.Barood @Achilles @anthrax.ut @goss8877 @Ashwin @Name @yogeshgemini @viSH @farzimaal @Plato @disclaimer
Oops! You have already edited the post.
@PaytmKaPoojari wrote:
@DealSeeker @BUTTERFLYBOY
@dharmanath481 @cybertechie @Alpha.Barood @Achilles @anthrax.ut @goss8877 @Ashwin @Name @yogeshgemini @viSH @farzimaal @Plato @disclaimer
@Spock @Magus @FeelMyL0Ve @Tejaa @dimepincher @kalwa.sai897520 @sunnie @A2Zdeals @hiteshparmar.007104 @oneidentity @ranjithsai01 @stalwart @hese @srp321 @cody @kanz @panchabhut @@rv2012@@ @thrifty_indian @1cooldesidd @bargainhunter @RichSoul @raghupro @esakki raja @tusharsethi90935 @rajrocks @punitdd @caks2006407 @deallady
The list is getting longer and longer…
BTW, rv2012 has become @AngryHulk now.
@Sharingan wrote:everything is possible today the american express is needing fresh gogetters like dada muni.. 23 year old .@apahich wrote:
go for american express card settle for no lessHe will not even be able to get an AMEX card as CIBIL score is not yet generated.
my accident was when i was 28 year old..
@Magus yes read almost every thread on dost and dimes regarding credit card and tagged people who had respsonded there .Edit : the list has come to an end
@apahich yes bro @Alpha.Barood & @Sharingan thanks will check out Amex Gold Charge card, any idea what kind of fees it has and benifits . Ill need to check the eligibility which again can hit back since im young and dont have any CIBIL score to back up.
@apahich wrote:Being young is a different think and having a credit history is something different. I am certain he will not be able to get an Amex card if he applies individually.@Sharingan wrote:everything is possible today the american express is needing fresh gogetters like dada muni.. 23 year old .@apahich wrote:
go for american express card settle for no lessHe will not even be able to get an AMEX card as CIBIL score is not yet generated.
my accident was when i was 28 year old..
@PaytmKaPoojari wrote:
@Magus yes read almost every thread on dost and dimes regarding credit card and tagged people who had respsonded there
@apahich yes bro @Alpha.Barood & @Sharingan thanks will check out Amex Gold Charge card, any idea what kind of fees it has and benifits . Ill need to check the eligibility which again can hit back since im young and dont have any CIBIL score to back up.
Gold card fee 4500+taxes. However, you can easily get 7500 statement credit after 1 year by redeeming your points.
Also, they reduced my fee to 1125 due to my card usage.
Accident ?
What’s the matter
Same question has been asked previously. Why don’t you search the section?
@Sharingan wrote:ok so i will be winning this time.@apahich wrote:Being young is a different think and having a credit history is something different. I am certain he will not be able to get an Amex card if he applies individually.@Sharingan wrote:everything is possible today the american express is needing fresh gogetters like dada muni.. 23 year old .@apahich wrote:
go for american express card settle for no lessHe will not even be able to get an AMEX card as CIBIL score is not yet generated.
my accident was when i was 28 year old..
young plus amex works if u from.IIT
@apahich wrote:Is @PaytmKaPoojari from IIT?@Sharingan wrote:ok so i will be winning this time.@apahich wrote:Being young is a different think and having a credit history is something different. I am certain he will not be able to get an Amex card if he applies individually.@Sharingan wrote:everything is possible today the american express is needing fresh gogetters like dada muni.. 23 year old .@apahich wrote:
go for american express card settle for no lessHe will not even be able to get an AMEX card as CIBIL score is not yet generated.
my accident was when i was 28 year old..
young plus amex works if u from.IIT
@Alpha.Barood wrote:
@apahich
Accident ?
What’s the matter
apahich by choice. 
@PaytmKaPoojari First of all, thanks for providing all the details about your situation and requirement.
Not sure if you have also checked the below Hot Deals thread. If not, do go through them as well for some more insights.
https://www.desidime.com/forums/hot-deals-online...
https://www.desidime.com/forums/hot-deals-online...
Before we get down to the specifics, I would like you to do/understand two important things:
(1) Get your CIBIL score and report from the official website as it’s important to know what’s already in your credit report (cost: Rs.550): https://www.cibil.com/credit...e/
(2) From your post, it seems like you are under the impression that you can or should apply for only one credit card. That is not correct. In fact, as a person without any existing credit cards, you should apply for 3-4 credit cards directly on the bank websites in one sitting. PM me for more.
@thrifty_indian wrote:
Same question has been asked previously. Why don’t you search the section?
i have searched almost all the threads available . Heres a screenie of my open tabs
The thing is the thread with most information dates back almost 1 year ago and to add i have gone through all of them before posting it out here . Dint check the Hot deals sections threads that @DealSeeker has mentioned so ill check them out too . 
