Credit card for wife with no prior credit history

I guess she has a bank account in single holder mode? Do regular transactions like deposit and spends via debit card on it. May get preapproved offer for CC. (May take 3 months+ minimum)

Quick way to get started: check if she gets onecard (maybe FD based but will build cibil gradually). Have you checked her cibil yet? Also for secured fd based cards, get a higher amount fd not less than 10k.

Add-on cards affect history of primary holder only.

Agnivo007 wrote:

I guess she has a bank account in single holder mode? Do regular transactions like deposit and spends via debit card on it. May get preapproved offer for CC. (May take 3 months+ minimum)

Quick way to get started: check if she gets onecard (maybe FD based but will build cibil gradually). Have you checked her cibil yet? Also for secured fd based cards, get a higher amount fd not less than 10k.

Add-on cards affect history of primary holder only.

She has accounts in SBI and PNB. She uses not frequently though. 

I can check her cibil but I have doubt as hardly any history as no loans or whatsoever. 

Ok, check cibil first. My earlier post was for opening bank account in HDFC and proceeding further.

Still, try one card way if urgent.

As SBI account exists, if you wish to have SBI card, increase balance deposits and debit card transactions (pos) there for a month. Then apply through branch cards section for SBI simplysave for mainly offline spends or SimplyClick for online. Keeping 50k is recommended as sbi pulls data from account in background for profiling.

I'm not sure if additional priority is given but existing sbi cardholders can refer new applications. https://www.sbicard.com/sbi-card-en/assets/docs...

Avoid PNB.

Include her to your hdfc preferred account through family banking..and try asking for a hdfc cc through rm.. If you have some good relationship with bank..they may approve

sujith8786 wrote:
Include her to your hdfc preferred account through family banking..and try asking for a hdfc cc through rm.. If you have some good relationship with bank..they may approve

Yes, that's a bit of hit or miss deal in short term. I'm not sure from OP's description if she wants to stay with her own accounts and banks hence had suggested many ways.

Quickest way is to get OneCard, keep using it and then apply for all bank stuff as usual.

onecard

Agnivo007 wrote:

Yes, that's a bit of hit or miss deal in short term. I'm not sure if she wants to stay with her own accounts and banks hence had suggested many ways.

Quickest way is to get OneCard, keep using it and then apply for all bank stuff as usual.

True that.. Also parking some fancy amounts for minimum 3 months in the account helps to trigger pre approval offers fastly.. Along With some good transactions mainly through dc as mentioned by you... I myself got an hdfc cc without cibil history after parking 2 lacs for around 3 months..

get onecard with 2k FD. It will help generated the credit score. apply for unsecured after 6 month. dm for onecard referral @notion

noobDealer wrote:

get onecard with 2k FD. It will help generated the credit score. apply for unsecured after 6 month. dm for onecard referral @notion

Never a 2k fd OneCard, that way you're buying a dumb dodo for 2k... Atleast 10k will give some breathing room. @notion If you need refferal code from me, reply here.

sujith8786 wrote:
True that.. Also parking some fancy amounts for minimum 3 months in the account helps to trigger pre approval offers fastly.. Along With some good transactions mainly through dc as mentioned by you... I myself got an hdfc cc without cibil history after parking 2 lacs for around 3 months..

It worked for my mom. exactly same steps

Tjs15 wrote:

It worked for my mom. exactly same steps

That's great..

Well a year ago I applied for Slice Card with her account but it went to hold or not approved. I would like to apply for One card but have doubts because of my earlier experience with Slice.

notion wrote:
Well a year ago I applied for Slice Card with her account but it went to hold or not approved. I would like to apply for One card but have doubts because of my earlier experience with Slice.

OneCard is not credit line or BNPL but likes of slice, unicard, postpe, etc are and people have mass closed many BNPLs of late at DD due to many issues. I'm against any BNPL subscription.

One would definitely get fd based secured card if unsecured is not offered or qualified for.

As suggested, just open a hdfc account for her in your preferred grouping, it will be free. Ask your RM for a credit card for her. Since you are preferred, it will be probably a regalia card for her.

sujith8786 wrote:
True that.. Also parking some fancy amounts for minimum 3 months in the account helps to trigger pre approval offers fastly.. Along With some good transactions mainly through dc as mentioned by you... I myself got an hdfc cc without cibil history after parking 2 lacs for around 3 months..

Crazy... Mine is a 1yr old standard 10k account and I've transferred 2L into that as I was closing other savings accounts. I've got the classic upgrade in 2 weeks.

harshak9045 wrote:
Crazy... Mine is a 1yr old standard 10k account and I've transferred 2L into that as I was closing other savings accounts. I've got the classic upgrade in 2 weeks.

Perks of being a HDFC customer

sujith8786 wrote:
Perks of being a HDFC customer

But even before that out of my eagerness I've asked a RM in HDFC to make it preferred and he did it. What I've observed is maintaining 2x of the required MAB is triggering the system for upgrade invites.

harshak9045 wrote:
But even before that out of my eagerness I've asked a RM in HDFC to make it preferred and he did it. What I've observed is maintaining 2x of the required MAB is triggering the system for upgrade invites.

Yes.. just like..
Paisa feko tamasha dekho 🤣