multiple Rupay CC applications got rejected over last 3months.

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Deal Newbie
DesiKOPs

I have applied multiple rupay cc (ICICI, HDFC, Axis, BOB & Indusbank. ) and all of them got rejected despite of having good credit score ( verified over paytm app). rejection reason says can be due to low credit score or having existing loan

I too have multiple visa or master credit cards and using them since last 15yrs with no dues.

I need a rupay CC so guys please your opinions in getting approval of rupay CC



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Savings Mentor Savings Mentor
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That's unfortunate. I got almost all my RuPay CCs without any cibil enquiry:

HDFC Neu Infinity LTF: Applied
ICICI RuPay Coral: Pre-approved
BOB Easy virtual: Pre-approved
PNB: Applied with ITR
Yes Bank Virtual FinBooster: Pre-approved
Kotak UPI: Pre-approved
Kotak League Platinum: Applied
Axis Kiwi/Kwik: Pre-approved
IndusInd RuPay: Pre-approved
IDFC First virtual: Pre-approved
Saraswat: Applied

Just do regular transactions with your Visa/MC ones and bank may give you RuPay one pre-approved

SBI has not offered my yet sad

19 Comments  |  
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Vanguard Vanguard
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HDFC tata neu plus? If you haven't tried for it..then try from tata neu app

Deal Newbie Deal Newbie
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Applied and it got rejected.
KYC verification call was smooth still no idea why it got rejected
Benevolent Benevolent
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Get blessings of @abhishek012
Deal Subedar Deal Subedar
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I don't know, have you considered too many applications in a short period could be the reason for the rejection?

Also if you have multiple cards, call customer care of one of the banks and call if they could issue a rupay card for you.

Or ask them to change your card network. Worth the try. Stop applying for new cards, too many entries will dissuade any card company.

Deal Newbie Deal Newbie
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sure will consider. thank you for responding to my query.
The PostMighty The PostMighty
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If you have an existing CC from with SBI, ICICI, HDFC, Kotak or IDFC, each of them offers a pre-approved RuPay CC that will share the limit with your existing CC. That way you can escape a CIBIL inquiry and avoid whatever is causing your applications to fail.

Deal Newbie Deal Newbie
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true.
today evening I got a message from IDFC offering rupay CC on my existing card.
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Deal Cadet Deal Cadet
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If you have a SB account with HDFC, a virtual RuPay card can be created at Rs.99 per year (+GST) in no time. Check it out at...


https://www.hdfcbank.com/personal/pay/cards/cre...

IDFC First Bank also issues a virtual RuPay CC for Rs.199 per year (+GST) if you hold any IDFC CC, even Wow card that is issued against FD as low as 5k.

https://www.idfcfirstbank.com/credit-card/rupay...

Deal Newbie Deal Newbie
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sure. will check as per your suggest.
Finance Mentor Finance Mentor
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@baludesi Someday you'd want others to take yours ?

Benevolent Benevolent
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😄 Nope. Never.

Savings Mentor Savings Mentor
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That's unfortunate. I got almost all my RuPay CCs without any cibil enquiry:

HDFC Neu Infinity LTF: Applied
ICICI RuPay Coral: Pre-approved
BOB Easy virtual: Pre-approved
PNB: Applied with ITR
Yes Bank Virtual FinBooster: Pre-approved
Kotak UPI: Pre-approved
Kotak League Platinum: Applied
Axis Kiwi/Kwik: Pre-approved
IndusInd RuPay: Pre-approved
IDFC First virtual: Pre-approved
Saraswat: Applied

Just do regular transactions with your Visa/MC ones and bank may give you RuPay one pre-approved

SBI has not offered my yet sad

Deal Newbie Deal Newbie
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HDFC, ICICI, Axis, indusland & IDFC are applied no luck
BOB is charging 500 joining fee, and 500 annual fee ( can be waved off if 50k per annul transaction is done )


below having joining fee ?


PNB:
Yes Bank Virtual
Saraswat
Kotak UPI






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Deal Newbie Deal Newbie
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HDFC, ICICI, Axis, indusland & IDFC are applied no luck 
BOB is charging 500 joining fee, and 500 annual fee ( can be waved off if 50k per annul transaction is done )

below having joining fee ?

PNB:
Yes Bank Virtual
Saraswat
Kotak UPI

Deal Cadet Deal Cadet
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Is idfc first select best credit card from idfc? But it's Visa card.. Looking for rupay one

Helpful Helpful
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I didn't understand this too...

I have an idfc power rupay card,

But i keep on getting messages to start using my IDFC Select On UPI for ₹199.

I don't know, How is the visa card used for UPI

Deal Newbie Deal Newbie
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Finally I managed to get Kotak & IndusInd Rupay creditcards.
am using them successfully
Thank you all for sharing your thoughts in this thread

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