DS
1. Is it required that I get my CIBIL Score cause I have never taken any loan or any means of credit . The only thing i have are savings bank accounts and never have my balance go below the minimum required
2. I merely need a card for improving my score . I can have a tons of cards if that helps but I dont have a necessity for it if it doesnt help me. My intention is merely helping me easily secure home loan with a good interest rate.
@Sharingan No
@Magus wrote:
@PaytmKaPoojari wrote:
@DealSeeker @BUTTERFLYBOY
@dharmanath481 @cybertechie @Alpha.Barood @Achilles @anthrax.ut @goss8877 @Ashwin @Name @yogeshgemini @viSH @farzimaal @Plato @disclaimer
@Spock @Magus @FeelMyL0Ve @Tejaa @dimepincher @kalwa.sai897520 @sunnie @A2Zdeals @hiteshparmar.007104 @oneidentity @ranjithsai01 @stalwart @hese @srp321 @cody @kanz @panchabhut @@rv2012@@ @thrifty_indian @1cooldesidd @bargainhunter @RichSoul @raghupro @esakki raja @tusharsethi90935 @rajrocks @punitdd @caks2006407 @deallady
The list is getting longer and longer…BTW, rv2012 has become @AngryHulk now.
He is angry now, so it is very risky to ask him anything. Be aware.
@PaytmKaPoojari wrote:Well, when I was in the same situation some years ago, all the banks rejected my application. So, I had to apply for a CC from my saving account and after using that I was able to get other cards successfully.
@thrifty_indian wrote:
Same question has been asked previously. Why don’t you search the section?
i have searched almost all the threads available . Heres a screenie of my open tabs
The thing is the thread with most information dates back almost 1 year ago and to add i have gone through all of them before posting it out here . Dint check the Hot deals sections threads that @DealSeeker has mentioned so ill check them out too .
DS
1. Is it required that I get my CIBIL Score cause I have never taken any loan or any means of credit . The only thing i have are savings bank accounts and never have my balance go below the minimum required2. I merely need a card for improving my score . I can have a tons of cards if that helps but I dont have a necessity for it if it doesnt help me. My intention is merely helping me easily secure home loan with a good interest rate.
Sorry bro @PaytmKaPoojari i don’t have any knowledge regarding this matter, as i was not found eligible to apply for CC Directly.
I can only provide information on Instant CC against FD.
@PaytmKaPoojari wrote:
@thrifty_indian wrote:
Same question has been asked previously. Why don’t you search the section?
i have searched almost all the threads available . Heres a screenie of my open tabs
The thing is the thread with most information dates back almost 1 year ago and to add i have gone through all of them before posting it out here . Dint check the Hot deals sections threads that @DealSeeker has mentioned so ill check them out too .
DS
1. Is it required that I get my CIBIL Score cause I have never taken any loan or any means of credit . The only thing i have are savings bank accounts and never have my balance go below the minimum required2. I merely need a card for improving my score . I can have a tons of cards if that helps but I dont have a necessity for it if it doesnt help me. My intention is merely helping me easily secure home loan with a good interest rate.
@Sharingan No
Yes, it makes things a lot easier. A friend of mine had his loan application rejected from almost all public and private sector banks last month because of no CIBIL score. Even Citi Bank which had his salary account did not approve his request.
@Magus wrote:Yes, this was the main reason I got a credit card too.
@PaytmKaPoojari wrote:
@thrifty_indian wrote:
Same question has been asked previously. Why don’t you search the section?
i have searched almost all the threads available . Heres a screenie of my open tabs
The thing is the thread with most information dates back almost 1 year ago and to add i have gone through all of them before posting it out here . Dint check the Hot deals sections threads that @DealSeeker has mentioned so ill check them out too .
DS
1. Is it required that I get my CIBIL Score cause I have never taken any loan or any means of credit . The only thing i have are savings bank accounts and never have my balance go below the minimum required2. I merely need a card for improving my score . I can have a tons of cards if that helps but I dont have a necessity for it if it doesnt help me. My intention is merely helping me easily secure home loan with a good interest rate.
@Sharingan No
Yes, it makes things a lot easier. A friend of mine has had his loan application rejected from almost all public and private sector banks last month because of no CIBIL score. Even Citi Bank which had his salary account did not approve his request.
@Magus wrote:
@PaytmKaPoojari wrote:
@thrifty_indian wrote:
Same question has been asked previously. Why don’t you search the section?
i have searched almost all the threads available . Heres a screenie of my open tabs
The thing is the thread with most information dates back almost 1 year ago and to add i have gone through all of them before posting it out here . Dint check the Hot deals sections threads that @DealSeeker has mentioned so ill check them out too .
DS
1. Is it required that I get my CIBIL Score cause I have never taken any loan or any means of credit . The only thing i have are savings bank accounts and never have my balance go below the minimum required2. I merely need a card for improving my score . I can have a tons of cards if that helps but I dont have a necessity for it if it doesnt help me. My intention is merely helping me easily secure home loan with a good interest rate.
