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Credit card recommendation for first timers.

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Deal Subedar
Demon_slayer
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.
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Deal Subedar Deal Subedar
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amazon pay icici was my first card , you can also try for that , it's really good card for beginners.

Generous Generous
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-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 


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Deal Lieutenant Deal Lieutenant
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@kartikxxx

Help the needy souls searching for CC.

Pro DealBaba Pro DealBaba
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What's the cibil and income ?
And any shortlist of cards?

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Deal Subedar Deal Subedar
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amazon pay icici was my first card , you can also try for that , it's really good card for beginners.

Deal Subedar Deal Subedar
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It was my first unsecured card too. Seems like they gave it to everybody and tightened the strings
Spearhead Spearhead
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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... 


Deal Subedar Deal Subedar
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Do they require income proof?

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Deal Cadet Deal Cadet
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infinia metal

Critic Critic
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.

Deal Cadet Deal Cadet
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Does it need FD?

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Blaze Blaze
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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.

Generous Generous
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-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 


Deal Newbie Deal Newbie
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What's the 400 off on movie offer, couldn't find it in features

Finance Ninja Finance Ninja
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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 -

9979225card_design__2__MSME_Final_CTC-Final-1_page-0001-removebg-preview

9979225Final_Card_Design_page-0001-removebg-preview

9979225MSME-Canara

9979225MSME-Canara-select

9979225UCO

9979225simplySAVE-merchant-Credit-Card

Deal Subedar Deal Subedar
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Do you need a current account with these banks?
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Finance Mentor Finance Mentor
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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...

Generous Generous
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Banksaathi

Deal Cadet Deal Cadet
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Stay out of CCs bro. Its a trap. 😃

Deal Subedar Deal Subedar
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Yes for a lot of people. But It's possible to get the benefits if one is disciplined.

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Deal Cadet Deal Cadet
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no recommendation all are devalued

Deal Cadet Deal Cadet
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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.


Deal Newbie Deal Newbie
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Is there any way to get SBI cashback card for ltf?

Deal Cadet Deal Cadet
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yep 1000 is very costly 
Deal Cadet Deal Cadet
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all banks ask for document

Generous Generous
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Onecard for easy approval.

Got mine without providing any Incomedetails.

Ping me if u need referral.

Deal Subedar Deal Subedar
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Only fd card is available in this region. It seems.
Deal Cadet Deal Cadet
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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
Firestorm Firestorm
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APAY ICICI
TATA NEU HDFC(Requires payment.)
FLIPKART(Requires payment.)

Kotak Mahindra(Requires payment.)

Deal Newbie Deal Newbie
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Easily u'll get idfc or one card credit card..if u r very close to good cibil score

Deal Subedar Deal Subedar
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Are idfc cards any good?

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