Need Suggestions For FD Based Credit Card

@Scorpion @getready @xxxyyyzzz @beastboy @Tanmayyy @guest_999

PowerStar wrote:

@Scorpion @getready @xxxyyyzzz @beastboy @Tanmayyy @guest_999

Simplyclick seems to be the best choice if you're considering rewards.

ICICI Platinum card is good (Free), if lucky they get can Apay card based on it.
For SBI, Simply Click advantage CC (but it is paid)

May be its better to maintain balance and get pre-approved LTF instead of FD based cards. Although service/support is poor, banks like kotak are best for first CC (they offer auto LEs every 6 months and even if the initial limit is few thousands it can be lakhs in an year or two) 

getready wrote:
ICICI Platinum card is good (Free), if lucky they get can Apay card based on it.
For SBI, Simply Click advantage CC (but it is paid)

May be its better to maintain balance and get pre-approved LTF instead of FD based cards. Although service/support is poor, banks like kotak are best for first CC (they offer auto LEs every 6 months and even if the initial limit is few thousands it can be lakhs in an year or two) 

How Abt HDFC? 

We Get Millennia DC And Money Back CC 

ICICI Also One Of The Best Option

Tanmayyy wrote:

Simplyclick seems to be the best choice if you’re considering rewards.

Yeah But No Other Benefits Except CT Reward 

HDFC no fd based cc. ICICI platinum fd based cc only good for icici sale offers & more chances of getting amazonpay card in the future without income proof. SBI simplyclick is the most rewarding fd based card especially if you can manage to spend 1 lakh online for which you will get not only annual waived off but will also get Rs.2k cleartrip gv.

guest_999 wrote:

HDFC no fd based cc. ICICI platinum fd based cc only good for icici sale offers & more chances of getting amazonpay card in the future without income proof. SBI simplyclick is the most rewarding fd based card especially if you can manage to spend 1 lakh online for which you will get not only annual waived off but will also get Rs.2k cleartrip gv.

HDFC Offering Me FD Based CC With 80% Limit

Dont go for fd based.. Apply for bob cards ….. Currently ltf offer going.. Believe me everyone will get…. 

IDFC launching its FD Based credit card “WOW” …by the end of this month…

In my opinion it will be the better fd card compared to all the FD credit cards right now..

here is the link

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

PowerStar wrote:

HDFC Offering Me FD Based CC With 80% Limit

First time hearing such a thing, did you hear it from official customer care person or someone in branch wearing an ID card around neck.

getready wrote:

ICICI Platinum card is good (Free), if lucky they get can Apay card based on it.
For SBI, Simply Click advantage CC (but it is paid)

May be its better to maintain balance and get pre-approved LTF instead of FD based cards. Although service/support is poor, banks like kotak are best for first CC (they offer auto LEs every 6 months and even if the initial limit is few thousands it can be lakhs in an year or two) 

I had more than 1 lac balance in Kotak 811 account for 10 months, but they didn’t give me any offer of credit card instead they gave me INSTANT LOAN Offers.

Yesterday, I Shifted that Money to ICICI and am now waiting to get any offer from ICICI Of a Credit Card.

OneCard also is not bad When Referring will have highest earnings(like 1000/2000), at that time you can refer and earn too (Right now only 250/Refer is available)  

shraaj wrote:

I had more than 1 lac balance in Kotak 811 account for 10 months, but they didn’t give me any offer of credit card instead they gave me INSTANT LOAN Offers.

Yesterday, I Shifted that Money to ICICI and am now waiting to get any offer from ICICI Of a Credit Card.

Use the Kotak virtual debit card for online transactions. I had only <500 balance for 4 years and got the pre-approved LTF offer the same month i did 2/3 1.5k worth transactions via VDC on 1MG (Hardly used the debit card until that moment)

satraghav wrote:
OneCard also is not bad When Referring will have highest earnings(like 1000/2000), at that time you can refer and earn too (Right now only 250/Refer is available)  

it is bad
if you look on it as a cc not a referring app.

guest_999 wrote:

First time hearing such a thing, did you hear it from official customer care person or someone in branch wearing an ID card around neck.

