Best credit card for beginner
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I am working since 1 year and have never have taken loans, emis etc,
I want to know which credit card is best for building up cibil score and has offers. My shopping is mostly online + more + dmart.
Please suggest me 🙂
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Oh
I use paytm for bill payments as gpay and phonepe give me reason to worry ie pending
Thank u for suggestion will check both of them
if you shop in more and d mart stores, then apply for grocery and departmental stores cc
standard chartered manhattan credit card 5%
for online shopping, there are so many cc
amazon pay icici 5% for prime members in amazon
axis flipkart 5% for flipkart shopping
sbi cashback card 5% cb for online spends
Hi thank u for grocery suggestion never knew we have that kind of cards
Can u suggest Which is better for online shopping flipkart axis vs sbi cashback?
I heard they devalued the card in one of the discussion here..
If you don't have any CIBIL score then FD backed cards are the only option.
I would suggest IDFC First Bank WOW credit card instead of Onecard bcz IDFC has better reward rate and it starts with as low as 2000Rs (5k for One card).
Also One card you can get only once in lifetime. So in case you want to use that FD amount then you'll have to close the card and then you can't apply for Onecard (whereas in IDFC you can apply).
Also IDFC card given 100% of your FD amount as Credit limit and you can also withdraw that amount from ATM with some charges. So for 10k FD, you get 20k to use on a monthly basis(it's not advisable though. Only in case of emergency you should withdraw from ATM).
I have been building my CIBIL score with IDFC WOW since last 3-4 months. You can dm for any doubts or referral bonus.
OneCard ( FD Based )
apply process is simple , use referral to get some welcome benefits
Min 5000 rs FD to start with and you will get 100% limit
CB redumption process is simple
If you complete 3 categories of txn you will get 5X bonus in top 2 category
1% reward rate maan k chalo
Con: Bill payment via Paytm , Cheq currently not available
If you want this then
IDFC First Bank WOW credit card