best credit card agast fd

Idfc wow

Yes IDFC First WOW! LTF, 0% forex, 100% of FD limit with limit increase after 1 year, roadside assistance, 20% discount at 1500+ restaurants, some Visa Infinite offers work like this one: https://weliveexp.thriwe.com/w...et

This is what they advertise on their website:

If you want for generating CIBIL any CC of your choice. For offers, Axis or ICICI LTF ones will do.

OneCard Dm me for refer

Any fd card with guaranteed removal of fd lien?

Hdfc infinia

some1anywhere wrote:

Yes IDFC First WOW! LTF, 0% forex, 100% of FD limit with limit increase after 1 year, roadside assistance, 20% discount at 1500+ restaurants, some Visa Infinite offers work like this one: https://weliveexp.thriwe.com/w...et

This is what they advertise on their website:

they have strange fetish that adhar name and pan card name exact match,my father spelling is diffrent so they denied

ketkeesharmaco367 wrote:
they have strange fetish that adhar name and pan card name exact match,my father spelling is diffrent so they denied

Better to get it corrected by updating either Aadhaar or PAN because all organizations cause issues with even 1 letter mismatch. Even US Visa people, passport, banks, credit card issuers.

ketkeesharmaco367 wrote:
they have strange fetish that adhar name and pan card name exact match,my father spelling is diffrent so they denied

True recently faced same problem when i want to change the address for card delivery now applied for name correction in aadhar how much time it wil take any idea

some1anywhere wrote:
Better to get it corrected by updating either Aadhaar or PAN because all organizations cause issues with even 1 letter mismatch. Even US Visa people, passport, banks, credit card issuers.

too much complications

ketkeesharmaco367 wrote:
too much complications

You can update Aadhaar details online to match PAN from the comfort of your home: https://uidai.gov.in/en/my-aadhaar/about-your-a... 

Then just take an appointment to some Aadhaar kendra or bank (in my case I wanted to update my email address, went to HDFC Bank - they show you at which centres appointments can be taken near you as per pin code).

Then just go there on time, pay ₹50 or something, they will do biometric again and take your documents. A new Aadhaar comes by post to your home address with details matching on PAN.

AatmaNirbhar wrote:

Hdfc infinia

This card is becoming useless every day. Only worth if you can spend 10 lacs plus to get fees waiver else not a good deal

some1anywhere wrote:
You can update Aadhaar details online to match PAN from the comfort of your home: https://uidai.gov.in/en/my-aadhaar/about-your-a... 

Then just take an appointment to some Aadhaar kendra or bank (in my case I wanted to update my email address, went to HDFC Bank - they show you at which centres appointments can be taken near you as per pin code).

Then just go there on time, pay ₹50 or something, they will do biometric again and take your documents. A new Aadhaar comes by post to your home address with details matching on PAN.

I am in another state and dont want to chnage state in adhar
sinple

Onecard

some1anywhere wrote:

Yes IDFC First WOW! LTF, 0% forex, 100% of FD limit with limit increase after 1 year, roadside assistance, 20% discount at 1500+ restaurants, some Visa Infinite offers work like this one: https://weliveexp.thriwe.com/w...et

This is what they advertise on their website:

What Is "" Promise A Step-Up Limit In A Year "" ??? Means They Will Ask More Money To Deposit And Get Limit Increase ??

UnderNation wrote:

What Is "" Promise A Step-Up Limit In A Year "" ??? Means They Will Ask More Money To Deposit And Get Limit Increase ??

No I don't think more deposit to get limit increase. They will look if we are a defaulter or on-time payer and may offer a higher limit than the FD. Currently they are showing me a "Enable over-limit facility" toggle but credit limit beyond FD is chargeable. It's only between a couple of months since I took the card. After a year, they could enable over-limit without charges.

Only time will tell as they haven't disclosed further details.

some1anywhere wrote:

No I don't think more deposit to get limit increase. They will look if we are a defaulter or on-time payer and may offer a higher limit than the FD. Currently they are showing me a "Enable over-limit facility" toggle but credit limit beyond FD is chargeable. After a year, they could enable over-limit without charges.

Only time will tell as they haven't disclosed further details.

I Also See Enable Over Limit Option With Charges... In-Case U Get Step-Up Limit, Pls Tag Me... Got This WoW 1 Month Back... I Have To Wait 11 Months To See What Step-Up Limit Is... !!

Onecard vs IDFC FIRST WOW  , isme se best service kiska hai ?

onlineuser7 wrote:

Onecard vs IDFC FIRST WOW  , isme se best service kiska hai ?

