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Share your c2c Credit Card Journey

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

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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

Deal Lieutenant Deal Lieutenant
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Salaried Or Student ?

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Deal Cadet Deal Cadet
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@GuruGhantaal, @nikniknik
Except for onecard all c2c using icici amz pay
And I dont have acc in yes bank and indus
Infact now my hdfc has more limit than icici amz

Deal Cadet Deal Cadet
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Yea and forgot to mention Axis Indianoil

Deal Subedar Deal Subedar
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I think we get good limit for c2c if apply for co-branded credit 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 Subedar Deal Subedar
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Aisa koi cards hai nhi jo apke paas na ho wink
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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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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 Cadet Deal Cadet
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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 Subedar Deal Subedar
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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 ?

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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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Answered via DM.

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

Deal Cadet Deal Cadet
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Applied SBI Ola as c2c with SC card.
Smooth process , person came for physical kyc , mailed 2 month CC bill , received ola card with 80% limit of my previous cc.

Deal Cadet Deal Cadet
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Is ola sbi card beneficial
?

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Deal Cadet Deal Cadet
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Noob question:
What is c2c?

Generous Generous
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Noob answer:google

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Generous Generous
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also

rule 1: best card is LTF

rule 2: if a LTF card is offsetting a paid card , then ditch that paid card

Savings Mentor Savings Mentor
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Total n00b here to credit cards. Started my journey in Dec. 2021.

First cc (Dec 2021): SBI SimplyClick (Credit limit: 1,00,000) – pre-approved by SBI, got call from bank (they wanted to shove SimplySave down my throat but I insisted SimplyClick). 😄

Second (Jan 2022): Amazon Pay ICICI (Credit limit: 40,000)

Third: OneCard (South Indian Bank) (April 2022) (Credit Limit: 1,00,000)

Have credit line also – Slice and Uni and BNPL [Amazon Pay Later, Flipkart Pay Later, Freecharge Pay Later, MobiKwik ZIP, LazyPay, Ola Money Postpaid, Paytm Postpaid* (shut down due to Paytm Convenience fee)]. I prefer simple cashback cards rather than the point system for which I’ve no time to keep track of points and convert to cashback.

Also, SBI’s debit card also gives reward points & of course the awesome RuPay Platinum DCs (of which I own many - SBI, IOB, NSDL, BOB, Union, AU, Canara, UCOBOI, Indian Bank etc don’t ask how many lol) so for now, I have slowed down my cc journey until my credit score reaches highest. Got calls about IndusInd Aura, HDFC Millennia, Yes Prosperity Plus about LTF offers but I don’t want too many at once – I want to go slow and steady. (Have Millennia DC free with HDFC Classic Banking so CC is not priority).

Credit score is: 760+ and going up 😊

Hotshot Hotshot
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flushed flushed noob ?
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Deal Subedar Deal Subedar
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Never applied any cards via C2C

All my cards were pre approved apart from my first card which was FD based 

Deal Cadet Deal Cadet
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how to get Bob card with life time free without income proof 

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