Credit card - Student

You can secured credit card

open bank a/c. do txns using dc. you will get pre approved offer within 1 yr

for example hdfc

I_AM_5RAV5 wrote:

open bank a/c. you will get pre approved offer within 1 yr

for example hdfc

HDFC bank Montly average balance is huge i think so.🥲

chipi wrote:

You can secured credit card

some preapproved CC from paisabazaar is showing in my account (RBL DUET CARD).

anyprior experiences with this?

Lootster wrote:

HDFC bank Montly average balance is huge i think so.🥲

10k 

Apply for IDFC first bank WOW credit card.

Lootster wrote:


some preapproved CC from paisabazaar is showing in my account (RBL DUET CARD).

anyprior experiences with this?

It's good card, no condition ltf, unlimited cashback of 1% on transactions and u get one bogo movies on bookmyshow for weekend

student ho , padh lo card ward ke chkkr me mt pdo
wrna karje me doob jaoge 

You are student ? How you file itr ?i am also a student i also want to file itr suggest me how to file which form is best ? 

hackerboys wrote:
student ho , padh lo card ward ke chkkr me mt pdo
wrna karje me doob jaoge 

Managing finances should come from this age. 

As i mentioned in post, i just need 10k limit. Just to keep my credit score intact and meet my online purchase requirements.

1. Apply for FD Based Credit Card

2. Apply for a Credit Card from Mother/Father's PAN and use Add on Card

3. Maintain a Good Balance on Savings Account and get a Pre-Approved Offer for Credit Card Eg- HDFC is very Generous about that (Use their Debit Card Physically, NEFT Transfer etc)

Earn Income First and then apply otherwise you will fall into a debt trap.

1. Apply for FD Based Credit Card

2. Apply for a Credit Card from Mother/Father's PAN and use Add on Card

3. Maintain a Good Balance on Savings Account and get a Pre-Approved Offer for Credit Card Eg- HDFC is very Generous about that (Use their Debit Card Physically, NEFT Transfer etc)

Earn Income First and then apply otherwise you will fall into a debt trap.

https://www.desidime.com/discussions/how-to-get...

First of all, what generated your 800+ score? Did you have other loan/pay later account?

Agnivo007 wrote:

First of all, what generated your 800+ score? Did you have other loan/pay later account?

Flipkart paylater, Amazon paylater, Paytm postpaid (now closed it)

I suggest you get a FD based secured card and based on your income/profile, do not go for higher MAB bank a/c like IDFC, AXIS etc. Open a SBI general savings account and when done, ask them for a FD based card (you said even 10k is fine now, but try to make best amount FD, ask for help from parents, target 40k). This will give you a start for now... you may get unsecured card offer for additional CC from SBI later, then close FD based one.

When you get card, start to close your BNPL accounts one by one FK,AZ paylater etc... all these will be reflected in CIBIL within 3 months of doing so.

I think your spends on CC would be mostly online, right? Inquire at branch about what secured cards they currently offer and yearly fees...   @Lootster

* Do whatever, but not 10k limit, as due to such small limit, credit utilization would be high and cibil score will be drawn down, So target 40k, but 25-30k may also do... *

BTW, you said "filing ITR for 3yrs - business income"... how much annual income shown in last one? You may get unsecured card if that is high... @Lootster

Agnivo007 wrote:

BTW, you said "filing ITR for 3yrs - business income"... how much annual income shown in last one? You may get unsecured card if that is high... @Lootster

NTI of 3.5 lakh (around)

Lootster wrote:

NTI of 3.5 lakh (around)

Go for SBI FD card route, inquire at the bank for available variants of secured card and report us... @Lootster

I think they also offer Unnati CC : 25K minimumm, no yearly fees for 4 yrs for secured card but rewards are very low... READ MORE

Agnivo007 wrote:

Go for SBI FD card route, inquire at the bank for available variants of secured card and report us... @Lootster

I think they also offer Unnati CC : 25K minimumm, no yearly fees for 4 yrs for secured card but rewards are very low... READ MORE

Sure will try sbi

You can also take a look at Paisabazar step up card but you'd be bombarded with spam calls and emails if you signup with them (looks like you already have account). Also comes with top-up facility to pump up credit limit when you have more funds... @Lootster

If you spend 50k in a year on unnati, you get 500 cashback... (extra benefit)

Some working Ways :-

(1) Open a Digi Youth Account in Hdfc Bank. (5k Minimum Balance) After 3 Months you would see LTF Pre-approved Offer.

(2) Open Regular Indusind Bank (Zero MAB Need Some Initial Funding) Create FD About 55k in IndusInd Bank. You'll get a secured LTF Legend CC with 50k Limit. Indusind Reports Secured Card in Cibil. After 3 Months Check You Cibil Score on OneScore, You Would see a Pre-approved One Card just after Checking your Cibil. After Getting Onecard Close Your FD in IndusInd If You Want. You can even apply IDFC And AU Cards on the Basis of Legend Card and both of them would get approved easily.

Lootster wrote:

Sure will try sbi

Few year back Onecard credit card also issuing for 2000rs/10000 FD


Now not sure about this


In case you need ref link I can provide you

Lootster wrote:


some preapproved CC from paisabazaar is showing in my account (RBL DUET CARD).

anyprior experiences with this?

You won't get unsecured CC so easily for being a student, even if you have the 3.5L ITR...

dlhntr wrote:
Few year back Onecard credit card also issuing for 2000rs/10000 FD


Now not sure about this


In case you need ref link I can provide you

You won't get OneCard metal in life if you take FD based one. I can offer referral code too if required.

Agnivo007 wrote:
You won't get OneCard metal in life if you take FD based one. I can offer referral code too if required.

For a minimum FD of 50 k anyone can have a Metel Onecard

Vaastav wrote:
Some working Ways :-

(1) Open a Digi Youth Account in Hdfc Bank. (5k Minimum Balance) After 3 Months you would see LTF Pre-approved Offer.

(2) Open Regular Indusind Bank (Zero MAB Need Some Initial Funding) Create FD About 55k in IndusInd Bank. You'll get a secured LTF Legend CC with 50k Limit. Indusind Reports Secured Card in Cibil. After 3 Months Check You Cibil Score on OneScore, You Would see a Pre-approved One Card just after Checking your Cibil. After Getting Onecard Close Your FD in IndusInd If You Want. You can even apply IDFC And AU Cards on the Basis of Legend Card and both of them would get approved easily.

Good suggestions, but 1. HDFC won't report credit limit in cibil... 2. Not a bad idea provided OP has that much funds to spare (as per what he shared).

dlhntr wrote:
Few year back Onecard credit card also issuing for 2000rs/10000 FD


Now not sure about this


In case you need ref link I can provide you

Now the minimum FD amount is 5K ( 100% limit, previously it was 110% ) and 50K FD for metal card

rusty.james wrote:
For a minimum FD of 50 k anyone can have a Metel Onecard

Do you know anyone who did this? Metal is not a FD based card at all...

rusty.james wrote:

Now the minimum FD amount is 5K ( 100% limit, previously it was 110% ) and 50K FD for metal card

Companies changes policy frequently


And devaluation for rewards,Reward Category Exclusion for Transaction aswell very frequently.

Agnivo007 wrote:
Good suggestions, but 1. HDFC won't report credit limit in cibil... 2. Not a bad idea provided OP has that much funds to spare (as per what he shared).

HDFC Cards are somewhat Difficult to get for Self Employed. Best Chance of getting a LTF HDFC Card is through what I told if Your Income is Less