Credit card for first time

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Deal Cadet
RuDhRaH
Thank you for your time in opening the post

Namaskar,

I don't have complete knowledge on credit cards. I have to get one which I wanted to use mostly for cashbacks for online purchases.

I don't have Amazon icici or even fk axis card as of now , i don't own a credit card till date.

Can you please suggest some of the credit cards to apply for with good benefits like LTF and any welcome benefits.

                             AND

It's really appreciated if you can share a link to knowledgeable thread/any resource where we dimers have discussed about credit cards .


Have a great time , thanks for every comment down here in this post
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Top Comments
Generous Generous
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1.Apply all ltf

2. Not all You apply You will get approved

3. The ones You get will be free and ltf and then use it

4. Among paid get the ones fyf liek sbi cashback


Generous Generous
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If you don't have a loan or credit line, don't apply Amazon ICICI or Fk axis it will be rejected.

Better to start with secured card with current savings bank or Onecard,or try for pre approved offer if available with current bank account.

Deal Cadet Deal Cadet
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Apply for HSBC, AU, Standard chartered first..as they are strict when you have multiple cards already..

Generous Generous
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Now some trick of the trade:-


1. yes apply for Standerd charter LTF first as they want no history of query for 6 month ;may count IDFC too in that league


2.apply for au free saving a/c first before applying for credit card as they too are weird and wont give u saving a/c if u have au credit card


3.ICICI wont give u platinum if u get amazon pay and block all icici bank offer for amazon pay card holder (though the same is now possible due to now popular expression trick but like all trick that too be closed ), never take icici-MMT as in near future the seclusion of amazon card from ICICI offer may extend to all cobranded card


4.SBI cashback is the best online card and only card worth having SBI , they dont have any LTF but FYF cashback card


5.from indusind take easydiner LTF over league LTF , there is seperate thread on it 


6.take useless bank card kotak/yes/rbl/onecard later


7. among PSU bank BOB lead with benefit , also PNB have random swiggy offer


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Helpful Helpful
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Amazon ICICI, Flipkart Axis, Hdfc Millenia.

I will suggest applying for only ltf cards

Deal Cadet Deal Cadet
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Fk axis was like coming soon in fk app, kg+
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Generous Generous
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1.Apply all ltf

2. Not all You apply You will get approved

3. The ones You get will be free and ltf and then use it

4. Among paid get the ones fyf liek sbi cashback


Generous Generous
Link Copied

If you don't have a loan or credit line, don't apply Amazon ICICI or Fk axis it will be rejected.

Better to start with secured card with current savings bank or Onecard,or try for pre approved offer if available with current bank account.

Generous Generous
Admin
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Also you can apply idfc for LTF
Deal Cadet Deal Cadet
Link Copied

Apply for HSBC, AU, Standard chartered first..as they are strict when you have multiple cards already..

Generous Generous
Link Copied

Now some trick of the trade:-


1. yes apply for Standerd charter LTF first as they want no history of query for 6 month ;may count IDFC too in that league


2.apply for au free saving a/c first before applying for credit card as they too are weird and wont give u saving a/c if u have au credit card


3.ICICI wont give u platinum if u get amazon pay and block all icici bank offer for amazon pay card holder (though the same is now possible due to now popular expression trick but like all trick that too be closed ), never take icici-MMT as in near future the seclusion of amazon card from ICICI offer may extend to all cobranded card


4.SBI cashback is the best online card and only card worth having SBI , they dont have any LTF but FYF cashback card


5.from indusind take easydiner LTF over league LTF , there is seperate thread on it 


6.take useless bank card kotak/yes/rbl/onecard later


7. among PSU bank BOB lead with benefit , also PNB have random swiggy offer


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Deal Lieutenant Deal Lieutenant
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Which bank you have your account?

Deal Cadet Deal Cadet
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Hdfc salaried
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