https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8275146
No, EMI conversion has interest @ 1.33% per month
Go for Slice or UniCard
Query regarding onecard
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I am a student and can only apply for onecard ,as only onecard gives option to apply via FD. Actually I want a card which allows to pay in emi for all txn, just like unipay card , does onecard also allows the same.
Or the best way is to apply for cc via bank agains a FD.
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https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8275481
EMI conversion in a credit card always comes with interest charged as per the interest rate. Only Unipay, Simpl and some other apps give 3 months emi without any extra charge.
https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8275543
MrMonkey wrote:No, EMI conversion has interest @ 1.33% per month
Go for Slice or UniCard
Don’t go for slice or any prepaid card. They will destroy your CIBIL score by multiple opening of enquiry/loan. Go for Kotak or Icici based fd card.
https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8275553
Go for icici fd based card.
https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8275667
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bhopali91355 wrote:Don’t go for slice or any prepaid card. They will destroy your CIBIL score by multiple opening of enquiry/loan. Go for Kotak or Icici based fd card.
Although I’m also against credit line products, OP is asking for a card with EMI conversion and I wasn’t aware of any such card via FD which offers free EMI conversion. But I didn’t hear much negatives about UniCard in terms of consumer loan impact/CIBIL etc
https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8275682
as only onecard gives option to apply via FD
Almost all banks gives cad against FD. search here in DD or google it.
https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8275859
Many banks offer secured credit cards, Simplyclick from SBI, FK Axis from Axis, 811 Dream Different by Kotak, Select from Bank of Baroda, Platinum card from ICICI, StepUp Card by Paisabazaar and SBM.
But none of them, to my knowledge allow you to convert purchases to EMI for free like the Unipay card. Please read the documentation and card MITC before you sign the application, helps you choose wisely.
https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8275873
Check kotak smart emi card
If it helps your purpose
https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8275934
freddyspops wrote:Many banks offer secured credit cards, Simplyclick from SBI, FK Axis from Axis, 811 Dream Different by Kotak, Select from Bank of Baroda, Platinum card from ICICI, StepUp Card by Paisabazaar and SBM.
But none of them, to my knowledge allow you to convert purchases to EMI for free like the Unipay card. Please read the documentation and card MITC before you sign the application, helps you choose wisely.
I have an account with hdfc , will they give any credit card they wish or whether they will ask my preference
https://www.desidime.com/discussions/query-regarding-onecard-5e576484-94f1-487e-9ee0-69ee4d9e7a96?page=1#post_8276117
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5122001766 wrote:I have an account with hdfc , will they give any credit card they wish or whether they will ask my preference
check with your RM if you have any for your account. If you don’t, ask the person you have opened the account with, if they’re willing to look if you’re eligible for a credit card without any FD.
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