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Share your c2c Credit Card Journey

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Deal Cadet
Sushil_patwari

Hello
please share your c2c Credit card journey and also mention if you get c2c against Secured Credit card (FD backed).

I request you to share this info as it is very useful for many dimers.

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Punjab Kings Punjab Kings
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Received HDFC Regalia as pre-approved card and LTF, applied for FK, SBI Simplyclick on c2c. Also, applied for BOB cc but application is under review for 10 days

Deal Cadet Deal Cadet
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nikniknik wrote:

Received HDFC Regalia as pre-approved card and LTF, applied for FK, SBI Simplyclick on c2c. Also, applied for BOB cc but application is under review for 10 days

How much limit required on existing card for sbi and bob for c2c?

Deal Cadet Deal Cadet
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Started with icici amz pay in 2019 ( unsecured, my first ever cc )
Now I hold
Icici amz pay
Icici platinum
Sbi simplyclick
Hdfc millennia
Sc digismart
Indus platinum
Yes rewards+
Bob easy
Idfc onecard

Chennai Super Kings Chennai Super Kings
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coolboyzhavingfun780 wrote:

Started with icici amz pay in 2019 ( unsecured, my first ever cc )
Now I hold
Icici amz pay
Icici platinum
Sbi simplyclick
Hdfc millennia
Sc digismart
Indus platinum
Yes rewards+
Bob easy
Idfc onecard

Salaried Or Student ?

Punjab Kings Punjab Kings
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GuruGhantaal wrote:

How much limit required on existing card for sbi and bob for c2c?

I had 2L limit on my hdfc when I applied for sbi, received 1.4l limit, now I have 3l and applied for bob.

Punjab Kings Punjab Kings
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coolboyzhavingfun780 wrote:

Started with icici amz pay in 2019 ( unsecured, my first ever cc )
Now I hold
Icici amz pay
Icici platinum
Sbi simplyclick
Hdfc millennia
Sc digismart
Indus platinum
Yes rewards+
Bob easy
Idfc onecard

All free cards? Do you have an account in Indus, Yes bank?

Deal Cadet Deal Cadet
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PowerStar wrote:

Salaried Or Student ?

All c2c? And just curious if you’re comfortable do share what’s the max limit and which bank

Deal Cadet Deal Cadet
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I think we get good limit for c2c if apply for co-branded credit cards.

Deal Lieutenant Deal Lieutenant
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coolboyzhavingfun780 wrote:

Started with icici amz pay in 2019 ( unsecured, my first ever cc )
Now I hold
Icici amz pay
Icici platinum
Sbi simplyclick
Hdfc millennia
Sc digismart
Indus platinum
Yes rewards+
Bob easy
Idfc onecard

How you got ICICI Platinum?

Deal Lieutenant Deal Lieutenant
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raman12 wrote:

is it better than coral?

No, but LTF. Better when you hold multiple cards.

Deal Cadet Deal Cadet
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Okay. Lets begin… Hold your breath

2015-2016:
HDFC All Miles LTF
→ IndusInd Voyage LTF
→ * HSBC VISA Platinum LTF
→ * ICICI VISA Platinum LTF

2016-2017:
→ * AXIS NEO MC LTF
→ Standard Chartered Supervalue Titanium (Paid)
HDFC Regalia First LTF
→ * AMEX MRCC (Paid): but never had to pay a renewal fee ever

2017-2018:
CITI Rewards (Paid)
→ * Amazon Pay ICICI LTF
→ * SBI SimplyCLICK (Paid)
→ Flipkart AXIS MC (Paid)
→ Kotak Urbane Gold (Paid)

2018-2019:
HDFC All Miles upgraded to HDFC MoneyBack LTF
→ SC Landmark Rewards (Paid)
→ * Yes Prosperity EDGE LTF

2019-2020:
→ * HDFC Regalia First upgraded to 6e XL-IndiGo LTF
→ * HDFC MoneyBack upgraded to Millenia LTF
→ * Kotak Urbane Gold upgraded to Kotak League (Only joining fee, no annual fees)
→ * SC Landmark upgraded to DigiSmart LTF
→ # Closed SC Supervalue Titanium (Paid)
→ * IndusInd Voyage upgraded to InterMiles LTF
→ * AXIS ACE (Paid)

2020-2021:
→ * RBL Platinum Delight LTF
→ * BOB Eterna LTF
→ * CITI Rewards (Paid) upgraded to CITI IndianOil LTF
→ # Closed AXIS FLIPKART MC (Paid)
→ * IDFC FIRST Select LTF
→ * CITI PayTM First VISA (Paid)
AXIS FLIPKART VISA LTF

Plan ahead:
→ Close AXIS ACE
→ Negotiate with AMEX for MRCC LTF or close it, although I hardly ever paid them any renewal fees.
→ Revert HDFC 6e XL-IndiGo to DinersClub/ Infinia/ Regalia LTF

Glossary:
Current subscriptions : Marked in asterisk (*) : Mostly LTF cards (most providers buckled to some degree of negotiations to go LTF), I have trimmed down to only 4 cards with some sort of annual fees (mostly exempted by spending limit, if used according to plan)
Closed subscriptions : Marked in hash (#) : Mostly paid/unnecessary subscriptions

Am I still missing something?? Feel free to suggest me if I should try anything more. I hate the so-called “ultrapremium” cards. They have tons of fees against no real-world benefits. I tend to stay away from those “status-symbol” cards.

