Help in Selecting Credit Card - Few Options

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Deal Cadet
mGforCe

Dear Dimers,

I have option to apply for RBL Zomato Edition Classic Card or IDFC First Select/Wealth Card

Since recently got BOB Rupay Premier Card, want to limit additional CIBIL hard enquiry to 1 more. Which one should I get? 

For info, do have cards from nearly every other bank except these 2 banks. I don’t use Zomato at all, use Swiggy, BigBasket, Amazon etc

Zomato invite I got via support otherwise it was not there for me


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Chennai Super Kings Chennai Super Kings
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Get idfc

Chennai Super Kings Chennai Super Kings
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No Comparision at all.

IDFC is the winner among both in all aspects.

Deal Newbie Deal Newbie
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IDFC didn’t do a hard enquiry for me. I had registered my interest on their website and then two weeks later, they sent me an SMS saying they had a CC offer. I don’t know if that’s the norm.

Deal Cadet Deal Cadet
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sharpen wrote:

IDFC didn’t do a hard enquiry for me. I had registered my interest on their website and then two weeks later, they sent me an SMS saying they had a CC offer. I don’t know if that’s the norm.

Hmm, interesting. Do you have the link handy where one can click to show interest?

I have an account with them, am second holder in a joint account. No offer for me sad

Deal Subedar Deal Subedar
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mGforCe wrote:

Hmm, interesting. Do you have the link handy where one can click to show interest?

I have an account with them, am second holder in a joint account. No offer for me sad

Does secondary holder also get offers too? AFAIK Only individual holders and Primary holder of joint account will be provided with pre-approved offers.

Deal Cadet Deal Cadet
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if you are getting wealth then it’s a big YES anyday.

Deal Cadet Deal Cadet
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prem4998 wrote:

Does secondary holder also get offers too? AFAIK Only individual holders and Primary holder of joint account will be provided with pre-approved offers.

Yes

Second holders are treated as second-class citizen 😭 j/k

No offer etc

Deal Cadet Deal Cadet
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I had IDFC issued OneCard which has now transitioned to BOB 

Tried checking, as per thread of Agniputra but no success for me.

Deal Cadet Deal Cadet
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utking wrote:

if you are getting wealth then it’s a big YES anyday.

Dunno – one can see that only after KYC right.


But guess will be eligible for that.


Pro Blogger Pro Blogger
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Apply for Free 3 BOB add-on RuPay premier card, i think card number is different for all Add-on cards.

@prem4998 Add-on card numbers are different, right ?

Deal Subedar Deal Subedar
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abhishek012 wrote:

Apply for Free 3 BOB add-on RuPay premier card, i think card number is different for all Add-on cards.

@prem4998 Add-on card numbers are different, right ?

Yes, absolutely

Deal Cadet Deal Cadet
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abhishek012 wrote:

Apply for Free 3 BOB add-on RuPay premier card, i think card number is different for all Add-on cards.

@prem4998 Add-on card numbers are different, right ?

Abhishek bhai, need help to decide between RBL and IDFC smile

Rupay – got 2 addons already, as part of the application. Third will check later.

Deal Cadet Deal Cadet
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Appreciate comments & voting of fellow dimers… Clear suggestion to opt for IDFC First!

Critic Critic
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Just fyi, IDFC credit cards have a serviceable pincodes list which has nothing to do with your location/idfc bank branch location & card will only be issued if the address proof pincode falls in this serviceable pincodes list.

Deal Captain Deal Captain
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@mgforce Do You mean you contacted Zomato support to send you LTF preapproved offer for Zomato RBL card ?

Deal Cadet Deal Cadet
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beastboy wrote:

You mean you contacted Zomato support to send you LTF preapproved offer for Zomato RBL card ?

No, he meant the Invite to apply. The card approval is yet to be decided by RBL (They are auto-rejecting new applications due to recent surge in applications)

Deal Subedar Deal Subedar
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If you have birthday coming in next 3-6months then get zomato card.

Deal Cadet Deal Cadet
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guest_999 wrote:

Just fyi, IDFC credit cards have a serviceable pincodes list which has nothing to do with your location/idfc bank branch location & card will only be issued if the address proof pincode falls in this serviceable pincodes list.

Thanks. For me, it will not be an issue as I reside in Mumbai 

Deal Cadet Deal Cadet
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beastboy wrote:

@mgforce Do You mean you contacted Zomato support to send you LTF preapproved offer for Zomato RBL card ?

Nope – just got the invite as MrMonkey said






Deal Cadet Deal Cadet
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MrMonkey wrote:

No, he meant the Invite to apply. The card approval is yet to be decided by RBL (They are auto-rejecting new applications due to recent surge in applications)

Ah, is it! One more reason to skip RBL

Deal Cadet Deal Cadet
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jambui wrote:

If you have birthday coming in next 3-6months then get zomato card.

Yes, it is there. But then difficult that I will be able to max out spends
the same day

Critic Critic
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mGforCe wrote:

Thanks. For me, it will not be an issue as I reside in Mumbai 

Like I said, nothing to do with your location. Not all pincodes of Mumbai will be in that list.

Deal Cadet Deal Cadet
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Appreciate feedback and input from fellow dimers. Opted for IDFC Credit Card and was able to get Wealth variant.

Process/Timelines:

I applied online on Friday 8th Apr and did V-KYC the same day. Today on 11th Apr got approval SMS.

After putting my details, including office email ID, existing card details etc, was given two options: Limit of 5 lakhs without any documents, limit of 6 Lakhs with documents. I chose the former.

Worth noting that I do have an existing relationship (am second account holder in joint savings account) but there were no pre-approved credit card offers for me.

Chennai Super Kings Chennai Super Kings
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can someone confirm if the 500 cashback on the first transaction of add-on card is applicable only if add-on is applied within 7 days from the primary card delivery date?

Deal Cadet Deal Cadet
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BBal wrote:

can someone confirm if the 500 cashback on the first transaction of add-on card is applicable only if add-on is applied within 7 days from the primary card delivery date?

No such fine-print mentioned on the leaflet which came with the welcome kit.

Best, you call/email Credit Card Customer Care and check.

Deal Lieutenant Deal Lieutenant
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BBal wrote:

can someone confirm if the 500 cashback on the first transaction of add-on card is applicable only if add-on is applied within 7 days from the primary card delivery date?

Nothing like that
I keep getting sms to apply add on and 500 promo, even after 2 months

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