Bro Yes They Are Giving Super Premium Cards On FD 

shraaj wrote:

I had more than 1 lac balance in Kotak 811 account for 10 months, but they didn’t give me any offer of credit card instead they gave me INSTANT LOAN Offers.

Yesterday, I Shifted that Money to ICICI and am now waiting to get any offer from ICICI Of a Credit Card.

I Maintained 5-10Rs In Kotak 811 Issued League Platinum LTF CC

satraghav wrote:
OneCard also is not bad When Referring will have highest earnings(like 1000/2000), at that time you can refer and earn too (Right now only 250/Refer is available)  

Looking For ICICI,HDFC,SBI Only

getready wrote:

Use the Kotak virtual debit card for online transactions. I had only <500 balance for 4 years and got the pre-approved LTF offer the same month i did 2/3 1.5k worth transactions via VDC on 1MG (Hardly used the debit card until that moment)

Yes

Can go for Axis FD cards, heard that they remove lien fr cards after a year or so and card BECOMES LTF, no idea if this still works 

beastboy wrote:

Can go for Axis FD cards, heard that they remove lien fr cards after a year or so and card BECOMES LTF, no idea if this still works 

Are U Sure Bro? 

PowerStar wrote:

Are U Sure Bro? 

I knew that axis flipkart card was once issued against FD though many branch ppl were not aware about this. I am not sure if this still works. As for ltf, the typical insta FD card issued by axis didn’t have any fee whatsoever as far as I remember & even if lien on FD was removed after 7-8 months the card still appear as “secured” in cibil report as per comments I had seen here.

PowerStar wrote:

Bro Yes They Are Giving Super Premium Cards On FD 

That is not official & it has been this way for years now. Just search the forum posts 3-4 years old & you will find many mentions of ppl creating 8-9 lakh FD to get diners club black card.

batmanBABA wrote:

Dont go for fd based.. Apply for bob cards ….. Currently ltf offer going.. Believe me everyone will get…. 

How?

guest_999 wrote:

I knew that axis flipkart card was once issued against FD though many branch ppl were not aware about this. I am not sure if this still works. As for ltf, the typical insta FD card issued by axis didn’t have any fee whatsoever as far as I remember & even if lien on FD was removed after 7-8 months the card still appear as “secured” in cibil report as per comments I had seen here.

Icici Insta Platinum Card Also Shown As Secured In CIBIL? 

@getready

guest_999 wrote:

That is not official & it has been this way for years now. Just search the forum posts 3-4 years old & you will find many mentions of ppl creating 8-9 lakh FD to get diners club black card.

Branch Staff Already Informed Me About This

Gaurav_G wrote:

How?

You just apply give whatever you have….. Bank statement, credit card statement…. It will be approved….. They will send mail for itr… In that upload all above… On website… Instead of itr just upload existing cc statement…. I got with one card statement… Which nobody accepts for c2c…. 

Got easy variant… Today in 3 months.. Just on a single email… They upgraded to premier… Their 2nd most premium card… Just below eterna

batmanBABA wrote:

You just apply give whatever you have..... Bank statement, credit card statement.... It will be approved..... They will send mail for itr... In that upload all above... On website... Instead of itr just upload existing cc statement.... I got with one card statement... Which nobody accepts for c2c.... 

Got easy variant... Today in 3 months.. Just on a single email... They upgraded to premier... Their 2nd most premium card... Just below eterna

No physical verification?

Gaurav_G wrote:

No physical verification?

For me.. Nothing happened.. For some people home verification happened… For some office also.. Its quite random… I didn’t received a single call regarding my application… Just was approved… I received rejection mail also… Even after that I was approved… 

Jus apply and wait for card delivery… Is all I can say

batmanBABA wrote:

For me.. Nothing happened.. For some people home verification happened… For some office also.. Its quite random… I didn’t received a single call regarding my application… Just was approved… I received rejection mail also… Even after that I was approved… 

Jus apply and wait for card delivery… Is all I can say

😂😂

A slightly off topic discussion – As discussed with you in the afternoon I went to the ATM to update the same mobile number; the existing mobile number was showing as N/A 😆