In my opinion, stick to mostly basic cards with LTF subscription for festive/promotional offers, with a few premium cards whom you should be able to extract more than you have to pay for maintaining them.

Deal Lieutenant Deal Lieutenant
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Noob question.
Got my HSBC addon card delivered.
How to activate it/use it ?
Means will have to create new user id/pass or it will be shown in my primary account as new card ?
Not able to see as additional card in my account.
So any help plz

Deal Cadet Deal Cadet
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Topsey wrote:

Noob question.
Got my HSBC addon card delivered.
How to activate it/use it ?
Means will have to create new user id/pass or it will be shown in my primary account as new card ?
Not able to see as additional card in my account.
So any help plz

Now a days, all cards are basically pre-activated. Specially, for addon cards I never required any separate activation process. Your addon card is already tied to a mobile number for OTP delivery.

You can straightaway transact online using OTP.

Deal Newbie Deal Newbie
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SBI simply click – 2019
BOB Easy – 2019
Citi Paytm – 2019
Upgraded to BOB Select from Easy – 2021
Axis Ace – 2021
Planning to close Citi Paytm and BOB select as BOB has devalued the rewards.
Looking for a card that gives maximum points on wallet loads.

Deal Cadet Deal Cadet
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nihaln wrote:

SBI simply click – 2019
BOB Easy – 2019
Citi Paytm – 2019
Upgraded to BOB Select from Easy – 2021
Axis Ace – 2021
Planning to close Citi Paytm and BOB select as BOB has devalued the rewards.
Looking for a card that gives maximum points on wallet loads.

Your first card is sbi simply click ? All other cards you get c2c ? If yes what is limit of sbi simply click for c2c card apply ?

Deal Cadet Deal Cadet
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coolboyzhavingfun780 wrote:

Started with icici amz pay in 2019 ( unsecured, my first ever cc )
Now I hold
Icici amz pay
Icici platinum
Sbi simplyclick
Hdfc millennia
Sc digismart
Indus platinum
Yes rewards+
Bob easy
Idfc onecard

how did u apply for SC digismart?? does standard chartered offer C2C offline?? @coolboyzhavingfun780

Deal Cadet Deal Cadet
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coolboyzhavingfun780 wrote:

Started with icici amz pay in 2019 ( unsecured, my first ever cc )
Now I hold
Icici amz pay
Icici platinum
Sbi simplyclick
Hdfc millennia
Sc digismart
Indus platinum
Yes rewards+
Bob easy
Idfc onecard

I how many time gap did you apply for another card? Please also share have you got rejections by banks for any credit cards?

Deal Cadet Deal Cadet
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HiDEaL wrote:

Okay. Lets begin… Hold your breath

2015-2016:
HDFC All Miles LTF
→ IndusInd Voyage LTF
→ * HSBC VISA Platinum LTF
→ * ICICI VISA Platinum LTF

2016-2017:
→ * AXIS NEO MC LTF
→ Standard Chartered Supervalue Titanium (Paid)
HDFC Regalia First LTF
→ * AMEX MRCC (Paid): but never had to pay a renewal fee ever

2017-2018:
CITI Rewards (Paid)
→ * Amazon Pay ICICI LTF
→ * SBI SimplyCLICK (Paid)
→ Flipkart AXIS MC (Paid)
→ Kotak Urbane Gold (Paid)

2018-2019:
HDFC All Miles upgraded to HDFC MoneyBack LTF
→ SC Landmark Rewards (Paid)
→ * Yes Prosperity EDGE LTF

2019-2020:
→ * HDFC Regalia First upgraded to 6e XL-IndiGo LTF
→ * HDFC MoneyBack upgraded to Millenia LTF
→ * Kotak Urbane Gold upgraded to Kotak League (Only joining fee, no annual fees)
→ * SC Landmark upgraded to DigiSmart LTF
→ # Closed SC Supervalue Titanium (Paid)
→ * IndusInd Voyage upgraded to InterMiles LTF
→ * AXIS ACE (Paid)

2020-2021:
→ * RBL Platinum Delight LTF
→ * BOB Eterna LTF
→ * CITI Rewards (Paid) upgraded to CITI IndianOil LTF
→ # Closed AXIS FLIPKART MC (Paid)
→ * IDFC FIRST Select LTF
→ * CITI PayTM First VISA (Paid)
AXIS FLIPKART VISA LTF

Plan ahead:
→ Close AXIS ACE
→ Negotiate with AMEX for MRCC LTF or close it, although I hardly ever paid them any renewal fees.
→ Revert HDFC 6e XL-IndiGo to DinersClub/ Infinia/ Regalia LTF

Glossary:
Current subscriptions : Marked in asterisk (*) : Mostly LTF cards (most providers buckled to some degree of negotiations to go LTF), I have trimmed down to only 4 cards with some sort of annual fees (mostly exempted by spending limit, if used according to plan)
Closed subscriptions : Marked in hash (#) : Mostly paid/unnecessary subscriptions

Am I still missing something?? Feel free to suggest me if I should try anything more. I hate the so-called “ultrapremium” cards. They have tons of fees against no real-world benefits. I tend to stay away from those “status-symbol” cards.