Both have similar level of service meaning just avg, only credit card service providing really good support is of Amex in India. SBI Card & Axis card have some of the worst support. OneCard app though is leagues ahead of IDFC app.

ChottaBheem wrote:
Any fd card with guaranteed removal of fd lien?

No, without fd lien there is no difference between fd based cc & regular cc.

ketkeesharmaco367 wrote:
I am in another state and dont want to chnage state in adhar
sinple

To change your Father's name in aadhaar why you need to change state?

guest_999 wrote:
No, without fd lien there is no difference between fd based cc & regular cc.

Have heard one or two banks release lien after some period and also let us keep FD card

onlineuser7 wrote:

Onecard vs IDFC FIRST WOW  , isme se best service kiska hai ?

If you've money to park as FD (2k-10L) for higher interest, then get IDFC WOW as it is LTF.

Also, check out the new OneCard changes.

ChottaBheem wrote:
Have heard one or two banks release lien after some period and also let us keep FD card

Only bank that I've heard is Axis.

DimeDime wrote:

If you've money to park as FD (2k-10L) for higher interest, then get IDFC WOW as it is LTF.

Also, check out the new OneCard changes.

Last 3-5 months se wahi kr hu . Aacha khasa balance maintain kr rkha hai , debit card se monthly  transaction kiya hai , neft transfer kr rha hu fir bhi pre approved offer nahi mil rha ..  ab aur 2 month tak wait krunga nahi aaya offer to dusra bank try krunga .

Ab soch rha hu FD cc hi lena pdega first time ke liye . 20K FD tak onecard  , 20k+ SBI / idfc first bhi available hai ab

onlineuser7 wrote:
Last 3-5 months se wahi kr hu . Aacha khasa balance maintain kr rkha hai , debit card se monthly  transaction kiya hai , neft transfer kr rha hu fir bhi pre approved offer nahi mil rha ..  ab aur 2 month tak wait krunga nahi aaya offer to dusra bank try krunga .

Ab soch rha hu FD cc hi lena pdega first time ke liye . 20K FD tak onecard  , 20k+ SBI / idfc first bhi available hai ab

Bhai, IDFC mein pre-approved offer/CL increase offer bahut rare hain.

OneCard FD mat lo, unsecured OC phir bad me nahi milega.
Go for SBI SC Advantage, ICICI FD-based Plat/Coral/etc or IDFC WOW.

onlineuser7 wrote:
Last 3-5 months se wahi kr hu . Aacha khasa balance maintain kr rkha hai , debit card se monthly  transaction kiya hai , neft transfer kr rha hu fir bhi pre approved offer nahi mil rha ..  ab aur 2 month tak wait krunga nahi aaya offer to dusra bank try krunga .

Ab soch rha hu FD cc hi lena pdega first time ke liye . 20K FD tak onecard  , 20k+ SBI / idfc first bhi available hai ab

Get HDFC savings max bank a/c with

millennia DC, keep 50k-1L, rotate 40k pm using paytm. 4800 as CB - 4400

as interest loss for 1L in a year is the best solution(minimal loss) for getting an unsecured CC.

DimeDime wrote:

Get HDFC savings max bank a/c with

millennia DC, keep 50k-1L, rotate 40k pm using paytm. 4800 as CB - 4400

as interest loss for 1L in a year is the best solution(minimal loss) for getting an unsecured CC.

Ha Bhai yahi plan kra hai . Last 1 hrs se pura dd ke last 6-8months ke topic dekhe .

HDFC Max 25k wala sahi hai . By default visa platinum aayega free me .  1% cb billpay pr .. next week account open krunga ab . galti kr diya phle hi hdfc me account open Krna tha . Mere 2 dosto ko zero balance account+ 500-1000 min balance pr 50K limit wala cc mila LTF

Onecard/ICICI FD cc isliye nahi liya kyoki baad me unsecured chahiye muze LTF .

onlineuser7 wrote:
Ha Bhai yahi plan kra hai . Last 1 hrs se pura dd ke last 6-8months ke topic dekhe .

HDFC Max 25k wala sahi hai . By default visa platinum aayega free me .  1% cb billpay pr .. next week account open krunga ab . galti kr diya phle hi hdfc me account open Krna tha . Mere 2 dosto ko zero balance account+ 500-1000 min balance pr 50K limit wala cc mila LTF

Onecard/ICICI FD cc isliye nahi liya kyoki baad me unsecured chahiye muze LTF .

Getting ICICI FD-based CC is not a terrible idea.