@Sharingan No
Yes, it makes things a lot easier. A friend of mine had his loan application rejected from almost all public and private sector banks last month because of no CIBIL score. Even Citi Bank which had his salary account did not approve his request.
i felt DS was asking me to get a reort of my current cibil score before applying for a Credit Card so asked him whether it is required to get my Cibil score . Thats the exact reason I want my CIBIL Score for a home loan maybe 3 years down the line
IMO
not having any score in CIBIL does not make much difference, unless u r intt. To take Housing loan beyond your means. On the other side having low score or anything negative on CIBIL is problematic.
+ these days, builders ties up with bank for under construction projects, which have better chances of sanction of loans.
+ the CIBIL score can be built up by car loan repayment or personal laon against salary acc. (Concessional under salary package at Banks )
+ acquiring cc without needs serve no purpose, esp. If u take Citibank like card, who will debit second year fee and will reverse upon your request.(may be improved now )
+ Be slight trust your salary banker. Some banks give pre approval of Housing loans against your income without any projects shortlisted.
@Sharingan wrote:
@Magus wrote:Yes, this was the main reason I got a credit card too.
@PaytmKaPoojari wrote:
@thrifty_indian wrote:
Same question has been asked previously. Why don’t you search the section?
i have searched almost all the threads available . Heres a screenie of my open tabs
The thing is the thread with most information dates back almost 1 year ago and to add i have gone through all of them before posting it out here . Dint check the Hot deals sections threads that @DealSeeker has mentioned so ill check them out too .
DS
1. Is it required that I get my CIBIL Score cause I have never taken any loan or any means of credit . The only thing i have are savings bank accounts and never have my balance go below the minimum required2. I merely need a card for improving my score . I can have a tons of cards if that helps but I dont have a necessity for it if it doesnt help me. My intention is merely helping me easily secure home loan with a good interest rate.
@Sharingan No
Yes, it makes things a lot easier. A friend of mine has had his loan application rejected from almost all public and private sector banks last month because of no CIBIL score. Even Citi Bank which had his salary account did not approve his request.
Every bank agent suggested the same to him as well. Axis guy said he would try to arrange after two months of opening a savings account with 25K min. balance in their bank. Don’t know how far it is plausible.
@PaytmKaPoojari wrote:If you don’t want to spend any money, you can get your Equifax report for free as well from credit mantri.
@Magus wrote:
@PaytmKaPoojari wrote:
@thrifty_indian wrote:
Same question has been asked previously. Why don’t you search the section?
i have searched almost all the threads available . Heres a screenie of my open tabs
The thing is the thread with most information dates back almost 1 year ago and to add i have gone through all of them before posting it out here . Dint check the Hot deals sections threads that @DealSeeker has mentioned so ill check them out too .
DS
1. Is it required that I get my CIBIL Score cause I have never taken any loan or any means of credit . The only thing i have are savings bank accounts and never have my balance go below the minimum required2. I merely need a card for improving my score . I can have a tons of cards if that helps but I dont have a necessity for it if it doesnt help me. My intention is merely helping me easily secure home loan with a good interest rate.
@Sharingan No
Yes, it makes things a lot easier. A friend of mine had his loan application rejected from almost all public and private sector banks last month because of no CIBIL score. Even Citi Bank which had his salary account did not approve his request.
i felt DS was asking me to get a reort of my current cibil score before applying for a Credit Card so asked him whether it is required to get my Cibil score . Thats the exact reason I want my CIBIL Score for a home loan maybe 3 years down the line
@PaytmKaPoojari wrote:
…DS
1. Is it required that I get my CIBIL Score cause I have never taken any loan or any means of credit . The only thing i have are savings bank accounts and never have my balance go below the minimum required2. I merely need a card for improving my score . I can have a tons of cards if that helps but I dont have a necessity for it if it doesnt help me. My intention is merely helping me easily secure home loan with a good interest rate.
…
1. Yes, you can’t know what has been reported until you take a look at it.
2. I did read and understand your requirement from the first post properly, bro. When it comes to credit scores, variety of credit surely helps the score. Also, having a good number of credit cards from the get-go will increase your “credit age” (read up on Google) and lower your “credit utilization ratio”. Besides, do not expect to be approved for each credit card you apply for, especially when it comes to Amex cards. If you apply for 3-4 cards, maybe you will get approved for only two of them. There are a lot of other factors which went into my recommendation but I don’t want to do a public discourse on credit building. So just trust me. 
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@DealSeeker @BUTTERFLYBOY
@dharmanath481 @cybertechie @Alpha.Barood @Achilles @anthrax.ut @goss8877 @Ashwin @Name @yogeshgemini @viSH @farzimaal @Plato @disclaimer
@Spock @Magus @FeelMyL0Ve @Tejaa @dimepincher @kalwa.sai897520 @sunnie @A2Zdeals @hiteshparmar.007104 @oneidentity @ranjithsai01 @stalwart @hese @srp321 @cody @kanz @panchabhut @ @AngryHulk @thrifty_indian @1cooldesidd @bargainhunter @RichSoul @raghupro @esakki raja @tusharsethi90935 @rajrocks @punitdd @caks2006407 @deallady
@Kill Bill Pandey