https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9978080
Help the needy souls searching for CC.
Credit card recommendation for first timers.
A couple of my friends have their own businesses(small shops). They are interested in getting a credit card for the first time.
Not interested in getting a secured card as well.
1. What card would you recommend that is easily approved for business people without documents?
This will be the first credit card, keep in mind.
Thank you.
Not interested in getting a secured card as well.
1. What card would you recommend that is easily approved for business people without documents?
This will be the first credit card, keep in mind.
Thank you.
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We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9978099
What's the cibil and income ?
And any shortlist of cards?
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https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9978175
amazon pay icici was my first card , you can also try for that , it's really good card for beginners.
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9978182
It was my first unsecured card too. Seems like they gave it to everybody and tightened the strings
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9978222
U can go for RBL PAISABAZAR DUET CC (its LTF), second option is HDFC INDIAN OIL CC, another option is PNB platinum cc ( its also LTF)...
All these cc's require only 10-12K per month income, 2 of my cousins have RBL and hdfc credit card based on their salary income...
And kal hi axis bank ka my zone credit card bhi bn gya based on that income and cibil...
U should go for hdfc indian oil , rbl duet and pnb...in me se bn jayega.. Axis ka baad me dekhna...
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9978259
Do they require income proof?
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https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9978292
infinia metal
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9978756
.
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9978779
Does it need FD?
View 4
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https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9979113
I would suggest bank bazar app. Fill in the facts they will surely come up with some ltf cards. Let them start journey with few cards and build up cibil. Or if they have some decent income @kartikxxx can help with some exceptional initial goodies for cc approval thru his ref links.
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9979204
-TAKE ALL LTF CARD
-among paid SBI cashback 5% is the best for online
-for offline current best is paid (amex MRCC 3.8% upto 1.5L/yr(DM me for refer)), TATA neu infinity 1.5%
-for restaurant spend best is BOB primiere LTF 2.5% on all restaurant , indus easydiner 30% on supported restaurant
-for movies best is Indus easydiner LTF 400 off flat
-prefer credit card on Rupay plateform as they will also work on UPI and may offer some reward too , fallowed by VISA signarture plateform as they had good offer in past and will be usefull for international airport lounges where rupay wont work, MASTERCARD are useless dont take them till mastercard india awakens
-if no bank give u CC as u r new then approach the bank where u hold saving a/c
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9979225
RuPay MSME Card are available for Business.
Indusind also launched 'eSvarna', Corporate Credit Card on RuPay network.
BOB also launched Corporate Credit Card on RuPay network.
Here RuPay MSME Cards for Businesses -
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9979304
Do you need a current account with these banks?
View 1
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https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9979535
Get HDFC current account, apply for business debit card, pay taxes with it...
And for sometime, apply for a millennia CC, a good all rounder card, never devalued!
These cards have seen the heat, time, but never been devalued...
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9979576
Banksaathi
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9979843
Stay out of CCs bro. Its a trap. 😃
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9979870
Yes for a lot of people. But It's possible to get the benefits if one is disciplined.
View 3
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https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9980321
no recommendation all are devalued
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9980946
Whatever credit card you advise them to apply for make sure you also inform them about the impact on their cibil if they choose to close them in the future. More than often it happens that new customers aren't happy with the cc & choses to close them negatively impacting their cibil score. So, I'd recommend you make them understand that they start with a singular credit card of their choice & not a bunch of them (ltf and all). In the future once they are habituated with using credit card and their business grows they can go for any number of cc. In fact more and more banks will approach them with different card offers.
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9980984
Is there any way to get SBI cashback card for ltf?
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9981092
yep 1000 is very costly
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9981089
all banks ask for document
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9981235
Only fd card is available in this region. It seems.
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9983522
amazon pay icici my first and till day best card 1% cb on all spend no devaluation consistently limit increased and no signs of devaluation in future
go for it
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9985884
APAY ICICI
TATA NEU HDFC(Requires payment.)
FLIPKART(Requires payment.)
Kotak Mahindra(Requires payment.)
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9986127
Easily u'll get idfc or one card credit card..if u r very close to good cibil score
https://www.desidime.com/discussions/credit-card-recommendation-for-first-timers?page=1#post_9986444
Are idfc cards any good?
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amazon pay icici was my first card , you can also try for that , it's really good card for beginners.
-TAKE ALL LTF CARD
-among paid SBI cashback 5% is the best for online
-for offline current best is paid (amex MRCC 3.8% upto 1.5L/yr(DM me for refer)), TATA neu infinity 1.5%
-for restaurant spend best is BOB primiere LTF 2.5% on all restaurant , indus easydiner 30% on supported restaurant
-for movies best is Indus easydiner LTF 400 off flat
-prefer credit card on Rupay plateform as they will also work on UPI and may offer some reward too , fallowed by VISA signarture plateform as they had good offer in past and will be usefull for international airport lounges where rupay wont work, MASTERCARD are useless dont take them till mastercard india awakens
-if no bank give u CC as u r new then approach the bank where u hold saving a/c