In my opinion, stick to mostly basic cards with LTF subscription for festive/promotional offers, with a few premium cards whom you should be able to extract more than you have to pay for maintaining them.

Aisa koi cards hai nhi jo apke paas na ho wink

Deal Newbie Deal Newbie
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Sushil_patwari wrote:

Your first card is sbi simply click ? All other cards you get c2c ? If yes what is limit of sbi simply click for c2c card apply ?

yes, none came with c2c, had to submit salary slips and had good cibil as I have a home loan running from 2017. simply click starting limit was 25k in 2019, and that was not with c2c.

Deal Cadet Deal Cadet
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@-LEAD-DEAL- how did you manage BoB eterna LTF?

Deal Cadet Deal Cadet
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yz_007 wrote:

@-LEAD-DEAL- how did you manage BoB eterna LTF?

Answered via DM.

Delhi Capitals Delhi Capitals
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HiDEaL wrote:

Okay. Lets begin… Hold your breath

2015-2016:
HDFC All Miles LTF
→ IndusInd Voyage LTF
→ * HSBC VISA Platinum LTF
→ * ICICI VISA Platinum LTF

2016-2017:
→ * AXIS NEO MC LTF
→ Standard Chartered Supervalue Titanium (Paid)
HDFC Regalia First LTF
→ * AMEX MRCC (Paid): but never had to pay a renewal fee ever

2017-2018:
CITI Rewards (Paid)
→ * Amazon Pay ICICI LTF
→ * SBI SimplyCLICK (Paid)
→ Flipkart AXIS MC (Paid)
→ Kotak Urbane Gold (Paid)

2018-2019:
HDFC All Miles upgraded to HDFC MoneyBack LTF
→ SC Landmark Rewards (Paid)
→ * Yes Prosperity EDGE LTF

2019-2020:
→ * HDFC Regalia First upgraded to 6e XL-IndiGo LTF
→ * HDFC MoneyBack upgraded to Millenia LTF
→ * Kotak Urbane Gold upgraded to Kotak League (Only joining fee, no annual fees)
→ * SC Landmark upgraded to DigiSmart LTF
→ # Closed SC Supervalue Titanium (Paid)
→ * IndusInd Voyage upgraded to InterMiles LTF
→ * AXIS ACE (Paid)

2020-2021:
→ * RBL Platinum Delight LTF
→ * BOB Eterna LTF
→ * CITI Rewards (Paid) upgraded to CITI IndianOil LTF
→ # Closed AXIS FLIPKART MC (Paid)
→ * IDFC FIRST Select LTF
→ * CITI PayTM First VISA (Paid)
AXIS FLIPKART VISA LTF

Plan ahead:
→ Close AXIS ACE
→ Negotiate with AMEX for MRCC LTF or close it, although I hardly ever paid them any renewal fees.
→ Revert HDFC 6e XL-IndiGo to DinersClub/ Infinia/ Regalia LTF

Glossary:
Current subscriptions : Marked in asterisk (*) : Mostly LTF cards (most providers buckled to some degree of negotiations to go LTF), I have trimmed down to only 4 cards with some sort of annual fees (mostly exempted by spending limit, if used according to plan)
Closed subscriptions : Marked in hash (#) : Mostly paid/unnecessary subscriptions

Am I still missing something?? Feel free to suggest me if I should try anything more. I hate the so-called “ultrapremium” cards. They have tons of fees against no real-world benefits. I tend to stay away from those “status-symbol” cards.

In my opinion, stick to mostly basic cards with LTF subscription for festive/promotional offers, with a few premium cards whom you should be able to extract more than you have to pay for maintaining them.

Elaborate some of your negotiable skill

Deal Cadet Deal Cadet
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demerius2020 wrote:

Elaborate some of your negotiable skill

Prerequisites: A well settled job with a sound salary/handsome ITR, a healthy credit history, good English speaking skills. Know your weaknesses.



For the purpose of troubleshooting, instead of verbal communications, focus more on properly written emails with good articulation. Your writings define you. Address your communications to appropriate levels.

Deal Cadet Deal Cadet
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Bhaisab kitna achha english bolte hoo aap flushed

Delhi Capitals Delhi Capitals
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HiDEaL wrote:

Prerequisites: A well settled job with a sound salary/handsome ITR, a healthy credit history, good English speaking skills. Know your weaknesses.



For the purpose of troubleshooting, instead of verbal communications, focus more on properly written emails with good articulation. Your writings define you. Address your communications to appropriate levels.

Sir aapne jo mail bheja uska ek format ( deleting personal info) yaha bhi post kar do so that all can benefit from your exp.

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