Hot Deal Help Regarding New Credit Card Apply

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Hi.
Need help. I want to apply credit card. I am self employed with 2L Itr return.
Please Suggest Card. Mostly use for recharge and bill payment and for online shopping

72 Comments  |  
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Deal Subedar
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Whats your actual monthly income?

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SbiSimply click or icici Amazon pay card

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Deal Lieutenant
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SBI Simply Click – easy to get and works for u
Amazonpay ICICI – can save more on Amazon

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caks2006407 wrote:

SBI Simply Click – easy to get and works for u
Amazonpay ICICI – can save more on Amazon

Does it makes sense to apply for SimplyClick if u have APay ICICI?

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Sins1995 wrote:

Does it makes sense to apply for SimplyClick if u have APay ICICI?

Yes, as Amazon pay card will give 1% for recharge and bill pay and sbi will give 2.5%. Also his main expense is recharge and bill payment

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hiteshu wrote:

Yes, as Amazon pay card will give 1% for recharge and bill pay and sbi will give 2.5%. Also his main expense is recharge and bill payment

We can get 2% using Apay card. AFAIK, it gives 2% for add money/gv purchase.

Btw, i was asking in general.

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Sins1995 wrote:

We can get 2% using Apay card. AFAIK, it gives 2% for add money/gv purchase.

Btw, i was asking in general.

Yes. 2%

https://cdn0.desidime.com/attachments/photos/603681/medium/64738214zbNL9D.png?1580210996

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Sins1995 wrote:

Does it makes sense to apply for SimplyClick if u have APay ICICI?

Yes, SBI gives instant discount offers more often on Amz/FK with max discount
SBI simply Click+ApayICICI+FKAxis combo takes care ~all expenses except entertainment

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Sins1995 wrote:

Does it makes sense to apply for SimplyClick if u have APay ICICI?

Of course.

I already have APay ICICI and HDFC card but I am in process of acquiring SimplyClick because majority of sales these days has bank/card offers from these 3 cards. So it’s beneficial for having a card from each company.

Also, SBI SimplyClick rewards are as good as APay ICICI.

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Sins1995 wrote:

We can get 2% using Apay card. AFAIK, it gives 2% for add money/gv purchase.

Btw, i was asking in general.

Opps my mistake, Amazon pay card giving 2% and SBI giving 2.5%. Amazon pay is ltf so should go for Amazon pay, if approved. Else no other way except SBI.
Also consider Citi bank cashback card or standard chartered card, which gives 5% on recharge and bill pay

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hiteshu wrote:

Opps my mistake, Amazon pay card giving 2% and SBI giving 2.5%. Amazon pay is ltf so should go for Amazon pay, if approved. Else no other way except SBI.
Also consider Citi bank cashback card or standard chartered card, which gives 5% on recharge and bill pay

Which citi bank card & standard chartered bank card gives 5% cashback for recharges/bill payments?

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Roushh wrote:

Of course.

I already have APay ICICI and HDFC card but I am in process of acquiring SimplyClick because majority of sales these days has bank/card offers from these 3 cards. So it’s beneficial for having a card from each company.

Also, SBI SimplyClick rewards are ask good as APay ICICI.

How to get SBI Simply click without IT Return?

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hiteshu wrote:

Opps my mistake, Amazon pay card giving 2% and SBI giving 2.5%. Amazon pay is ltf so should go for Amazon pay, if approved. Else no other way except SBI.
Also consider Citi bank cashback card or standard chartered card, which gives 5% on recharge and bill pay

Yeah.
Was skeptical if I shud go for SimplyClick or not since I already have Apay CC.

Only benefit is, Yono’s 5% when Amazon has SBI card discount.
Otherwise, seems no point to me.

Let me know if any other significant benefit. smile
@Roushh

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Roushh wrote:

Get it against FD.

They give advantage Plus against FD right? Do they give simplyclick against FD of say 30k. I already have an FD in SBI.

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caks2006407 wrote:

Yes, SBI gives instant discount offers more often on Amz/FK with max discount
SBI simply Click+ApayICICI+FKAxis combo takes care ~all expenses except entertainment

Entertainment is covered in Apay CC.
Visit – https://ddime.i...qo

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Roushh wrote:

Get it against FD.

IndusInd not even giving against FD of 1 Lk, will surely close the account and apply in Sbi

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pikkuboss wrote:

They give advantage Plus against FD right? Do they give simplyclick against FD of say 30k. I already have an FD in SBI.

Yes, they offer SimplyClick against FD. My branch staff confirmed it for me but offering 75% of FD amount as credit limit. I thought it was 80% but that it fine.

I haven’t visited the bank again but will do next month.

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Sins1995 wrote:

Yeah.
Was skeptical if I shud go for SimplyClick or not since I already have Apay CC.

Only benefit is, Yono’s 5% when Amazon has SBI card discount.
Otherwise, seems no point to me.

Let me know if any other significant benefit. smile
@Roushh

I think YONO reward is affiliate benefit essentially. You can use cashback sites to get it for any other card or payment method. Although it will not be fixed. % varies from category to category.

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SunnyKh wrote:

IndusInd not even giving against FD of 1 Lk, will surely close the account and apply in Sbi

That’s why there are not one of the largest credit card provider. SBI is good in terms of this. As long as you have good income or collateral, they will offer the card to you. But it also depends on bank staff.

Bank staff in my SBI branch is very helpful.

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Roushh wrote:

I think YONO reward is affiliate benefit essentially. You can use cashback sites to get it for any other card or payment method. Although it will not be fixed. % varies from category to category.

Yes. But we do not get 5% on all categories from CB sites, so specifically mentioned.

Anyways, I think this the only major benefit here.

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Roushh wrote:

Yes, they offer SimplyClick against FD. My branch staff confirmed it for me but offering 75% of FD amount as credit limit. I thought it was 80% but that it fine.

I haven’t visited the bank again but will do next month.

Thanks will do the same. 75% of 30k FD is 22.5k which is good enough for me as I already have an ICICI card.

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Roushh wrote:

That’s why there are not one of the largest credit card provider. SBI is good in terms of this. As long as you have good income or collateral, they will offer the card to you. But it also depends on bank staff.

Bank staff in my SBI branch is very helpful.

They Just say, if you have card of 75k plus limit from other bank, you are eligible for Card.

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pikkuboss wrote:

Thanks will do the same. 75% of 30k FD is 22.5k which is good enough for me as I already have an ICICI card.

I am Also waiting for FD rates to Go up, Can’t make a FD with Such rates.

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SunnyKh wrote:

They Just say, if you have card of 75k plus limit from other bank, you are eligible for Card.

It sucks if you do not have any other card.

You were applying for which credit card from IndusInd? Any good benefit.

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SunnyKh wrote:

I am Also waiting for FD rates to Go up, Can’t make a FD with Such rates.

That will never happen. grin grin grin

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pikkuboss wrote:

That will never happen. grin grin grin

Yep. Banks don’t need more cash on cost of higher rates. They already have plenty. That’s why there was decrease in rates in last few years.

Only corporate FDs are offering good rates because they need the money,

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Roushh wrote:

It sucks if you do not have any other card.

You were applying for which credit card from IndusInd? Any good benefit.

I just needed a card against my name. Wasn’t looking for any such benefits.

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pikkuboss wrote:

They give advantage Plus against FD right? Do they give simplyclick against FD of say 30k. I already have an FD in SBI.

Yes

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